Good points overall though I would

https://privatebin.net/?0c2fd05d30fd7e82#Au9yKZYPG7Lr2LccptU4KwfvrdxYnba5nmzNAmZynz8S

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