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Keep your life cover separate – Moneyfacts

The message that separate life cover for couples can offer better value for money than a joint policy is still not getting through, according to the latest Investment Life & Pensions Moneyfacts survey.

The survey says that there is little price difference between the two and that having two single life policies offers the advantage of greater flexibility, particularly in the event of divorce.

Moneyfacts says that while the latest Swiss Re annual report shows more than two million new term assurance policies were sold in the UK last year, 30 per cent up on 2001, the case for keeping life insurance arrangements separate is still not understood.

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