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Are two single life plans better than a joint life plan?

Are two single life plans better than a joint life plan?

About The Author


Rob Harvey supports Protection Guru in it’s detailed research & benchmarking of protection products and features. He works alongside the team in helping drive product innovation and improvements with insurers and engages with adviser firms in ensuring they have the right tools & resources at their disposal to deliver the best protection advise. Prior to joining Protection Guru Rob spent 9 years at protection specialists Drewberry, where he worked as an adviser, learning & development manager and finally head of health & protection. In his spare time and when not out enjoying the pubs & bars of Brighton, Rob collects vintage clothing, is an historic motor racing enthusiast and avid country walker.


  1. Stephen clarke

    This is a useful article but it would be good to see how this changes with Dual cover which has been introduced by Guardian and now Royal London?

    • Adam Higgs

      Hi Stephen, perhaps I can direct you to this article which actually does refer to the dual life approach ( For life only, the Guardian dual life approach is essentially as this article would suggest (i.e. two single life plans), however where it is particularly beneficial is where critical illness is included as then there are essentially 4 plans (two single life policies and single single life CI policies).

  2. deb hale

    really useful Rob, especially the cost comparison


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