Joint Cover:

At Ant Insurance we do not supply "joint cover". You should apply for individual cover as our premiums are calculated according to an individual's income, age and cover selection. Whilst we appreciate this will necessitate two Direct Debit payments, there are significant advantages to having two individual policies rather than one joint one:

Standard Joint Cover:

• Generally no cheaper - it is just twice the cost of that provider's individual cover
• Claims can be cut if one of you is still working
• Only the main income earner may receive benefit if both of you are unable to work

Individual cover benefits:

• If one of you claims the income from the other is not deducted from the benefit
• Each of you can cover up to 65% of your gross monthly income
• You can individually take advantage of the flexibility of 3, 6 or 12 months benefit and variable cover options