What’s the difference between joint cover and dual cover? (Test)
Niall O'Connor MSc CFP® QFA
Joint cover insures two people but a claim is paid out on the first death only. Cover ends when the first person dies.
Dual cover also insures two people but a claim can be paid on both deaths. If one person dies, the policy continues in the name of the survivor.
When it comes to us, we can provide you with dual cover at the same price as joint cover, so all our policies for two people are dual cover only. All policies provided through the bank are not only more expensive, but also provide inferior joint life cover only.
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