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Universal Life Joint Insurance

Cover two people with flexible coverage that fits your life.

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Joint coverage designed for life’s unexpected turns.

A partnership shouldn’t have to mean double the payments and fees. Universal Life Joint helps you save by providing life insurance coverage for two, with just one policy fee and premium.

Save with One Payment

Save money by purchasing one life insurance policy to cover two people.

Flexibility Over Time

Adjust your coverage and premium payments as your life evolves and changes.

Cash Value

If enough premiums are paid, your policy will develop a cash value, which is made up of funds that accumulate and earn interest over time.

BetterLife Member Benefits

When you purchase a BetterLife Universal Life policy, you automatically gain access to our free, exclusive member benefits, which offer additional protection and value. Click on the button below to learn more.

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Universal Life Joint is ideal for:

Households With Two Wage Earners

Universal Life Joint is ideal for two-income families or business partners who have a shared need for a single death benefit. Save by avoiding two separate policy fees and premiums.

Prospective Bi-Weekly Benefit Plan Members

Universal Life Joint works with our Bi-Weekly Benefit Plan which allows you to combine your mortgage and life insurance for simplified payments. Click here to learn more.

Our Universal Life Joint solution offers:



  • Policies start at $50,000
  • Available to people ages 18-85
  • Permanent life insurance for two people with a single death benefit
  • Option for surviving partner** to purchase life insurance without underwriting if partner passes away
  • An income-tax free* death benefit and cash value accumulation, as long as you pay enough in premiums
  • The cash value of your policy earns a “current” interest rate, which can fluctuate over time, but the cash value will never earn less than the guaranteed interest rate



  • Adjust your policy’s coverage and premium payments
  • Choose to pay your premiums monthly, quarterly, semi-annually, or annually
  • Payments can be automatically deducted from your bank account for simplicity and ease


Options & Extra Benefits


Download our Universal Life Info Sheet

*According to tax laws IRC Sections 101 & 7702. **The surviving must be under age 71 for this option to apply.


How is Universal Life flexible?

  1. You get a promotion and purchase a bigger house and need to increase your coverage. You can adjust your policy to cover additional assets (application and underwriting required).
  2. Your children graduate from college, and your financial responsibilities decrease. You can reduce the coverage amount of your policy and, as a result, lower your premiums.
  3. You want to increase your cash value. Increase your premium payments, so your cash value accumulates more quickly and earns more interest.

Here's what our members have to say:

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