The property to be disposed of in the estate in the will is the property which exists at the time of death and not the property at the date when you execute your will. Our online will currently treats all your estate (which includes all your insurance payouts and assets in banks) as a whole and distributes it among your beneficiaries in your specified portions. There are coming plans to enhance our online will further such as the option to specify certain assets e.g. bank accounts for segregated distribution. Once it is ready, users will be informed.