I use KeePass, and I simply have a master key I use for all passwords. The master-key is jotted down in a safe place, so is a copy of the encrypted KeePass database. If anything happens to me, or I die, those looking after my stuff are able to contact those who matter(ed) to me. I have put in special fields like ContactIfInjured and ContactIfDead. I might need to change the setup a little since my Paypal stuff is in there too, and I don't want people to access that if I am 'merely' injured, but the way I see it that is really the last of my worries at such a point. (Besides, there is still some legal recourse to deal with thieves-through-ebanking.)