Consider this: Is your spouse or partner equipped to effectively communicate with the relevant authorities in the event of your passing? Can they read and, more importantly, comprehend business or governmental-style English, which is vastly different from casual communication, such as using Line accounts with emoticons? Are they familiar with your essential documents and proficient in using tools like a computer, scanner, or printer?
To the best of my knowledge, transferring funds as gifts involves adhering to specific protocols and may not be as straightforward as one might hope.
Even if a representative from your financial institution assures you that "everything is okay," trust me, there’s often someone else who will come along requiring additional documents or raising new issues.
If you haven’t already, ensure you have a comprehensive Will for your overseas assets. Review it regularly (I do it annually) and provide clear, detailed instructions for your executor. Importantly, choose an executor who is a skilled communicator in English and is capable of navigating complex processes.
Just a word of caution and preparation - better safe than sorry... Though, truth be told, you wouldn’t know anyway once you're gone. It’s your loved ones who will bear the burden freeing your assets, and they’ll need all the help and clarity they can get.