To ask what we'd put down as our marital status?

[Elsalvador]

With DH for 20 years. Not married and I don't want to turn this a debate about whether we should be or not :)

Looking for life insurance quotes, and the marital status is either married, single, divorced, separated, widowed or civil partnership. None of these fit. What would you put? I don't know whether this affects the premium displayed. Does anyone know? Thanks so much in advance

Single is the only option here as there is nothing to indicate living together

You're not married so you'll both need to put down single.

Isn't there normally a co-habiting option? If not, then out of that list - as it's asking your MARITAL status, the answer is surely single?

Single as you’re not in a civil partnership or married. Legally, you’re single

Oh interesting question. Single I guess. Married will get you cheaper premiums but you can't lie

Legally, you’re single. Some organisations have the option for cohabiting, but that isn’t a legal status.

He’s not your dh either

Legally you are as single as if you had met him yesterday.

Single

If you're not married, you're single

And he's not your DH

they're asking form legal perspective. And that for you is single.

Clearly single your not married and referring to him as DH does not mean he’s your actual
Husband .

How did you get 20 years into this before needing to ask ?

Legally you are single. You can't pick and chose the benefits and downsides of marriage vs non marriage.

for life insurance, you'd be better covered with two single policies anyway (regardless of marital status)

Legally you're single.

Marriage is contract that confers certain benefits. To obtain those benefits one must enter into said contract.

Single.

Single. That's legally what you are from that list.

Call the insurance company for advice of which option you should use, and ask for them to email/write so you have it in writing.

Insurance companies will use any loophole they can to not pay, including an incorrectly filled out form, so your best bet is to ask them for clarification.

Marital status is either

married, [no]
single, [legally yes]
divorced, [no]
separated, [no]
widowed [no]
civil partnership [no]

Single.

Single is your legal marital status irrespective of how you view the relationship.

Insurance companies don't run their modelling via feelings, they run it via statistically provable data.

The single option appears to fit perfectly. 🙂

Hmm. I told my insurance company DH died, but I haven't specifically changed my marital status to widow. Would they really use that to avoid paying?

Single, that's what your legal marital status is.