The will was released today in a batch of more than 100 documents seized in the May 2011 raid that killed bin Laden at his compound in Abbottabad, Pakistan.
The al-Qaeda leader planned to divide his fortune among his relatives but wanted most of it spent to conduct the work of the Islamic extremist terror network behind the September 11, 2001 attacks.
The threat of sudden death was on his mind years before the fatal raid in Pakistan.
The documents were released by the Office of the Director of National Intelligence. They address a range of topics, including fractures between al-Qaeda and al-Qaeda in Iraq, which eventually splintered off into what is now known as the Islamic State; and bin Laden's concerns about his organisation's public image.
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In another letter, addressed to "The Islamic Community in General," bin Laden offered an upbeat assessment of progress in his holy war and of US failings in Afghanistan. The letter is undated but appears to have been written in 2010.
"They thought that the war would be easy and that they would accomplish their objectives in a few days or a few weeks, and they did not prepare for it financially, and there is no popular support that would enable it to carry on a war for a decade or more."
Bin Laden sought to portray the US as mired in an unwinnable war in Afghanistan. In an undated letter that appears to have been written in the 2009-2010 period, he compared the American combat position to that of the Soviet Union in the final years of its occupation of Afghanistan in the 1980s.
"We need to be patient a bit longer. With patience, there is victory!"
Beginning last summer, the CIA led an interagency review of the classified documents under the auspices of the White House's National Security Council staff. Representatives from seven agencies combed through the documents.