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Family Resilience · Authority Guide

Divorce-Proofing Family Resilience

Divorce is a top-three resilience event. Pre-positioning insurance, titling, and credit limits damage to both households.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Divorce is a top-three resilience event. Pre-positioning insurance, titling, and credit limits damage to both households.

  • Independent credit history per spouse
  • Separate life coverage that survives the split
  • Beneficiary updates within 30 days of decree

Key takeaways

  • Independent credit history per spouse
  • Separate life coverage that survives the split
  • Beneficiary updates within 30 days of decree
  • Custody-aware childcare coverage

Key strategies

  1. Strategy 1

    Independent credit history per spouse

  2. Strategy 2

    Separate life coverage that survives the split

  3. Strategy 3

    Beneficiary updates within 30 days of decree

  4. Strategy 4

    Custody-aware childcare coverage

Pro-tips checklist

  • Update everything within 30 days
  • Re-run HRI for both new households

FAQ

Should we hold joint life insurance?

Individual policies survive divorce; joint policies often need to be cancelled and re-bought.