The age old question, is there life after death? Not for you on this planet at least. Dead men tell no tells. They also have no say so to what happens to their property, children or pets if they don’t have a will. They will leave no money, in most cases, without life insurance. The only chance you have for life after death is to leave your instructions of how you want things handled by writing your last will and testament. There are now online services that are both affordable and convenient to writing your will and not leaving your loved ones fighting with a judge about custody of the children or their beloved pets.

Never just assume that everything is marital property and everything will just be okay. I was reading about a case in North Carolina this past week where a man died without a will. He was on a second marriage with two minor children. Upon his death, the first wife and mother to the children stepped in wanting half of his estate for her children. The second wife and step mother just assumed everything was hers, but without a will ultimately now a judge will decide. What a nightmare that could have been avoided by just having taken the time to writing his last will and testament. It made me wonder, did he change his beneficiary on his life insurance as well? Another potential nightmare.

There are so many things to consider when we die. Some people think, I don’t really own a lot of property or assets, so I don’t need a will or life insurance. Having a will is much greater than just owning property. A will can protect the custody of your children, who takes care of your pets, or that special baseball card collection or tea cups collection goes to the right person who will appreciate them like you did. Another ongoing issue is cyber property. What happens to your Facebook, PayPal or Twitter account? There is so much to consider what happens after death, you cannot afford to be without a will in this day and time.

No one wants to think about dying, but two things are a must to average hard working Americans. Purchase enough life insurance to make sure your family will be okay financially and take the time to write out your will. The cost of an online will is affordable and writing out your final wishes is a snap with a good template. Don’t wait until it is too late and put your loved ones through legal issues and financial stress. Give them time to grieve over you, not curse you for your mess. If you love and take care of your family everyday like most of us, take another moment to care for them when you’re gone. Give life after death to those loved ones left behind. Don’t procrastinate any longer!

“Procrastination is like a credit card: it’s a lot of fun until you get the bill.”–Christopher Parker

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Tim Wilhoit is owner/principal of Your Friend 4 Life Insurance Agency in Nashville, TN. He is a family man, father of 3, grandfather of 1, entrepreneur, insurance agent, life insurance broker, employee benefit specialist, salesman, sales trainer, recruiter, public speaker, blogger, author and team leader with over 29 years of experience in sales and marketing in the insurance and beverage industries.