Billie, a single mom with a lovely 7 year old daughter Ellie. A friend advised her to get a Will to protect Ellie. Billie orders Will creation software online and created her Will. In her Will, she left everything to Ellie. Billie then responded to an email for Life Insurance, which she applied for, naming Ellie as her beneficiary. In her Will Billie named her sister Delores as Ellie’s guardian. She felt that Delores could use the insurance proceeds to take care of Ellie in case something happen to her.