We went to a financial advisor recently. He advised that because of Karen's disability, it was important that I not die intestate which does not refer to a Jake Barnes type injury. I hated to make a new will after the controversy of the last one. Sarah helped me resolve that, though. After we die, Instead of going to live with my sister or Karen's brother, she said she could stay with her husband.
In any event, finding the answers to questions about insurance policies and beneficiary forms, and on and on ad lucem is so tedious, and so tiring, that it makes one long for the comfort of the grave, which is the one place you can't go until you finish your work.