Life Insurance in Spain for Expats
↓ Jump to Frequently Asked QuestionsLife insurance in Spain, arranged in English by authorised Generali agents. This page is the hub for every type of life and family protection cover sold here — life insurance cover, term life, mortgage protection, funeral insurance, critical illness or income protection. Start with the cover you need, 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 Spanish life insurance quotes: 2026 prices, insurer by insurer →
Answered by Turner Insurance Specialists — exclusive Generali agents in Spain since 2007, based in Javea (Alicante). Talk to a real adviser in English: 966 461 625.
Types of Life Insurance in Spain
Life insurance in Spain is not a single product. Under Ley 50/1980, the Spanish Insurance Contract Law, each of the policies below is its own contract, with its own premium, its own health declaration and its own named beneficiaries — which is why the first question is always what you are protecting, not how much cover you can afford. 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.
Age at entry matters more than almost anything else. Generali Vida accepts new term life applications up to age 69, with cover from €18 a month, while funeral insurance (decesos) has no upper age limit and asks no medical questions at all — so there is a sensible route to protection at almost any age. If you would rather see how the Spanish insurers line up on price, entry age and English-language service before you choose a policy, you can compare Spanish life insurance quotes insurer by insurer.
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 →How Life Insurance in Spain Works
Life insurance in Spain is a contract governed by Ley 50/1980. You agree a sum insured and pay a monthly or annual premium. If you die while the policy is running, the insurer pays that sum. It goes to the people you named as beneficiaries. The money reaches them directly, rather than sitting inside the estate.
Two things drive the price. Your age when the policy starts, and the sum you insure. Smoker status, your occupation and your health history also count. Cover starts from around €18 a month. Generali Vida accepts new term life applications up to age 69. Below €200,000 of cover a health questionnaire is normally enough. Above that a medical is usually requested.
Nationality does not change what you pay. Expats of any nationality can hold a Spanish life policy. What changes is the paperwork and the language. We handle both in English, from the first quote through to the claim. Your policy conditions are published in English too.
The beneficiary nomination is the part worth getting right. Name the people you want paid, directly on the policy. Naming "the estate" pushes the payout through Spanish probate. That adds months of delay and usually a bigger inheritance tax bill. Want the numbers side by side? You can compare Spanish life insurance quotes and 2026 prices.
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.
Certified Life Insurance Advice in Valencia and Across Spain
Looking for certified life insurance advice in Valencia? You can get it in English, by phone, email or video call. Certified here means the person advising you is on the official register. Turner Insurance Specialists S.L. is registered with the Dirección General de Seguros (DGS). Our registry number is C0467B54657010.
Andrew Turner is a Mediador Colegiado, a registered insurance intermediary. He is a member of the Colegio de Mediadores de Seguros de Alicante. He has over 25 years of experience in Spanish insurance. He has been an authorised exclusive agent since 2007. So the life insurance advice you get is regulated and accountable, not a sales script. Read more about Andrew and our credentials.
Our office is in Javea, Alicante, and we cover the whole of Spain. That includes Valencia city and the wider Valencian Community. Most life insurance advice is given remotely, so no office visit is needed. Need car, home, health or travel cover in the same region? See our page on insurance in Valencia.
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.
New to Spanish cover? Our guide to insurance in Spain for expats explains how protection policies, beneficiaries and claims work under Spanish law, and the Spanish insurance glossary defines the terms used in the policy documents.
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 (09:30–14:00 in July and August).
- Tell us your situation. We will ask a few quick questions. What do you need to cover? Your age, your location, and any policies you already hold.
- You get certified advice — as authorised, DGS-registered exclusive 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.