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Life Insurance Moraira

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Life insurance in Moraira from Generali Vida — term life, mortgage protection, whole-of-life and critical illness cover for expats. New policies accepted up to age 69. English-speaking agents based in Jávea.

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👤By Andrew Turner · In insurance since 2001, exclusive Generali agent since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026

Life Insurance in Moraira — 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 Moraira and the Marina Alta, Alicante (municipality of Teulada) area, with policies available in English from €18/month.

For expats with a Spanish mortgage in Moraira, mortgage protection life insurance is almost always required by the lending bank. Rather than taking the bank's own more expensive policy, most clients save €200-€600 per year by arranging an independent policy through us — identical protection, significantly lower premium.

We cover all types of expats in Moraira — retired residents, NLV/DNV visa holders, self-employed autónomos and new arrivals. All advice is in English, all documents available in English, and our Jávea office is 15 minutes via CV-740 from Moraira.

Life Insurance Moraira — Local Considerations

Moraira is one of the most sought-after expat destinations on the Costa Blanca — a sheltered bay, excellent sailing marina, upscale property market and a predominantly Northern European resident population.

For expats permanently living in Moraira, life insurance intersects with two specific considerations: Spanish inheritance tax (ISD) and Spanish mortgage requirements. The Comunidad Valenciana applies a 99% ISD reduction for direct heirs on inheritances up to €100,000. For larger estates, a life insurance policy with correctly-nominated beneficiaries provides a faster, more tax-efficient way to transfer assets. If you have a Spanish mortgage on your Moraira property, your bank will require life cover — we provide the required certificate in your bank's preferred format within 48 hours.

How to Get a Quote

  1. Call or email us — 966 461 625 or info@turnerinsurance.es — Monday to Friday, 09:30–15:00.
  2. Tell us your situation — we ask a few quick questions about what you need to insure.
  3. We compare options — as authorised Generali agents we present the plans that match your needs and budget.
  4. Your policy is set up — we arrange everything and send your English-language documents promptly.

Approximate Life Insurance Pricing — Moraira

Monthly premiums for a non-smoker in the Marina Alta, Alicante (municipality of Teulada) 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 are indicative and depend on your individual circumstances. Contact us for a free personalised quote.

Frequently Asked Questions — Life Insurance in Moraira

Life insurance premiums in Moraira depend on age, smoking status, sum assured and policy term. Indicative monthly premiums: age 35, non-smoker, €150,000 level term, 25 years: approximately €18-€22/month; age 45, €200,000, 20 years: approximately €38-€48/month; age 55, €300,000, 15 years: approximately €95-€130/month. Critical illness cover adds approximately 20-40% to the base premium. Call 966 461 625 for a free personalised quote.
If you have a Spanish mortgage on a Moraira property, your bank will almost certainly require a life insurance policy as a condition of the loan — typically a decreasing-term policy with the sum assured equal to your outstanding mortgage balance. You are legally entitled to choose your own insurer rather than taking the bank's own policy, which is almost always significantly more expensive. We arrange the policy and provide the required bank certificate within 48 hours.
Yes — Generali accepts new applicants up to age 69, which is higher than most Spanish competitors. Above 60, a full medical questionnaire is always required and a medical examination may be needed for higher sums. Premiums are higher for older applicants but cover is available. We guide you through the underwriting process in English.

More questions? Contact us — free English-speaking advice: 966 461 625.

Life Insurance Moraira — Get a Free Quote

GENERALI LIFE INSURANCE · MORAIRA, COSTA BLANCA · FREE ENGLISH ADVICE

Get a Free Quote →📞 966 461 625