If you die with your secret key stored in privacy where no one can get them then in your wallet is where they will remain, no one touches them ever, they literally die with you, however, your cryptos can be passed down to your kids i you so wish, Open a safety deposit box and write a will that it be opened only when you are dead, in it write down the details and instructions to whom you want the coins to go to, this way your coins are passed on to someone