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Joint life insurance

Cover for you and your partner

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Life insurance for couples

As your relationship progresses, it is natural to share more financial responsibilities with your partner. Taking out a life insurance plan can give you peace of mind that these outgoings would be covered if you or your partner became seriously ill or died during the term.


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What is joint life insurance?

Joint life insurance includes both partners under one plan and will pay out when the first of the two partners dies (first to die basis). The plan would end and the remaining partner would not be insured.

What is single life insurance?

Single life insurance covers each partner separately and would pay out on result of each death individually.

Is single or joint life insurance better?

One benefit of joint life insurance is that it is often cheaper and takes into consideration both partners salaries, monthly outgoings and financial responsibilities to give you the right amount of cover as a couple. Taking out a joint plan instead of a single plan does however mean that it would only pay out once in result of death where as a single plan covers each individual separately. 

Which plan is right for you very much depends on your personal circumstances and whether you have any dependants. If you are still unsure of what type of cover would be best for you, you can call one of our advisers free of charge who will talk you through your options and give you unbiased advice.

Joint life insurance benefits

✓ Both members in the plan can choose from unique benefits such as our Later Life Options

✓ Our plans automatically include some cover for both partners while we are still assessing the application at no charge*

✓ You will have the opportunity to benefit from the Vitality active rewards programme as a couple - this means for some rewards partners you will need to generate fewer points overall compared to if you and your partner had separate plans

✓ You will have the option to split your plan in the event of divorce, dissolution of civil partnership*

✓ If there's a change of circumstances or you decide to have a family, we offer the ability to increase your cover without further underwriting*

*Available on the VitalityLife Plan

Why choose us?

Benefit from award-winning cover which rewards you for being healthy

  • A brand you can trust

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    99.8% of Life Cover claims paid in 20183

  • Discounts and rewards

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    Over £81 million given in Vitality benefits and rewards in 20184

  • Improve your health

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    Lower incidence of Life Cover claims in actively engaged members5

  • Free no-obligation advice

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    Our advisers are highly trained and offer free, expert advice

Cover options

Below are some of the award-winning cover options that we offer. You can tailor it to suit your needs as a couple so you can rest assured you have the right amount of cover.

Life Cover

Pays out a cash lump sum to your loved ones if you die. The amount would be agreed upon by you when setting up your plan so you can ensure your partner would have enough to cover your joint outgoings in the result of death.
Learn more

Serious Illness Cover

Our Comprehensive Serious Illness plan gives you cover for 182 conditions which is more than any critical illness cover on the market1.

In comparison to a typical Critical Illness plan:
  • We cover 182 conditions on our Comprehensive Serious Illness Cover and 153 on Primary Serious Illness Cover
  • That’s more conditions than any other provider1
  • We cover all heart attacks, all strokes and more cancers than any other insurer1
  • We payout based on how severe your condition is. You can claim more than once if you have cover left.
  • We also provide Later Life Care options – Dementia and FrailCare Cover and Dementia and FrailCare Cover Plus, along with benefits from SuperCarers.
    Learn more

    Income Protection Cover

    Pays you a monthly income if you can't work due to serious illness or injury.

    In 2018, 90% of Income Protection claims were for members under the age of 50, highlighting the importance of this for all ages6.

    Our 5-star Defaqto rated Income Protection also includes:
    • Financial support when you return to work, if you return with a reduced capacity and earn less than before you were off work.
    • An additional payment when you return to work to help you manage with any additional costs.
    Learn more

    Frequently asked questions

    What is first to die life insurance?

    First to die life insurance refers to joint life insurance plans, this means that there will be a payout when the first partner on the plan dies. After that point the plan will end and there will be no more payouts.

    Is joint life insurance cheaper than single life insurance?

    This completely depends on your individual circumstances but in most cases, joint life insurance will be cheaper than two single life insurance plans because it will only payout for one life instead of two.

    Can I get joint life insurance if I'm not married?

    Yes you can. Whether you are married, living together or sharing any financial responsibilities, life insurance would help you protect yourselves so one partner wouldn’t have to face the responsibility of making these payments alone.

    What happens to joint life insurance after divorce?

    Divorce is likely to change your personal circumstances so at VitalityLife we make it possible to split your joint life plan into two separate single life plans upon getting divorced or dissolving your civil partnership.

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    Monday to Thursday 9am-6pm, Friday 9am-5pm, Saturday 10am-2pm
    Sunday and bank holidays: Closed

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    Important information

    3Defaqto verified Competitor Comparisons, Nov 2019
    4With VitalityLife's Optimisers which are available at an additional monthly cost of £1.75 for Select or £4.50 for Full. Source: Vitality internal data, May 2019. Rewards, benefits and engagement in 2018 are based on VitalityLife and VitalityHealth members.
    5According to Vitality internal data (2018), over the past five years members who engaged in the Vitality Healthy Living Programme had a significantly lower incidence of Life Cover claims across all age groups when compared to those who did not engage.
    6Vitality member data (2018)