WILL Writing - implications and complications

I am a HINDU by religion . I am a man of 70 years. I own following assets created by me . 1. An individual house constructed by me way back in 1987. 2. Bank Deposits 3. Investment under Post Office SCSS . 4. National Saving Certificate/Kissan Vikas Patra 5. 2 Life Insurance Policies I wish to write a “WILL” in favour of my wife . My querries are : 1. I have nominated my wife in all Bank Deposits. What is the legal rights of a nominee with regard to Bank Deposit. Is it necessary to include bank deposits in the WILL Since the status of deposits goes on changing from time to time , is it necessary to update the WILL frequently (It is impractical and tedious process) ? In case my wife happens to be joint account holder in bank deposit how does it differ from Nominee . 2. What are the rights of a Nominee with regard to Insurance Polices ? I have read that the introduction of Insurance Act 2015 exclusively gives right to the nominee to enjoy the proceeds of policies even in the absence of a WILL. 3. My wife is joint account holder in Post Office SCSS . Is it necessary to include the investment in a WILL.? Here also the status may change from time to time. 4. How to deal with NSC/Kissan Vikas Patra? 5. How do you define “IMMEDIATE RELATIVES” ?Does it include son-in-law and daughter-in-law ? 6. Can we impose some restriction/conditions on beneficiary to limit his/her authorities ? 7. In case beneficiary predeceases the testator what are the implications ? Is it necessary to rewrite the WILL or we can put more than one beneficiaries imposing a condition “ If not 1st than 2nd beneficiary” . I would like to reiterate here all the above mentioned assets are self created and NOT INHERITED.