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Shamir Secret Sharing is the best solution for this.
You generate seed phrases that only work when the minimum threshold is met.
Generate four shares and set a threshold of two shares to recovery the funds.
Keep two in a safe place, that only you know about. Third with a laywer and the fourth in a safety deposit box that your significant other (or family) can access.
On your passing the lawyer releases the third share, your partner combines the share from the safety deposit box and the funds are recovered.
It's also a strategy for disaster recovery.