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Joint Life Insurance

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Compare joint life insurance

No one likes thinking about life insurance, but it is vitally important to make sure that your family and loved ones are protected in case of your death. Joint life insurance allows you and your spouse to get a life insurance policy, making sure that you are protected if one of you dies. You can find speciality joint insurance policies too, such as over 50s life insurance or over 60s life insurance.

To find the best joint life insurance policy for your needs, you can compare joint life insurance quotes. Comparing insurance quotes means you can weigh up your options and find what suits you, as well as giving you the chance to save money.


What is joint life insurance?

Joint life insurance policies let two people share an insurance policy. Usually, it is recommended for spouses or partners who want to be protected if either of them dies. Joint life insurance is most commonly a type of whole life insurance, which is valid until one person dies, though some are term insurance policies that only cover a certain period of time, such as the time it would take to pay off your mortgage.


Who benefits from a joint life insurance policy?

Generally, joint life insurance policies will pay a lump sum to the surviving partner when one partner dies. After this, the insurance policy is closed. There is no second payout when the remaining partner dies, although if both partners happen to die at the same time (in a road traffic accident, for instance) then the policy would payout to their next beneficiary, such as their child if the policyholders are parents.


Do I need single or joint life insurance?

Both types of life insurance have pros and cons. A joint policy is usually cheaper than having two separate policies, but you will only get one payout when the first partner dies, whereas having two single insurance policies means someone else could receive the payout once both partners have passed away.

It is worth taking the time to compare joint insurance and two single insurance policies thoroughly to find the most suitable for you and your partner.


Does a joint life insurance payout twice?

No, generally a joint life insurance policy will only payout once when the first partner dies. After this, the policy ends.


Does my life insurance automatically go to my spouse?

In many cases, yes, however, it is important to check that your insurance policy is set up properly to pay money to your spouse if you die. Most insurers will help you make sure this is correct.


Can you get joint life insurance if you are not married?

Yes, many insurance providers will offer joint life insurance policies to people who are not married. This can even include business partners or housemates. This gives you greater control over who benefits from your life insurance policy, as well as protecting your business or home.


Can you split a joint life insurance policy?

Normally, you cannot split a joint life insurance policy. Some insurance providers may allow this, but you would need to check the terms of your insurance to find out. Otherwise, you can often cancel the insurance policy and open new, single life insurance policies, but this may mean you lose the money you have already paid into the insurance policy.