My partner has moved in — should we combine/review cover?
It is a good time to review. Living together often means shared rent or a mortgage and shared bills, so each of you may rely on the other's income. You might consider joint or separate policies, adjust cover amounts and check beneficiaries. Unmarried partners do not automatically inherit, so trusts can be particularly important.
Joint or single policies
Joint cover is often cheaper but pays once. Two single policies give more flexibility if circumstances change.
Existing policies
Keep your own existing cover in place. Its terms may be better than new cover.
Wills
Consider making or updating wills so your wishes are clear.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026