In the UK there is no such thing as a 'Common Law Wife', although people imagine there is. There are exemptions to inheritance tax for married couples and civil partners (only same sex couples can be civil partners), and other advantages, but if you are not legally tied together and there is no will you can be turned out of your home by some distant 'next of kin' . Not sure about pensions. It might depend on the scheme you are in. But there are laws which guarantee a widow or widower's rights. If you are committed to someone you might as well sort out the legalities.
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