Life Insurance for Unmarried Couples

Are you looking to insure your significant other? Getting life insurance for unmarried couples is not that hard. The main hurdle is proving that you have an insurable interest in your partner. Sharing a lease, debt, or children are common ways people prove insurable interest. You can always get a life insurance policy for yourself and name them as the beneficiary too. Read more to learn about the life insurance opportunities for unmarried couples and the best way to get life insurance rates for unmarried couples.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • More couples are living together without being married than they have in previous decades; some estimates say nearly 10 percent of U.S. adults live with a partner and are not married.
  • Just because you are not married doesn’t mean life insurance coverage is not important to your financial future as an individual and as a couple.
  • You don’t have to be married to get a life insurance policy on your partner, you just have to show you have an insurable interest.

Life insurance is a standard step married couples take to protect their shared assets, interests, and debts, but you don’t have to be married to someone to share all of the above.

You might not be thinking about life insurance, but term life insurance coverage is just as important to unmarried couples as it is to married couples.

Life insurance for unmarried couples is pretty straightforward. In fact, there are not many situations where it differs from life insurance for married couples. More and more Americans are living with a partner and remaining unmarried. Life insurance companies have kept up with the times.

Securing a life insurance policy on your boyfriend, girlfriend, partner, or fiance shouldn’t be difficult. If you are having difficulties taking a life insurance policy out on your partner, read more to find out what steps to take.

If you’re ready to start comparing the best insurance rates in your local area, enter your ZIP code above for affordable life insurance for unmarried couples. Not yet ready to buy life insurance for unmarried couples? Read on to learn more.

Can I get a life insurance policy on my boyfriend or girlfriend?

Yes, you can get a life insurance policy on your boyfriend or girlfriend, but there are some things you need to do so. There are things you need to do regardless of if you are looking for a joint life insurance policy for unmarried couples or looking for some other policy.

First (and most importantly), you need your partner’s consent to buy a life insurance policy on them. They will have to sign official paperwork with the insurance company and undergo a medical exam.

Secondly, you need to demonstrate to the life insurance company that you have an insurable interest. With married couples, insurance companies rarely have to look twice to justify insurable interest, but with unmarried couples, you may need to do a little work to show that you an insurable interest in the matter.

How do I show I have an insurable interest?

Showing the life insurance company that you have an insurable interest in your boyfriend or girlfriend should not be too difficult. If you are both named on a lease, a debt like a car loan, own a house together, or have children together, you will have sufficient insurable interest.

In these situations, getting life insurance for fiance, boyfriend, or girlfriend is no issue. Insurance companies can see a clear insurable interest.

However, there are certain circumstances that may make it difficult, if not downright impossible, for you to get insurance on your boyfriend or girlfriend.

One, if you just started dating someone, the insurance company is not going to take your claim of insurable interest seriously. At this point in your relationship, you really don’t have a financial interest in the other person. Your lives have not gotten to the point together where you share debts, etc.

Two, if you don’t live with your boyfriend or girlfriend, you will have a harder time getting a life insurance policy on them, though if you share a debt or a child, you have a better chance. In most cases, though, if you’re not living with your partner, it will be difficult to demonstrate an insurable interest.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Finally, if you are not dependant on your partner financially, there is very little chance the life insurance company will give you a policy on them.

Life insurance is meant to offset the financial difficulties caused by a death. These policies are not meant for profit, so if you won’t be put out financially by your partner’s passing, you’re not likely to get a policy for them.

The insurance company won’t let me take out a policy on my partner, what do I do?

If you’re denied domestic partner life insurance coverage by the insurance company, you can still protect both of your financial futures.

The insurance company won’t let you take out a policy on your partner, but there is nothing stopping your partner from taking out a life insurance policy for themself and naming you the beneficiary. How much life insurance do you need to buy?

Many couples purchase their life insurance like this even if they are married. It is far simpler to buy a life insurance policy for yourself and name your boyfriend or girlfriend as the beneficiary. Life insurance companies will not sell you life insurance on strangers.

If you’re having difficulties getting a life insurance policy on your partner, try getting your own life insurance policy instead. Encourage your partner to do the same so both of you can be protected in the event that something should happen to either one of you.

Apply for Life Insurance Coverage Today

If you’re thinking about getting life insurance, it is time to apply. Life insurance coverage is more affordable when you are young. The longer you wait to purchase life insurance, the more expensive it will be.

Average Monthly Life Insurance Rates by Age
AgeAverage Monthly Rates for a Male, $100,000 PolicyAverage Monthly Rates for a Female, $100,000 PolicyAverage Monthly Rates for a Male, $250,000 PolicyAverage Monthly Rates for a Female, $250,000 PolicyAverage Monthly Rates for a Male, $500,000 PolicyAverage Monthly Rates for a Female, $500,000 Policy
25$11.03$10.02$22.10$12.91$23.19$19.04
30$11.12$10.07$15.31$13.02$23.85$19.26
35$11.12$10.07$15.42$13.02$24.07$19.26
40$12.65$11.12$17.94$15.21$29.10$23.63
45$14.57$13.31$21.55$19.69$36.32$32.60
50$18.60$17.20$30.19$27.02$53.60$47.26
55$24.51$20.61$42.88$34.35$78.98$61.91
60$35.88$27.48$71.10$50.86$78.98$94.94
65$51.06$37.76$109.82$75.14$212.85$143.51
Get Your Rates Quote Now

Compare RatesStart Now →

You want to protect your boyfriend or girlfriend in the event that you pass away. Life insurance coverage can give you the peace of mind that the people you care about will be protected after you pass.

There are a lot of great life insurance resources to help you make the best decision for your life and your partner.

If you’re ready to start comparing quotes today, enter your ZIP code below for life insurance quotes for unmarried couples. Which life insurance company for umarried couples is for you? Find out now.

References:

  • https://legal-dictionary.thefreedictionary.com/insurable+interest

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. BBB