Life insurance in Spain for expats
Licensed Broker
DGSFP Registered
Life insurance is about more than money – it's about knowing your family will be taken care of if something happens to you. We help expats in Spain arrange life cover that fits their real situation: international families, mortgages, children in different countries and changing plans. You get clear explanations in English, realistic cover suggestions, and access to several insurers in Spain.
Example for basic term life cover. Final price depends on age, health and sum insured.
Who is it for?
Expats, couples, parents, business owners and mortgage holders in Spain who want to make sure their loved ones are financially protected if something happens to them.
Activation time
Once your application is accepted and the policy is issued, cover can usually start within days. Some insurers may require a short underwriting process or medical checks.
Documents needed
ID or passport, residency details, income information, basic health questionnaire and the amount of cover you'd like.
Languages available
We explain everything in clear English and Spanish. Some insurers also provide policy documents and support in other languages.
Life insurance plans for expats in Spain
Choose the level of protection that matches your family's needs and budget
Term Life – Essential
BEST FOR:
- • Young professionals or couples starting out in Spain
- • People who mainly want to cover a mortgage or basic family expenses
NOT RECOMMENDED FOR:
- • Those wanting combined life + critical illness cover
- • Very large families or complex financial situations
Term Life – Family Protection
BEST FOR:
- • Families with children or dependants in Spain or abroad
- • Main earners who want enough cover to replace several years of income
NOT RECOMMENDED FOR:
- • People looking for investment/savings elements
- • Very short-term expats staying only 1–2 years
Life & Critical Illness – Premium
BEST FOR:
- • Families who want broader protection beyond death cover
- • Main earners worried about the impact of serious illness on income
NOT RECOMMENDED FOR:
- • Tight budgets focused only on basic death cover
- • People with complex existing health issues (needs individual review)
How it works
Getting started is simple with our streamlined process
Talk through your situation and goals
We start with a short conversation to understand your family, income, debts, children, and plans. You don't need exact numbers yet – we help you estimate a sensible level of cover.
Compare life insurance options
We look at life insurance offers from multiple insurers in Spain and shortlist plans that fit your budget and coverage needs, explaining the differences in plain English.
Apply and complete any health questions
We support you through the application process, including health questionnaires and, if required, basic medical checks. You always see the terms clearly before accepting.
Your family is protected
Once the policy is active, your beneficiaries will receive a lump-sum payout if something happens to you during the term, according to the policy conditions. We're here to help them navigate the claim process if it's ever needed.
What life insurance covers in Spain
Understanding what's included, what can be added, and what's typically excluded
Included
- Lump-sum payout to your chosen beneficiaries on death during the policy term
- Cover for death due to illness or accident (subject to policy conditions)
- Option to link cover amount to a mortgage or specific debt
- Choice of level cover (fixed amount) or decreasing cover (reducing with mortgage)
- Valid cover while living in Spain, subject to residency and policy rules
- Beneficiaries you nominate (family, partner, children, etc.)
- In combined plans: payout upon diagnosis of certain critical illnesses (if included)
Optional add-ons
- Critical illness cover (e.g. cancer, heart attack, stroke – depending on policy)
- Total and permanent disability cover
- Additional accident death benefit
- Higher coverage amounts for families or business owners
- Indexation (automatic increases to help keep up with inflation)
- Joint life cover for couples (one policy covering two lives)
- Business-related life cover (e.g. key person cover for company owners)
Not covered
- Death due to excluded activities (e.g. certain extreme sports if not declared)
- Fraud, misrepresentation or non-disclosure of important health information
- Death in countries under active war or sanctions (depending on policy)
- Critical illnesses not listed in the policy conditions
- Existing serious conditions that were not declared on application
- Non-payment of premiums leading to lapse of the policy
Why choose us for life insurance?
Here's why thousands of expats trust us with their family's protection
We specialise in expats and international families
Your life isn't 'typical Spanish' – your family, assets and future plans may span several countries. We help you choose life cover that reflects that reality.
Clear cover amounts, based on your real needs
We don't push the biggest sum insured possible. Instead, we help you calculate what your family would actually need to stay secure.
Multiple insurers, one point of contact
We compare several life insurance providers in Spain and help you understand differences in price, flexibility and underwriting – without you having to start from zero with each company.
Support in English throughout the process
From the first call to possible future claims, you have access to English-speaking support so nothing important is lost in translation.
Help for your family if a claim is needed
If the worst happens, your loved ones can contact us for support with the claim process. We can guide them on which documents are needed and what to expect.
Flexible options as your life changes
Moving house, having children, starting a business – life changes. We help you review your cover over time, so your life insurance stays aligned with your situation.
Life insurance FAQs for expats in Spain
Related guides
Learn more about insurance in Spain
Life Insurance in Spain for Expats – 2026 Guide
Complete guide to life insurance policy types, coverage amounts and critical illness options
Insurance Broker in Spain – How We Help Expats
Why working with a licensed broker makes insurance easier for expats in Spain
Home Insurance in Spain for Expats – 2026 Guide
Complete guide to protecting your home and belongings in Spain
Based on 847+ reviews from expats across Spain
We bought an apartment and realised we had no life cover in Spain. They helped us choose a term life policy tied to our mortgage, explaining everything in English. It feels like a big weight lifted.
Sarah & David
Valencia
As the main earner with two kids, I wanted to know they'd be okay if something happened to me. The advisor helped me find a sensible level of cover without overselling.
Mark T.
Barcelona
We're an international family with relatives in different countries. They understood the complexity and made sure the policy would work for our situation.
Isabel K.
Málaga