Life insurance for stepdaughter

Harry26 · 2025-01-01T19:52:25+00:00

I am pregnant and due in April with my partner who has an 11 year old. We both want to take out life insurance but AIBU for me not to want to include my partners daughter in my policy? I don't know how to say it to him without malting him

Randomontheinternet25 · 01/01/2025 20:09

Why can't you be honest with him?

KittenPause · 01/01/2025 20:10

It's your policy you don't have to tell him anything

KittenPause · 01/01/2025 20:11

It's down to him and her DM to sort these things out not you surely

raindripp · 01/01/2025 20:11

Just say that your stepdaughter will be covered by his policy and her mums policy, you want to make sure your child has the same and is covered by his policy and yours?

If you died, your stepdaughter would still have both parents. Your child wouldn't, so not sure why your stepchild needs to benefit from your life insurance in any way.

RegulatorsMountUp · 01/01/2025 20:12

Usually life insurance would go to each other and possibly a child too. If you died would you not want the money to go to him? Or all in trust to the child? I'd just put your wishes on the trust form and not mention it- it might not ever be paid out anyway.

TheWonderhorse · 01/01/2025 20:12

Has he asked you to include her? Does she live with you?

DaftyLass · 01/01/2025 20:13

Do you live together?

WickedlyCharmed · 01/01/2025 20:15

Just tell him that it’s the norm that each parent covers their own children on their own policies.

So SD will be covered by her mum and her dad’s insurance policies.

Your child will be covered by yours and her dad’s insurance policies.

HermioneWeasley · 01/01/2025 20:17

You fill in an expression of wish form and state the beneficiaries of your pay out in the event of your death. She isn’t “covered” as such.

I would make your child the sole beneficiary

Merryoldgoat · 01/01/2025 20:21

Why do women insist on having children with men who already have children and then act shocked the man wants to treat their child like, I don’t know, their child?

FoxInTheForest · 01/01/2025 20:27

Is her mum in her life? If so tell him to speak to her about whether she has life insurance, and if not get him to take a higher amount out to cover both children.
If mums not in her life then take a higher amount out for yourself as your DP will need it to cover both children's expenses if you pass.

RegulatorsMountUp · 01/01/2025 20:32

HermioneWeasley · 01/01/2025 20:17

You fill in an expression of wish form and state the beneficiaries of your pay out in the event of your death. She isn’t “covered” as such.

I would make your child the sole beneficiary

It's not an expression of wish it's a trust form, expression of wish is for pensions.

ThatsCute · 01/01/2025 21:03

I don’t have any SC. However, I put DH as my beneficiary, as he would need to hire a nanny to cover the kids whilst he travels for work.

TheWonderhorse · 01/01/2025 21:06

I would base it on the amount you pay into the household pot/paying people to replace the duties you contribute to the household, as that is the money that you'd lose should one of you die. I don't see why you need to name anyone other than your partner, it's him who's going to be using it.

DinosaurMunch · 01/01/2025 21:17

Surely life insurance is to pay for household expenses if you no longer can due to death. So mortgage and bills. It's not meant to be an inheritance for young kids - it's meant to be for the remaining parent to keep the household running. If you die tomorrow and your child has to live in poverty for 18 years until old enough to get the payout that would completely miss the point of life insurance. So your partner should be the one to benefit and the amount should reflect what's left on the mortgage etc. You can leave your money to your own child in your will - that's a separate issue

Lostcat · 01/01/2025 21:24

DinosaurMunch · 01/01/2025 21:17

Surely life insurance is to pay for household expenses if you no longer can due to death. So mortgage and bills. It's not meant to be an inheritance for young kids - it's meant to be for the remaining parent to keep the household running. If you die tomorrow and your child has to live in poverty for 18 years until old enough to get the payout that would completely miss the point of life insurance. So your partner should be the one to benefit and the amount should reflect what's left on the mortgage etc. You can leave your money to your own child in your will - that's a separate issue

This is what I thought

Unexpectedlysinglemum · 01/01/2025 23:56

raindripp · 01/01/2025 20:11

Just say that your stepdaughter will be covered by his policy and her mums policy, you want to make sure your child has the same and is covered by his policy and yours?

If you died, your stepdaughter would still have both parents. Your child wouldn't, so not sure why your stepchild needs to benefit from your life insurance in any way.

This

TiredYetWired · 01/01/2025 23:58

Merryoldgoat · 01/01/2025 20:21

Why do women insist on having children with men who already have children and then act shocked the man wants to treat their child like, I don’t know, their child?

Yes this! You're not just in a relationship with the man.....why are people so horrible about step kids on here???