Life Insurance for Expats in Spain
Stay protected with flexible, tax-efficient life insurance tailored for expat life in Spain. Whether you’re leaving a legacy, securing a mortgage, or safeguarding your family’s financial future, our British team helps you get covered—fast, clearly, and with complete peace of mind.
Lump-Sum Payout on Death or Disability
Optional Critical Illness & Accident Cover
Flexible Payment Plans and Fast Digital Setup
All Policy Documents and Support in English
Talk to our British Team today
Unmatched personal service and ultra-fast claims processing
or call (+34) 691 04 54 35
Why Choose InsuranceAgents.es for Your Life Insurance in Spain
Reliable, Affordable Life Insurance for Expats in Spain
At InsuranceAgents.es, we specialise in expat life insurance in Spain, providing clear, flexible cover with full English-speaking support.
Whether you’re working, retired, or buying a home, we help you protect what matters most.
Expert Advice and Local Knowledge
With over 20 years’ experience, we understand the challenges expats face. We’ll make sure you get cover that fits your lifestyle and needs—without jargon or stress.
Why Choose Life Insurance
✓ Covering outstanding mortgage debt
✓ Leaving a financial legacy to family or children
✓ Paying funeral and estate costs
✓ Protecting your family’s standard of living
✓ Ensuring business continuity or succession
Your Essential Cover
Lump-Sum Payout on Death (Any Cause)
Provides your family with a one-off tax-free lump sum in the event of your death, giving them financial security when they need it most.
Accidental Death & Disability Cover (Optional)
Extra payout in the event of a fatal accident or if you’re left permanently disabled due to an accident—anywhere in the world.
Mortgage Protection Option
Choose decreasing cover aligned with your mortgage balance—ideal for homeowners in Spain
Terminal Illness Benefit
Access your policy early if you’re diagnosed with a terminal illness with less than 12 months to live—up to €480,000 paid in advance.
Critical Illness Cover (Optional)
eceive a lump sum upon diagnosis of a serious condition like cancer, stroke, or heart attack. Use it to support treatment or reduce financial stress.
Funeral & Final Expenses Covered
Your loved ones can use the policy payout to cover funeral arrangements, burial or cremation costs, and estate expenses.
Free Online Will Writing Service
Make your wishes clear with a legally valid Spanish will—offered as a free additional benefit to all life insurance clients.
Ultra-fast Claims Support & Setup
All documents are in English. Sign digitally and get instant policy confirmation. Claims are processed quickly with our dedicated British-speaking team.**
Your Life, Your Cover
Choose Fixed or Decreasing Capital
Go for a guaranteed fixed payout, or select decreasing cover aligned with your mortgage balance—ideal for homeowners who want their life insurance to track their loan.
Flexible Term Lengths
Choose a policy duration that suits your life stage—from short-term cover linked to a home loan to longer-term protection supporting your family through key milestones.
Fully Customisable Protection
Whether you’re protecting young children, securing retirement income, or covering a business loan—we’ll tailor your plan to your goals.
Your Policy Documents
Everything in Plain English
All documents and support are in English—so you’ll always understand exactly what you’re covered for.
Instant Cover Confirmation
Get your policy emailed to you right away—you’re protected from the moment you sign up.
Example Life Insurance Quote
Below is an example of a life insurance quote for different people. Contact us today for an instant quote.
Couple Aged 45
✓ Standard Life Cover
Premium = €540/year
✓ With Accidental & Disability Cover
Premium = €820/year
Key Info
- Standard Cover: Basic life insurance for death (any cause)
- With Accident & Disability: Adds protection for accidents or permanent disability
- Decreasing Cover: Ideal for reducing mortgage balances
What our clients are saying...
Frequently Asked Questions
If you can’t find the answer here to your question about health insurance in Spain, then our British team of insurance experts are here to help. Feel free to call us on (+34) 691 04 54 35. Or you can send us a message or get a quote here.
What does life insurance cover?
Our life insurance policies provide a lump-sum payout in the event of death (from any cause), and optional cover for total and permanent disability, accidental death, and critical illness. Some plans also allow advance payouts in case of terminal illness.
Can the payout be used for funeral costs?
Yes. The lump-sum benefit can be used by your beneficiaries for any purpose, including funeral arrangements, burial or cremation, and related expenses.
Can I get life insurance if I have a mortgage in Spain?
Yes. Many expats take out life cover that matches the outstanding balance and term of their mortgage, so the property is protected for their family.
What if I already have life cover through a bank?
No problem. Our policies are independent and often offer better value and broader coverage than bank-issued plans. We can show you the cost difference.
What’s the difference between fixed and decreasing cover?
Fixed cover stays the same throughout your policy term. Decreasing cover reduces over time—ideal for mortgage-linked protection that declines as your debt is repaid.
Do I need a medical exam?
Most policies require a health declaration, and sometimes a medical exam for higher cover amounts or certain ages. We’ll guide you through every step.
Can non-residents take out life insurance?
Yes—particularly if you’re buying a property in Spain. We can help set up cover linked to your Spanish mortgage, with policy terms to match.
How do I make a claim?
Contact our British-speaking team directly. We’ll walk you through the process and ensure paperwork is handled quickly and professionally.
Get a Life Insurance Quote
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