Unveiling the Choice: Joint Life Protection vs. Dual Life Protection

When it comes to securing your home and ensuring a stable financial future, a Mortgage Protection policy is an indispensable asset. This policy offers the reassurance that your mortgage will be paid off in the event of an untimely death, providing a safety net for your loved ones. However, as you embark on this critical decision, it’s important to understand the distinction between joint life protection and dual life protection, and how each aligns with your specific needs.

Joint Life Protection vs. Dual Life Protection:

Choosing between joint life protection and dual life protection marks a significant decision. In a joint-life policy, both you and your partner share a mortgage, and should either of you pass away within the policy term, the payout will be made to clear the mortgage. It’s essential to note that a joint-life policy entails a single payout in the event of death, with no remaining cover.

Conversely, a dual-life policy extends the same level of cover to both you and your partner. If, tragically, one person passes away, and the mortgage balance, say €200,000, is covered by the policy, the payout will clear the mortgage. However, the remaining life cover of €200,000 remains for the surviving partner. This feature distinguishes a dual-life policy from a joint-life one, where no residual cover persists after mortgage clearance. Importantly, if both lives assured were to pass away, the policy pays out on each life, resulting in a higher total payout.

Benefits of Dual Life Protection:

Dual Life Mortgage Protection is available at the same price as a joint-life premium. Though individual premiums depend on factors like age and smoking status, opting for dual life can be cost-effective and strategic. Not only does dual life provide comprehensive cover, but it also offers continued life coverage even after the mortgage is settled.

Why Choose Wisely:

Protecting your mortgage is a pivotal aspect of your financial plan. Selecting the right policy type – joint-life or dual-life – is foundational. Understanding the nuances between these options empowers you to make an informed decision that guarantees thorough coverage and peace of mind. A Mortgage Protection policy is not merely a financial obligation; it’s a testament to your commitment to securing your home and supporting your loved ones in times of uncertainty.

Seeking Financial Advice at Ezfees Financial:

In today’s dynamic landscape, seeking sound financial advice is more crucial than ever. At Ezfees Financial – Mortgage, Pension & Life Brokers, our dedicated advisors ensure you’re well-prepared for whatever the future holds.

Your Home, Your Family, and Your Future:

Our commitment revolves around Your Home, Your Family, and Your Future. We’re passionate about transforming your financial aspirations into reality.

Take Action Today:

For a brighter financial future, connect with us at Ezfees Financial. Whether you’re navigating the realm of Mortgage Protection or seeking comprehensive financial guidance, our team is here to support you. Call us today at 0818 910800 or send your inquiries to info@ezfeesfinancial.ie.


The choice between joint life protection and dual life protection holds significant implications for your financial security. By understanding the distinctive features of each, you can choose the option that aligns with your goals and priorities. At Ezfees Financial, we’re dedicated to guiding you toward a future that’s financially secure and full of promise. Reach out today to make informed decisions that safeguard Your Home, Your Family, and Your Future.

Business Owner Consultation

Your business is your baby, so it deserves protection. Our team of experts will guide you through informed decisions to provide tailored policies. Shield your business against unexpected setbacks and ensure stability, whether you’re a startup or an established corporation. We’ll create a financial plan that will guide the balance of your personal finances and your long-term business goals.

What’s in this for you? Discuss your business finances in confidence with trustworthy advisors to:
1) Create a money management plan to suit your business
2) Align your business and personal objectives
3) Get clarity and validation on your strategies from dedicated Financial Advisors committed to safeguarding your business finances
4) Be advised when you need to speak to Tax Advisors where relevant
5) Obtain guidance onto Owner/Director on Pension planning and legislation
6) Referral to a Life/Business Coach where relevant

Plan for your business’s long-term financial goals:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your business and your future

Investment Consultation

With low deposit rates and high inflation rates, savings and investment plans are appealing right now. We understand what it’s like to make sacrifices to accelerate your savings goals so you can achieve your dreams. That’s why we provide expert guidance so you can take charge of your future without sacrificing your valuable time.

What’s in this for you? Why you should consider savings and investment plans?
1) The potential for higher returns
2) Flexibility in the amount you save
3) Short, medium and long term options to suit your goals, amounts and terms to save
4) Investment options appropriate to suit your needs and goals

How you can save to secure your dreams:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Mortgage Consultation

Whether you are a first-time buyer, mover, switcher or looking to invest in a rental property, we have a mortgage solution to fit your unique situation. Over 60 and looking to release equity in your home to support your children, go on that dream holiday or pay off bills? We find the mortgage most suitable for you and your family’s needs and support you through the entire process. You’re guaranteed to find the best mortgage option for your financial needs and goals, with impartial advice and competitive rates.

Clear, simple, actionable advice for all your mortgage needs:
1) First time buyers
2) First Home Scheme/ Local Affordable Authority Scheme
3) Switchers
4) Home Movers
5) Investment Property
6) Self Employed
7) Contract Workers
9) Lifetime Loan (over 60’s equity release)

How you can get started:
1. Share your journey with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Financial Planning Consultation

Secure your future and that of your loved ones beyond homeownership with life assurance, income protection and pension advice. Whatever your stage of life or money situation, our team of experts will help you make informed decisions to safeguard your financial future.

What’s in this for you? Planning your future, helps make your dreams a reality:
1) Start by creating a money management plan
2) Work with our dedicated Financial Advisors committed to safeguarding your future
3) Helping you get the guidance you need to achieve your long-term financial goals

Safeguard your financial future today:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your Financial Future