Facts about cohabiting couples and life insurance in the UK

  • According to the latest bulletin from the Office of National Statistics shows that the number of cohabiting couple families in the UK has doubled from 1.5 million in 1996 to 3.3 million in 2016.
  • The recent changes that have been made to the law have made it easier to claim the property of a spouse or civil partner. Unfortunately, unmarried, cohabiting couples have not been provided with any more rights to a partner’s estate in the event of death, this, in turn, leaves many people and families in trouble.
  • New research from Direct Line Life Insurance shows that more than a third of cohabiting couples don’t realize or know their legal rights in the event of their partner’s death.
  • One out of 10 believes they would automatically inherit their partner’s share of the property, But, it applies to only those cases where a will specifies this condition.
  • Many cohabiting couples believe that they would automatically inherit their partner’s property, pension, and money if they died. Sadly, this is not the case. The Citizen’s Advice Bureau warns:
  • The legal right as a married couple and cohabiting couple varies, cohabiting couples get limited rights.
  • The term ‘common law marriage’ leads to confusion, with 47% of the British public believing that there are equal rights to cohabiting couples as a marriage It isn’t true. This term is utilized to describe couples who live together but it has no legal recognition, it doesn’t matter how many years you have been sharing the home or other property.

Get more details from experts

If you want to know more about the rights of a cohabiting partner, get in touch with our life insurance experts, they will provide you with the right details.

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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