Hello beejudge73, I'm so glad you now understand the complexities of these UKBA rules.
It's really so sad how they keep loved one apart.

As things stand right now, it's better that you do NOT follow through with any application until both you and your husband fully understand the UKBA requirements and have agreed a way to comply with them all.
Better safe than sorry.

I really think there's a lot of things to think carefully about. You and your husband should take some time to discuss how best to move forward.
It's not my intention to tell you how best to proceed, you both need to agree that. The only thing I can do is to help you understand the options you have and to show you where the best information is.

Please don't post any very personal details or actual amounts of money here. For the time being lets just keep the postings as general as we can.
If it gets to the point where it's essential to discuss actual amounts I will contact you by e-mail.

If you don't mind beejudge, here are some general questions that can help to guide us in the right direction:-

Does your husband have any employment?
Does your husband receive any pension income?
Does your husband receive any benefits?
Does your husband receive any regular income at all? If yes from which source?

For the time being please do NOT cash in any shares or endowment.