Have you checked out the Legacy access feature of Bitwarden? You can add your family/kids, and if something happens to you, they can request access. If you are still living, you can approve or reject the request, but if you are incapacitated (or worse) they would receive access to the vault.

We gave access to certain bitwarden entries containing copies of required documents to one of the kids when we went overseas recently, but she also has legacy access to the whole account and could request access should anything have happened to us