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Joint life insurance

Cover for you and your other half from just £8 a month.


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Life insurance for couples

Whether you’re married, or living together, sharing your finances with your partner is a natural step. And taking out a joint life insurance policy offers you both security if the worst happens.

How much joint life insurance do you and your partner need?
Call us on 0161 974 2517 to speak to an expert adviser, or get a joint life insurance quote.

What is a joint life insurance policy?

Joint life insurance is a policy where both partners are under one plan. You or your partner receive a payout when one becomes terminally ill or dies. When the policy pays out, the cover ends and the remaining partner is no longer covered.

How is joint life insurance different from single life insurance?

Single life insurance covers one person rather than two people under one plan. This means both partners are covered individually and both policies pay out.

Our joint life insurance benefits

✓ Get a discount on your premiums when you add Optimiser to your plan - Up to 30% off when you choose term life insurance, and up 40% off when you choose whole of life insurance
✓ A brand you can trust - In 2019, we paid out 99.5% of life insurance claims1
✓ Award-winning insurance - 5-star Defaqto rated cover
✓ Free no-obligation advice - Get expert advice from our team of advisers
✓ Cover from day one - Get cover for both partners while we're assessing your application at no charge
✓ Option to split your plan - You’ll have the option to split your plan if you separate or divorce
✓ Adapt your cover in the future - If your situation changes, you can increase your cover without further underwriting. For example, if you have children, you can increase your cover amount.
 

Is it better to get joint or single life insurance? 

The plan that is right for you depends on your personal circumstances. 

Joint life insurance is often cheaper and gives you the right amount of cover as a couple. It considers both partner salaries, monthly outgoings and financial responsibilities.

Having a joint plan does mean it would only pay out once if one of you become ill or died. 

Still unsure what type of cover is best for you? You can call one of expert advisers free of charge on 0161 974 2517 They'll talk you through your options and give you unbiased advice.
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Joint life insurance options

Below are some of the award-winning cover options we offer. You can choose one or combine them to suits your needs.

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All it takes is a couple of minutes.

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How much cover do I need?

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Joint life insurance FAQs

Yes, you can. You don't need to be married to take out a joint policy.
This depends on your individual circumstances. In most cases, joint life insurance will be cheaper than two single life insurance plans. This is because it will only pay out for one life instead of two.
If you divorce, you can split your plan into two single life plans.

Likewise if you're not married and split up, you can separate your plan into two single ones.
 
First-to-die life insurance is another name for joint life insurance. It means that there will be a payout when the first partner on the plan dies, and after this the plan will end.
Source
1 Vitality claims and benefits report June 2020