Prevent Ex-Spouse From Inheriting Assets

A finalized divorce can automatically revoke will gifts or roles for an ex-spouse, but that protection usually does not apply during a pending separation.
A will covers only assets in your name without a beneficiary. Accounts passing outside probate can still go directly to an ex.
Bank accounts, retirement plans, investment accounts, annuities, pensions, and life insurance may override your will, so beneficiary forms should be updated after divorce.
Living trusts can add control, skip probate, and manage assets during incapacity, but they should still be reviewed and updated after divorce.
Before making changes, review divorce orders carefully. Some agreements require keeping an ex as beneficiary, and certain employer plans follow federal benefits rules.
After divorce, update your will, beneficiary forms, and any trust promptly. Working with an attorney can help keep asset transfers aligned with intent.