Planning Without 'I Do': What Every Unmarried Couple Should Know

Love doesn’t always come with automatic legal protections. In Michigan and many other states, laws generally place blood relatives first—leaving life partners at risk when there’s no formal estate plan. Without the proper legal documents, your partner could be shut out of vital decisions and even excluded from your legacy.

If you’re in a committed relationship but aren’t legally married, creating an estate plan is one of the most important ways to look out for each other. Here’s what every unmarried couple should have in place:

Last Will and Testament

Without a will, state law determines who inherits your assets—and unmarried partners don’t make the list. A will ensures your partner receives what you want them to have.

Revocable Living Trust

A trust helps avoid probate, keeps your affairs private, and allows for a smooth, direct transfer of assets to your partner.

Durable Financial Power of Attorney

This allows your partner to handle your finances—pay bills, manage accounts, or make business decisions—if you’re ever unable to do so yourself.

Medical Power of Attorney

Hospitals look to next of kin for health decisions. A medical POA ensures your partner can legally step in when it matters most.

HIPAA Authorization

Even with a medical POA, your partner may be denied access to your health information without this document. A HIPAA release keeps them informed and empowered.

Beneficiary Designations

Accounts like 401(k)s, IRAs, and life insurance policies pass outside of your will—so it’s essential to update these designations to reflect your partner if you want them to benefit.

Make Sure the Law Doesn’t Leave Love Behind

You don’t need to be married to build a life together, or to protect what you’ve built. But without proper planning, the law won’t automatically recognize your relationship.

Getting these documents in place means fewer legal headaches and more peace of mind for both of you.

Let’s Make It Official Without the Marriage License

Whether you’re in a long-term partnership or just starting to build a life together, we can help you put the proper protections in place. Let love, not just the law, guide your future.