First rule of thumb: Never name a beneficiary for your insurance in a Will.

Right now, you can immediately contact each insurance company (or if your insurance was obtained as part of a benefit plan through your employer, the employer) and ask for a new Beneficiary Form. Then name the beneficiaries of your choice and file the new Beneficiary designation with the insurance company (or employer) and ask for written confirmation that it has been received and filed. In the event of your death, the insurance companies would pay the proceeds directly to the beneficiaries you name without having the proceeds going through the delay, expense, and hassle of probate.