Protecting myself and my future as a farmers wife?

[DahliaBr]

Hoping someone can relate or offer some advice.

I am happily married to a farmer. We live in a house with our child and another on the way. Our house is owned by the farm and the farm is currently owned by my husband’s father.
My husband’s father who’s in his 60s still won’t let go of the farm and hand it over to my husband.
Recently my husband’s parents have become very toxic towards me. I feel they are not happy that I am pregnant again because it takes my husband away from the farm to take care of our children. They have openly attacked me over with their toxic opinion's about women having children. There has been a lot of negative behaviour towards which has made me feel very sad and insecure about my security here living on the farm. My husband protects me and supports me but my worry is what if something happened to my husband.
How would I protect myself and my children? I have become especially worried since they have become toxic towards me.
What rights do I have? Is there anything I can do to protect myself?

I literally own nothing or have anything to secure myself.

There’s lots of missing info here @DahliaBr

Before you married your DH, moved to the farm, had babies, what were your plans? How did you and your DH see the future panning out? Did you talk between you about it?

What size of farm is this? How much of a salary does your husband take? You don’t pay rent but equally you don’t own your house. Have you ever worked on the farm, did you ever expect to? Did you have any understanding of the farming lifestyle and the way inheritance etc works?

Does your husband have any siblings? how involved in the farming, decision making, etc is he?

Oh sorry I misread that.... But then the advice only changes slightly.

You should still have life assurance so your husband can continue working should Sthg happen to you.

Critical illness cover for you is not so important depending on how much the family would suffer financially should you be too ill to work or look after kids for 6 months. But it is important for your husband as the main breadwinner.

Cottage industry might work. Two friends of mine started businesses from their kitchen. One making natural deodorant, shampoo, etc and the other making beeswax products. They later expanded into an outbuilding on the family farm that was renovated and hired employees.

@Jopo12 Most self employed people find the premiums yet another expense! It’s not something many do and thats not the big issue here. It’s how the business is set up and how DH fits into it. DH earns a wage so he’s not self employed. I imagine the farming company employs him. He owns land. He can sell it and change careers. They do have options but OP needs DH to step up and sort out ownership and succession. Hes controlled by his parents.

There is a lot of missing info

@DahliaBr doesn’t know or doesn’t want to share.

Either way I very much doubt she’ll be back to clarify

@Dullhead A salary is usually paid by a company to a director. The Op said he has wages, so that assumes an employer. It doesn’t seem profit dependent as self employed drawings would be.

“I think we need to set up life insurance for him independently” - yes you should, the farm probably has nothing organised anyway

“and possibly write a will” - no possibly about it, it’s a definite must for everyone

“The only thing I can do is try and get my husband to help me with this and start saving some money for myself” - yes and if you can earn more for yourself too that would be good - I once had a colleague in an identical position to you but the husband wasn’t really on her side - the best thing she did was keep working, earning and becoming more qualified so she could eventually get rid of him, the PIL and stand on her own two feet.

“I wish I had a good about of money somewhere that I could use a backup but right now I have nothing.
It really scares me that his parents have all the power.” Yes that’s not a great position but you can only control what you can control so become laser focused on the insurance, the will he needs and saving as much as you can.

Did you mean to quote me?

I have not read the whole thread but posts like these are so common and so depressing. OP - you need a proper full time job and progress your career. Why would you put yourself in a situation where you have no assets of your own and little money??? I do not understand. No man would do that.