Couples Life Insurance
We specialise in life insurance for couples in UK
"Advised me on the type of cover I needed at a fraction of the cost of other quotes"
-Michael
50+ Insurers. Expert Advice.
Big Savings !
What can couples life insurance cover ?
Making sure you’re both covered with the right life insurance plan is an essential part of securing your future.
Funeral Costs
The average cost of dying
£9,493
Mortgage Costs
Monthly cost of housing
£798
Living Costs
Monthly cost of living
£3,053
Transport Costs
Average monthly transport costs
£348
Transport Costs
Average monthly transport costs
£348
£300,000 Life Cover
£10
For only per month
Tuition Fees
Average yearly tuition fees
£9,188
House Deposit
Average 10% mortgage deposit
£23,200
House Deposit
Average 10% mortgage deposit
£23,200
Pay the Bills
Household bills monthly cost
£237
Take a Holiday
A ten day holiday for 4 people
£3,796
See references
- Cost of Dying Report 2020 (SunLife)
- What is the Cost of Living in the UK? (Expatistan)
- Average London rent hits record high as supply continues to drop (Homes & Property)
- Average UK Household Budget 2021 (NimbleFins)
- University tuition fees in England now the highest in the world, new analysis suggests (Independent)
- How much deposit do I need for a house? (Bankrate UK)
- What is the average cost of utility bills per month? (The Money Advice Service)
- Average Cost of a Holiday Abroad 2020 (NimbleFins)
- £10 per month pays for £300,000 of cover for 30 years for a 30 year old non-smoker, based on perfect health
- Trust Pilot review source:
How Couples Life Insurance Works ?
It’s peace of mind for you.
And security for the people you love
Fill out a simple form
Tell us about your needs
We ask a few quick questions — it only takes a couple of minutes.
We Compare Policies from 50+ Providers & Call You
You get personalised options that fit your home, your budget, and your life.
You pick your cover — and that’s it
Once your policy is in place, you can relax knowing your home is protected, no matter what happens.
Real Couples. Real Advice.
When you speak to us, you’ll chat with a friendly UK-based expert who is in a relationship & a couple that way they understand best how to help you & you can trust you are in safe hands.
- You’ll only ever speak with us — we never pass on your details
- No pressure. Just honest, helpful guidance
- We’re FCA authorised and ICO registered — your trust matters to us
“The most rewarding part of what I do? Knowing we’re helping people protect their homes and their futures. Every day, we give families peace of mind — even in the worst moments”
“What I love most is that we’re here to help, not to push. It’s about finding what’s right for each person. I end every call knowing I’ve made a real difference — and that feels good.”
What Is Couples Life Insurance?
Couples life insurance typically refers to a joint life insurance policy that covers two people under a single plan. It’s a practical option for partners with shared financial commitments like a mortgage, family expenses, or household bills. With one policy that covers both of you, a lump sum is paid out when the first person covered by the joint policy passes away.
This payout can help the surviving partner manage future costs like mortgage payments, childcare, or daily living expenses.
Why Choose a Joint Life Insurance Policy?
A joint life insurance plan can be a cost-effective and convenient way to ensure both partners are protected. A joint policy means one premium and a shared benefit, which often makes joint life insurance cheaper than two single policies.
Here’s why couples often choose joint:
One policy, one premium
Easy to manage
Covers both partners equally
Provides a death policy payout to the surviving policyholder
That said, if the relationship breaks down or your personal circumstances change, a joint policy can be less flexible than having two single policies.
Joint Life vs. Single Life Insurance
Joint life insurance pays out once — usually on the first death joint policy — and then ends.
Single life insurance policies are individual and pay out independently, even if both policyholders die.
Some couples opt for two single policies to ensure double the coverage.
Your choice depends on your individual circumstances, how much life insurance you need, and what type of financial protection you want to leave behind.
Types of Life Insurance Policies for Couples
You and your partner can choose from several life insurance products, depending on your needs and lifestyle:
1. Term Life Insurance
Provides life cover for a set period. If one partner dies during the term, the policy pays a lump sum to the surviving person.
2. Level Term Life Insurance
A fixed payout amount throughout the policy term – useful for covering large debts like a repayment mortgage or company debts.
3. Mortgage Life Insurance
Helps cover your mortgage payments so your partner passes without the added stress of a large financial commitment.
4. Critical Illness Cover
You can also add critical illness cover to a joint policy or a single life insurance policy. This pays a cash in lump sum if one of you is diagnosed with a severe critical illness, helping manage treatment or adjust your lifestyle.
Who Should Consider Couples Life Insurance?
Couples life insurance is ideal for:
Married or cohabiting couples
Civil partners
Long-term partners with joint responsibilities
- Would your partner struggle to pay the mortgage without you?
- Would your family be left to cover debts or bills?
- Would you want to protect your new home, no matter what?
- Anyone who relies on you financially? (Partner, children, family?)
If any of that hits home, now’s the time to get covered.
Life insurance is usually cheaper when you’re younger — and it only gets more expensive the longer you wait.
How Does Couples Life Insurance Work?
A joint life insurance policy typically pays out upon the death of the first person (known as the death joint policy). The joint policy covers both individuals, but it ends after the first payout — unless you choose from second death policies, which pay out only after both policyholders die.
If the surviving policyholder still needs coverage, they may need to reapply, which could be harder due to pre existing health conditions.
Trusted Providers
Some well-known providers of joint life insurance include:
Lloyds Bank Insurance Services (part of Lloyds Banking Group)
Scottish Widows Life
These names offer reputable life insurance policies, often with options to include critical illness policies and flexible cover amounts.
Couples Life Insurance: A Final Thought
Is joint life insurance right for you? If you have shared assets, debts, or dependents, it may be your most cost effective and convenient option. But for those with complex needs, separate policies or individual life insurance policies may offer more flexibility.
Still unsure? Think about what happens if your partner dies, or you’re left as the surviving policyholder. Would you be able to manage all your responsibilities without that life insurance support?
Let us help you decide.
How much does couples life insurance cost ?
£10.99
per month
£8.99
per month
Life Insurance
Starting from only
£4.99
per month
Got questions? You're not alone.
We've answered some of the most common ones below to help make things clear and simple.
What is couples life insurance?
Couples life insurance covers two people under one policy, typically paying out when the first partner dies.
Should couples get joint life insurance or separate policies?
Joint policies are cheaper, but separate policies offer more flexibility and can result in two payouts instead of one.
How does couples life insurance work?
Most joint policies are “first death,” meaning the policy pays out once—on the first partner’s death—and then ends.
Can married and unmarried couples get life insurance together?
Yes. Most insurers offer joint life policies to both married and unmarried couples, including cohabiting partners.
What’s the best life insurance option for couples with kids?
Many opt for two single policies for full protection, ensuring both partners are covered if anything happens to either one.
When should couples take out life insurance?
Ideally when you take on shared financial responsibilities—like a mortgage, children, or joint debts.