There's no guarantee, ever, of you getting your money back, even if they write you a letter guaranteeing it. You need security for the loan. Something of value you can take legal claim to if the loan is in default. When you get a mortgage, you sign papers, right? Those papers are meaningless except for the fact that in them, you are giving the lender the right to take your house if you don't pay. Right?

So, does your partner have anything to secure the loan with? If not, they can write anything you want. If anything happened to her, like she died, you could use that letter to make a claim against her estate for the money, but it's no guarantee of seeing a dime. Without a an object of physical security, unsecured loans come behind any type of secured debt. Her final final expenses must be paid first of all (burial, cremation etc), then any secured debt, other bills she left - student loans, car loans, utility bills, credit cards. You would come at the very end.

Write up a bill of sale and call out terms that the debt is a loan and due on demand at the discretion of the lender or the debt is due and payable by the borrowers estate in the case of their death, whichever comes first. Of course that wouldn't help you if she is broke when/if she dies but in that case you will be sh|t out of luck regardless of any agreement.

Regardless of "just in case", you need a letter or an agreement that states, I agree to repay back (X) amount, which validates that this is (not) a gift, but a loan.

But be advised, that there is no guarantee you will get repaid. Even if you go to court and sue them for this loan in writing, there would be no dispute, but most people don't understand, that many lawsuits are (never) paid, thus the courts award judgments, but don't collect.

You should never loan money to anyone, (unless) you understand that there is a possibility you may never get paid back. So, if you can (afford) to (give) this money to this friend go ahead, and if not, then say NO.

Do not send the money unless you do not want it back, because she will not return it, never lend money to anyone, it always ends in disaster.

Don't do it. A letter will NOT protect you. Guaranteed - you will not get it back. If you have already told her that you will send it, tell her that you inquired and cannot withdraw it from your investments. They are in a fixed contract for several years. Be vague - don't state just how many years. This woman needs to learn how to live within her means and deal with what she has created. Do not give her ANY money.

Do not do it. You will get screwed.

Is he a Nigerian prince?

LOL! You want reassurance that you'll ever see your cash again? Here it is: Don't send it in the first place.

Look I hate to be all pessimistic here but having worked in civil tort litigation for the past 14 years here's the 1 thing I've learned about a situation such as yours : There is no bond in the world that is worth more than money.

I've lost count of how many hundreds of times I've heard a client's : "Nothing will ever tear us apart, we love each other too much, we've known each other too long, they're my whole life"

At the office we call that "the before", and now here's "the after" - 'all rise, the honorable XXXXXX presiding'.

Do you know how many times I've personally witnessed the client proclaim "never in my life did I ever even imagine it could come to this"? And yet it does come to that, it always comes to that. The motives are different, the ending, the same.

9 times out of 10 people in your position go forward with it anyway, that's fine, it keeps us in business. But at least I told you while it's still the 'before'.

I can’t understand what you are proposing. Is this a loan or a gift or what? If you are asking about a contract where she pays you back if she stops loving you, that will never work.

Do you know them from real life? (not just from the Internet)

Where (what country are they living?