If I die (let's be honest, that will probably happen), would my wife or family get my coins? What if they don't know my passwords/private key?
If you have not told them your private keys to your spouse or kids, and if you die, then those coins will be lost forever and no one will be able to use them. If you want that your wife and kids benefit from your saving, you need to trust them and share with them the private keys. You may keep them private in a locked safe and tell your spouse to open them if only once you are no longer alive.
I understand that you mean well here but this is a death sentence. Read my post above which I explain how that could be in a long msg, but please do not do this especially if you own a lot of bitcoins.
Some people may feel touchy that I said telling secrets to your "kids & wife" as a death sentence because they love them a lot and they feel that their wife&kids love them too a lot! Believe me, I understand this, but human beings are complicated.