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.
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.
Is it better to get joint or single life insurance?
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
✓ 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.
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.
Serious Illness Cover
If you're diagnosed with a serious illness we cover, you'll get a payout to help you while you recover.
Income protection insurance
Pays you a monthly income if you can't work due to serious illness or injury.
Mortgage protection insurance
Pay off the rest of your mortgage if you die or become terminally ill during the policy term.
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
Can I get joint life insurance if I'm not married?
Is joint life insurance cheaper than single life insurance?
What happens to joint life insurance after divorce?
Likewise if you're not married and split up, you can separate your plan into two single ones.
What is first-to-die life insurance?
1 Vitality claims and benefits report June 2020