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Alberto Said:

which is best joint insurance or single for couple taking out a mortgage?

We Answered:

It depends on whether the mortgage is a repayment or interest only!

if a repayment then you both need decreasing term insurance (actually a special form of if to cover the decreasing amount of the mortgage) - e.g. you take out the policies and put the benefit into trust for the partner.

if interest only then you need level term insurance on the same basis.