Ian, I think this is an issue which faces all serious numismatists holding a collection which has assumed some considerable value over the years. Although it's more statistically likely you will pass away - for whatever medical reason - as you get older, it can happen at literally any age to anybody. Car crash, unexpected accident or unanticipated sudden severe illness. We none of us know from day to day. Thankfully, it's far more probable than not, that the worst won't happen for a good deal of time yet, and people are living much longer these days.
Maybe the way round it is to prepare a numbered inventory of all your coins, with photographs and a description, perhaps in both hard copy and e form, and let a solicitor have it as part of your will. The collection to be handed to a major auction house, with the inventory, in the event of your death, and an agreement with your wife and/or other close relative to effect the transfer of the coins to the auction house. Not necessarily an easy task as collections change and are added to etc.
The other potential problem we have is theft. Yes you can insure, but the monetary replacement would come nowhere near the sense of loss from having your collection stolen. Decades of work gone up in smoke, and the pleasure of viewing your collection gone.