A will is one of the most important legal documents a person ever signs, yet over 70% of Americans don't have one. A will is the must-have legal document that makes sure the people you love and trust receive your property, become the guardian of your children and manage your estate upon your death. In addition, if you have a special charity, religious organization or school that you want to bequeath to, a will is way to ensure that it happens. The importance of a will simply cannot be overstated.

You probably know the scenario. The office clock says noon and the guys and gals decide where to go for lunch. In many towns, the drive time to a restaurant eats up most of the lunch hour, not to mention the gas.