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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 216 7595 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.

Couple on a road trip

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.

Our joint life insurance benefits

✓ Affordable cover - Get discounted premiums when you add Optimiser to your plan. Plus, get active and you could keep your premiums lower
✓ A brand you can trust - In 2020, we paid out 99.6% 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.

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?

Call us on 01619742513 to speak to an adviser.

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Relevant guides and articles

  • Life insurance for couples

    How is joint life insurance different to single cover? Find out the answer to this question and learn all about whether this is the best option for you and your partner.

  • Life insurance for first time home owners

    If you've just bought your first property, life insurance could help keep your loved ones protected. Find out how life insurance works for first-time buyers, here.

  • Life insurance for young adults

    Getting life insurance as a young adult has its advantages. Read our guide to life insurance for young people to learn if it can benefit you.

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.
1 Vitality claims and benefits report August 2021