Joint Life Insurance Quotes | Cover Two Lives

Joint life insurance protects you and your partner under one policy — helping safeguard your home, family and future. Compare leading UK insurers in minutes. No obligation.

What is Joint Life Insurance?

Joint life insurance is a single policy that covers two people, usually partners or spouses. It pays out a tax-free lump sum when the first person covered by the policy passes away — known as first death cover.

It’s a popular option for couples who share financial responsibilities, such as a mortgage, rent, household bills or childcare costs. The payout can help the surviving partner stay financially secure, clear outstanding debts, or maintain their lifestyle during a difficult time.

Joint life insurance is commonly taken out as joint life, first death cover, meaning once a claim is paid, the policy ends. This makes it different from having two separate life insurance policies, which would pay out twice if both policyholders pass away at different times.

Because it’s one policy rather than two, joint life insurance is often more affordable than taking out separate policies — making it an attractive option for couples on a budget.

At Insured Life, we help you compare joint life policies from leading UK insurers to find the right balance of cost, cover and peace of mind.

Flexible Plans

Flexible coverage, and plans that suit your needs. With access to compare the market we can provide cover from as little as £5 per month.

FCA Regulated

Fully licenced and regulated by the Financial Conduct Authority.

Quick and Simple

Quick and simple application process. Simply request a quote and our team will compare the market for the best deals.

Trusted

We have provided life insurance for 100's of families across the UK, with excellent reviews on Google and TrustPilot.

Key Features to Compare Before Buying Joint Life Insurance

Not all joint life policies are the same. Here’s what to compare carefully:

First Death vs Second Death

Most UK policies are first death. Second death cover is less common and often used in inheritance planning.

Cover Amount

Ensure the payout fully protects your mortgage or family finances.

Policy Type

Level term
Decreasing term

Choose based on whether your financial commitment stays the same or reduces.

Policy Term

Match the term to your mortgage length or dependent needs.

Premium Type

Guaranteed premiums offer stability. Reviewable premiums may rise.

Terminal Illness Cover

Often included — check when it pays out.

Joint vs Two Single Policies

Two single policies cost more but provide double payout potential and flexibility.

How to get Joint Life Insurance

Fill in our form

Just a few simple questions that should take no more 1 minute to complete.

We'll call you

One of our team will call you to discuss your cover needs in more detail.

Choose your cover

We will share with you the best cover for your needs from the market. Once you confirm we will take care of the rest. Simple.

Who Needs Joint Life Insurance?

Joint life insurance is ideal for couples with shared financial responsibilities.

Couples With a Mortgage

Joint life insurance is commonly used to protect a repayment mortgage so the surviving partner can stay in the home.

Parents With Shared Income

If both incomes contribute to household finances, a joint policy can provide immediate support.

Couples on a Budget

Joint policies are often cheaper than two separate life insurance policies.

Married Couples & Civil Partners

Joint cover aligns well with shared assets and long-term financial planning.

First-Time Buyers

Often required by lenders or chosen to protect a new mortgage commitment.

Couples Without Dependants

Even without children, shared financial obligations still need protection.

Trusted Joint Life Insurance Advisor

How much does Joint Life Insurance cost?

Joint life insurance is usually cheaper than two separate policies, but pricing depends on several factors:

Insurers typically base pricing on the older partner.

The partner with higher risk often has more influence on the premium.

If one partner smokes, the policy is usually priced at smoker rates.

Higher payouts increase premiums.

Decreasing term is usually cheaper than level term.

Joint Life Insurance FAQs

What happens when one partner dies?

The policy pays out once, then ends.

Is joint life insurance cheaper?

Yes, it’s usually cheaper than two single policies.

Should we choose joint or separate policies?

Joint is cheaper; separate offers more protection. We help you compare both.

Can unmarried couples get joint cover?

Yes — marital status doesn’t usually matter.

Can we add critical illness cover?

Yes, many joint policies allow critical illness add-ons.

What if we seperate?

Joint policies can be complicated to split. Separate policies offer more flexibility.

Why Choose Insured Life for Joint Life Insurance?

Joint life insurance decisions can affect both partners for decades. Insured Life ensures you choose cover that truly fits your shared financial goals.

As an independent broker, we compare multiple insurers, explain complex details clearly, and help you decide between joint and separate policies — without pressure or jargon.

Our service is completely free, FCA authorised, and designed to save you time and money while giving you confidence your loved one will be protected.

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