I slogged for months thru my ex's paperwork, and got all his affairs in order, (which was a good way to keep extremely busy to avoid falling to pieces).
The only thing that never worked out was with his VISA insurance thru his bank: His/our bank's VISA insurance refused to stop withdrawing his credit card insurance payments; because he had not left a will!!!
When he died last June there was 13,000 in his savings account.
He owed about 14,000 on his VISA, DESPITE his insurance.
Despite all the documentation that the poor man was dead, the bank insisted that SOMEONE continue to pay his insurance premiums, OR they wanted ME to pay off his VISA balance, pronto. (my name wasn't even on the card).
The bank has drained his savings account now, and unless I was appointed officially as his Executor post-mortem, or went to a lawyer; there was nothing I could do.
His children were robbed of their inheritance.
The moral of this story is to ALWAYS, ALWAYS leave a will where your loved ones and Executor can FIND it!!!!!