you can leave "your" money to whoever you want,

not only through life insurance.

好象房子，股票基金，銀行存款什麽的，法律規定一定要留給配偶 -- not true. In general, you can leave your share to anyone you want to be your beneficiary.

But it may not be easy to tell how much 房子，股票基金，銀行存款 is your share.