Lou Holtz says, "Ladies and gentlemen, you are not selling life insurance. All you're trying to do is help people solve problems before they arise."

 

 

 Last Wills 
If you die without a will (known as "intestate"), the state, and not you, will decide how your property is to be distributed. In many states, your property will be distributed as follows: first, all of your joint property will pass to your spouse (if you have one). Second, your separate property will pass according to these rules: