Some states, like California allow anyone to be your beneficiary. Ask an Insurance Advisor for help in this area. Not necessarily true. Your state may have high-risk pools designed to help individuals who are otherwise uninsurable. Not necessarily true.
Some insurance companies issue policies known as graded death benefit insurance.
These policies can be used by people in a high risk category, such as living with cancer, AIDS, heart disease, or other terminal illnesses. Ask an Insurance Advisor for help in this area. We don't have to worry about who will handle the money and take care of our children if one partner dies. If you die without a will or trust, state intestacy laws will determine how your property is distributed. These laws do not recognize lesbian and gay relationships.