IMO your affairs should always be in order to some extent. I worked for someone who died suddenly in a car crash, and his widow had all sorts of problems relating to things he owned before they were married, just because he didn't have a will. The guy who killed him (driving a logging truck stoned off his ass) got out of jail on a $50,000 bond, but she had to put up a $600,000 bond for the company just to sign our paychecks.