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Joint life insurance

Life insurance for couples from just £5 a month.

Top-rated life insurance tailored to you

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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?

Life insurance Spot

Cover from day one

You and your other half will be covered before your policy even begins.


Affordable cover

Get discounted premiums when you add Optimiser to your plan. Plus, get active and you could keep your premiums low. Monthly fee may apply.

Weekly rewards

Discounts and rewards

Get discounts on popular health and fitness brands and rewards for looking after your health.


Live with peace of mind

We paid 99.7% of life cover claims in 2023 (Vitality Claims and Benefits Report, 2024)

How joint and single life insurance are different

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 2 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.
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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.

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Want some help?

You can always get free advice from one of our qualified experts. Just call us on 0808 271 8355


Book a callback.

We’re more than happy to help you find you the right cover, at a price that works for you. No obligations, no hidden charges.

Joint life insurance FAQs