Good points overall though I would

https://privatebin.net/?a50f80a44494f933#3tLteYyDDvBrD91894zpzdPxDwMWnT8EUbJ1jBXBW8XR

Good points overall, though I would add that people should revisit their plans after big life events like a divorce or new baby. We forgot to update our beneficiaries after our second child and only caught it by accident