To be potentially homeless when I’m old?

[Dogmummy1980]

I’ve been with DP now for 2.5 years and we moved in together a few months ago - me moving into his house. I was renting a property previously and also moved in with debts that are now almost clear. We have 4 kids, 2 each, none together. I’ve always said if it is that we split I would never claim for his house - I don’t own a property and his is mortgaged but in the instance we split it wouldnt feel right me doing so. He is divorced and it was their marital home. I pay half of the household outgoings each month

However my mind is niggling at me - if we are together until he dies then what then for me? When I’ve brought it up he has simply said to trust that his kids/family wouldn’t see me having to move out immediately. Whaaaattt??? He has also now claimed I am asking this as I am after money - I’m absolutely not as my only question has been if/when we were elderly. I am also aware I would never be in his will - the entire lot would be for his kids. I’m a benefactor in my mums will so eventually I would be ok money wise (as much as I hate to think of this idea)

So essentially for me to ensure I have somewhere to live when I am old I would need to buy a property and rent it out for the next goodness knows how long - something I really don’t want to have to do but I see no other way to protect myself when I’m old. I rented out my now sold (at a loss) property before and it’s been all manners of hassle.

AIBU to think this is ridiculous that I’m having to do this? That you either want to build a life with someone or you don’t??? And certainly if you are planning on spending to next 30+ years with someone you wouldn’t just expect your DP to leave their home at that sort of age in those circumstances?? I just feel lost/bereft - huge mix of emotions really!

A life insurance policy where each of you is insured ( you and DP) and the surviving person gets the insurance pay out?
Investing any money you inherit in property is a good idea, rent it out and reinvest the rent. You always have a property to live in if necessary.

@Suzanne999 Life insurance policies rarely extend beyond 70. Unless they are those small funeral plan ones. But for a large decent amount, then 70 is usually the upper age. So the DP could die at 71 and the OP would get nothing.

You should absolutely be saving to make sure you’re not left in the lurch. And ideally buy a rental property to give you security - or a holiday home that you Airbnb most of the time.

[quote AcrossthePond55]@SleepingStandingUp

Where does the OP state that she's 80 or that they're on the verge of marriage? Or are you referring to another poster?[/quote]
Op is talking about what will happen when they're older. The whole conversation is about what happens if he dies in the future when she's old and they've been together decades. She doesn't want the house, she wants legal protection from being kicked out on the streets in her old age.

@SleepingStandingUp

Got it! Thanks for the clarification!

Good to read the update. He can get a car loan and save up for the holiday. Cheeky bastard.