Life Insurance in Spain for Expats
↓ Jump to Frequently Asked QuestionsEvery type of life and family protection insurance in Spain, arranged in English by authorised Generali agents. Start with the cover you need — life insurance cover, term life, mortgage protection, funeral insurance, critical illness or income protection — or call us and we will point you to the right one.
Get a Free Quote →📖 Read our in-depth Life Insurance in Spain guide for expats →
📊 Compare Life Insurance Spain — 2026 quotes & insurer comparison →
Types of Life Insurance in Spain
Choose the cover you need. Each page explains the policy in plain English — what is included, typical premiums, exclusions and how to get a quote.
Life Insurance Cover
The core Generali Vida policy — how life insurance in Spain works, cost from €18/month, cover to age 69, exclusions, inheritance tax and the cover calculator.
Full policy details → ⏳Term Life Insurance
A fixed lump sum if you die within a set term of 5–25 years. The most popular family protection option — level or decreasing cover.
Find out more → 🏦Mortgage Protection
Decreasing-term cover that tracks your Spanish mortgage — accepted by every Spanish lender and usually far cheaper than the bank's own policy.
Find out more → 🎗️Critical Illness Insurance
A lump sum on diagnosis of one of 17 listed serious illnesses — cancer, heart attack, stroke and more. Add-on to a life policy or standalone.
Find out more → 🌹Funeral Insurance
Decesos cover for all funeral costs, with optional UK & Ireland repatriation — no medical questions, no upper age limit, from €15/month.
Find out more → 🕊️Prepaid Funeral Plans
Prepaid plans vs funeral insurance — why DGS-regulated decesos cover usually beats an unregulated prepaid plan in Spain.
Compare the two → 🤕Incapacity Insurance
A daily income if illness or an accident stops you working — designed for autónomos and the self-employed in Spain.
Find out more → 🏥Daily Benefit Insurance
Income replacement while you are ill or in hospital (subsidio) — complements life and critical illness cover for working expats.
Find out more →Which Type Do I Need?
| Your situation | Best type of cover | Typical cost |
|---|---|---|
| Partner or children depend on your income | Life Insurance Cover (level term) | from €18/month |
| Spanish bank requires cover for your mortgage | Mortgage Protection (decreasing term) | from ~€25/month |
| You only need cover for a fixed period | Term Life Insurance | from €18/month |
| You want the funeral organised and paid for — possibly with repatriation | Funeral Insurance (decesos) | from €15/month |
| Over 69, or you want cover with no medical questions | Funeral Insurance — no age limit | from €15/month |
| A serious illness would leave you without income | Critical Illness add-on or Daily Benefit | adds €15–€35/month |
| Self-employed (autónomo) with no sick pay | Incapacity Insurance | quote by occupation |
Not sure? Call 966 461 625 — we will tell you in five minutes which policy fits, with no obligation.
Read the full policy in EnglishWe have translated the complete Generali Vida life insurance policy conditions — every guarantee, limit & exclusion.View conditions →Inheritance Tax and Life Insurance
Inheritance Tax in Spain — broken down by provinceWe have the inheritance-tax (ISD) rules, allowances and regional reductions for every Spanish region — with an interactive map. See exactly what your beneficiaries would pay where you live.View the guide & map →Life insurance payouts in Spain are subject to inheritance tax (ISD), and the rules differ by region — the type of policy and the beneficiary you name both matter. Estimate the bill with our Spanish inheritance tax calculator, and use the life insurance cover calculator on the life cover page to work out how much protection your family needs.
Making a Claim
If the worst happens, we guide your family through the whole Spanish claims process in English — death certificate, notary, beneficiary payout and the Modelo 650 inheritance-tax declaration. Step-by-step guides for each policy type:
Life Insurance Claim Guide
Documents, timescales and the beneficiary payout process for a Generali Vida life insurance claim in Spain — explained for families.
How to claim → 🌹Funeral Insurance Claim Guide
What to do first, the 24-hour Generali assistance line, and how the funeral and repatriation are organised under a decesos policy.
How to claim →Policy Conditions in English
We have translated the complete Generali policy conditions for every product in the life family — every guarantee, limit and exclusion, free to read before you buy:
Life Insurance Guides & Articles
📰 From our blog — life & protection
Frequently Asked Questions — Choosing Life Insurance in Spain
The questions expats ask us most often when deciding which type of life or protection insurance they need in Spain. For policy-specific questions, each product page above has its own detailed FAQ.
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 your situation — we will ask a few quick questions about what you need to cover, your age, location, and any existing policies you hold.
- 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.
Sources & References
Local context: Turner Insurance Specialists has arranged life insurance for expats in Javea, Denia, Moraira, Calpe, Altea, Benissa and across the Costa Blanca since 2013. The Spanish insurance market figures and regulatory references on this page are verified against the sources below.
This page references the following official Spanish regulatory and legal sources. These are the authoritative bodies and laws governing insurance products in Spain:
- Dirección General de Seguros y Fondos de Pensiones (DGS) — Spanish insurance regulator. Confirms registration of insurance brokers (Andrew Turner: Registry C0467B54657010) and authorises all insurance products distributed in Spain.
- Ley 50/1980 — Ley de Contrato de Seguro (BOE) — Spanish Insurance Contract Law. The primary legal framework governing all insurance contracts in Spain — defines duties, claims, cancellation rights and disclosure obligations.
Protect Your Family's Future in Spain
FREE ENGLISH-SPEAKING ADVICE — MOST CLIENTS QUOTED WITHIN A FEW DAYS
Cancellation rights. Annual contracts auto-renew under Ley 50/1980 Article 22. Cancellation requires at least one month's written notice before renewal.