In this paper we study an optimisation problem for a couple including two breadwinners with uncertain lifetimes. Both breadwinners need to choose the optimal strategies for consumption, investment, housing and life insurance purchasing during to maximise the utility. In this paper, the prices of housing assets and investment risky assets are assumed to be correlated. These two breadwinners are considered to have dependent mortality rates to include the breaking heat effect. The method of copula functions is used to construct the joint survival functions of two breadwinners. The analytical solutions of optimal strategies can be achieved, and numerical results are demonstrated.