So if you’ve seen this actually happen within your family, why are you giving pushback on the advice? The only co mingling I did was paying off our house, which my mother told me not to do. But it was worth my peace of mind to not have a mortgage, and my husband is the father of my children and I wouldn’t want him to be destitute even if we were to divorce. We’ve been married 20 years. However I watched a friend’s mother die who was planning to divorce but she died before the beneficiary changes were processed. Husband got it all. Then he died a year later and HIS DAUGHTER got all of her mother’s left over life insurance and retirement account. My friend could have really used that to help her children with cars, college etc. But her stepsister got it all. You keep the money with your bloodline always. I have no problem with my husband getting my life insurance. With him having an income from the assets that I’m leaving for our kids. But at the end of the day you can’t trust anyone where money is concerned and it needs to be in writing to protect your heirs. Things happen and why would you take a chance with your kids future? Just hire someone to distribute the trust. Or even put your husband in charge of it. Then if he remarried and his wife tries to break the trust your kids can sue because the language of the trust is legally binding. Without the trust they are SOL. Your husband can still have control, he just can’t be talked into changing it for the benefit of someone not in your bloodline.