Reason to recommend
No.1
Dual life approach
for couples
Protection for couples that gives each partner their own cover, so if one claims, the other is still protected.
What makes our approach better
We don’t offer joint life. Instead, we offer a dual life approach where both partners’ cover is kept separate. That way, if either partner dies the other partner’s cover remains in place.
Our dual life approach still only requires a single quote, application and direct debit.
So, compared to the cheapest joint life policy, clients get twice the amount of cover for just a small extra cost.
How the costs compare
45 and 40-year-old couple, non-smokers, £200k level life cover, 20 years:
Joint life providing
a single payout:
£30.66
A MONTH
V
Dual life providing
2 payouts:
£36.12
A MONTH
IRESS quote: joint/dual life for a 45 and 40-year-old couple, non-smokers, £200k level life cover, 20 years. Joint life policy shows cheapest comparable product, including Premium Waiver. Guardian quote for Life Protection. 8 March 2024.
Read Becky’s story to fully understand the
value of our dual life approach.
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