Youre not alone with the problem: if device lost -> difficult to reach family
No matter what solution you choose you will need to remember something. I have two family members who always answer, so their phone numbers are the only two I know. By dialing them manually now and then I make sure my memory is working.
In the age of AI/voice generators I’ve also told them how I will identify myself. So if being mugged in Kiwiland, and they get a call where I ask them to transfer money they can do so knowing it would only be me making that request as I told them the secret phrase: ”yes, it was me who tipped over the Christmas tree”. Ofcourse not that, but something none of the inner family will ever forget.