> If something happens to me, my family would have no idea how...

So, in effect: "If something happens to me, I WILL NO LONGER HAVE any banking or investment accounts, nor insurance, nor a will, nor ...".

Basics -

Keep a detailed, paper-based inventory of your stuff. With complete, noob-ready access information. Updated at least annually. In at least 2 different places, known to reliable family members and/or trusted close, old friends.

Remember that you might have a period of disability or unconsciousness before you pass away. (Or before anyone thinks to act on the possibility that you'll pass away.) During that period, most of your online & cloud-stored stuff could vanish - because no one paid the bills or did other maintenance. Or insurance bills could go unpaid, or heat gets turned off at your cabin up north and the pipes freeze and flood it, or ...

Keep a tight lid on how many places you keep the important stuff (vs. cute cat videos or other relative fluff), and on the complexity of accessing any of it. Those important places get listed first in your inventory, annotated with extra details on what important things are to be found there.