Joint Mortgage Life Insurance Joint mortgage protection for the home you share

Buying a home together? Joint mortgage life insurance covers you both on one policy and pays a lump sum on the first death, so the surviving partner can clear the mortgage and stay in the home. A broker will compare leading UK insurers and call you with tailored quotes.

Quick & Easy

No Obligation

Expert Brokers

SSL Encrypted

Quick & Easy

No Obligation

Expert Brokers

Step 1 of 8 13%

I'd like quotes for:*

Just me

Me and my partner

Trustpilot

Rated Excellent - Our brokers are rated excellent on Trustpilot with over 97,000 reviews***

Over 1 million families helped**

Why Couples Choose Joint Mortgage Protection

One joint life insurance policy for the mortgage you both signed.

Pays Out on the First Death

A joint policy pays a lump sum when the first of you dies during the term, giving the surviving partner the funds to clear the mortgage and keep the home.

One Policy, One Premium

Covering two people on a single policy usually costs less than two separate ones — one application, one monthly payment, both of you protected.

Cover That Tracks Your Mortgage

With a repayment mortgage, decreasing term cover reduces in line with your outstanding balance, so the cover you pay for stays in step with what you owe.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Joint Policy vs Two Single Policies

How couples mortgage life insurance compares with separate cover.

Feature	Joint Policy	Two Single Policies
Price	Usually cheaper — one premium covers you both	Usually costs more — two separate premiums
Payouts	Pays once, on the first death — the policy then ends	Can pay twice — each policy pays on its owner's death
If you separate	One shared policy — usually cannot be split	Each of you keeps your own policy

A broker will call to talk through which option suits you both.

Joint Mortgage Life Insurance FAQs

Common questions from couples protecting a mortgage together.

A joint policy pays a single lump sum on the first death during the term. The surviving partner can use it to clear the mortgage, and the policy then ends. If you want a payout on each death, two single policies may suit you better — a broker will call to talk it through.

Most joint policies cannot simply be split into two single ones, though some insurers offer a separation option that lets each partner arrange new cover. If you separate, it is worth reviewing your protection — a broker can compare options from leading UK insurers.

Usually, yes. One joint policy covering both of you typically costs less than two single policies, because it only ever pays out once. Two single policies cost more but can pay out twice, and each policy stays with its owner if you separate.

Decreasing term cover reduces in line with a repayment mortgage balance and is often the cheaper way to protect it. Level cover stays the same for the whole term, which suits interest-only mortgages or couples who want a lump sum left over for their family. A broker will call to compare both.