Does Life Insurance Cover Both Spouses? 
Typically , each person has there own life insurance policy . However , a spousal rider can be added to a life policy to be included . This can cause an issue depending on how it is written . Some cases , if the primary dies first and the death claim is paid , the policy ends and the spousal rider no longer exists leaving them uninsured . I recommend buying personal policies for a number of reasons such as divorce , terminal illness , chronic illness which can cause contract issues in the future when two people are on the same plan . 