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Legal, financial and "what if" planning: 9 decisions to make together

Wills, guardianship, insurance and the contingencies nobody likes to plan for.

  1. 1. Will and guardian nomination

    A will states who gets your property, and where you name a guardian, the person who would legally raise your child if both of you died.

    4 options · Your call · During pregnancy

  2. 2. Life and disability insurance, beneficiaries, emergency fund

    Protecting your family's finances if a parent dies or cannot work: life and disability insurance, who is named to receive the money, and an emergency savings fund.

    3 options · Your call · During pregnancy

  3. 3. Prematurity, NICU and birth complications

    Preparing for a baby who arrives early or needs intensive care.

    3 options · Your call · During pregnancy

  4. 4. Pregnancy loss

    Talking before it happens about how you would each want to grieve and whom you would tell if a pregnancy ended in miscarriage or stillbirth.

    2 options · Evidence leans one way · During pregnancy

  5. 5. Special needs, disability and neurodivergence

    Talking about how you would handle having a child with a disability or a developmental difference such as autism or ADHD, including work, care and schooling.

    3 options · Your call · During pregnancy

  6. 6. If the child is not who we expected (temperament, interests, ability, gender expression)

    Talking about how you would respond if your child turns out different from what you imagined in personality, interests, abilities or gender expression.

    3 options · Your call · During pregnancy

  7. 7. Major life disruptions (job loss, serious illness, death of a parent, ageing grandparents, moving)

    How you would handle big setbacks and changes while raising a child: broad principles or specific plans.

    3 options · Your call · Ongoing

  8. 8. Travel consent, passports and relocation

    How you handle taking your child abroad, getting passports and moving away: either parent freely, notice and itineraries, or joint consent.

    3 options · Your call · 0–6 months

  9. 9. If we separate

    Agreeing in advance on the principles you would follow if you ever separated, such as putting your child first and using mediation before court, and whether to write them down.

    3 options · Your call · Ongoing