Is it possible to make up a time sensitive account balance? That way if an account holder dies, their balance could get transferred to another account after a given amount of years. Would it be possible to select a beneficiary just like we select a representative? It would be pretty cool if the beneficiary is an address that's programmed to split the amount in percentages to other addresses.
At the moment such a (time) conditional transfer isn't possible afaiu.
You might find such solutions where smart contracts are in place.
As smart contract capability is not on the Nano roadmap - and likely never will be - you have to take care about your Nano while you still can.