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Would you mind sharing the rough estimates of the costs for both of the plans?

We are going with $25/wallet/year for silver plan which includes just PIN recovery and $100/wallet/year for gold plan which includes estate recovery also.

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Am I correct in assuming that there aren't any inactivity checks for nominee #1?

Yes

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^{- Not sure if I'm just being pessimistic, but I do have mixed feelings about the second nominee option.}

You can choose not to have nominee #2. Its optional.

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Does the executor have a similar set of requirements to the nominees?

Its a little different. Unlike the nominee, the helper won't know upfront that he is a helper. It is again optional.