4 and a half months later

Kelsey and Dominick have moved to North Dakota.  I am feeling loss all over again. Sadly, Kelsey realizes after all we have been thru with Korry, that life is not permanent for any one.  Kelsey took out a life insurance policy before she left.  Kelsey made a will before she left, stating that if anything happens to her Dominick would come and live with me. We also discussed death and  that awful word "services" again. Kelsey, too, would like to be cremated. when I asked her where she wanted her urn, she said right next to Korry. Wherever she goes I will go. It was a beautiful but extremely sad thought.  How many 20 year olds have ever given any thought to these things??? It breaks my heart that we even had to discuss this, but at least it is covered, so there will be no questions if the time comes. I pray it never does, but it is covered, now.
What hard things for a young lady of 20 to even think about.