# Joint life or dual life cover?

_Joint life pays once, on the first death. Dual life covers each person separately and can pay twice._

Joint life cover (first death) covers two people under one policy. It pays out once, when the first of the two dies, and then the policy ends.

Dual life cover also covers two people under one policy, but each person has their own cover. It pays out when the first person dies, and the second person's cover carries on. It can pay out twice.

Dual life cover usually costs more than joint life cover, because it can pay twice. For a couple with a shared mortgage, joint life is common; dual life suits people who want cover to continue for the surviving partner.

Get prices: https://www.mylife.ie/quote/form