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Well, first of all you really don't need the life insurance, even as a term policy. With no one else dependent on you, you can set aside enough money in your will to cover "final expenses", and that should be that.

For the rest of your question, you have *no* obligation to leave money to *anyone*, related or not. You can donate to charity, or to your favorite college, or wherever else you want.

When you set up your will you might want to set aside some specific things to some of your family, if there are particular things you own that you know they would appreciate. And you can state in your will that your wishes are to leave stuff to charity, and not to family.

And remember that a will isn't set in concrete -- you can change it whenever you wish, and when your circumstances change. There may be a time later in your life when you want to specifically provide for someone, and then you can arrange your affairs accordingly.
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