I say screw them all. Let them work for a living like everybody else So nice of you to decide what is best for everybody. I guess providing some comfort and security for one's children is an aspiration we should all just abandon, since we've now been exposed to your infinite wisdom.
It's a quaint notion to want to provide "comfort and security" for your offspring by way of inheritance. The reality is that the kids end up waiting for you to die so they can get that money as quick as possible. Don't think it won't happen if you set that expectation with your kids. When they hear you are on your deathbed, they will be on the web checking out prices for that new boat or vacation home they always wanted and if you make a recovery and the doctor tells them the "good news", they will pretend to be happy for you but deep down inside, they will be going "damn it!".
I told my parents to spend every penny they have while they are still alive as I will take care of myself and my family just fine.