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Spouse Plan

Life insurance has traditionally been designed to cover the life of the primary breadwinner of a family. However, with changing times, particularly with the rise in the number of working couples, an increasing need is now being felt for life insurance cover for the spouse also. One way to effectively do this is by opting for a joint life cover.

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Benefits of Spouse Plan


  • A key reason why couples could consider getting any type of joint life insurance is to avail of the premium waiver benefit, as it turns out to be cost-effective in the long run. If one partner passes away, the surviving spouse is not only entitled to receive the full assured sum on the primary policyholder’s cover, but he/she also does not have to pay future premiums to keep his/her cover for this type of joint life insurance in force.

  • In some policies of this type of joint life insurance, in case of one partner’s death, the beneficiary may opt to receive either a lump sum or monthly payments for up to 10 years.

  • It makes sense for a couple to assess their life situation before zeroing in on a joint life insurance plan.

  • Ensure the well being of your spouse with MWP act

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