I've been married 10 years, we dated 5 years before we married each other. Before we married we did live like a "married couple", everything we owned was in both our names, we shared insurance and were listed as beneficiary on each others things. I always just called him "my man" or "other half". I never used boyfriend fiance or husband.
It doesn't bother me when unmarried people claim to be. But I know it bothers some.