My youngest brother passed suddenly this last May, leaving a wife and 2 kids 11 and 13. He did have insurance but no will. My SIL is only just starting to get some money in now.
My other brother had to go to the cemetary and pay them $3,500 on the morning of Micks funeral, or they said it would not go ahead. Dreadful.
So make a will too, the consequences are dire.