Your private key to your wallet is very important and Should be kept so confidentially that anyone anywhere cannot just gain access to it, it should not be kept even on your system where internet can trace it into the hands of the hackers, once it could be traced, your wallet and token is unsafe.
In this condition, in the process of keeping safe from every reach, if the account owner dies and no one has Access to his or her private key, what will happen to the token in the wallet over time?