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Should I choose a single or joint life insurance policy?

The difference between the two is that a single life insurance policy provides as cover for just one person and when that person dies, the partner gets the amount but if it is a joint policy, the amount goes to either of the persons who happens to be the survivor. So a joint cover really does protect both the partners in case of death. A joint policy cannot be changed to a single or two single policies.

What more and more people are looking at today for couples are two single insurance policies so that when either one dies, the sum goes to the survivor and when the survivor dies, the sum goes to someone in the family. Some insurance companies will allow a joint life policy to include a 'second death' clause and in this, both partners' deaths will be covered.

If you complete our fast and easy form our trained and independent advisers will contact you. They will be able to answer all your questions and to offer their advice.

How to choose

You can select the length of your ideal life insurance quote and also the maximum value of the policy. Use the sliders and then continue to get a free quote.

Length of life insurance

For how many years do you think your family will need to rely on you financially and in how many years will they be able to be financially independent? Some people like to choose a policy that takes them to when the children turn 21, for example.




You have selected 20 year


Maximum value of life insurance

There really isn't a definitive answer for this question but try to factor in the value of your mortgage that needs paying off, a few years of your salary and the values of any debts that will need paying.


MIN £5000

MAX £500,000

You have selected ?10000


Compare affordable quotes from UK life insurance providers such as:

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