Joint life insurance

Compare joint life insurance policies

A young couple with a baby
Protect your small people, or other humans you love.

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.

Make sure you're both insured

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 death rates 2011      Female death rates 2011

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

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

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  • 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).

How much life insurance you need can be confusing, so we've created this handy life insurance calculator tool to help you decide how much cover you need.

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