What happens to your child(ren) if you die?

[HoneyDoo]

Do you ever have the feeling of dread that if something happened to you resulting in your death, what would happen to your child(ren)?

Those of us that don't have trusted family members or friends that would step in.

Those of us that can't rely on the father(s) of your children to raise them.

Those of us that have no financial stability and so would not be able to leave anything for their upbringing?

Those of us that don't have a Will?

Just any of us for any reason, do you ever think about it?

I figured we could do with a lovely thread about death, what with Christmas around the corner. 😂

Hmm.
If anything happens to me then itll be DH. If anything then happens to him itll be my DB and DSil. She can grow up with her cousins that way.
ILs are a no go. FIL is a widower. BIL and SIL live at home with him. Both single and no kids.

Sorry in advance OP - but I'm going to be harsh here.

It is a choice that you are making right now that your child will have no provisions if you die. It is that simple.

Make a will. Take out the best life insurance you can afford. Decide who you would want to have guardianship of your child and ask them.

My husband (their father) would take them of course. If something happened to both of us, my brother and sister-in-law would take them. I have life insurance just shy of $800K and my husband's is $500K.

If DH and I both die the kids will go to his parents. If they're dead or incapable, DH's brother and his wife, then I have an order of preference for my relatives if they can't take them for any reason. MIL is a good bet though, her mum lived independently into her 90s, she's likely to be capable for the next 17 year's until my kids are adults.

My ex has PR so he might take our ds but I dread that because ex is incapable of prioritising anything above his own wants for the next hour.
I think he might decide he can’t cope, so my will has a clause that says if ex is unwilling or unable to provide a home for ds, my sister will have custody.
Also my sis is trustee so she will control the money. or my ex would spend it on something stupid like a life time ticket to Man. Utd. Rather than shoes. And food.

Xmasx3, op said she has no one. In that case social services will step in and find permanent home for dc. Sometimes that is best.

We made wills when our oldest DC was born. We found out that in the event of no will, social workers decide what happens to your children. Obviously they take family wishes into account, but as we lived 200 miles from our families, we weren't willing to take the chance they would listen to them.

So, it was all set out for our DS and any subsequent siblings. Thank goodness it wasn't needed, but it set my mind at rest.