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Joint life insurance

Compare joint life insurance policies with Confused.com


  • Cover for you and one other, whether that's your partner or a friend you're buying a house with 
  • Pays out upon first death - then the policy will lapse
  • Typically taken out in line with a mortgage, or as protection for your family


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.

Jargon Buster - life insurance terms explained

  • Sum assured/cover - this is the amount that you're insured for, so the amount that would be paid in the event of a claim
  • Lives - the individuals/people that are covered on the policy
  • Assurance - exactly the same as insurance
  • ANB - age next birthday
  • Reviewable premiums - this is where usually after the first 5 years the insurer has the option to review your premium based on changes in the market, as opposed to personal circumstances
  • Guaranteed premiums - the same monthly premium amount throughout the policy (unless you opt for Critical Illness cover, all the policies we show you are guaranteed). 
  • Risk - an evaluation of all the elements of your policy that decides what your premium will be, a higher risk will give you a higher premium

If you're not quite sure how much cover you'll need, why not have a look at our life insurance calculator, it might help you figure out what would be the right amount of cover for you.

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Looking for a different type of life insurance?

Mortgage life insurance

Mortgage life insurance

Cover thatĀ 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.

Decreasing term life insurance

Decreasing term insurance

For those still making regular payments for long-term commitments like mortgages

See all of our other life insurance policies




Useful tools and guides

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

Why compare joint life insurance from Confused.com?

Confused.com 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 Confused.com. Out of 1,441 respondents, 94.2% said they would recommend Confused.com to a friend (January - March 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.

Modern families and their finances

A look at six types of modern families and their family finances.  From couples with one child, couples planning for children, to single parents raising multiple children.

modern family infographic teaser

Life insurance find the right cover

Life insurance

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