Dual Life Cover
Modern Life Insurance with:
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:
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.
Our member rewards & benefits
Harrods
The world’s leading luxury department store, home to over 3,000 brands.
Selfridges & Co
Luxury department store offering designer collections, premium brands & exotic food.
Mr Porter
Online retail for men’s style selling 450+ leading international brands.
Just Eat
Order 100+ cuisine types from restaurant partners via online or mobile.
Fortnum & Mason
Extraordinary luxury hampers, delicious food, joy-giving gifts, and unforgettable experiences.
Iceland
Buy award-winning products and secure convenient delivery slots.
Morrisons
Quality food and groceries via supermarkets and online home delivery channels.
Hello Fresh
Recipe box subscription service delivering fresh ingredients with step-by-step recipes.
Holland & Barrett
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Boots
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B&Q
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Superdry
Clothing store, fusing vintage American & Japanese-inspired graphics with British style.
JD Sports
Sports fashion, branded sports & casual wear, from recognised brands.
Lululemon
Luxury athletic apparel for yoga, running, training & everything in between.
New Balance
Sports clothing, footwear, and accessories designed to cater to everyone.
Nike
Footwear, apparel, and equipment, empowering every athlete in the world.
The North Face
Technical mountaineering equipment & apparel including tents, skiwear & more.
Withings
Smart devices designed to improve your health for the long term.
Microsoft
Cloud computing, video games, computer & gaming hardware for all.
3 Mobile
Phones, tablets, mobile broadband, SIM only deals & more.
Carphone Warehouse – Rebranded as Currys in 2021
Unbeatable prices on mobile phones across the widest range of networks.
Currys
Providing TVs, phones, washing machines, laptops, headphones & more.
Virgin Atlantic
Offering non-stop flights from London Heathrow to the US and beyond.