I wonder what the "breakage" will be in 2096. How would your surviving family members know to cash in this benefit? You keep a certificate in your safe deposit box, next to the expired term life insurance papers, that says, be sure to contact so and so to collect some money after I die?

> How would your surviving family members know to cash in this benefit?

Same way all benefits and assets are passed down. One part trustee’s work. Four parts the beneficiaries’.