Morbid but important
Three months ago my co-worker (who is about my age) had a beautiful destination wedding in Jamaica. Two months ago she and her husband bought a new house. We've all been incredibly happy for her, so of course everyone was stunned to learn that Monday night she came home to find that her husband had suddenly died. I don't know the details, but it was completely unexpected.
In the last few months my coworker obviously had a lot going on, and taking care of legal paperwork wasn't on the top of her list.
I'm not writing this to be incredibly depressing (although I know I am, so I apologize). Instead I'm writing this as a reminder to change your life insurance beneficiary and adjust your will if you haven't already. DH and I have been married for almost a year and a half, and it took this tragic event to finally get us moving on this paperwork. We bought a new house last month, and neither one of us can afford it on our own. However, we each still had our respective parents listed as beneficiaries, and in the horrible case that one of us should pass away, the other wouldn't be able to afford to keep the house.
I know that my parents would just turn the money over to DH, but I don't know what his parents would do; money is a tricky thing. In order to avoid unnecessary drama and worries if the unthinkable were to happen, we're taking care of this unpleasant business now. I have no doubt that the last things my coworker wants to deal with are money and insurance forms.