I put mine into my investment accounts and IRA's my broker and investment advisor and personal friend since 1982 has set up for my wife and I a long time ago.
They have done very well over a few decades and am very happy with the returns and accumulations.
IF/when I am no longer here on earth she will be well taken care of financially and have no money worries.
I have found out that life expectancy of a person with congestive heart failure is on average 10 years. SO I am working on making sure that when that day comes a very smooth transition will happen. I do not wish for her to have to do much of anything other than acquire a death certificate or two she might need. I willput almost everything into her name as the principle holder long before then. A smooother way for life to continue for her when I am gone..