Interestingly enough Hive has a potential solution for end of life transfers as well.
Given a certain trigger an automatic powerdown could be started and the vesting route changed to the beneficiaries.

The trigger could be something as simple as:

If this account hasn't transacted in 12 months powerdown to XYZ accounts.

Hive really is ahead of the curve in a lot of these regards.
Something like this also stops a user from accidentally losing their keys and all their money along with it.