Compare Life Quotes has helped 2188 customers just like you in the last 7 days.
- No fuss, no hidden fees
- Find affordable insurance
- Over 50s, critical illness, and terminal illness
- No obligation quotes
Our Process
Finding the right life insurance policy should be straightforward and stress-free.
1. Fill out a simple application form
Share a bit about yourself by answering a few basic questions, so we can understand your unique needs.
2. Explore Your Options
A friendly specialist from one of our trusted partners will get in touch to walk you through plans suited to you.
3. Choose What’s Right for You
Take your time to review your options and pick the plan that fits you best. Remember, our service is free, confidential, and comes with no obligations.
What is joint life insurance?
Joint life insurance is a single policy that insures two people together. It provides a one-time payout when the first person passes away, as long as it happens during the policy term. Once that payout is made, the coverage ends — meaning the surviving person won't be covered moving forward.
This type of plan is often more budget-friendly than buying two individual life insurance policies. It’s commonly chosen by:
- Married couples
- Long-term partners
- Business partners
How does joint life insurance work?
Joint life insurance provides a single payout, and how it works depends on the type of policy you choose.
- First death policy – The payout is made when the first person dies. Once the benefit is paid, the policy ends, and the surviving person is no longer insured.
- Second death policy – The payout occurs only after both individuals have passed away, provided all premiums have been paid throughout the term.
We’re not just another comparison website
- We find the right match.
A true match
We don’t just throw quotes at you and see which one sticks. To make sure you don’t get decision fatigue, we take the time to understand your unique circumstances and match you to a trusted Broker.
Free, easy service
We offer a fee-free service, which means you don’t need to pay us anything and you’re not obligated to purchase a policy. You’re free to get the quote, take the time you need to decide, and walk away if it’s not for you.
Peace of mind
With our trusted expert partners, you can have some peace of mind knowing you’ve chosen the most suitable policy for you and you’re covered should something occur.
Secure your future together with joint life insurance, offering affordable coverage for both you and your partner
Get a free, no-obligation quote today - We put people at the centre of our work
Common Questions
What are the benefits of joint life cover?
Life insurance is designed to be affordable, giving you peace of mind that your loved ones are protected.
** Example shown: For an individual policy, based on a 30-year-old non-smoker, you could get £175,000 level term cover for 30 years from £7.93 per month (£1.83 per week). Premiums are subject to underwriting and individual circumstances. Not all partners use the same insurers or products. Services may be advised or non-advised.
For couples, a joint life policy can often work out cheaper than taking two separate policies, particularly if you’re of a similar age and in good health. The payout is the same for either partner, and because the surviving partner is already the beneficiary, claims are usually paid more quickly.
Can critical illness cover be added to a joint life insurance policy?
Yes, many joint life insurance policies allow you to add critical illness cover, giving extra protection if either partner is diagnosed with a serious illness.
Will I get any guidance?
Yes, our expert partners will call you and answer any questions you may have. They’ll listen to your unique circumstances and try to find the most suitable solution for you and your family.
Can I change my mind?
Yes, you have 30 days from taking out a policy to cancel, no matter what your reason for cancellation.
How do I know the insurance company will pay out?
Payouts are never guaranteed, however, 96.9% all claims did pay out in 2021, with the average policy payout in 2022 coming in at £73,578. The main reason payouts don’t occur is because essential information was omitted or false at the time of applying, so be sure to provide your insurer with all relevant details.
Pricing
Joint Life Insurance quoted rates are based on joint level term life cover for non-smokers, with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 4th September 2025.
From £10 Per Month
Both customers 30 years old, born in 1995 – 30 year term
Both customers 40 years old, born in 1985 – 30 year term
Both customers 50 years old, born in 1975 – 30 year term
Both customers 60 years old, born in 1965 – 20 year term
Both customers 30 years old, born in 1995 – 10 year term
From £20 Per Month
Both customers 30 years old, born in 1995 – 30 year term
Both customers 40 years old, born in 1985 – 30 year term
Both customers 50 years old, born in 1975 – 30 year term
Both customers 60 years old, born in 1965 – 20 year term
Both customers 30 years old, born in 1995 – 10 year term
From £30 Per Month
Both customers 30 years old, born in 1995 – 30 year term
Both customers 40 years old, born in 1985 – 30 year term
Both customers 50 years old, born in 1975 – 30 year term
Both customers 60 years old, born in 1965 – 20 year term
Both customers 30 years old, born in 1995 – 10 year term
Testimonials
"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."
Lynn K
"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."
Alan S
"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."
Lou G
"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."
Paul M
"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."
Graham F
"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."
Brad J
"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."
Dave C
"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."
Hannah G
"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."
Mick D
"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."
Victoria S