And make sure that you provide for your loved ones by writing a will.  If you don’t have a will, the state in which you live controls how your estate is distributed.  Are you completely happy with the way your state spends your tax money?  Do you think you’d be happier with the way they would spend your personal money?  If not, then make sure you control how your money is distruted to your heirs.  See a trusts and estates attorney and write a will.