I would skip the life insurance unless you want to use it to leave an estate to your child or the funds will be needed by the surviving spouce for day to day needs. For example replacing a pension that ends with death.
The question is what type of assets do you have? Don't answer. For Brokerage accounts, bank accounts etc you can usualy name a primary and secondary beneficiary and the assets will pass at death to that person. Assume Fl will let you do this but I do not know. I think the naming a beneficiary will be easier than a trust. If you own real estate outside of Fl you might want a trust for it.
You also want a health directive.
Writting down funeral instructions will be a big help when the time comes. You might want to buy a plot and select a head stone, and pick out a funeral home. The point is your spouce or child will have a lot easier time if you do this in advance.
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