Life Insurance in Tenerife from Generali. Life insurance is not compulsory in Spain by default, but mortgage-linked life cover is almost always a condition of any Spanish mortgage — and it is a sensible part of estate planning given Spain's Impuesto sobre Sucesiones (inheritance tax) rules. most expats arrange term life (seguro de vida temporal) for mortgage cover or family protection, with optional permanent disability riders. Whole life is sometimes used for inheritance-tax liquidity. As authorised exclusive Generali agents, we arrange life insurance for expats across Tenerife and the surrounding Canary Islands (Islas Canarias) — in English, with our local office based in Jávea.
Get a Free Life Insurance Quote →Life insurance is not compulsory in Spain by default, but mortgage-linked life cover is almost always a condition of any Spanish mortgage — and it is a sensible part of estate planning given Spain's Impuesto sobre Sucesiones (inheritance tax) rules. For expats who live in Tenerife and the wider Canary Islands (Islas Canarias), most expats arrange term life (seguro de vida temporal) for mortgage cover or family protection, with optional permanent disability riders. Whole life is sometimes used for inheritance-tax liquidity.
If you are arriving from the UK, Netherlands, Ireland or Belgium, we can arrange cover from the moment you settle in Tenerife — with all documents available in English and a local Generali office in Jávea to handle anything in person. The expat profile here is broad: Hugely international — British presence is dominant in the south (Los Cristianos, Costa Adeje, Playa de las Américas), Italian and German communities are strong, and the north is more Spanish and Latin American (large Venezuelan and Cuban communities).
Life insurance in Tenerife usually starts in one of two places: a mortgage condition (Spanish banks almost always require it) or family / inheritance-tax planning. The expat profile here — Hugely international — British presence is dominant in the south (Los Cristianos, Costa Adeje, Playa de las Américas), Italian and German communities are strong, and the north is more Spanish and Latin American (large Venezuelan and Cuban communities). — means many families have UK or Northern-European heirs, which makes the Spanish Impuesto sobre Sucesiones (inheritance tax) calculation specific to your circumstances.
Local notable areas where high-value mortgages or estate-planning conversations are common include Mount Teide (Spain's highest mountain), Los Cristianos and Costa Adeje, Anaga peninsula, Masca village. The nearest international airport (for repatriation logistics, if relevant) is Tenerife Sur (TFS) for southern residents — major UK flight hub; Tenerife Norte (TFN) for northern residents. All life-insurance contracts are written in Spanish; we provide an English translation alongside, so you, your spouse and any UK adult children can read the policy summary in plain English.
Call 966 461 625 or email info@turnerinsurance.es — our English-speaking Generali team covers Life Insurance in Tenerife, across Canary Islands (Islas Canarias) and the rest of Spain, Monday to Friday 09:30–15:00. You can also request a quote online and we will reply the same working day.
Indicative annual premiums for an expat aged 40–55 in good health in Canary Islands (Islas Canarias):
Prices shown are typical starting points and depend on your individual circumstances. Contact us for a free personalised quote.
More questions? Contact us for free English-speaking advice — 966 461 625.
💡 Tip: pair life insurance with our funeral insurance page if you also want repatriation costs separately ringfenced.
GENERALI LIFE INSURANCE · TENERIFE, CANARY ISLANDS (ISLAS CANARIAS) · FREE ENGLISH-SPEAKING ADVICE
Also in Tenerife
We arrange life insurance for expats across Spain - online and through our local office in Jávea. These popular areas near Tenerife are supported:
