Joint Life: Which door will you choose?

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You have two doors open to you

Joint life cover polices are very common - it's thought that approximately 40% of all life policies are joint.

As a couple, you can take out joint term cover in both your names, with the policy paying out if either of you die during the agreed term. One policy provides coverage for you both.

The amount of cover will be the same for both of you. That means the policy pays the same amount if the worst should happen to either of you.

However this is only suitable if both of you need the same level of cover. Also, a joint policy ends after a claim. The survivor would have to apply for a new policy if they wished to continue their life cover.

Joint life cover isn't your only option

Interestingly, the price of joint life insurance is often only marginally less expensive, if at all, than two single policies with the same sum assured for each one.

Two single policies versus joint

If you take out two separate policies instead of a joint one, the survivor’s own policy is still active, even though the deceased’s policy has paid a claim.

Additionally, if the unthinkable were to happen and both of you died, your dependents would get twice the pay out. Further more, the amount of cover can be different for each of you.

Which is best for you?

You'll need to find out about both options to make an informed decision.

You can receive these comparisons for FREE. Contact a professional Independent Financial Adviser now by completing our quick, confidential enquiry on the left.

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: Free comparisons with absolutely no-obligation A no pressure "just looking" enquiry

You will have no commitment to proceed once you have pushed the submit button.

Press the send request button now to discover the shocking differences between the cover currently on the market...

Which one's best for you? 

How much Approximately will do

You can always change this later on. Below £10,000£10,000 to £20,000£20,000 to £30,000£30,000 to £40,000£40,000 to £50,000£50,000 to £60,000£60,000 to £70,000£70,000 to £80,000£80,000 to £90,000£90,000 to £100,000£100,000 to £110,000£110,000 to £120,000£120,000 to £130,000£130,000 to £140,000£140,000 to £150,000£150,000 to £160,000£160,000 to £170,000£170,000 to £180,000£180,000 to £190,000£190,000 to £200,000£200,000 to £210,000£210,000 to £220,000£220,000 to £230,000£230,000 to £240,000£240,000 to £250,000£250,000 to £260,000£260,000 to £270,000£270,000 to £280,000£280,000 to £290,000£290,000 to £300,000£300,000 to £310,000£310,000 to £320,000£320,000 to £330,000£330,000 to £340,000£340,000 to £350,000£350,000 to £360,000£360,000 to £370,000£370,000 to £380,000£380,000 to £390,000£390,000 to £400,000£400,000 to £410,000£410,000 to £420,000£420,000 to £430,000£430,000 to £440,000£440,000 to £450,000£450,000 to £460,000£460,000 to £470,000£470,000 to £480,000£480,000 to £490,000£490,000 to £500,000£500,000 to £510,000£510,000 to £520,000£520,000 to £530,000£530,000 to £540,000£540,000 to £550,000£550,000 to £560,000£560,000 to £570,000£570,000 to £580,000£580,000 to £590,000£590,000 to £600,000£600,000 to £610,000£610,000 to £620,000£620,000 to £630,000£630,000 to £640,000£640,000 to £650,000£650,000 to £660,000£660,000 to £670,000£670,000 to £680,000£680,000 to £690,000£690,000 to £700,000£700,000 to £710,000£710,000 to £720,000£720,000 to £730,000£730,000 to £740,000£740,000 to £750,000£750,000 to £760,000£760,000 to £770,000£770,000 to £780,000£780,000 to £790,000£790,000 to £800,000£800,000 to £810,000£810,000 to £820,000£820,000 to £830,000£830,000 to £840,000£840,000 to £850,000£850,000 to £860,000£860,000 to £870,000£870,000 to £880,000£880,000 to £890,000£890,000 to £900,000£900,000 to £910,000£910,000 to £920,000£920,000 to £930,000£930,000 to £940,000£940,000 to £950,000£950,000 to £960,000£960,000 to £970,000£970,000 to £980,000£980,000 to £990,000£990,000 to £1,000,000Over £1,000,000Unsure;

Comparisons for Which to choose?

Select "Me and my partner" to request comparison quotes for both of you. If you're not sure if you want 2 life policies or a joint one, this is the one to select.

If you want a policy for just yourself then that's OK, we can still give you comparisons on single policies - select "One single Policy". Me and my partnerOne single PolicySomeone else

Also critical illness costs Critical Illness Cover

Please let us know if you would like costs for critical illness cover - there is absolutely no obligation or pressure to proceed.

Critical illness cover is a long-term insurance policy. It's designed to pay you a lump sum on diagnosis of a range of seriously incapacitating or life threatening conditions such as loss of limbs, heart attack, stroke, cancer and blindness.

Ask your advisor for full details of which conditions are included. Life Cover & Critical IllnessLife Cover Only
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