The award-winning presenters' career is forged on their strong friendship and the fact they're a double act so it's not that surprising they've taken precautions when it comes to the unthinkable.
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"I insure him and he insures me," explained Dec. "If something were to happen, then the other one would get a payout."
Ant added to Fabulous magazine: "It's six figures, I think. It's big! But it's not like anything evil is going to happen. I think I would be the first suspect if we were together and Dec suddenly fell off a cliff! I've got a big motive."
The pair said they think the insurance policy is actually up soon and they'll be looking into whether to renew it. "We have to figure out whether it's worth it!" laughed Ant. "We should check the premium first."
The I'm A Celebrity... Get Me Out Of Here! stars also touched on that furore that happened last year when they dared split up on the Australian jungle show to present different solo links.
Never again, they agreed!
"Christ," said Ant. "We've been warned off doing it now. Honestly, we didn't realise it would be such a big deal."
"We got on our Twitter feeds afterwards and were like, 'OMG, Britain has gone into meltdown!" Whenever we think of ideas, we think about how we would do it together."
The pair, who are both 41, first met as child actors on Byker's Grove, before forging a pop career as PJ and Duncan. They went on to become the UK's best known - and most successful - television presenters, fronting shows including Pop Idol, I'm A Celebrity, Britain's Got Talent and Saturday Night Takeaway.
They received OBEs this year for their services to entertainment and scooped their 16th National Television Award in a row in January, once again winning Best TV Presenter.
They signed a new deal with ITV last year, rumoured to be worth a whopping £30 million, meaning they'll stay with the channel until 2019.
At the time, they said: "We are absolutely delighted to be extending our relationship with ITV, to continue on the three shows we love as well as exploring further opportunities both in front of and behind the camera. This deal will take us past the 20-year mark with ITV and we couldn't be happier."
ITV's Director of Television, Kevin Lygo, added: "Ant and Dec are quite simply brilliant entertainers and I'm thrilled that we will be working together for another three years. They are incredibly passionate about television and have that rare ability to connect with audiences of all ages, which has helped make the shows they present some of the biggest on British TV."