Five Conversations to Have Before Walking Down the Aisle

Bank accounts are hardly romantic. But being on the same page money-wise can prevent a lot of disagreements in the future. It is not just about how much each person makes, but also how the income will be combined. It’s a given that the concept of conjugal property arises, but how this translates to everyday life is up to the couple. Some people prefer a person in charge of budgeting while others are more collaborative. There are many ways finances can be set up during a marriage so it helps to be clear about it.

It seems to be a very basic question: where will you live? But, living arrangements does not just refer to where the couple will go right after the wedding. It also involves long-term plans. Will it be a house or a condo? Will it be close to family, far away from them, or actually with them? Property, whether leased or purchased, is a huge financial commitment. Talking about plans where to settle down sets a goal for the couple to work toward.

The best time to talk about having kids is before having them. It is practically inevitable for a couple to face the issue after marriage—baby envy, relatives asking when they can expect one, or even parents excited to become grandparents. It can be a lot of pressure. One cannot simply assume that the other person wants to have kids. If kids are going to be in the picture, having an idea of how many and when to have them gives the couple a clear vision of their future.

“Leave and cleave” is a popular advice for newlyweds. It means that the couple should carve out their own lives, apart from their parents and siblings. However, it does not mean that they stop being family. In the Filipino culture especially, extended family members play very visible roles. Before getting married, brainstorm on ways to ensure that these relationships remain healthy while you focus on building a new life together. How will holidays be spent? Is there an expectation of financial support for parents or siblings? Marriage will change family dynamics, so it is best to be prepared.

Wedding vows specifically mention sickness and health. This is no accident. Before getting married, talk about each other’s state of health. Knowing health conditions or risks allows the couple to be there for each other as partners in prevention and care.

Openly talking about health also allows the couple to explore their options for their medical security. It is a gateway to talk about investing in plans like the Critical Care Plus, a health and life insurance plan that provides for healthcare needs in the future. Knowing family medical histories is also important because certain diseases run in the family. Being aware of these things gives the couple the opportunity to make wise investments in plans like the Critical Care Max, which includes critical illness coverage.

Both the Critical Care Plus and Critical Care Max are part of the BPI AIA Wellness Series. You can enjoy an upfront 20% additional life coverage and supplementary benefits by making healthy choices with AIA Vitality. Boost Vitality Status and get to receive up to 50% additional coverage on the succeeding years. Plus, avail discounts from a range of partners as a reward for living healthy.

To find out how couples can take the first step on living longer, healthier, and better, check the BPI AIA Wellness Series.