A friend of my mothers is in her early ‘70s and is separated. He pays her maintenance, he’s generous according to her. They’ve been living apart for 40 years. The main reason.. according to her, life insurance and pension… I did say that if they did divorce matters like that would be covered but he’s a decade older than her and she says she’s not bothered now. Their kid is grown up. They’ve both made wills leaving everything to each other or their child.
Dunno what will happen if one of them needs nursing home care, she lives in marital home he owns a flat. Could be messy if they needed fair deal to cover costs maybe. Dunno. Maybe it’s simpler.