Is life difficult for unmarried people
Unmarried and happy: safeguarding in a wild marriage
More and more couples in Germany are living together unmarried. The Federal Statistical Office counts around 2.8 million unmarried partnerships. Every third couple has children living in the same household. In everyday life, she only distinguishes the lack of a marriage certificate from couples who have officially married. But once something happens, it can quickly become difficult. Unmarried partners are legally considered to be strangers - even if they have lived happily together for 30 years or more. We show you what to look out for.
The partnership agreement
Unromantic, but important: with a partnership agreement, unmarried people can regulate what should happen in the event of separation, for example with the jointly financed house, the pet or the joint purchases. Even more important are the rights vis-à-vis others, which can be regulated here, for example after an accident or in the event of illness or death: Powers of attorney such as the right to information for doctors are elementary if one of the two is unavailable in the hospital.
Because there is no right of inheritance and no right to care for death, these points should also be contractually regulated. You can also determine here what should happen to the digital estate, such as the deceased partner's Facebook profile. The following applies: an oral agreement is not enough, it needs to be in writing. In the case of really “big” issues (such as the shared property), certification by a notary is even recommended.
If one spouse dies, the other receives a survivor's pension. If a person dies in a wild marriage, the partner gets nothing. There is term life insurance (RLV) so that the death of a loved one does not also threaten one's existence. In the event of death, it secures the beneficiary the necessary money to be able to pay off joint purchases (for example the joint apartment).
Another important, often underestimated point is the high funeral costs in Germany. For tax reasons, the "cross-risk life insurance" is particularly suitable for unmarried people. Here, one partner insures the life of the other - and vice versa. Since the partners are both contributors and policyholders for each other, you financed the survivor protection yourself. The positive result: the sum insured is not considered a taxable inheritance, but is 100 percent net.
And something else is important, for example when you don't get along with your legal heirs. Because the sum insured is not considered an inheritance, no compulsory portions of it flow to the relatives.
What to do when there are children
Responsibility increases immensely, especially with smaller children in the household. Term life insurance is a must with them at the latest, in order to be able to continue to finance education in the event of the death of a parent, for example.
Unmarried couples should therefore insist on the so-called reinsurance guarantee without further health examination when taking out a RLV. It enables the sum insured to be increased in the event of certain events. This makes sense because, for example, building a house, the birth of another child or a jump in salary can increase financial needs.
In principle, the following applies as a guideline: plan three to five times the gross annual income as the necessary payment amount. You can easily and non-bindingly calculate how high the coverage should be in your case.
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