Married 25 years, 2 kids, he has a private pension I don’t, our life insurance is based on us being married…I’ve been disinherited by both parents as they remarried and so their new partners inherited, wondering if we can legally separate rather than divorce to avoid this happening to our kids? Or should we just informally separate and do nothing? For this reason I will never remarry and won’t be having any more children. He says he doesn’t want to either but obviously this could change. Also, he earns more than me, it might be that for me to get a mortgage it needs to be joint. Are there rules on a married couple living together? Splitting up was his decision not mine but I am relieved and can see that once we have decided how it’s going to work I will hopefully be more at peace. I do 99% childcare and he works away regularly/long hours.