'you seem overly-concerned about life assurance, death, pensions, separation etc. Carpe diem!'
You can't really be overly concerned about these issues. Women are extremely vulnerable and often very ignorant about financial issues as this post shows yet sadly they're more likely to live longer and in poverty than men. If you live until you're 90 then that's 25 years on a state pension. That's not a happy end to your life!
If you start thinking about your pension at age 40+ having spent a considerable portion of your working life earning nothing and your partner has made no provision for you then this is really very late to do much about it.
This stuff should be taught in schools to everybody but particularly to women who are more likely to live in poverty than men so they can make informed choices.
'Women are twice as likely than men to live in poverty during their retirement, according to Age Concern, with women receiving an average of £124 per month less than men. The result is that about 1.4 million female pensioners are living in poverty. '
www.timesonline.co.uk/tol/money/reader_guides/article6805408.ece
'Figures from the Scottish Widows UK Pensions Report, published today, reveal that the gender gap between male and female pension savers has increased since 2008, with 59 per cent of men on track for a comfortable retirement, compared with just 47 per cent of women.
Although the amount of people saving adequately for their pension pots rose to 54 per cent ? up 6 per cent from the lows of 2006 ? the over 50s are most likely to have cut their savings in the last year.
Indeed, the number of women aged 50 and over who said they are not saving at all for retirement has increased from 14 per cent to 22 per cent.'
www.timesonline.co.uk/tol/money/pensions/article6609635.ece
www.thisismoney.co.uk/pensions/article.html?in_article_id=522760&in_page_id=6