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You can indeed draft a will that would provide for your children, but you cannot override any deeds or accounts that state "with full right of survivorship" because that means immediately on your death it goes right to the survivor and does not go to the estate for distribution. So in order to provide for your children you have to remove the survivorship designation and you need to have a will that provides for them to have a share OR you have to put the property in a trust that provides for all of the children to have a share in the property and assets.