Joint Life Insurance allows you and your partner to be covered by a single policy with the same terms and conditions. It will be paid out when one partner passes away. The surviving partner will then not be insured. This option is cheaper than most due to its one payout.
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The best way to decide if this type of policy is right for you is to consider whether it suits your personal requirements. Joint Life Insurance is most suited to nuclear families where both partners contribute an income to the household. If one partner passes away, their spouse and children can remain financially secure even though an income is lost.
As the policy is usually cheaper than two separate policies, couples who are under financial pressure may find Joint Life Insurance more affordable. However, in the case of divorce or separation, the policy cannot be divided. If one partner stops paying their share, the policy will lapse unless the other partner takes over the full premium.
In South Africa, Joint Life Insurance is often difficult to find as very few insurers offer it. Most people therefore choose a standard Life Insurance policy that covers only one individual. Because everyone’s situation is different, it’s always best to compare Life Insurance quotes from a range of providers before making a final decision. Costs can vary significantly, so thorough research is essential.
Please note: None of the partners on Hippo currently offer Joint Life Insurance. The information in this article is provided for informational purposes only and should not be interpreted as financial, legal, or medical advice.
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Clear answers to help you understand Joint Life Insurance, how the payout works, and whether it suits you and your partner.
Joint Life Insurance is a single policy that covers you and your partner under the same terms and conditions. It pays out when one partner passes away. After the payout, the surviving partner is no longer insured under that policy.
Joint Life Insurance is often more affordable because there is typically only one payout. The policy ends after the first death claim, which makes it a cheaper option compared to maintaining two separate policies that each have their own payout.
This type of policy is most suited to nuclear families where both partners contribute an income to the household. If one partner passes away, the payout can help financially secure the surviving spouse and children, even though one income is lost.
Joint Life Insurance cannot usually be divided into two separate policies if you divorce or separate. If one partner stops paying their share, the policy may lapse unless the other partner takes over the full premium to keep it active.
Joint Life Insurance can be difficult to find in South Africa because not many Life Insurance providers offer it. Many couples therefore choose a standard Life Insurance policy that covers one person instead.
Many people choose separate policies because everyone’s situation is different and cover needs can vary. Comparing Life Insurance quotes from multiple providers can help you decide which option provides the right balance of affordability and protection for you and your partner.
Please note that none of Hippo’s partners currently offer Joint Life Insurance. The information provided is for informational purposes only and should not be interpreted as financial, legal, or medical advice.
Compare multiple Life Insurance quotes and find cover that suits your household and budget.
If Joint Life Insurance isn’t available, a standard Life policy may still help protect your family financially.
Explore our Life Insurance guides, from basic policy explanations to specialised cover like Mortgage Life Insurance, joint cover and high-risk options.
What is a Life Insurance policy? Find out how Life Insurance works, what it covers, and how to choose a policy that fits your needs.
Life Insurance for Parents Learn how to take out cover for your parents when they can’t do so themselves, or add them to your existing policy.
Life Insurance for Children Understand how cover for children works, how value builds over time, and when these policies pay out.
Life Insurance for Over 50 Explore Life Insurance options for people over 50, including cover that pays a lump sum to your beneficiaries.
High-Risk Life Insurance See how insurers assess higher-risk jobs, hobbies and health profiles, and what that means for your premiums.
Joint Life Insurance See how one policy can cover you and your partner under shared terms, and when a joint policy makes financial sense.
Traditional Whole Life Insurance Learn about lifelong cover (often up to age 95), fixed premiums and guaranteed payouts to your beneficiaries.
Term Life Insurance Understand fixed-term cover, how it works for temporary needs, and what happens when the term comes to an end.
Pre-Existing Medical Conditions Find out how existing health conditions affect your Life Insurance application, waiting periods and exclusions.
Mortgage Life Insurance See how this type of cover protects your bond by paying off the outstanding home loan if you pass away.
Critical Illness Cover Learn how Critical Illness Cover works, what conditions may be covered, and how payouts can help with treatment and recovery costs.
Universal Life Insurance Explore flexible life cover that can adjust over time, and learn how premiums and benefits may change based on your needs.
