{"id":817,"date":"2020-07-22T04:00:00","date_gmt":"2020-07-22T10:00:00","guid":{"rendered":"https:\/\/www.mymidatlantic.com\/blog\/?p=817"},"modified":"2020-07-15T11:54:57","modified_gmt":"2020-07-15T17:54:57","slug":"can-couples-share-a-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.mymidatlantic.com\/blog\/2020\/07\/22\/can-couples-share-a-life-insurance-policy\/","title":{"rendered":"Can Couples Share A Life Insurance Policy?"},"content":{"rendered":"<p>It may sound a little odd, but yes, Laurel, MD couples&nbsp;can&nbsp;buy a single, shared life insurance policy.<\/p>\n<p>Your insurer is going to take into account health risks and age for both you and your partner, and your premiums will be priced accordingly. From there, you have two options for joint life insurance:<\/p>\n<ul>\n<li>First-to-die insurance. This is what you&#8217;re going to want if your plan is for the surviving spouse to be the recipient of the benefits. In a first-to-die policy the surviving spouse, and other beneficiaries, will claim the benefits when their partner dies.<\/li>\n<li>Second-to-die insurance. With this policy, the insurance pays out to your beneficiaries when both partners have passed on. This is preferable if you have dependents who will continue to care for no matter which partner lives the longest, and if you would like to make sure that they continue to be cared for when you have both passed on.<\/li>\n<\/ul>\n<p>Joint life insurance is a handy solution for many people who want to buy life insurance but want to make sure that either partner is taken care of no matter how things play out. A conventional life insurance policy may be fine for many, but for couples with shared finances, a joint life insurance policy can be helpful in ensuring a financial safety net for both partners.<\/p>\n<p>If you&#8217;re looking to get insured in Laurel, MD, you may want to get in touch with us at&nbsp;Mid Atlantic Insurance Financial. At&nbsp;Mid Atlantic Insurance Financial we can compare several quotes based on your insurance needs and help you to secure the peace of mind that you&#8217;re after.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It may sound a little odd, but yes, Laurel, MD couples&nbsp;can&nbsp;buy a single, shared life insurance policy. Your insurer is going to take into account health risks and age for both you and your partner, and your premiums will be priced accordingly. From there, you have two options for joint life insurance: First-to-die insurance. This [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[512,198],"class_list":["post-817","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-laurel-md","tag-mid-atlantic-insurance-financial"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"It may sound a little odd, but yes, Laurel, MD couples can buy a single, shared life insurance policy. Your insurer is going to take into account health risks and age for both you and your partner, and your premiums will be priced accordingly. From there, you have two options for joint life insurance: First-to-die insurance. 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