This form of insurance cover allows a couple to get protection but mainly covers the primary person stated in the insurance policy. Both parties are covered but if the person who dies is the stated principal for the policy, this leaves the second insured uncovered and thus vulnerable to financial troubles. Insurance industry experts advise that both parties should get individual policies and the same goes for critical illness and income benefits which avoids leaving the person covered as secondary to the principal without necessary protection from the uncertainties of life. Get individual insurance for couples which might sound redundant but is assurance that both get ample coverage.