Skip navigation

Joint life insurance

Compare joint life insurance policies with

  • Unsure whether joint life insurance or a single policy is right for you? Read more here
  • Deciding if you'd prefer level or decreasing cover? We've written a guide to help explain the difference
  • A joint policy pays out when the first person dies - after which the policy will lapse

A selection of our trusted life insurance providers

See all our trusted life insurance providers

What is joint life insurance?

As its name suggests, joint life insurance cover is one that insures two lives. It pays out when the first person dies within the term of the policy and at that point, the policy will then lapse. Cover for both lives can also be arranged by having individual policies.

If you only need one payout joint cover may be the best option as it tends to be cheaper than buying two separate policies. However, it must be remembered that in the event that one of the policyholders passes on, then the survivor will be left uninsured.

In addition, taking out two separate policies (which may not necessarily be that much more expensive) would be easier to administer in the event of separation or divorce.

The Reality

According to the Office for National Statistics information on registered deaths in England and Wales in 2011, married couples in their 50s are up to four times more likely to pass away than their married counterparts in their early 40s.  So making sure you have sufficient protection in place for the both of you for an appropriate term is important.

Male deaths 2011

Female deaths 2011

For more information on the differences between joint life insurance and individual policies, feel free to have a read of our guide.

Useful tools and guides

We've also researched and written lots of guides and tools to help you try to find the policy that suits you best, here are some guides you might find useful.

Male avatar Quick, easy to use and saved me money!

Adam Hitchings Jun 2013

Female avatar Easy to navigate and find a good deal.

Carole Daily Nov 2013

Male avatar Saved money, hassle-free service, very satisfied!

William Hardy Sep 2013

Male avatar The usual excellent service, why go elsewhere?

Colin Denton Jun 2013

Male avatar A very easy to use service, and I saved money as well.

Colin Owen Jun 2013

Male avatar Easiest website to use, couple of clicks each year and it's job done.

Daniel Johnson Jun 2013

Female avatar Very fast, good and helpful quotes. Thank you.

Gail Dewar Sep 2013

George Marsh Very good cover at an excellent price, we are very pleased.

George Marsh May 2013

Male avatar Only one thing to say, brill I saved money.

Gerald McGarry Jun 2013

Female avatar I found the site easy to find and easy to use.

Gillian Hill Nov 2013

Male avatar Very easy process. Easy to compare cover and get the best deal at the best price in the least time. What more can you ask for?

Graham Haveron Nov 2013

Female avatar It was very easy to buy with Yes I saved both time and money.

Jayne Shaw Sep 2013

Female avatar Very quick and easy. Also saved me money.

Julie Pescod Dec 2013

grey avatar silhouette of person Very easy site to use. Would use again next year.

Leslie England Nov 2013

Female avatar My experience with was very efficient and we saved money by changing insurers.

Lissa Wildblood Dec 2013

Male avatar Quick and easy, no pressure.

Mark Ayre Sep 2013

Male avatar Excellent site, so easy to use and saved me money, many thanks.

Michael Low Jun 2013

Male avatar Excellent experience using Helped me save money and I was able to clearly compare between other insurers.

Mohammed Shafiq Jun 2013

Male avatar Easy to use, results are instant, everything I need in a comparison site. Well done!

Norman Owens Sep 2013

Female avatar Very good service.

Sara Collins Sep 2013

Male avatar Very good site, easy to use, found what I needed very quick.

William Hardy Nov 2013

Looking for a different type of life cover?

Mortgage life insurance

Mortgage life insurance

Cover that helps pay an outstanding repayment mortgage in the event of death

Over 50s life insurance

Over 50s life insurance

Guaranteed acceptance without a medical for ages 50-80

Critical illness insurance

life icon

Get cover for many serious illnesses, including some types of cancer

See all of our other life insurance policies

Why compare joint life insurance from compare some of the leading life insurance providers from the market to bring you our best prices in a quick and timely manner. Your results will be ordered by price, with the lowest price being at the top of the list, you'll see a summary of what each provider is offering you as well.

  • Our online comparison is free to use
  • Jargon-free quotes with a simple application form
  • First UK insurance price comparison site
  • 9 out of 10 customers would recommend us to a friend*

** Research conducted by Out of 945 respondents, 97.88% said they would recommend to a friend (July - October 2014).

Confused Life is arranged and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registered in England and Wales No 2467691.