Do you have a named beneficiary on your life insurance, retirement, and investment accounts?  You should always name a beneficiary and a contingent beneficiary and review your choices periodically.  Without a named beneficiary, or if a beneficiary dies before you do, upon your death, the proceeds normally end up as part of your estate, which causes a probate to be necessary.  The probate process can be time consuming, costly, and frustrating.  It is best to be proactive and review your estate plan regularly.  Contact Crane Elder Law Firm for a 15-minute consultation to discuss your situation.