Three rings laying on top of one another

Pros and Cons of a Prenuptial Agreement

Weighing Your Options

The decision to get a prenuptial agreement put in place prior to a marriage can be an intimidating one. While it may seem as if those who get a prenup are giving up on their marriage before it even begins, having an agreement in place can actually provide several benefits. Here are several pros and cons to having a prenuptial agreement in place.

Pro: Protect What’s Important

A prenuptial agreement is designed to protect the assets that matter most to you. Many couples that go into marriage with a high number of assets or a large net worth often have prenups put in place because they can better control who would receive what asset in the event of a divorce. A prenuptial agreement offers greater protection for assets that you would like to maintain should the relationship end.

Pro: Protections for Children

One of the benefits of a prenuptial agreement is that children are often protected because of the document. In the event of a spouse’s untimely death, a prenuptial agreement allows for children to be the beneficiaries of certain assets. Such a provision can also benefit children from a previous marriage.

Pro: Better for Businesses

For those who might own a business, a prenuptial agreement is a great option to better protect those interests. Business assets can be included in prenuptial agreements, so should the marriage come to an end, you can breathe easier about the future of your business.

Pro: Prevent Debt From Transferring

Debt that is acquired during a marriage is often divided in a divorce, while debts that were acquired prior to a marriage are not up for distribution. Having a prenuptial agreement in place can protect you or your spouse from certain debts that accrue throughout the relationship.

For example, you may have an agreement that student debt accrued due to one spouse going back to school is their responsibility should you divorce. A prenuptial agreement solidifies that agreement and prevents you from sharing some of that debt with the other spouse.

Con: Wondering if the Marriage Will Last

One of the drawbacks to a prenuptial agreement is the air of uncertainty that forms around the marriage. One of the schools of thought, as it relates to prenups, is that having one in place means someone isn’t certain that the relationship will last as long as the vows claim. For some, having this type of agreement made prior to the marriage could cause someone to wonder whether or not a member of the relationship is in it for the long haul.

Con: Ruins the Romance

Getting an agreement that dictates how assets will be divided in the event that a marriage dissolves is hardly anyone’s idea of romance. This sentiment is shared by many; several people believe that a prenuptial agreement can damage the romantic side of a relationship.

Con: Creates a Sense of Distrust

Creating a prenuptial agreement is not an easy task. Discussions about finances and assets must take place, and those discussions can be filled with tension and hurt feelings. You and your spouse might not agree on how certain assets should be divided in the event of a divorce, and these disagreements can lead to feelings of mistrust.

For some, a prenuptial agreement could also cause feelings of distrust as it relates to the assets. One may wonder why the other spouse would go to such lengths to protect an asset.

These feelings have the potential to derail the marriage sooner than expected.

Ask an Attorney If a Prenuptial Agreement is Right For You

Determining whether or not a prenuptial agreement is right for you can be challenging and somewhat overwhelming. It is important to consider speaking to an attorney who understands how prenuptial agreements work and who can guide you through making the decision that is best for you and your unique situation.


At Schipani, Norman & McLain, P.A., we understand that big decisions take thought, which is why we want to help. To speak with a member of our team, contact us at (941) 499-8154 or visit us online.

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