If you die then your BTC will be secure in your wallet. But if you tell your private keys and password to anyone then he will access you wallet otherwise your BTC will Secured in your wallet for life time.
Sounds pretty basic eh? but the question is on how you would arranged up on things on letting others knows your keys when you are still living? Of course you would really be hesitant on doing so because you dont
like for them to access out your keys while you are still living and majority of us is a little bit secretive even into our loved ones which you wouldnt tend to tell on what you are dealing with.
So this means that you would really be making some will incase you die, but hope that those information wont be leaked our opened out before you die.