I have made sure I own nothing, the house and land are in my wife's and our 17 year old son's name, I've transferred ownership of the car and motorbike to my wife a long time ago so I've no need of a will, when I die it will be as if I never existed. My wife has a life insurance in which I and our son are beneficiaries. I have a funeral insurance which takes care of the cost of a cremation at our village temple, keep it simple.