Life Insurance Claim Spain

How to make a life insurance claim in Spain

A life insurance (seguro de vida) claim is made by the beneficiaries after the death of the insured person. It is a difficult time, so the aim of this guide is simply to make the process clear. As your Generali agent we handle the paperwork and liaise with the insurer in English, so the family can focus on what matters.

1. Notify the insurer

Let Generali know as soon as practical — you can use the claims line or MI GENERALI portal above, or call us and we’ll open the file for you. There is no rush in the first days; benefits are not lost by taking a little time to gather documents.

2. Gather the documents

The insurer will ask for proof of death and of who is entitled to claim. Typically that means:

• The literal death certificate (certificado de defunción)
• The medical certificate stating the cause of death
• The policy details and the beneficiaries’ ID (DNI/NIE/passport)
• The Certificado de Actos de Última Voluntad (last-wishes / will registry certificate) and, where relevant, the will
• A bank certificate for where the benefit should be paid

3. Who receives the payout

The money goes to the beneficiaries named in the policy — which can differ from the heirs of the estate, so it’s worth checking your policy lists the people you intend. If the policy is linked to a mortgage, the benefit usually clears the outstanding loan first, with any balance going to the beneficiaries.