I had a life insurance policy on my ex to cover the alimony. I had to pay for it but honestly felt better, because if he was paying I’d have to worry about whether he would let it lapse. Fortunately we already had a life insurance policy. You might have some difficulty getting a new insurance policy on your H if he’s drinking heavily - elevated liver enzymes may show up on blood work needed to get life insurance. If you havens current policy make sure payments are kept up.
It would also be a good idea to consider the possibility of him losing his job/dying when thinking about what to ask for. Keeping the house and getting part of the 401k might be better than getting alimony. You’d still have it even if he died. Alimony could be reduced if H became disabled ir unemployed.
