I know you can transfer ownership of your images. The gray area is whether companies will honor that transfer. Some sites have a strict policy about the person selling the images being the creator of the images, not just the owner.
Hypothetically, I would imagine that if someone dies and wills image rights to their spouse, that spouse can legally take over the stock accounts and receive payments. The only complication would come from either trying to change the name on the accounts, or whether or not a company takes issue with images rights being transferred.
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