Buying a first home together is an exciting milestone — but it also brings big financial responsibilities. For couples in 2025, the mortgage is usually the largest monthly commitment, and losing one income could put the entire home at risk. That’s where life insurance for couples becomes a vital safeguard.

In this episode, we explain how couples life insurance can protect first-time buyers in Northern Ireland, England, Scotland, and Wales. If one partner were to pass away, the right policy ensures the surviving partner isn’t left with an unaffordable mortgage or the risk of losing the property.

We’ll explore the types of cover most relevant for first-time buyers:

• Decreasing term cover – designed to fall in line with a repayment mortgage.
  
• Level term cover – suitable for interest-only mortgages or when you want a fixed payout.
  
• Joint life insurance – popular with first-time buyers, though we’ll explain why two single policies can sometimes be a better long-term choice.
  

Listeners will also learn about add-ons like critical illness cover, which can pay off a mortgage if either partner is diagnosed with a serious illness. This is especially important for couples who may not have large savings to fall back on.

Practical advice includes:

• Matching policy length to the mortgage term.
  
• Choosing a sum assured that fully covers the outstanding balance.
  
• Avoiding common mistakes like under-insuring or letting cover expire before the mortgage ends.
  
• Comparing quotes for couples life insurance policies from multiple providers.
  

By the end of this episode, couples will see that life insurance isn’t an added burden — it’s what allows you to enjoy your first home with peace of mind. If you’re stepping onto the property ladder, this guide will help you protect both your mortgage and your future together.