you can leave "your" money to whoever you want,

not only through life insurance.

好象房子，股票基金，银行存款什么的，法律规定一定要留给配偶 -- not true. In general, you can leave your share to anyone you want to be your beneficiary.

But it may not be easy to tell how much 房子，股票基金，银行存款 is your share.