Tbh i'm not sure what to do yet, When i set up life insurance i certainly wont want it to be entrusted til they are 18 i know that much, Id want id say majority of it to be used for their upbringing , clothing, toys food & trips out etc. Im just wary about it not covering something & then that happening & they get diddly squat.
I want the life insurance to pay for the funeral 1st & anything left after that is to be shared equally between the boys. This would be in the will.

With the will thing i know they can be contested if you do not put reasons why you want such & such to happen, Neither of my boys have their bios on the birth cert & at the moment i would want both of them to go to my brother & his wife BUT they have 3 kids already & i actually feel they wouldn't like to have them so i need to ask about it as my mum would take josh but ive nobody for jax & i sure as hell aint splitting em up.
Jaxs dad at the moment still hasn't seen him so he wouldn't get jax either, Anything i own would be sold & given to the boys or their then guardian for them.

All this talk of wills & insurance has really upset me & i keep bursting into tears & hugging them both, I think its kicking in now i wont always be here ..oh god here i go again brb ...

hope your ok hun

I am not a single parent but I can answer you on the wills front. You can make your own and it is totally legal. There are some rules which makes it legal but hard to explain here. Pm me if you wanna know more it's on a word doc.
It seamsmpretty straight forward and it is what both I and kte will be doing. I paid for the info so it's not the usual bull you get from google.

can anyone answer a question for me ? I'm a bit daft when it comes to this stuff... but is there any way i can make sure that if anything happens to me, that my LO goes to my parents and not to him(my ex})...he is on the birth certificate tho .... thanks I worry about this so much as i know for a fact, he would try and take him/ his parents would stick their nose in ... he is a abso twat lol ! X

Just because he is named on the BC it doesn't mean he'll automatically go to FOB. Its one of the things I seeked legal advice about when trying to decide whether FOB was going on the BC or not.

The best thing to do is draw up a will stating who you would like him to go to if anything happened. The courts would look at the circumstances and decide what was best for the LO which wouldn't necessarily be FOB. Just mae sure that your wishes are clear. X

Big hugs Dizzy!

I cried when it first occured to me that i would have to do something to make sure Bella was looked after if i was no longer here. The thought of being apart from her makes my heart feel like it's bleeding, but putting a will together and setting up life insurance actually made me feel a little better. If i'm gone, she'll be without a mummy, but because of what i've done i know she will be in a loving family and she'll never want for anything with the amount of money i'm leaving her. As long as she's loved and is happy, then everythings alright, even if i'm not the one there for her.

Big hugs hun, whatever you decide to do will be the right thing. Plus, we are both a long long way off dying! I think Bella's going to be pretty pissed off when i get to 100 and i have great great grandkids i'm having to split all my money between!! Lol xxx

ok now im all teary about it too

Right i'm back again not so teary now ..

I'm going to enquire about seeing a solicitor next week so will report back n let you know x