When a person passes away in Florida, it is common for one's estate to go through the probate process. This means that the court will supervise the transfer of the decedent's assets to the people or organizations that are entitled to receive them.
Your 40s aren't a bad time in your life. You're still young, you have a strong job and a good family. Life is pretty great, and that's why you need to start thinking about the future. Planning for your future now means there's less to worry about later.