I have two adults sons from a previous marriage. They both live independently. I live with DH and our 8 year old DS. DH and I jointly own our house (mortgaged) and have life insurance that should pay off the mortgage if either of us die before we've paid it off, plus a lump sum to the survivor. Obviously, if I were to go first, I would want DH and youngest DS to have the house and be as secure as possible, financially. Both DH and I are self-employed, we don't have any savings, only debt that we can manage (at the moment). We have smallish pension pots from when we were employees, but neither of us are paying into pensions atm - we are prioritizing paying down debt. I feel that I would like to leave something to my older sons. I worry that they'll end up with nothing if I die before DH, as I would expect DH to leave the house to our DS when he goes. Any suggestions as to how I could make provision for my adult DCs in my will? I don't have a will atm.