Life insurance in Dénia from Generali Vida — term life, mortgage protection, whole-of-life and critical illness cover for expats in Dénia and the Costa Blanca. New policies accepted up to age 69. English-speaking agents with office in Jávea.
👤By Andrew Turner · In insurance since 2001, exclusive Generali agent since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026
Life Insurance in Dénia — Generali Cover
Life insurance in Spain (seguro de vida) provides your family with a lump-sum payment on your death — protecting your mortgage, covering inheritance tax and ensuring your loved ones are financially secure. As authorised exclusive Generali agents based in Jávea, we arrange life insurance for expats across Dénia and the wider Marina Alta, Alicante area, with policies available in English and premiums from €18/month.
For expats with a Spanish mortgage, mortgage protection life insurance (decreasing-term cover) is almost always required by the lending bank. Rather than taking the bank's own more expensive policy, most expats save €200–€600 per year by arranging independent cover through us — identical protection, significantly lower premium. We provide the bank with a certificate confirming equivalent cover within days.
We cover all types of expats in Dénia — retired residents, non-lucrative visa holders, digital nomads, self-employed autónomos and new arrivals still navigating the Spanish system. All advice is in English, all documents are available in English, and our office in Jávea is 18 minutes (AP-7 motorway) from Dénia.
Life Insurance Dénia — Local Considerations
For expats living permanently in Dénia, life insurance intersects with two specific local issues: Spanish inheritance tax (ISD) and Spanish mortgage requirements. The Comunidad Valenciana (which includes Dénia) applies a 99% ISD reduction for direct heirs (spouses and children) on inheritance up to €100,000. For larger estates or more distant beneficiaries, life insurance structured through a correctly-nominated beneficiary provides a faster, more tax-efficient way to transfer assets than going through the Spanish inheritance system.
If you are buying property in Dénia with a Spanish mortgage, your bank will require life insurance as a loan condition. Generali's mortgage protection policies satisfy every Spanish bank's requirements — we provide the necessary certificate in your bank's preferred format within 48 hours of policy inception.
How to Get a Quote
Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00.
Tell us about your life insurance — we will ask a few quick questions about your situation, the property or vehicle to be insured, and your existing cover.
We compare options — as authorised Generali agents, we present the plans that match your needs and budget. No pressure, no obligation.
Your policy is set up — once you are happy, we arrange everything and send your certificate and English-language policy documents promptly.
Approximate Life Insurance Pricing — Dénia
Monthly premiums for a non-smoker in the Marina Alta, Alicante area:
Younger applicant (35)
from €18/mo
€150,000 level term cover
25-year term
Mortgage decreasing option
Critical illness add-on available
Most Popular
Mid-age applicant (45)
from €42/mo
€200,000 level term cover
20-year term
Family income benefit option
Whole-of-life available
Older applicant (55)
from €110/mo
€300,000 level term cover
15-year term
Inheritance tax planning
Medical exam may be required
Prices shown are typical starting points and depend on your individual circumstances. Contact us for a free personalised quote.
Frequently Asked Questions — Life Insurance in Dénia
For mortgage protection specifically, you need a decreasing-term policy with an initial sum assured equal to your mortgage balance — the cover reduces each year in line with the outstanding loan. This is the minimum required by Spanish banks. For broader family protection beyond the mortgage, a common rule of thumb is 5–10 times your annual income as additional level-term cover. Many expats in Dénia hold both: a decreasing-term policy to satisfy the bank, plus a level-term policy for family protection. We calculate the right combination at quotation.
Yes — Generali accepts new applicants up to age 69, which is higher than most Spanish competitors. At age 60-69, medical underwriting becomes more thorough — a full medical questionnaire is always required, and a medical examination may be requested for higher sum assured amounts. Premiums are higher for older applicants, but cover is available and the application process is straightforward. We guide you through the underwriting process in English and manage the relationship with Generali's underwriting team on your behalf.
Life insurance payouts are subject to Spanish Impuesto sobre Sucesiones y Donaciones (ISD) in the hands of the beneficiary. In the Comunidad Valenciana (which includes Dénia), direct heirs (spouse, children) benefit from a 99% reduction on the first €100,000 of inheritance — in practice meaning most smaller payouts are effectively tax-free for immediate family. For amounts above €100,000 or for more distant beneficiaries, tax planning becomes important. The key strategy is to name beneficiaries explicitly on the policy rather than directing the payout through the estate — this speeds up payment and can improve the tax position. Always discuss with a Spanish gestor.
More questions?Contact us for free English-speaking advice — 966 461 625.
Life Insurance Dénia — Get a Free Quote
GENERALI LIFE INSURANCE · DÉNIA, COSTA BLANCA · FREE ENGLISH-SPEAKING ADVICE