Having your arrangements made and your wishes recorded for everyone to know is good planning. Unfortunately, depending on the estate and probate laws in your state, none of that may have any legal effect unless you have a valid will designating an executor/personal representative to act in your behalf in settling your estate.
Four years ago we spent nearly a year dealing with the death of a cousin 2000 miles away from us. Single man, no children, only two known living relatives. Owned a home with mortgage, owned a car with debt, had all of his bills on auto-pay from his bank account. What he did not have was a will.
About a year later, and $15,000-plus in legal fees, court costs, admin expenses, etc, we were finally able to settle his estate. Six months to get the court to allow us to act as executor, during which we ended up having to pay all the bills with our money, no way to access his accounts at all. Doing all of this from 6 states away was very stressful and time consuming, to say the least.
Last will and testament, durable medical power of attorney, living will, directions on disposition of the remains, any designated gifts or bequests. Updated co-owners or POD on all bank accounts. Beneficiary designations on all insurance policies, investment, and retirement accounts. These are the minimums needed to save your family and friends from having to deal with a huge mess.
After travelling 2000 miles to get there I was first faced with a hospital morgue demanding that I get the body out of their facility. $5000 retainer to a lawyer to start the process. Seemingly to add insult to loss, the court immediately demanded that we post a $250,000 surety bond, then dragged out the decision for nearly 6 months before we could do much of anything. Disposition of the remains is a really tough decision to make. Several years earlier cousin refinanced his home, but the prior mortgagee failed to clear the title in public records, then went out of business (what a mess!), so the house couldn't be sold until all that was cleared up.
A few hundred bucks to your attorney can smooth out everything for those you leave to deal with your passing. If you don't have a will get it done now. If your will is more than a few years old it is time to review and update it to your present satisfaction. Copies of everything to those you are counting on to take care of your estate.