Interesting my feeling is you stash the phrase somewhere only known to you. If this is not an option then you would give 12 people one word each from the phrase although you then enter the problem of trusting them not to gather the phrases behind your back. Although you could select twelve people unknown to each other. You would have to leave a will with the names of the said holders. Then again you have to trust the individuals don't loose their parts of the code. I big dilemma for sure. Another would be to store the phrase coded in say a piece of art, then leave the solution in a will ummm a tricky one for sure 💯🐒