Can you have different levels of cover on a joint life policy?

Yes you can - but it may be better to buy separate policies.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Life Insurance - why do you need it?
You may want Life Insurance to provide some financial protection for the family or to cover the payment of an Interest Only Mortgage.
Is there any investment value in your policy?
No. Once the term is completed the policy simply ends. It’s a bit like car insurance!
What personal details do you need to provide to get a quotation for Life Insurance?
Only your date of birth, sex and whether you're a smoker. So it's really simple to get an immediate quotation.
What is the Difference Between Critical Illness Insurance and Terminal Illness insurance?
Critical Illness Insurance is much more comprehensive than Terminal Illness cover.
Can you have different levels of cover on a joint life policy?
Yes you can - but it may be better to buy separate policies.
Variable levels of cover are available on Joint Life policies (i.e. each party has their own sum insured). If you want a Joint policy with variable sums insured, then please let ClickLife know when you're called to discuss your needs and requirements.

Perhaps a better option?

If you are considering any Joint life insurance policy then we recommend you also cost up the alternative of having a separate policy for each person. Why? Because with a Joint policy, if there is a claim the policy will automatically terminate. The survivor is then left with no insurance cover and at an older age when it is more expensive to obtain insurance. It may even be impossible to get insurance due to deteriorating health.

Frequently Asked Questions related to the above topic.
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