I have a few questions for unmarried mums who stay at home with their kids or work part time.
Do all your partner’s earnings go into a joint account to which you have full access? If not, why not?
Is your partner paying into a pension in your sole name? If not, why not?
Does your partner have a life insurance policy with you named as the beneficiary? If not, why not?
If you are living in a property you or your partner owns rather than renting, how is it owned? Is it in his name, your name or both names? If in both, do you own it as joint tenants or tenants in common? In equal or unequal shares?
Have you made mutual wills? If not, why not?
These are all things that can be done to give you additional protection if you don’t get married, although they still won’t give you all the same rights and protections as marriage and your partner still has the ability to unilaterally change some of these things if he decides he wants to walk away.
But a lot of the time unmarried stay at home or low earnings mums don’t have any of these protections either, because their partner doesn’t want to burden himself in this way. He isn’t sharing all his income with you or paying into a pension for you for the same reason that he hasn’t proposed.