Dual Life Cover
Modern Life Insurance with:
Up to 200% Multi-Claim Critical Illness Cover
Dual Life vs Joint Life Summary (£100,000 Sum Assured Example)
Traditional Joint Life | Assura Protect Dual Life | ||
 One / Or  | Both / And  | ||
| Cover | First Life | Both Lives | |
| Max Benefit | £100,000* | £200,000* | |
| Relative Term Duration | Shorter | Longer | |
| Premium/Cost | Similar/Equivalent Monthly Premiums | Similar/Equivalent Monthly Premiums |
Traditional Joint Cover Life Insurance
In partnerships, where household income, expenses, and mortgages are managed collectively, couples often see the benefits of shared financial planning.
This is also applicable to life insurance where couples regularly opt for Joint Life cover, to protect both partners, and provide shared security. Traditional Joint Life Cover, however, has some additional protection considerations, which include:
Policy terminates when one partner passes away.
Provides a single death benefit payment only.
Relatively expensive policy premiums versus the cover provided.
Assura Dual Life Cover
For couples looking for combined protection, Assura Protect provides Dual Life Cover, instead of Joint Life, as it offers policyholders several distinct advantages:
If one person dies before the other, protection for the survivor remains in place.
With twice as much effective cover and Sum Assured Dual Life provide greater value for premium to policyholders.