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Expat Life Insurance Spain

Straightforward, Reliable Protection for Expats Living in Spain

Life insurance for expats in Spain shouldn’t be complicated.
We compare the best expat life insurance plans in Spain, explain how Spanish policies work, and help you choose the coverage that protects your family, mortgage or financial future abroad.

With no jargon, no pressure, and no hidden fees.

Get Your Free Expat Life Insurance Quote

It only takes 1 minute — no commitment.

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Life Insurance for Expats

Life Insurance Explained for International Residents in Spain

Life insurance gives financial protection to your family — whether they’re in Spain or abroad — if something unexpected happens.
It’s one of the simplest and most affordable ways to protect a mortgage, secure your income, or support loved ones while living abroad.

Why many expats choose life insurance in Spain

  • Protect family members financially

  • Cover mortgages and loans

  • Replace income for partners or dependents

  • Often requested by Spanish banks

  • Peace of mind while living overseas

Spanish insurance is regulated by the Dirección General de Seguros y Fondos de Pensiones (DGSFP).

Also protect your home: Home Insurance Spain →

See Your Expat Life Insurance Options

We explain the Spanish system in clear English, step by step.

Life insurance in Spain is a protection-based policy that pays a guaranteed benefit to your beneficiaries in the event of death or permanent disability.
Most expats qualify after a simple health questionnaire — no medical exam required.

Life Insurance Options

Expat Life Insurance Options in Spain

Choosing the right expat life insurance in Spain depends on your needs — whether you prefer term cover, long-term protection, or a joint policy for couples.

Term Life Insurance Spain

Clear, affordable protection for a specific period. Best for:

  • Mortgage protection
  • Families with children
  • Expats seeking simple, affordable cover
  • Medium-term financial responsibilities
Check Term Life Insurance Prices

Instant comparison from top Spanish insurers.

Long-Term Life Cover (Spain’s Equivalent to Whole Life)

Spain does not offer US/UK-style “investment” whole life insurance.
Instead, insurers provide long-term protection policies that offer similar long-lasting security without the investment component. Ideal for expats who want:

  • Long-term or lifetime-style coverage
  • Stable protection for dependents
  • Flexible estate planning
  • A policy that doesn’t expire quickly
Compare Long-Term Cover Options

Clear English documentation included with every plan.

Duo Life Insurance Spain

One policy covering two people.
Designed for couples who want simple, cost-effective shared protection.

View Duo Life Insurance Plans

Protect both of you under one policy and reduce the overall cost.

Add worldwide coverage: Repatriation Insurance Spain →

How Life Insurance Works in Spain

Understanding the Spanish Life Insurance System

Life insurance in Spain is simpler, more regulated, and usually cheaper than in many other countries.

Key differences expats should know

  • Spain does not offer US/UK-style investment whole life
  • Policies here are focused on pure protection
  • Claims are strictly regulated and often faster
  • Banks frequently request life insurance for mortgages
  • Premiums tend to be more affordable

Important: “Whole life insurance” as known in the US/UK does NOT exist in Spain. The closest Spanish product is long-term life cover.

Official guidance for foreigners in Spain: UK Government “Living in Spain” →

Understand Your Life Insurance Options in Spain

We guide you with clear, simple explanations.

Mortgage Protection

Mortgage Life Insurance in Spain (Bank Requirement)

When buying a home, many expats discover that mortgage life insurance in Spain is required by banks — but choosing your own policy instead of the bank’s offer can save you significant money.

Why Choosing Your Own Policy Saves Money

  • Independent plans are often far cheaper than bank policies
  • More flexibility and better cover
  • Full assistance in English
  • You keep your policy even if you change banks

Send us your bank’s offer and we’ll compare it for FREE.

Get a Mortgage Life Insurance Quote

We help you pay less without losing coverage.

Coverage & Eligibility

Who Life Insurance in Spain Is For — And What It Covers

Life insurance in Spain is designed to protect you and your family during life’s most difficult moments.
Whether you’re an expat with a mortgage or a foreign resident wanting financial stability, these plans offer essential, reliable protection.

Expat woman in Spain reviewing life insurance coverage details on her laptop with documents on the table

What Your Life Insurance Plan Can Include

  • Death benefit for loved ones
  • Permanent & Total Disability (PTD) payout
  • Advance payment in terminal illness cases
  • Serious illness coverage
  • Accident & traffic accident coverage
  • Fast claims handled with Spanish insurers
  • 24/7 English-speaking support
  • Clear terms — no hidden clauses

Looking for medical cover too? Expat Health Insurance Spain →

Expat mother playing with her baby at home in Spain, representing families who may need life insurance

Who Should Consider Life Insurance in Spain?

Perfect for:

  • Expats with a mortgage
  • International families
  • Foreign professionals
  • Digital nomads
  • Non-residents who own property
  • Couples wanting joint cover
  • Anyone seeking extra financial security abroad

Already have a life policy in your home country?
We can check if it covers Spain.

Check If Life Insurance Fits Your Situation

We analyse your case and recommend the best option — free and in clear English.

Pricing & Requirements

Costs, Eligibility & Getting a Quote

Typical cost in Spain

Most expats aged 30–45 pay €10–€35/month, depending on capital, age, and health.

Who Can Apply?

  • Expats and foreign residents
  • EU & non-EU citizens
  • Non-residents with assets in Spain
  • Ages 18–69 (depending on insurer)
  • Usually no medical exam required
Get Your Personalised Quote in Under 1 Minute

Your quote is reviewed by a real advisor — not an automated system.

Spanish tax information (inheritance): Agencia Tributaria →

Comparison

Term Life vs Long-Term Life Insurance (Whole-Life Equivalent)

Feature

Duration

Price

Best for

Flexibility

Payout

Term Life

Fixed term

Lower

Mortgages, families

High

During the term

Long-Term Life Cover

Long-term / lifetime-style

Higher

Long-term stability

Medium

Anytime

Duo Life

Two people, one policy

Lower combined

Couples

Medium

First insured event

Compare Life Insurance With an Advisor

We help you choose the coverage that fits your situation.

Why Choose Us

Why Expats Trust United Expat Insurance

Built for Expats — Clear Guidance Tailored to the Spanish System

Independent Comparison — We Work for You, Not the Insurers

Transparent, Simple Coverage — No Hidden Clauses or Confusing terms

Fast, Proactive Claims Support — We Handle Paperwork & Follow-Up

Compare Life Insurance With an Advisor

No pressure. No upselling. Just guidance.

Discover more expat protection: Best Expat Insurance Spain →
OECD Insurance Insights →

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Testimonials

What Expats Say

Olivia R.

UK expat in Madrid

Clear explanations and a very easy process.

Daniel H.

USA → Valencia

They helped us when the bank requested life insurance for our mortgage. Much cheaper than the bank’s offer.

Sarah K.

Netherlands → Málaga

Fast quote, excellent English support, everything handled online.

Common Questions, Answered Simply

FAQ — Life Insurance for Expats in Spain

1.Can expats get life insurance in Spain without being residents?

Yes. Many insurers allow non-residents or property owners in Spain to take out life insurance, as long as basic documentation is provided.

2.Is a medical exam required for life insurance in Spain?

In most cases, no. A simple health questionnaire is enough unless you're requesting very high coverage amounts.

3.How do Spanish life insurance premiums compare to other countries?

Spanish life insurance is often cheaper than in the UK, USA, Ireland, or Germany due to stricter regulation and a protection-only model.

4.Does life insurance cover me outside of Spain?

Yes. Most policies provide worldwide coverage, as long as you live in Spain or own property here.

5.Can I use life insurance from my home country for a Spanish mortgage?

Usually not. Spanish banks normally require a local policy from a Spanish insurer to guarantee the mortgage.

We’ll help you explore international medical insurance in Spain options that best match your health needs.

6.What happens to my Spanish life insurance if I leave Spain?

You can usually keep your policy, depending on the insurer. If not, we can help you move to another plan suited for your new country.

7.Are life insurance payouts taxable for beneficiaries in Spain?

Payouts may be subject to Spanish inheritance tax depending on the region and relationship. However, life insurance often reduces the taxable base.

8.How quickly are life insurance claims paid in Spain?

Claims are regulated and must typically be paid within 40 days once documentation is provided — often sooner.

9.What documents do expats need to apply for life insurance in Spain?

Usually just passport or NIE, Spanish address (or property ownership), and the completed health questionnaire.

10.Can I change the beneficiary on my Spanish life insurance policy?

Yes. Beneficiaries can be changed at any time by notifying the insurer — it’s a simple and common process for expats.

Get Protected and Secure Your Future in Spain.

Protect your family, your income, and your life abroad with insurance designed for expats living in Spain.

Our team specialises in expat life insurance in Spain, offering clear English guidance and personalised comparisons so you can protect your future abroad with confidence.

Get Your Expat Life Insurance Quote

Fast, confidential, and handled by an English-speaking specialist.

United Expat Insurance Provides Expert and Empathetic Insurance Solutions for Expatriates in Spain