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Joint Life Insurance Get Your Free Quote

Joint Life Insurance Cover for couples

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Expert Brokers
Aviva
Legal And General
Zurich
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Joint Cover Options

One policy protecting both partners.

First Death

Pays out when the first partner dies. The most common type - ideal for mortgage protection.

Cost Effective

Typically cheaper than two separate policies. One premium covers both of you.

Second Death

Less common - pays out when the second partner dies. Often used for inheritance tax planning.

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How It Works

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

1

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.

2

Receive a Callback

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

3

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 vs Single Life Insurance

Which is right for you and your partner?

Feature Joint Policy Two Single Policies
Cost Cheaper — one policy More expensive — two policies
Payouts One payout on first death Two payouts — one per person
After a claim Policy ends, survivor uninsured Surviving partner still covered
Flexibility Cannot split if you separate Independent policies
Best for Couples on a budget Families with children, maximum protection

A broker will help you decide which option suits your circumstances.

Joint Life Insurance FAQs

Common questions about joint cover.

Joint life insurance covers two people under one policy. It pays out a lump sum on the first death, then the policy ends.
Yes, typically 20-30% cheaper than two separate policies. However, it only pays out once — after a claim, the surviving partner has no cover.
Joint policies cannot be split. You would need to cancel and take out separate policies, which may cost more if your health has changed since the original application.
If you have children, two single policies are usually better — both parents are covered even after one dies. If budget is tight and you just need mortgage cover, joint can work.

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A broker will call with joint life insurance quotes from leading UK insurers.

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