However, everyone should have a will in case some property does not avoid probate.
Instead, beneficiaries are named directly in their governing documents, and provisions in your last will that name different beneficiaries will have no effect.
These include: Life Insurance: The proceeds from a life insurance policy go directly to the beneficiary named in the policy.
Specific gifts, which leave a particular object or dollar amount to a particular person, are optional, but are generally the first items of property that are distributed from a last will.
A specific gift might read: "I leave to my daughter, Cynthia, my engagement ring." A general gift is a share of the property that remains after specific gifts are made.