Joint life insurance

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Joint life insurance

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 (commonly called 'first to die') 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.  

If you're not sure how much cover you need, take a look at our life insurance calculator, or read our handy guide.

For more information on the differences between joint life insurance and individual policies, read our guide.

Why compare joint life insurance from

When you apply through us, your application will be processed by our partner, Direct Life & Pension Services Ltd.  You'll be assigned a dedicated case handler who'll liaise directly with your chosen insurer, keep you updated on the progress of your application and advise you on acceptance.

  • 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 523 respondents, 94.5% said they would recommend to a friend (November - January 2015).

Don’t know how much life cover you need? This handy tool can point you in the right direction.

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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.