Can you get joint income protection insurance?

We’ve spoken in depth before about what income protection insurance is and whether or not it is worth it, but what about joint income protection insurance? If both you and your partner want to take out a policy, are you able to get joint cover, or do you have to do it separately? 

In this article, we will answer whether or not it is possible to get joint income protection insurance, and how to ensure that both of you are covered.

What is income protection insurance?

In case you’ve missed our previous articles, we’ll give a brief overview of income protection insurance. It is an insurance policy that ensures you still receive a regular income if you are unable to work through illness or injury. 

According to LV’s Reaching Resilience Report, despite almost one in five adults saying they would struggle to pay their mortgage or rent if they were unable to work for two months due to illness or injury, only 15% of working adults had an Income Protection policy in place. 

So, can you get joint income protection insurance?

While joint life insurance is possible and is a way of reducing your monthly premiums, unfortunately, the short answer to this question is ‘no.’ This is because income protection insurance is based on the individual’s unique circumstances such as their health, occupation and annual income.

What to do instead? 

While you aren’t able to take out a joint income protection insurance policy, you are able to take out as many policies as you want, so it is possible for both people to take out separate cover. 

As part of the underwriting process, you’ll have to provide personal and medical information so that the providers can evaluate your health and employment to assess the risk and determine the monthly premiums and policy terms.

It’s important to ensure that your policies are kept up to date so that your provider can amend your policy if necessary.

Advantages of Separate Policies

Obtaining individual income protection policies rather than a joint policy offers several advantages.

Tailored Coverage

Each person can secure coverage that is tailored to their unique needs, including income levels, health status, and occupation.


Separate policies ensure that one person's claim won't affect the coverage available to the other. Each individual's financial security is safeguarded independently.


Couples can choose different insurance providers and policy terms that suit their requirements.

While joint income protection insurance isn’t available, couples can still achieve financial security by obtaining separate income protection policies. This approach allows for tailored coverage and ensures the independence of each person's financial protection. Research and individual applications are essential in securing income protection that aligns with the specific circumstances and needs of each partner.

How Wiltshire Friendly can help

Wiltshire Friendly specialises in offering income protection services. Our focus is on delivering cost-effective income replacement coverage to a diverse range of individuals, employers and amateur, semi-professional and professional rugby players. This coverage is designed to assist those who have faced income loss as a result of illness or injury, which renders them unable to work.

If you need to file a claim, request an increase in your coverage, or wish to discuss your specific needs with us, we encourage you to get in contact us today. We are here to assist you in navigating your income protection requirements and finding the solutions that best suit your circumstances.