Have a will drawn up by an attorney. Leave one copy with him or her and
one with a trusted friend or family member (e.g., the principal beneficiary,
your spouse, your child, etc.)

One thing you should not do is put your will in a bank vault or safe
deposit box. Keep your will and other important papers in another safe
place. Safe deposit boxes are often sealed for a period of time at the
owner's death.

Make sure your insurance coverage is up to date. Major changes in life
circumstances such as marriage, the birth or adoption of a child, divorce,
or retirement can change your insurance needs.