Both these policies are for two people e.g. yourself and your partner.
With a joint policy, there is usually only one payout made e.g. serious illness cover or life benefit, and then the policy ends.
With a dual policy, each person on the policy can claim. For example, if the first person dies during the term and a lump sum is paid out, the benefits will continue for the other person until the term ends.
You may pay more for a dual life policy because it offers more protection, but this isn't always the case so it's worth shopping around for quotes.
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