Hello Everyone, I have been a long watcher and have been reading a lot from this forum. I have a question on wills and insurances. So basically, I do have a PPOR, some IPs, married and with 4 small children. All properties have been bought in both names.50-50 ownership We do have sizeable debts with the properties we have as they have all been purchased in the last 10 years. I have discussed insurance and wills with my partner. However, my partner has different ideas to mine. My partner stated that they would rather leave their insurance money directly into the children's names rather than to pay for the houses, IPs, etc. or include me. In addition, my partner might want to add his siblings/parents to their inheritance as well (mainly insurance and super). My partner is a very secretive individual and I am anticipating some surprises in their will. I would rather assume that I am not in there and start planning likewise. For instance, i have no knowledge of their policy, how much they are covered etc. My concern is, assuming my partner passes away today, I do not want to be homeless with the kids and neither do I want to loose the PPOR, IPs especially if the bank will not lend me based on my salary ONLY. Personally, I have enough cover and I am sure that if I were to die, there will be enough money to cover for the properties as well as my children's funds. I would want the kids to remain in their home and not loose the IPs as well. Question to all: What options do I have? Is there a way to insure my partner in MY policy such that if they were to pass away, I would be paid out? That way, I will not worry about whether my partner would include me in their will or not? My income is fairly decent, have no debts besides the home loans. However , I do not think that my income itself is insufficient enough to keep the properties in my name However, my partner have some debts. Will their debts become mine once they pass away? I am also planning on expanding my portfolio as well once this covid-19 situation has died down, but I would want to know what I am getting into. I wouldn't worry about this if both of us were to live for the next 10 years as I am sure that the debts would be smaller, more super, more income etc. Thank you for your assistance.