Couples with uneven incomes often default to a joint life policy because it looks tidy. Joint cover can leave the surviving higher earner without a payout if the lower earner dies first — or create other mismatches depending on the policy structure and ownership.
We size cover against the mortgage, childcare, and the income that would actually disappear. Sometimes that means separate single-life policies with different sums assured; sometimes a joint policy still fits. Ownership and trust wording belong in the conversation with your solicitor when gifts or estate planning sit nearby.
Underwriting will ask about health. Answer accurately; surprises at claim stage help nobody. If one partner has medical history that raises premiums, we still prefer honest pricing over a cheap policy that excludes the risk you care about.
Bring the mortgage illustration and a note of childcare or dependent costs. We will sketch cover options before any application forms leave the office.