juanita,
What if you were to 'gift' it to your children now, before you get anywhere near expiring? Then when you do, there is nothing for the ex, because you have left nothing.......it is already in the possession of your children. Of course, this presupposes your children won't turn funny & put you out on the street penniless whilst you are still alive.........but I assume you trust them more than the ex?
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