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28 May 2024
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Cheap Family Income Benefit Male & Female Age 45

Joint Family Income Benefit Insurance for 45 Year Old Male & Female

Compare the cost of joint family income benefit insurance policies with two separate family income benefit policies with our best buy tables.

Below you can see the monthly rates available with our discounted premiums for a joint life £12000 per annum policy over 20 years for a male & female non-smoker both aged 45 as of the 15/06/2023. These premiums quoted are for illustrative purposes only. The premiums are based on an applicant being in good health and the actual rates you will receive will be dependent upon your health and individual circumstances at the time of application.

To compare the cost with two single life plan simple click on the options to the left or complete the details on our life insurance quote form for an instant quote for your own personal circumstances.

Cheapest Price for two separate policies

The cheapest price for two separate policies with is £23.26 ( £11.63 LV male & £11.63 LV female ), compared with the cheapest joint policy of £19.18 below.

Family Income Benefit Insurance Quote:

Cover for: Male & Female Age 45 Non Smoker Rates Apply

Type of cover : Family Income Benefit Insurance

Term policy: 20 years


Our Premium

Standard Premium

You Save


Instant Quote




£626.40 over term





£710.40 over term


L & G



£703.20 over term


Royal London



£369.60 over term










£734.40 over term


Joint Life Insurance Advice

With Go Direct you are able to obtain quotes for a joint family income benefit and two separate polices however some of the life assurance companies will offers a multi policy discount which will not be shown. This multi policy discount could be as high as a £1.50 per month saving on your total monthly premium. To find out more about these discounts please call us on 01603 271108 or complete our life insurance advice enquire form and and advisor will contact you.

Read More About Your Life Insurance Options

We have information and explanation on all your term life insurance options on our information pages on term life insurance, life critical illness insurance, family annual income benefit and critical illness insurance.

Go Direct.co.uk is a trading style for website purposes of Go Direct UK Ltd.

Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority Registered in England & Wales Company 5703224. FCA Number 456600

Compare Joint Family Income Benefit Insurance for 45 Year old with Go Direct