I had a will before I met DH. You must get one. My first DH's passing proved to me that a will really helps your family with the legal process. I can't tell you how messed up settling his estate was because of no will. Plus his mom had passed the year before and he hadn't settled her estate yet so it was left to lucky ole me to settle 2 estates at the same time. 1 of them being in a different state even.
edited - when i found out my first H passed away I took as much money as they let you take out a day from the ATM. once the bank finds out someone is dead they lock the account and you may not have the money for 6 months. I was determined and settled his estate about 6-8 months after his passing. I about lost my *** at the bank when they told me the letter from my attorney wouldn't let me get his money out. make sure you guys are POD on each others things. makes things much easier
Forgot to also mention that in the state we live in (missouri) if the spouse passes away the other spouse is entitled to everything. even if your DH has some of his 401k money named to his parents....its all yours. my inlaws were in ATL and the stupid half brother was trying to get his fair share from him. I was so pissed.