Same-sex couple advice

I’m in a same-sex couple, so obviously we can’t get married here. Defacto also isn’t legally recognized for us afaik. I’m looking for advice on how to build our wealth together in a way that protects each partner in the unlikely event that we break up, or one of us passes away unexpectedly (we’re young but this is much more likely than breaking up). High income DINK family, registered on the same Setai in the ward office etc. Japanese partner is registered as the head of the household.

What kind of protections can we put in place for each other, besides wills? Are there any financial products for insurance, investment etc here that recognise same-sex partners? We have credit cards together where I am a family card holder (being the foreigner and they being Japanese, it’s much much easier for them to get the cards initially approved and then get a family card for me).

Any advice or suggestions welcome 🙏 Would love to also hear from other same-sex couples who are or have successfully navigated this complex issue already.

Not sure if relevant, but we are also looking to start a FIRE journey if we can work this administrative stuff out first…

by Mitsuka1