Apologies if this has been covered elsewhere, but does anybody know how the various programs treat miles or points when the accountholder dies?

For example, I asked United about this in the early 90's, and was told they were inheritable. But when a friend died in '95, his partner was told the miles died with him.

Although my particular interests are UA, AA, US, Hilton, Marriott, Hyatt, & Starwood, surely this topic is of enough general interest to warrant posting here instead of on each individual program.

And just in case, I've told my parents (who have disability power of attorney) that if my health fails they should cash in everything and have a great time!