Best Life Insurance for Unmarried Couples in 2024 (Top 10 Companies)
The best life insurance for unmarried couples are offered by State Farm, USAA, and Allstate providing competitive rates, with discounts up to 20% ensuring financial security and protection for partners committed to safeguarding their future. Compare quotes for your peace of mind.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Oct 18, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Full Coverage for Unmarried Couples
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
6,435 reviewsCompany Facts
Full Coverage for Unmarried Couples
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
11,413 reviewsCompany Facts
Full Coverage for Unmarried Couples
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
With comprehensive coverage tailored to diverse profiles, these companies stand out for their commitment to providing the best life insurance options for unmarried couples. State Farm, in particular, offers flexible coverage options, exceptional customer service, and a wide range of policy choices.
Our Top 10 Company Picks: Best Life Insurance for Unmarried Couples
| Company | Rank | Multi-Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Partner Discounts | State Farm |
 | #2 | 10% | A++ | Comprehensive Coverage | USAA |
 | #3 | 25% | A+ | Relationship Discounts | Allstate |
 | #4 | 20% | A+ | Multi-Policy Benefits | Nationwide |
 | #5 | 10% | A+ | Customizable Policies | Progressive |
 | #6 | 25% | A++ | Flexible Options | Geico |
 | #7 | 25% | A | Newlywed Discounts | Liberty Mutual |
 | #8 | 10% | A+ | Online Convenience | Esurance |
 | #9 | 25% | A+ | AARP Membership Benefits | The Hartford |
 | #10 | 25% | A+ | Dividend Policies | Amica |
These are the top providers for unmarried couples offering reliable and affordable life insurance coverage. You can get free quotes for life insurance and secure financial protection for your loved ones by entering your ZIP code into our tool above.
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#1 – State Farm: Top Overall Pick
Pros
- Partner Discounts: State Farm offers up to 17% multi-policy discount, making it an excellent choice for unmarried couples looking to bundle their insurance.
- Wide Coverage Options: With flexible policy options, State Farm provides comprehensive coverage to cater to various needs.
- Reputable Company: State Farm insurance review & ratings show that it is a highly regarded insurance company with a solid financial reputation.
Cons
- Limited Low-Mileage Discount: While State Farm offers a multi-policy discount, its low-mileage discount is capped at 10%, potentially less appealing for low-mileage drivers.
- Varied Discounts: Some discounts may vary based on location and individual circumstances, potentially making it challenging for some customers to maximize savings.
#2 – USAA: Best for Military Excellence
Pros
- Comprehensive Coverage: USAA is recognized for its comprehensive coverage options, ensuring that unmarried couples can tailor their policies to meet specific needs.
- Exclusive Membership: USAA insurance review & ratings discuss exclusivity to military members and their families, offering a specialized and dedicated service.
- Multi-Policy Savings: With up to 10% multi-policy discount, USAA encourages customers to bundle their insurance for increased savings.
Cons
- Limited Eligibility: The exclusive eligibility criteria may restrict access for those outside the military community.
- Moderate Low-Mileage Discount: The 5% low-mileage discount may be less competitive compared to other providers.
#3 – Allstate: Best for Relationship Discounts
Pros
- Relationship Discounts: Allstate offers up to 30% multi-policy discount, making it attractive for unmarried couples seeking significant savings.
- Generous Multi-Policy Benefits: Allstate insurance review & ratings discuss significant benefits to customers who bundle their insurance, including a potential 25% multi-policy discount.
- Nationwide Presence: Allstate’s widespread presence ensures accessibility and ease of service for customers across the country.
Cons
- Higher Premiums: While discounts are available, Allstate’s base premiums may be relatively higher compared to some competitors.
- Varied Discount Rates: The range of discount rates may be confusing for some customers, and not all may qualify for the maximum savings.
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#4 – Nationwide: Best for Customized Coverage
Pros
- Multi-Policy Benefits: Nationwide offers up to 20% multi-policy discount, providing attractive savings for unmarried couples bundling their insurance.
- Customizable Policies: In a Nationwide insurance review & ratings, customers have the flexibility to customize their policies to suit their individual needs.
- Established Provider: As a well-established insurer, Nationwide’s longevity and experience inspire confidence in its reliability.
Cons
- Moderate Low-Mileage Discount: The 8% low-mileage discount may be considered moderate, potentially making it less competitive for low-mileage drivers.
- Varied Customer Service Reviews: Customer service experiences may vary, with some customers reporting dissatisfaction.
#5 – Progressive: Best for Innovative Customization
Pros
- Customizable Policies: Progressive stands out with its customizable policies, allowing unmarried couples to create coverage that suits their unique requirements.
- Up to 30% Multi-Policy Discount: Progressive offers a substantial multi-policy discount of up to 30%, making it an appealing choice for bundled coverage.
- Innovative Services: Progressive insurance review & ratings are boosted by the company’s innovative use of technology and services, which greatly improves the overall customer experience.
Cons
- Limited Partner Discounts: While Progressive provides multi-policy benefits, it may not offer specific partner discounts, potentially limiting savings for unmarried couples.
- Varied Customer Service: Customer service reviews are mixed, with some customers expressing dissatisfaction with the claims process.
#6 – Geico: Best for Flexible Coverage Options
Pros
- Flexible Options: Geico’s focus on flexibility allows customers to choose coverage options that align with their needs, making it suitable for unmarried couples. Learn more about “How can I pay my GEICO insurance premium?“.
- Up to 25% Multi-Policy Discount: Geico offers a competitive multi-policy discount of up to 25%, providing significant savings.
- Digital Convenience: Geico’s online platform and digital services offer convenience and ease of management for policyholders.
Cons
- Potentially Higher Premiums: Geico’s base premiums may be higher for some customers, potentially offsetting the multi-policy discount.
- Limited Low-Mileage Discount: The 10% low-mileage discount may be considered moderate compared to some other providers.
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#7 – Liberty Mutual: Best for Newlyweds Savings
Pros
- Newlywed Discounts: Liberty Mutual provides up to 25% multi-policy discount, making it a favorable choice for newlywed couples seeking savings.
- Diverse Coverage Options: Customers have the flexibility to customize their policies to fit their needs with Liberty Mutual insurance review & ratings, thanks to a variety of coverage options available.
- Digital Tools: Liberty Mutual’s digital tools and online resources enhance the overall customer experience.
Cons
- Potentially Complex Discounts: The variety of discounts may be complex for some customers to navigate, potentially leading to confusion.
- Varied Customer Service: Customer service reviews are mixed, with some customers reporting delays and challenges in claims processing.
#8 – Esurance: Best for Seamless Online Convenience
Pros
- Online Convenience: Esurance focuses on online convenience, making it easy for customers to manage their policies and claims digitally.
- Up to 30% Multi-Policy Discount: Esurance offers a substantial multi-policy discount of up to 30%, providing significant savings.
- Variety of Discounts: Esurance insurance review & ratings offer a range of discounts, enabling customers to make the most of their savings depending on their eligibility.
Cons
- Limited Physical Presence: Esurance’s lack of physical offices may be a drawback for customers who prefer in-person interactions.
- Average Customer Service: Customer service reviews indicate average satisfaction, with some customers experiencing delays in communication.
#9 – The Hartford: Best for Tailored AARP Benefits
Pros
- AARP Membership Benefits: The Hartford offers up to 25% multi-policy discount, particularly beneficial for customers with AARP membership.
- Flexible Options: The Hartford provides flexibility in policy options, allowing customers to tailor coverage to their specific needs.
- Experienced Provider: The Hartford insurance review & ratings cater specifically to AARP members, leveraging their extensive experience and expertise to provide top-notch offerings.
Cons
- Limited Eligibility: The AARP membership requirement may limit access for those outside the eligible age group.
- Varied Customer Service: Some customers report mixed experiences with customer service, with delays in claims processing.
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#10 – Amica Mutual: Best for Customer-Centric Satisfaction
Pros
- Dividend Policies: Amica Mutual offers up to 25% multi-policy discount, and its dividend policies may lead to additional savings for policyholders.
- Customer Satisfaction: Amica Mutual consistently receives high marks for customer satisfaction, reflecting its commitment to service.
- Transparent Pricing: Amica Mutual is known for transparent pricing, helping customers understand the costs associated with their policies. Discover more on our “How does the insurance company determine my premium?“.
Cons
- Limited Physical Presence: Amica Mutual’s limited physical presence may be a drawback for customers who prefer in-person support.
- Fewer Discounts: While offering competitive multi-policy benefits, Amica Mutual provides fewer additional discounts compared to some competitors.
Life Insurance Costs for Unmarried Couples
When considering life insurance, unmarried couples often seek coverage that aligns with their unique financial situations and future plans. The choice between minimum and full coverage depends on individual needs, risk tolerance, and budget constraints. In the following section, we will delve into the specific coverage rates offered by prominent insurance companies.
Life Insurance Monthly Rates for Unmarried Couples by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $42 | $125 |
| Amica Mutual | $41 | $125 |
| Esurance | $39 | $115 |
| Geico | $36 | $110 |
| Liberty Mutual | $40 | $120 |
| Nationwide | $38 | $115 |
| Progressive | $45 | $130 |
| State Farm | $40 | $120 |
| The Hartford | $37 | $115 |
| USAA | $35 | $110 |
Examining the provided data on average monthly life insurance rates for unmarried couples reveals a spectrum of offerings across various insurance providers. The minimum coverage, representing a baseline level of protection, and the full coverage, providing comprehensive benefits, are essential considerations for couples navigating the intricacies of life insurance.
For those seeking the bare minimum protection, USAA stands out with a minimal monthly premium of $35, closely followed by Geico at $36. These rates provide a fundamental safety net, ensuring a basic level of financial security. However, it’s crucial for couples to carefully assess whether this minimum coverage adequately addresses their needs and potential future financial obligations.
On the other end of the spectrum, couples desiring extensive coverage may find Allstate and Amica Mutual appealing, both offering full coverage at $125 per month. These premiums reflect a more comprehensive package that not only safeguards against unforeseen circumstances but also provides a higher level of financial support in the event of a tragedy.
Between these extremes, other providers like Nationwide, Progressive, Liberty Mutual, Esurance, and The Hartford offer varying rates for both minimum and full coverage, allowing couples the flexibility to tailor their life insurance to align with their specific requirements and budget constraints.
Discover more information on our “7 Tips to Save Money on Life Insurance“.
Requirements for Life Insurance for Unmarried Couples
Can unmarried couples get life insurance? Marital status is one of the first things insurance companies look at when determining whether you can take out a life insurance policy on your partner. That’s because one of the primary things insurance companies consider is the financial impact of a death.
If you need life insurance, the purpose is to ease any financial hardship for the surviving partner if the other one were to die. If there are no shared financial responsibilities, then an insurance company could decide there would be no financial hardship.
Most insurance companies require proof of this financial burden for you to get life insurance on your significant other. Examples of this proof may be:
- Having children together
- Shared debts
- A jointly owned home
- Both partners’ names on a lease
Delve more details on our “Is it legal if two people own a home but only one person collects the home insurance?“.
.@StateFarm surveyed over 500 recently married millennials to find out their attitudes toward wedding expenses and larger life purchases. Here's how they responded: https://t.co/GpqXeFsf1B pic.twitter.com/eZ6pzKcBWT
— Jose Rosario State Farm Insurance Agent (@Joscarrosario) June 28, 2022
Essentially, you need to be able to show the insurance company that your partner’s death would transfer a significant financial obligation to you. This is also known as “insurable interest.”
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Types of Relationships Eligible for Life Insurance Coverage for Unmarried Couples
There are a few different types of relationships, and insurance companies will consider this when it comes to insurability. Here’s how each type may affect your ability to get life insurance.
First type is for life insurance for engaged couples. The quickest and easiest way to get life insurance on a partner is to get engaged. Even though you’re not married yet, as long as a date is set, most insurance companies will treat it as if you are already married. Knowing when should a newly married couple look into buying life insurance will be beneficial for them.
Brandon Frady Licensed Insurance Agent
Next is life insurance for domestic partnerships. Marriage and engagement aren’t the only legal relationship designations. In most states, it’s also possible to register a domestic partnership. Because a domestic partnership is recognized as a legal designation, insurance companies will typically treat this type of relationship the same as a marriage.
Not all states recognize domestic partnerships, though. So you’ll have to check with your state to determine whether this is an option. Another is life insurance for couples who live together. Getting life insurance on your partner before marriage is much easier if you’re in a legally recognized relationship. However, that doesn’t mean it’s impossible to get it without a legal designation.
You’ll need to prove that you share financial obligations with your partner, such that the death of your partner would cause financial hardship for you. The easiest way to do this for those who are not married or in a domestic partnership is by living together. If you can provide an insurance company with a shared mortgage or rental lease, you stand a good chance of qualifying for a policy.
Dani Best Licensed Insurance Producer
Last is life insurance for unmarried couples that live separately. The most challenging type of relationship when it comes to getting a life insurance policy on a partner is one in which you don’t live together. Unmarried couples who are not in a domestic partnership and maintain separate residences will find it difficult to get a policy.
However, there is still a chance if you can prove shared financial obligations. This could be in the form of a co-owned vehicle, shared debt, or other significant financial commitments for which both parties are legally responsible.
Getting Joint Life Insurance for Unmarried Couples
While marriage makes it easy to get life insurance policies on one another, you can still get coverage without ever saying “I do.” While not as simple as marriage, any legally recognized relationship status will make the process relatively painless. Getting engaged or registering as a domestic partnership are the next best things to marriage in the eyes of insurance companies.
Getting married also provides the opportunity for family life insurance. If you don’t want to get engaged and cannot register as a domestic partnership in your state, then moving in together with both names on either the mortgage or lease will significantly improve your chances of getting life insurance on your partner.
You may also explore our “Best Car Insurance for Domestic Partnerships“.
Obtaining Online Insurance Quote
Getting an life insurance quote online for unmarried couples is quick and easy. Follow these simple steps to secure the best coverage for your needs:
- Visit the insurance provider’s website. Go to the website of your chosen insurance provider.
- Navigate to the life insurance section. Look for the section dedicated to life insurance on the provider’s website.
- Enter your information. Fill out the online form with your personal details, including your age, gender, height, weight, and any relevant health information.
- Specify coverage preferences. Choose the type and amount of coverage you need, as well as any additional features you’re interested in.
- Get your quote. Once you’ve entered all the required information, you’ll receive an instant online quote based on your details and coverage preferences.
- Compare quotes. Compare quotes from multiple insurance providers to ensure you’re getting the best coverage at the most competitive price.
- Finalize your policy. Once you’ve found the right coverage for you and your partner, you can finalize your policy online and start enjoying the peace of mind that comes with knowing you’re protected.
By following these steps, you can easily obtain an online life insurance quote for unmarried couples and find the best coverage to suit your needs and budget. Remember to review the details of each quote carefully, including coverage limits, premiums, and any additional features.
Don’t hesitate to reach out to the insurance provider’s customer service team if you have any questions or need assistance during the quoting process. Once you’ve found the right coverage, you can enjoy the peace of mind that comes with knowing you and your partner are financially protected for the future.
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Case Studies: Best Life Insurance for Unmarried Couples
Here are a few case studies illustrating how different unmarried couples have found the best life insurance solutions to suit their needs and provide financial security for their loved ones.
- Case Study #1 – John and Sarah’s Financial Security: John and Sarah, in their early thirties, wanted financial security for each other. They opted for a joint term life insurance policy, giving them peace of mind and financial protection.
- Case Study #2 – Michael and Lisa’s Comprehensive Coverage: Michael and Lisa, a middle-aged couple, sought to secure their future. They chose a survivorship life insurance policy to ensure efficient transfer of their assets and estate, providing financial stability for their loved ones.
- Case Study #3 – David and Emily’s Mortgage Protection: David and Emily, in their late twenties, recently bought their first homeowners insurance for unmarried couples. They purchased individual term life insurance policies covering the mortgage balance, ensuring financial stability for the surviving partner.
- Case Study #4 – Mark and Jennifer’s Family Protection: Mark and Jennifer, with two young children, prioritized their family’s financial security. They chose a family income benefit policy, ensuring their children’s education and living expenses would be covered until adulthood.
- Case Study #5 – Alex and Taylor’s Business Continuity: Alex and Taylor, business partners, aimed to protect their shared business interests. They obtained a key person life insurance policy, ensuring business continuity and financial stability during transitions.
These case studies demonstrate how different unmarried couples have found suitable life insurance solutions to protect their financial futures and provide security for their loved ones. By carefully considering their individual needs and consulting with insurance advisors, they were able to find policies that aligned with their specific requirements and provided peace of mind for the future.
Conclusion: Ensuring Financial Security for Unmarried Couples
These case studies illustrate how unmarried couples can find suitable and best life insurance solutions to protect their financial futures and provide security for their loved ones. By carefully considering their individual needs and consulting with insurance advisors, they were able to find policies that aligned with their specific requirements and provided peace of mind for the future.
From joint term life insurance to survivorship policies and mortgage protection plans, there are various options available to unmarried couples to ensure their financial security and protect their loved ones in case of unexpected events.
Stop overspending on life insurance. Use our tool below to compare rates from top providers near you.
Frequently Asked Questions
Can unmarried couples get life insurance policies on each other?
Yes, unmarried couples can obtain life insurance policies on each other. However, they must prove shared financial obligations, which can be difficult.
Can engaged couples get life insurance policies on each other?
Yes, engaged couples can get life insurance policies on each other. As long as a date is set, most insurance companies will treat it as if the couple is already married.
What types of relationships qualify for life insurance for unmarried couples?
There are three types of relationships that may qualify for life insurance for unmarried couples. These include engaged couples, domestic partnerships, and couples who live together.
If you’re looking for affordable life insurance premiums, try our comparison tool below and find the cheapest coverage that fits your needs.
What is required for life insurance for unmarried couples?
Insurance companies require proof of financial burden or insurable interest to consider life insurance for unmarried couples. Examples of this proof may include joint bills, joint bank accounts, and joint loans.
Do insurance companies treat domestic partnerships the same as marriages?
Yes, insurance companies typically treat domestic partnerships the same as marriages because they are recognized as legal designations in most states. However, not all states recognize domestic partnerships, so it is important to check with your state to determine if this is an option.
Can I put my girlfriend on my life insurance?
Yes, you can purchase life insurance for another person as long as they consent to and are aware of the decision.
Can you get couples life insurance?
Some individuals may believe that a couples’ life insurance policy is exclusively for married or long-term partners. However, this is a misconception. A joint policy can provide coverage for any two individuals who financially support each other in some capacity.
Can a non spouse be a beneficiary?
Non-spouse beneficiaries have the option to receive distributions based on the longer of either their own life expectancy or the remaining life expectancy of the account owner if the account holder’s death occurs after the required beginning date.
What are the disadvantages of joint life insurance?
If one spouse has health issues, smokes, or is older, you will probably pay a higher premium than if both were in good health. Complications in case of divorce: The situation can become complex if the policyholders divorce.
Enter your ZIP code into our free quote comparison tool below to instantly compare life insurance quotes from trusted insurers near you.
Can you add your partner to your life insurance?
A joint life insurance policy provides coverage for both you and your partner under a single policy. In the event of either of your passing, the surviving partner will receive a lump sum payment. This money can be used for various expenses such as bills and mortgage payments, providing both of you with security in the face of unexpected events.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
