Is a will legal if just notarized or does it have to be completed by a lawyer? Have a stepchild who is 30 that I don’t want to get anything?

You can pass the life insurance outside your Will by designated a beneficiary on the policy. A Will must not only be notarized but also witnessed and signed with certain required language and formalities.  Not only is this more likely to be done properly by a lawyer but a lawyer can advise you how to successfully exclude someone from inheriting and about other provisions you would be wise to have in your Will to protect your spouse and minor children.