I am just going to put my parents for now, but need to continue to think on these things. Currently I do not have a will or anything in place. Starting September 1st, I will have insurance for the first time in 6 or 7 years. I am looking at having to replace my vehicle in the near future and also getting the mortgage on the house put into my name in the next year. It is taking longer than expected to put my life back in order, but at least I am making some progress.