I am truly concerned for future. I live in NY State. All assets are either pre-marital or currently in husbands name. Husband states that in the event something happens to him, I receive all. I told him he needs to prepare a will stating this. In the event something happens to him I have 3 children to care fo, haven't worked in 9 years from being an at home mother. I am concerned do to outside advice stating I may have to fight in court for the assets because he doesn't have anything legally in my name. I want to protect myself and my children. He also refuses to believe that in the event something happens to us. That without legally gaurdianship stated the children will go into state custody until a family member steps forward to care for them. Can I have appointed someone without having his consent?