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@jallaphanti
agree with you - but you need to be sure that in the event of one of you dying that the surviving partner is entitled to things like pension & death in service benefits from the employer of the dead partner.
not the most romantic thought - but if you have no kids - it is possible your legal next of kin might be that wanker of a brother you have not spoken to in 20 years, annoying if he walks off with 4 times your annual salary, whilst your wife gets nothing
but I am not a lawyer so this all may be balls.....