How do you make sure your wife/kids can get access to your crypto if something suddenly happens to you ?

Some of my crypto is on an exchange with triple factor authentication which in itself will confuse my wife.

Some are on a wallet but if I share with her the pass phrase she will just put it on a piece of paper…

Is the notary a good solution to keep the pass phrase safe ?

I don’t like the ledgers solutions. Components are not protected and simply the humidity of the air will progressively kill it in a few years. I need a long lasting solution so I don’t have to think about it anymore.

Cheers