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Joint life insurance

Joint life plans are usually taken out where the death of either person will have a significant impact on the lifestyle of the other, particularly where there are children involved.

You can choose to take out a plan that covers just yourself, or yourself and your spouse, civil partner or someone you share a financial commitment with. A single life plan insures only you and pays out if you die during the plan term.

However, if the life cover is intended for a couple, then as an alternative to a joint plan, each person can take out their own single life plan and choose to have different amounts and cover periods.

Single life insurance

  • If you both take out a plan, if one person dies their plan would pay out, and the other person’s plan would continue, and they would still be covered.
  • This is unlike a joint plan, which only pays out once, when the first person dies. The plan then ends, and the second person is no longer covered.

Joint life insurance

  • Covers both people insured for the same amount of cover and length of time.
  • The plan pays out for the first death only
  • After that, the plan stops and the surviving person is no longer covered.
  • Taking out a joint life insurance plan normally costs less than two single plans.

Our life insurance application is quick and easy

Call LifeSearch on:
0800 197 2266

Mon to Thu 8am - 8pm
Fri 8am - 6pm

Existing customer?
0800 678 1906

8.30am - 6.30pm Monday to Friday

Calls may be recorded and/or monitored for training and audit purposes.

LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

More about LifeSearch and your protection needs

Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Find out more about life cover

Why choose LV=

An insurance provider you can trust established in 1843.

  • 97% of claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents


From what's covered, ways to get set up or even how to claim, our library of FAQs can help.

View our Life Insurance FAQs