[TBH]

Wow, I should find out for sure about this. But I do know as unmarried folks we need extra life insurance because I'd have to pay taxes on all his assets, including his half of our jointly-owned house and his half of our joint bank accounts.

Before anybody asks, yes, we would get married if it was only a financial consideration. But we have ethical reasons for staying unmarried, and for not taking advantage of the fact that we live in a common law state. We would be common law married by now except that we're unwilling to be legally married at all. But this is too OT for this forum.