Expat Insurance Broker in Spain | UEI
Independent, regulated & structured insurance advice.
As an independent expat insurance broker in Spain, we provide regulated, structured insurance guidance for international residents relocating to or living in the country.
United Expat Insurance (UEI) is a regulated insurance brokerage operating under Spanish law, acting exclusively on behalf of clients — never insurers.
We structure insurance solutions aligned with visa requirements, residency status and long-term planning.
Clear structure. Proper alignment. Long-term perspective.
- Regulated brokerage · Independent guidance · Real advisors
Within the Spanish insurance regulatory framework.
A Regulated Expat Insurance Broker in Spain
UEI is a registered insurance broker supervised by the Spanish regulator.
We assess your circumstances, identify authorised insurers and structure appropriate cover within a defined legal framework.
Policies are issued by licensed insurance companies authorised to operate in Spain.
Advice is provided independently within a regulated brokerage structure.
This distinction defines our institutional role within the insurance system.
For a broader overview of insurance solutions available to international residents, see our Expat Insurance in Spain page.
- Registered Insurance Broker — DGSFP No. F3480
- Authorised and supervised by the Dirección General de Seguros y Fondos de Pensiones
- Based in Valencia, Spain
- Working exclusively with authorised insurers
Regulation is not a marketing feature. It is the foundation of our advisory responsibility.
Alignment before placement.
Structured Insurance Advice for Expats in Spain
Insurance for expats in Spain must reflect legal status, visa conditions and long-term residency planning.
Private health insurance must meet visa standards. Property ownership creates liability exposure. Employment status influences eligibility and renewal conditions. Long-term planning affects policy structure.
Insurance must be aligned correctly from the outset.
Our approach is deliberate:
- We analyse before recommending
- We align before placing
- We remain available after activation
Insurance is not transactional. It is structural.
The origin of the brokerage.
Built on Real Expat Experience
UEI was created after recognising that many international residents encountered difficulty navigating insurance structures in Spain with clarity and continuity.
Documentation can be technical. Regulatory requirements are precise. Long-term alignment is often overlooked.
The brokerage was built to provide structured, regulated and ongoing advisory support for international residents who require properly aligned insurance within the Spanish legal framework.
Insurance is not merely a product category.
It is a legal and financial structure that must integrate properly into life in Spain.
Advisory responsibility.
Professional Leadership & Regulatory Oversight
United Expat Insurance operates under the leadership of Sergio Agustí, regulated insurance broker registered with the Spanish supervisory authority.
With over 15 years of experience supporting international clients, he oversees advisory standards, regulatory compliance and long-term portfolio alignment for expat clients.
All recommendations are delivered within a supervised brokerage framework governed by Spanish and EU insurance regulation.
To understand how different policies fit within the broader insurance landscape, see our:
Common questions, clearly answered.
FAQs — Expat Insurance Broker in Spain
1.Are you an expat insurance company?
No. UEI is a regulated insurance broker. Policies are issued by authorised insurers operating in Spain.
2.Do you charge advisory fees?
In most cases, remuneration is incorporated within insurer commission structures in accordance with Spanish regulation.
3.Can you assist before relocation?
Yes. Many clients arrange compliant insurance prior to arrival for visa purposes.
4.What happens if I need support during a claim?
We provide continuity during claims and renewals, assisting with insurer communication within our regulated advisory role.
Speak with a regulated insurance broker for expats in Spain.
Structured, Independent Insurance Advice.
If you require independent insurance guidance aligned with Spanish law, we are available to assess your situation.
Clear protection. Regulatory alignment. Long-term support.
Independent brokerage · Regulated advisory · Professional guidance