This is an interesting post. Have been married to second husband fourteen years. Together two before that. I bought our house and have more investments etc than husband.
We made our wills, each leaving everything to each other then to my four children. Husband has no children.
When I spoke to my financial advisor a few years ago he explained that the arrangements, including my will should change.
He pointed out that under the old will everything would go to my husband. However, if I die first and he inherits and then remarries my children could lose out completely. New wife could contest the will. Also if husband and new wife died together any children that she had could inherit. If he had a partner, not wife, she could also contest the will.
Now the house is back in my name alone, husband will live in it until he dies then it’s sold and money goes to my children. My investments, I take a small amount each month and if I die first husband will continue to have that amount but will not be able to use any capital. On his death everything goes to my children.
This has caused problems between us even though husband can see and understand the reasons and basically agrees it’s the correct thing to do. He will at some point inherit a third from his parents, will have his state pension, small private one and the amount from my investments so is well catered for.
For these reasons my brother in law will not marry his partner, he says it’s a monetary minefield and easier to keep things separate.