HELP - How do you assure life assurance is paid to unmarried partner

smileyone_2

Hi

We have seperate life assurance on our mortgage. My concern is because we are not married if my partner dies his ex and children will contest for our house. His oldest child is now 18 will the policy be paid to him and where would I stand re our house.
Hopefully this won't happen ...but he burys his head in the sand when i try to discuss it and keeps promising to write a will but never does. He's had a few near misses with his job and I worry

Wutang_2

I don't think how to arrange this is the problem but rather why your partner will not commit.

Also, are you joint-tenants or tenants in common?

smileyone_2

Yes I think that too

We have a mortgage together

dunstonh

Ignoring the commitment issue .....

You either write the policy as the partner as the owner and you as the life assured (or vice versa) or put the policy in trust. If its for mortgage protection then a joint owner, joint life, first death policy should be fine like that as the benefits are paid to the surviving owner. If you use single life, single owner plans then you are asking for trouble and the money may not go where its needed if you are not married.