Gay married couples need to be especially careful when naming their spouse beneficiary of an annuity. Since insurance is state-regulated, 'same-sex couples today should not assume a spousal benefit [known as a 'spousal lifetime income benefit rider'] will work, ' says Ms. Kylen, who recently married her partner of 20 years. 'It would be best to have it in writing or to see same-sex language in your document just to cross your T's.'

同性夫妇在指定配偶作为年金保险受益人时需要特别留意。最近与其相处了20年的同性伴侣完婚的凯伦指出，在美国，保险业的监管职责是由各州承担的，“因此在目前，同性夫妇不能想当然地认为配偶津贴（即‘配偶终生收入给付附加条款’）政策对他们也有效。审慎起见，最好以书面形式写入文件，或者确保有关文件中有对‘同性’进行说明的条款”。

Consider a prenuptial

考虑婚前协议

If neither you nor your partner is equipped to talk about financial matters, enlist the help of a close friend, relative, financial adviser or lawyer, says Mr. Eisenberg.

如果两位准新人都不擅长讨论财务问题，艾森伯格建议可以向某位亲近的朋友、亲戚、财务顾问或律师求助。

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