Linking Spouses that may be Lead or Contact

Linking Spouses that may be Lead or Contact

We sell Medicare and Life Insurance Policies which are individual. However, we often sell to multiple members of the same family. For Medicare, one spouse may become a contact (our Leads remain leads until they have a deal and we then converted to contact) but the other spouse remains a lead until they turn 65 and then have a Deal. I have spent 30 minutes on the phone with an onboarding specialist and they offered the suggestion for a lookup field but I am wrestling with how best to do this. Do I use Accounts and modify it for families, do I create a new Module Families? How have all of you using this for insurance sales done this?