Should the cover be on joint lives or separate lives?

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

Where can I find help?
To help you find your question, we have organised our FAQ’s into relevant groups. Answers to all sorts of more general questions are found in the General Questions section.
What do you need to know about Life Insurance?
Life Insurance pays out a tax-free lump sum if you die; there is no investment value.
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.
Should your policy be written “in Trust”?
We believe that all Life policies should be written “in trust”.
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.
Click below if you wish to read them: -