It's never too soon to prepare our survivors for the things they'll need to have ready when our time comes to leave them.
Here's some DOD info on retirement statistics that may motivate you to take action now. Lots of statistics, some of it interesting. Bottom line: average MOAACC age at death for last several years is 87; some last longer (widows) and some unfortunately shorter. Dying is bad enough, leaving behind loved ones who are not prepared to carry on your legacy is worse.