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Joint or 2 Singles?

Should I get joint life insurance cover or 2 single policies?

Life insurance is a great way to provide peace of mind that your dependents will be financially cared for in the event of your death. But if you are in a long-term relationship or marriage, is it best you take out a joint policy or two singles?

When so much is done together as a couple, from joint bank accounts to joint mortgages, it might seem logical to take out a joint insurance policy too. However, this is not necessarily the best option, so it’s important to understand the pros and cons of joint and separate life insurance.

What’s the difference?

Issues to be aware of with a joint policy

Despite the relative simplicity of insuring yourself and your spouse on a joint policy together, there are some serious drawbacks that you should make yourself aware of:

Only pays out once

The policy cannot be divided

Could force one partner to pay over the odds in future


Talk to our Reassured consultants on 0808 168 2025 to discuss your options for both joint or individual life insurance cover. Alternatively Start Your Quote online today.