Most people don't like thinking about their own demise. Even fewer want to think about what will happen to their business postmortem, and absolutely nobody wants to take on the jargon and paperwork involved in setting up an estate plan."The hardest thing to get people to embark on is the estate-planning process," says Patrick Smith, vice president and director of The Hartford Financial Services Group's ( HIG) estate and business-planning department. Business owners that start in their early 50s are ahead of the curve, he says. More than 40% of small-business owners say their top concern is how to leave their business and realize the monetary benefits of their hard work, according to the Hartford's Business Owner survey. However, crippling taxes and poor planning too often put businesses to rest alongside their founders.