I would open it and use it the best I could to make sure my family isn't left in a shitty situation (mentally, financially, other) as a result of the timing.
Way I look at it is that, if I were to die younger than expected, I'd want to know so I wouldn't be wasting my final months or whatever doing meaningless shit like working. If I found out I had, for example, one year (give or take) to live, I'd immediately quit work, get all my money/resources ready and do nothing but travel and party for that year.
There would be no point to just living like normal and preparing for a future that isn't going to be there, wasting those final months until I drop in the office or some bullshit like that when, if I know, I could at least say that I lived life to the fullest until I OD'd or whatnot.
yes