If you are in the prime of life, raising children and caring for aging parents, it is easy to put yourself on the back-burner. However, you are at the center of the family now and need to know your own affairs are in order in the event of an untimely disability or death. At the stage of life age 40-60, it is imperative to have a Health Care Directive with Living Will, a Durable General Power of Attorney and a Last Will and Testament or Revocable Living Trust to provide for your spouse and children.