While most people don't expect that these applications often see the light of day, the truth is that they do. You cannot rely on the broker or anyone else who tells you not to worry about what the application states. In many situations, including divorce court, that application can end up costing you plenty.
Times have changed. In the not-too-distant past, prenuptial agreements were not for everyone. The vast majority of people got married without one. The general consensus was that such agreements were only for the 'rich and famous.' In today's climate, people are seemingly more sophisticated than in the past.