Yes. I think a multisig built on a DLC for term life insurance only. The 2 parties being the insurance carrier and the insured. The contract would time lock for 20 years, 10 years, whatever the term and an oracle would determine during the contract, yes you died or no you didn't die. If you die, the multisig is released into your beneficiaries wallet, if you dont die the contract releases the Bitcoin, back to the company. You as the individual pay a premium on a monthly basis. If you lock in early and something happens in year 15 of 30 of the term, the amount of Bitcoin that your family would get would have a monster step up in basis and be very tax efficient.

Yes, and for term life insurance you could use a DLC with the insurance carrier and an individual. So you lock the Bitcoin for 10, 20, or 30 years. You would pay a premium, lock the rate, and if you die during the term your family gets a BTC payout and most likely a substantial step up in basis for the Bitcoin tax free. OR you live and the comapny takes back its Bitcoin.