Single Cover

Life cover for just one person.

Joint Cover

Life cover for two people. The policy will only pay out once, on the first or second death. This is often used for mortgage protection, typically paying out on the first death. This cover type might also be used to prepare for an inheritance tax bill for a married couple where “second death” might be chosen.

Dual Cover

Life cover ┬áthat covers two people, but pays out on the death of both policy holders. This is commonly used for personal cover when both life’s wish to be covered in the event of their death.