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.
We told Hubby’s parents the same thing, “Spend it all! We don’t need it.” and “If you run out, we’ll take care of you.”
We were pretty disgusted about his brother’s wife, who vultured over the old folks until they died.
Hubby was executor, and he fairly and openly divided the estate. She had nothing to complain about even after poring over the paperwork looking for cheats and errors.
We don’t see them much anymore.