Joint Life Insurance

If you're a couple looking for Life Insurance, you might wish to consider a Joint Life Insurance policy.

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Find a Joint Life Insurance policy

  • Look after your family
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  • Get Life Insurance advice

Joint Life Insurance

Joint Life Insurance plans are usually taken out when the death of either person will have a significant impact, particularly if there are dependents involved.

You also have the option of taking out two individual policies, however if you are looking to cut the costs of your life insurance then a Joint Life Insurance policy will usually be cheaper.The policy will cover two people for the same amount and length of time so it is useful to keep things simple.

One disadvantage of Joint Life Insurance is that the policy will only pay out for the first death. So if one partner dies and a payout is made, the policy will then become null and void.  If the living partner still requires insurance following this, they will need to take out a brand new policy.

If it is important to keep an insurance policy in place after the first partner has died, for example if there are still dependent children involved, then it may be sensible to consider single life insurance instead.

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