This depends on your circumstances.
Joint life insurance insures two people under one policy. If either person dies, the other person gets the payout and the policy ends.
The benefits of joint life insurance is that there’s less admin with only one policy to look after. And the monthly premiums are likely to be less than with two separate life insurance policies.
The drawback is that it’s only designed to cover one person. If both people die at the same time, their beneficiaries only get a single payout. This might not be enough to cover all debts and support them financially.
Some people might use a joint life insurance policy to cover their mortgage or debts, and then have a separate policy to financially support their dependents. This does mean having to look after multiple policies, and paying two sets of monthly premiums.
If you need more help on what’s best for you, get in touch with the life insurance provider and see what option works.