It says: I want you to prosper, not just today, but always. Whatever happens to us. When one of us steps back to care for a child, to hold the family together, to make space for the other's career, that's not something one of us quietly carries alone. We built it together. We should both keep building on it, together, no matter what. Our Separation Income Guarantee is how we make that promise real, not just felt. It lives quietly in the background of our life, always there, always current, and if we ever grow apart, it simply keeps its word. No negotiating. No asking. No one left wondering if the other still has their back. This is how two people who love each other plan for every version of the future, even the one they hope never comes.
When we promise to commit to someone else, that's a real, intimate contract between two people. Love isn't a static thing. It evolves, sometimes it feels drained, other times fulfilled. It grows and re-shapes itself. And sometimes it ends, despite our best efforts to keep it alive. But if it does end, that doesn't mean it never existed.
That love deserves to be honoured, and so does the sacrifice made in support of it. That's what a Separation Income Guarantee is for. It's a way of saying: I love you, and if we don't work out forever, I want us to share financially in what we built together. I want us both to be financially secure. I want us both to live with full hearts and full tummies.
This isn't about planning for an ending. It's about making sure you're both provided for, whatever happens.
Full numbers on The Caregiver's Cost. The short version:
We built a foundation together. Let's make sure the income we built, keeps flowing to both of us, the way we want it, no matter what happens.
If things ever end, neither of us has to ask the other for anything. No negotiating. No chasing. No waiting to find out if the other person will do the right thing. We already did the right thing, in advance, for each other.
Both your incomes move through ForBothOfUs, together, every month. Whatever happens, you'll always know it's on its way.
We plan for so much together. A home. A family. A future. But almost nobody plans for what happens to the income of the person who steps back to build that future with us. We understand life insurance. We understand income protection. We don't yet have anything that protects the choice one of us makes to put family first. A Separation Income Guarantee is that missing piece. It means the decision to become a primary caregiver never becomes a decision to risk your own financial future. That should be something we build together, on purpose, while we still can.
Read the case for institutions