fix(death): exclude deceased from annual sub; use current plan price for trustee fee
The deceased member should not be charged annual subscription — the primary
spouse becomes the new member. Trustee fee percentage now uses the current
membership plan price from pricing_configs (e.g. 150,000) instead of the
historical membership_value stored at enrollment time (e.g. 114,000).
Co-Authored-By:
Claude Opus 4.6 <noreply@anthropic.com>
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