If you and your partner live together but aren’t married, your life cover needs to reflect your legal reality. In Ireland, cohabiting couples can’t rely on joint life policies — and could face a major inheritance tax bill if something happens. In this short explainer, Stephen Masterson (Senior Paraplanner at FPMS) breaks down how a Life of Another policy works, and why it’s one of the most important steps you can take to protect your home and your partner.