Partner won’t change Trust

You wouldn’t have a mortgage to pay , you don’t own a property. It would be up to the kindness of whoever he’s left the house to to decide if they’d let you stay.

They mean take out insurance on him.

I know someone who did this. It paid out hugely when required.

I think you also might be able to independently Insure his life too? You pay the premiums.
Explore your options. Take professional financial advice.

@Legobricksinatub this situation is slightly more complicated as there is a young child in the mix.

Amazing that there are any female graduates at all if it is impossible for women to study without men supporting them….

It isn't. But the only reason she's able to do it is she's found herself a man to fund her entire living costs whilst she studies to develop her career. There are not many women who would find themselves in that cushy position. Granted, many women wouldn't want to sponge this way but as she doesn't mind, she's in a good position. She seems to be expecting him to fund her life AND wants to screw him for his assets which are nothing to do with her. I'm struggling to see why he is being made out to be the mean one here!

Whatever you don't have another DC with this man. Get your degree. Get a job and make him pay for your DC childcare. You need to start building up a nest egg. Taking out life insurance on your partners life is a good idea. If he refuses to pay would he pay half? I'd be asking him. I'd also tell him I was worried if he died how I'd afford to bring up his DC. Let him think about it.

I'd hardly call doing a dentistry degree an irresponsible choice.

Yes! Yes! And on top of that you’re gone to university for a long degree, instead of getting back to work. Bad decisions after the other op. All yours.

Trusts are an entity in their own right, and are quite different to wills.

https://www.phrsolicitors.co.uk/legal-services-for-individuals/wills-and-probate/resources/benefits-living-trust-vs-will

With a will, ownership of an asset passes from one individual to another. If an asset is in a trust, it belongs to the trust. The named beneficiary may have use of an asset (a house, for example), but they don’t own it. What access they have to any assets held in trust is determined by the terms of the trust.

What is "his trust"? How does it differ from a will? Does he have a will, and if so do you know what's in it?

35 for him and 35 for my own per month.

How much does it cost you?!? I must be massively overpaying for mine 😭

the policy I have on my ex is a whole life assurance policy! It pays out regardless up to the age of 99. It is also medically underwritten for life.

There is no medical issue with either of us- we were told it was because we’re over 40.

@Puzzledandpissedoff Yes, the OP needs a back up plan in case the relationship fails before she qualifies.

If she has a supportive family, I’d advise being open with them about the situation. If my DD was in this position, for example, I’d help her and my GC get sorted out if he kicks them out.

There are a number of different types of trust. It may be the case that he couldn’t change it, even if he were of a mind to.

Both my husband and I are beneficiaries of family trust funds, and it isn’t within either of our power to change what is laid out in said trusts or alter them in any way. That we are married is irrelevant. Benefiting from a trust and/or being able to utilize assets owned by it is not the same thing as having control over it.

Another possibility is that the op did not choose to get pregnant here.

Just a thought, but the many suggestions about staying to complete the course and save up rather overlook the possibility of the DP finding himself someone else and wrecking the whole plan beecause he wants to move them in

IME men who feel they've met their partner for life don't often have issues with committing; where they won't it's often because they'd rather keep their options open, and 3 to 4 years sounds an awfully long time to spend "playing nice" for the sake of a roof over OP's head

The trust is likely to carry on even if he dies. If most of his assets are in the trust, there may be very little for anybody to inherit. Hopefully, your son is a beneficiary of the trust. Without seeing the trust accounts it would be difficult to know which assets he actually owns and which ones are held by the trust. So seeing a copy of his will tells you very little.

If he wanted to provide you with financial security or make you aware of his financial situation he would have done do by now. I wouldn't ask questions now and risk rocking the boat. You must get through that dentistry course. It would be much harder to do as a single mother responsible for almost all childcare, rent, food, utilities and so on and people advising you to storm off for the single life as a dentistry student with a baby in tow are not being realistic. The dentistry degree will set you up financially.

This is not politically correct but in the meantime I'd be sweetness and light to him and try to keep your looks up - no slopping round the house in ancient sweatshirts and baggy leggings with messy hair. You are utterly dependent on his goodwill. I'd be being super careful about contraception. By the time you've finished your degree your child should be at school and easier to manage. Then I would leave him without a backward glance.

Why did you have a child before completing your degree? You are in a very vulnerable position, whether your partner is alive or dead.

Does he have any other children?

You would be homeless as the properties are not yours, hes a clever man hes made a will it sounds like you are not in it but his family will be and they will want you out that house asap, you need to speak to him and if he wont speak there is your answer, he has no responsibility to house you if he dies but to leave his child homeless is terrible

How can she "invest heavily" in anything, she has no income?

Buy your own life insurance on your DP and invest heavily in your Isa and pension.

If it's in a trust she won't even be able to do that.

OP, you seriously need to start trying to understand the situation you are in.