Depending on your will arrangements, if you had the investment in joint names, on death of one of you, it would go to the other. It's also only a 3 yr deal and you can't technically on sell it, but I'm sure you can transfer it to another.
But at the same time, don't get the idea that I'm trying to talk you into something.
If your current finance arrangements are working for you now, then maybe I wouldn't bother.
