>ultimately be worth $1,200 to the company.
Ok, then charge $1,200.
The price doesn't matter. In fact, $99 is very likely too little. I shouldn't have thrown out a token number.
I mean, it would cost ~$0.11 to store 1KB of data for 100,000 years [1]. I don't plan on living that long.
$99 would be more than enough to store 1KB, 10KB, 1MB for 100 years. Business-wise, death is big business, charge $1,000, $1,500, whatever as long as you can convince people it is worth it.
Emotionally it feels much better to pay a lump sum and now it is taken care of rather than having to swallow and maintain a monthly payment regardless of its size.
I don't want to look or think about my will every month. I want it to be done and filed.