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I also think we should have some kind of insurance policy on each other, as I am concerned when one of us dies and the other will lose out on the partners ss income, unless we won't need it.

If you need it, then you should buy a term policy that meets your needs. Calculate well, as you might find that you won't need insurance. I'm usually against all types of life insurance, unless of course you have a real need for it. If the survivor would suffer an unacceptable reduction in lifestyle due to the death of the other, then that's exactly when you consider a good term policy. Good luck.
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