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My maternal grandfather died when I was 10 and left everything to his wife.
She died when I was 24 and left me £800, which I used to pay for my fiancé's wedding ring and part of the honeymoon. It was one of the most upsetting things about getting divorced, that I'd spent the money my grandmother left me on this woman - because I know it would have bothered my grandmother.
My paternal grandfather was gone before my dad grew up, and I never knew him. My paternal grandmother died with not a penny to her name, and not a care in the world - she used to say "we came into the world with nothing - if we go out in debt, we beat the house".
My parents wills provide for their estates to be split between my brother and I - I'm not counting on anything much, because with both parents in their early 60's, it could be 20 years before they die, and as the OP states it could all be gone.
Both of them have supported me financially and educationally for my entire life when they could, so I've already had the benefit. Both of them came from relatively poor families (they were the first generation to own a house, go to university, set up their own businesses) and the start they gave me is worth more than cash when they die.
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Overhead, the Albatross hangs motionless upon the air,
And deep beneath the rolling waves,
In labyrinths of Coral Caves,
The Echo of a distant time
Comes willowing across the sand;
And everthing is Green and Submarine
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