Every couple begins life together with the hope to live happily ever after but the number of married people in America is declining. In 1960, 72% of adult Americans were married. By 2012 that number had declined to 51% or just half of the population. Divorce, death, or severe disability can suddenly change your status from a partnership to a solo project.

Here are three steps to take right now that may make a difference if you find yourself suddenly single:

1.  Safeguard and copy important documents such as your passport, social security card, insurance policies, and other account information. Make sure that each partner has copies.
2. Review life insurance policies. Have you addressed the education of children and other needs in the event of your spouse’s death?
3. Make sure that both partners understand the investment accounts that are earmarked for retirement years.

These few simple steps can make all the difference when the unexpected happens. Take a few moments today to prepare to live happily ever after no matter what the future may hold.