In the US it can even vary by state. Dying without a will or transfer on death assets can be a nightmare for the deceased family. My father died without a will and my mother and I spent a year jumping through hoops and dealing with lawyers trying to get everything straightened out.
I encourage everyone to take a look at their local laws related to the subject. You may be surprised at how things would work out without some planning on your part.
Privacy guides?org has a fairly active forum