Hello and thanks for your question.
Dealing with the question of your funeral costs first of all - I haven't been able to find a defintive answer to this - but my understanding is that the cost of your funeral should come out of your estate, ie paid out of YOUR total assets which you leave when you die. Many people take out insurance specifically to cover the cost of a funeral to avoid the risk that their estate will not cover the cost. Your husband will be treated as your next of kin on your death, so unless you've arranged in advance for someone else to organise you funeral, that task might fall to him - but he should be acting as the executor of your will and admistrator of your estate, so that the bills are paid from your estate, rather than from an account in his own name.I am a family lawyer, not a lawyer specialsing in wills and probate, so I strongly advise you to get some face-to-face legal advice from a lawyer who does specialise in this area about what you need to put in your will regarding the funeral and your estate generally, to avoid problems for loved ones after your death.
The Law Society can help you to find a local solicitor with this expertise:
or look in yell.com, or go by personal recommendation.
You might also like to think about how to avoid a very expensive funeral eg what about a green funeral? Here's a website I found that may have some useful information:-
With regard to your question about a pre-nup, short for a pre-nuptial settlement, I am not sure that it is approrpiate in your circumstances. It is usually used by VERY wealthy people, who agree before they marry that if they divorce, their assets will be divided between them as per the pre-nup. However, in the UK they are not legally-binding, and are very expensive to have drawn up. In addition, a pre-nup can only refer to the couple's own assets, and cannot change the legal position with regard to state benefits that either are eligible for.
With regards ***** ***** benefits, and your benefits, the position is as follows:
If you are living together as a couple, then any means-tested benefits will be paid at the rate for the couple - which is less than twice the single rate. It makes no difference whether you are married or not. Pension credit and income support are both means-tested, so will be affected if you start living together. The exact amount payable will depend on what other income you both have from non-means-tested sources eg his incapacity benefit, and your Dutch pension. The amount of savings you each have will also affect the outcome. You need to ask the Citizen's Advice Bureau to do the calculation. http://www.citizensadvice.org.uk/
Or you can try the calculator on this website:
I hope this helps and I wish you the best of luck.
Thanks and best wishes...