Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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Backblaze supports encryption and lives in "the cloud". Seems like if they don't currently have a "beneficiary" option, they should add it. Your beneficiary could make a free account, and you add their account as your beneficiary. Until you die, they can't access anything. But if you do, it is all accessible by them and only them.
Bitwarden has a sort of dead-man-switch, I forget the name. But you could use it to give a beneficiary access to whatever you want after you croak.