AIBU to want to make direct provision for my 3 children in my will. My 3 children are form first marriage and all adult now although 2 still live at home in loft conversion.
My 2nd husband of 13 years and I have our home (6 bed) with small mortgage but if one dies paid off by life insurance + 3 BTL properties 2 are also covered by life insurance, and 2 French houses with no mortgage (property is much cheaper in France) that I paid about 70% of and in addition I also have 2 more BTL properties in my name that I bought with inheritance from my own DM. My husbands parents are still both alive and well but one day he will inherit jointly with brother from them.
I have been thinking about making a will. I know I should have done this before but never got around to it. My husband says he does not need to make one because I will inherit his share of everything if anything happens to him and I can give kids some if I wish. He will leave it up to me. I suggested to DH that I thought I should leave my 3 DC my 2 BTL properties to be split between them and £10000 each from my estate. He was horrified and said it is like I don't trust him to provide for my DC after I am gone. He seemed quite shocked and upset.
He has said If I die before him he is leaving everything he has to my 3 DC and 1 DGC. He does not have any biological DC of his own but has helped me raise my youngest from 7 years.
I don't want to upset my DH as very happy together but I do think as a Mum I should make some provision for my DC and DGC if I were to die first.
My DH and I help out my DC whenever we can and he is always very generous with them and DGC and he treats them as his own.
I think DC would expect some inheritance if I die first but none of them have mentioned anything.
I just don't want to upset any of them but think there is plenty to share between them. AIBU to want to make specific provision for them or should I leave all to DH and let him share out with children if I die first?
Also under French Law I think DC automatically will get a share in house but I obviously want DH to have full use of it for his lifetime just in case they wished to sell.
I am really quite worried about it all. Can anyone offer advice please?
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