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Why Use TheLifeSupermarket?
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Answer a few simple questions and get quotes that match your needs and budget.
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Frequently Asked Questions
What is joint life insurance?
Joint life insurance is one policy that covers two people at the same time. It pays out a lump sum when the first person dies during the policy term. This type of insurance is popular with anyone who shares financial responsibilities - such as couples, family members, friends, or business partners - and wants to protect their shared finances with just one plan.
How does joint life insurance work?
Joint life insurance pays out either when the first person dies (first death policy) or after both people have passed away (second death policy), depending on the policy type. After the payout, the policy usually ends. Both individuals are covered under one plan, making it easier and often cheaper than two separate policies.
How Much Does Life Insurance Cost?
Finding Affordable Protection that Works for You.
We know that cost is a consideration, and life insurance doesn’t have to be expensive. Many policies start from around £9.71 per month (based on the 2025 average).
- Source: iaminsured.co.uk (2025)
At Thelifesupermarket.com, our aim is partner you with an expert to help you explore suitable coverage options at a price that fits your budget.
Understanding What Influences Your Premium.
It’s important to understand what can affect the cost of your life insurance.
Policy Type
Policies with higher potential payouts or extra features like critical illness cover may have higher premiums. Your expert will explain these options clearly so you can make an informed choice.
Your Circumstances
Factors like your age, smoking status, and lifestyle (for example, participation in high-risk sports) can influence your premium. Whether you’re in your 20s or over 50, a smoker or non-smoker, our experts is here to help you compare options and find a policy that’s appropriate for your individual situation.
Your Privacy and Security are Important to Us.
At thelifesupermarket.com, we are committed to protecting your personal data. As an Information Commissioner-registered company, we adhere to high standards of privacy and security to ensure your information is handled responsibly.
Regulated and Compliant:
We operate with full regulatory compliance, ensuring your information is handled with care and integrity.
Secure Data Storage:
All data is stored on secure servers utilising advanced encryption and protection technologies.
Your Data, Your Choice:
We will never share your personal information without your explicit consent, ensuring your details remain safe and secure.
We are committed to protecting your information while assisting you in finding a life insurance policy that meets your needs.
Pricing
Joint Life Insurance quoted rates are based on joint level term life cover for non-smokers, with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 5th February 2025.
Up to £84,949 Sum Assured
Both customers 30 years old, born in 1996 – 30 year term
Up to £36,581 Sum Assured
Both customers 40 years old, born in 1986 – 30 year term
Up to £11,826 Sum Assured
Both customers 50 years old, born in 1976 – 30 year term
Up to £6,632 Sum Assured
Both customers 60 years old, born in 1966 – 20 year term
Up to £164,041 Sum Assured
Both customers 30 years old, born in 1996 – 10 year term
Up to £265,482 Sum Assured
Both customers 30 years old, born in 1996 – 30 year term
Up to £82,667 Sum Assured
Both customers 40 years old, born in 1986 – 30 year term
Up to £28,601 Sum Assured
Both customers 50 years old, born in 1976 – 30 year term
Up to £14,405 Sum Assured
Both customers 60 years old, born in 1966 – 20 year term
Up to £423,647 Sum Assured
Both customers 30 years old, born in 1996 – 10 year term
Up to £432,843 Sum Assured
Both customers 30 years old, born in 1996 – 30 year term
Up to £152,582 Sum Assured
Both customers 40 years old, born in 1986 – 30 year term
Up to £45,516 Sum Assured
Both customers 50 years old, born in 1976 – 30 year term
Up to £23,424 Sum Assured
Both customers 60 years old, born in 1966 – 20 year term
Up to £667,739 Sum Assured
Both customers 30 years old, born in 1996 – 10 year term
