- Valencia, Spain 46002
- +34 963 791 452
- support@unitedexpatinsurance.com
Insurance Partnership in Spain for Professionals & Businesses
Insurance Collaboration for Expat & International Client Networks
A structured, regulated insurance partnership model in Spain for professionals and businesses working with expat and international clients — helping them access suitable insurance solutions without having to manage policies, claims or administration.
- Independent insurance broker regulated in Spain (DGSFP)
- Regulated model · Structured onboarding · Long-term alignment
Benefits
Key Advantages of the Insurance Partnership
Build scalable, recurring income from existing client relationships.
- 50% participation in brokerage commission
- Recurring income from active policies
- Cross-line opportunities across multiple insurance needs
- No income caps
- UEI manages the full insurance process
- 24/7 digital partner portal
- Flexible collaboration model
You maintain the professional client relationship.
UEI manages the regulated insurance process and ongoing servicing.
Professionals and businesses
Who this Insurance Partnership Is Designed For
This model is designed for professionals, businesses and established companies with relationship-based client networks in Spain.
The partnership integrates naturally into professional activities serving expat and international clients living, working, doing business, buying property or investing in Spain.
Property, Real Estate & Relocation
Real estate agencies, property professionals and relocation companies working with international buyers, owners, tenants and new residents in Spain.
Automotive, Sales & Client-Facing Businesses
Car dealerships, vehicle brokers, automotive professionals and sales professionals working with international clients buying, importing, registering or insuring vehicles in Spain.
Legal, Tax & Business Advisory
Law firms, accountants, tax advisors, business consultants and professional service companies supporting international individuals and businesses.
Creators, Freelancers & Professional Networks
Content creators, trainers, community leaders, freelancers and entrepreneurs with established audiences, client relationships or professional networks.
Performance
Personal Service, Proven Responsiveness
A specialist service structure designed to give the international clients you introduce fast, personal and experienced support.
Structured and simple
How the Insurance Partnership Works for Professionals & Businesses
The partnership operates as a professional insurance referral model within UEI’s regulated brokerage structure, providing a clear and well-managed experience for both partners and clients.
01. Introduce your clients
Submit client details through a secure platform.
02. UEI manages the full insurance lifecycle
Advice and placement.
Contracting and onboarding.
Ongoing servicing and support.
Renewals and follow-up.
03. Generate recurring commissions
You participate in recurring brokerage commissions with transparent reporting and no income caps.
Get started
Apply for Insurance Partnership Evaluation
Complete the form below to initiate the evaluation process.
After submitting, please check your inbox and spam/junk folder for our reply.
Legal framework
Insurance Activity Conducted Under a Regulated Brokerage Structure
UEI operates as an independent insurance broker regulated in Spain — DGSFP No. F3480.
All insurance advice, needs analysis, placement, contracting and policy management are conducted by UEI under its regulatory responsibility.
Partners introduce clients and operate within the collaboration framework established with UEI, without assuming responsibility for insurance advice or the direct management of policies, claims or renewals.
The scope of each partnership is defined in accordance with the applicable insurance distribution framework.
Common questions
FAQs — Insurance Partnership in Spain
1.Do I need insurance experience to join an insurance partnership in Spain?
No. This insurance partnership in Spain is designed for companies and professionals with established client relationships, not insurance expertise.
UEI manages all regulated insurance activities, including advisory, placement, compliance and policy servicing. Your role is limited to introducing clients, while maintaining your professional relationship with them.
2.How does an insurance partnership in Spain generate recurring income?
Income is generated through brokerage commissions on active insurance policies.
As long as policies remain active, commissions continue on renewal, creating recurring income over time. This allows professionals to build predictable revenue linked to their client relationships.
3.Do I need to be licensed to participate in an insurance partnership in Spain?
No — not for a referral-based partnership.
You introduce clients to UEI, while all regulated insurance advice, recommendations, policy placement and management are handled by UEI as a regulated insurance broker in Spain.
Partners can therefore participate without having to act independently as insurance advisers or intermediaries.
Where a different collaboration structure is appropriate, UEI will address this during the partnership evaluation and onboarding process.
4.What is the difference between an insurance referral partnership and working as an insurance agent in Spain?
An insurance referral partnership allows professionals and businesses to introduce clients to a regulated insurance broker without having to operate as an insurance agency or manage the insurance process themselves.
Under UEI’s partnership model, partners focus on the client introduction and their existing professional relationship, while UEI manages insurance advice, needs analysis, insurer selection, placement, contracting, policy administration and ongoing support under its regulatory responsibility.
An insurance agent, by contrast, carries out insurance distribution activities within a specific regulatory and contractual framework and may participate directly in presenting, arranging or distributing insurance products.
The exact regulatory requirements depend on the activities performed. Where a partnership involves insurance distribution rather than a simple client introduction, additional training, registration or compliance requirements may apply.
UEI defines the scope of each partnership during onboarding so that the collaboration operates within the appropriate Spanish insurance distribution framework.
5.What type of companies and professionals can benefit from an insurance partnership in Spain?
This model is designed for companies and professionals with established, relationship-based client networks, including:
- business consultants, advisors, and sales professionals
- content creators, trainers, and community leaders
- real estate agencies, property professionals, and relocation companies
- law firms, accountants, tax advisors, and business service providers
- car dealerships, vehicle brokers, and automotive professionals
- professional service companies working with international clients
- freelancers and entrepreneurs with established professional networks
The key factor is having trusted client relationships with people who may need insurance solutions in Spain — not previous insurance experience.
6.What type of clients can I refer through this insurance partnership?
You can refer individuals or businesses requiring insurance in Spain, including:
- expats living or relocating to Spain
- non-resident property owners
- international clients investing in Spain
- freelancers and companies operating locally
All client suitability and policy structuring is handled by UEI.
7.How are commissions structured in an insurance partnership in Spain?
Partners participate in brokerage commissions generated from successfully contracted policies.
Commissions are:
- recurring (linked to policy renewals)
- transparent (reported through the partner platform)
- uncapped (no income limits)
This structure allows long-term income growth as your client base expands.
8.Do I need to manage claims, renewals or client servicing?
No.
UEI manages:
- claims handling
- policy servicing
- renewals
- compliance and documentation
You maintain the client relationship, while all operational and regulatory responsibilities remain with the broker.
9.Can I participate in this insurance partnership remotely or from outside Spain?
Yes.
The model is fully digital and designed to support companies and professionals working remotely or internationally, as long as their clients require insurance solutions in Spain.
10.Is there a minimum production requirement or exclusivity agreement?
No strict minimum production is required.
The model is designed to be flexible and compatible with your existing professional activity. There are no aggressive sales targets or exclusivity requirements that limit your current business.
11.How long does it take to start generating income from an insurance partnership?
Income generation depends on your existing client base and activity.
Companies and professionals with active client relationships can begin generating commissions once policies are contracted, with recurring income building over time through renewals.
12.Why work with a regulated insurance broker in Spain instead of informal referral models?
Working with a regulated insurance broker ensures:
- full compliance with Spanish insurance law
- proper client protection
- structured policy advice
- long-term sustainability
Unregulated referral models may expose both you and your clients to legal and financial risks.
13.Why partner with an independent insurance broker in Spain?
Working with an independent insurance broker allows the partnership to access insurance solutions from selected insurers rather than being limited to the products of a single insurance company.
This can be particularly valuable when working with expat and international clients, whose insurance needs may vary according to nationality, residency status, age, health, property, vehicle, profession or other underwriting factors.
UEI evaluates the client’s requirements and identifies suitable solutions within its insurer network, while the partner maintains its own professional relationship with the client.
For businesses and professionals, this provides a single regulated insurance relationship while giving referred clients access to a broader range of potential insurance solutions.
A structured, regulated insurance partnership model designed for long-term professional relationships in Spain.
Built for professionals and businesses working with expat and international clients and seeking a compliant, scalable partnership.