Joint life insurance
What is a joint life insurance policy?
A joint life insurance policy covers you and your other half under one policy.This means if you or your partner pass away, the other will get a lump sum. The money can be used for anything, like bills and mortgage repayments. This offers you both security in case something unexpected happens.
It’s also called partners life insurance, couples life insurance and first-to-die life insurance.
Why choose our joint life insurance?
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Cover from day one
You and your other half will be covered before your policy even begins.
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5 Star Defaqto rated joint life cover
Our cover is verified as a trusted product.
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Affordable cover
Get discounted premiums when you add Optimiser to your plan. Plus, get active and you could keep your premiums lower. Monthly fee may apply.
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Discounts and rewards
Get discounts on popular health and fitness brands and rewards for being active.
How is joint life insurance different from single life insurance?
If you and your partner buy a joint life insurance policy:
- It covers both you and your partner
- It pays out once
- The policy ends when one partner passes away
- It’s usually cheaper than two single life insurance policies.
If you and your partner buy two single life insurance policies:
- Each policy covers one person
- It pays out twice (once each policy)
- The other partner will still be covered even if one policy pays out
- It’s usually more expensive than joint life insurance.
Is it better to get joint or single life insurance?
Deciding between joint or single life insurance depends on your personal circumstances.
Joint life insurance is often cheaper and gives you the right amount of cover together as a couple. A joint policy considers both partner salaries and monthly outgoings.
You can call our expert advisers on 0808 271 8355. They'll talk you through your options and give you unbiased advice.
It only takes two minutes.
Get a life insurance quoteCall us on 0808 271 8355. Our team are on hand to answer your queries.
Get a callbackJoint life insurance FAQs
Helpful guides
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Life insurance for young adults
Find out why life insurance would benefit you as a young adult in our guide.