Have The Will To Have A Will

Yes, I know, a will is not insurance. However, it certainly is a risk management tool.

Depending on your state law, dying without a will could lead to a delay in the settlement of your estate or forfeiture of part of your assets to the state.

If your will is more than five years old, get it revised. Failure to have a current, valid will means your estate won't be handled according to your wishes, but those of the courts or the state.

Check your life insurance too.