Why this doesn't exist a service? I would pay for this. I guess the complexity is giving a third party all the credentials your digital life + sensitive documents, but I would definitely pay for something that allows my family to be notified and handle all my matters in case I'm gone.
It seems like it should be possible to allow a second password for something like an email account. The first password works always, but the second one only works if last login was more than n days ago. So you could give the second password to your partner or family and know they can't use it unless you're incapacitated.