We live in the UK. I have a job and pay into a company provided pension (with the company then paying in some extra). My wife left her job a couple of years ago and is now a 'house wife' aka stay-at-home-mum and will be for a while. She has a very small pension with her previous employer but doesn't have an income of her own. She's also therefore not paying National Insurance contributions. I'm sure there must be many, many people in this situation.
What is the best way to ensure she will have an equally safe retirement? I'm confident she will be okay if we stay together (we simply share my pension) or I die (she gets all / most / some of my pension). My concern is (not wanting to seem pessimistic and I don't think this is likely, I just want to cover all bases) what happens if we split up. Will she still be eligible for a share of my pension? If not, is it better to pay some of my income into a separate pension for her - the downside to that is losing the matching contributions from my employer.
Finally, I understand that not paying National Insurance could reduce the state pension she will get. Is that true? Should we may voluntary NI contributions on her behalf out of my salary?
Thanks in advance!