My Fiance will not have with me for about 8 months now because he doesn't want to cause an "accident" .

he does not want to wear a condom, and cannot use his insurance because it's a catholic affiliation like St. Francis. They also refuse to give him arefferal , it is against their policy. He cannot switch plans at this time because it is not allowed. It cost about 2,000. He also does not seem very enthused about and hesitated before. I cannot take birth control pills, I'm 45, it's too risky. Will our relationship survive. Am I supposed to live a life without or affection. In every other way he is a good, responsible, reliable man. He is also been very loyal to me so far. We have been together for 6 years.