Expat Life Insurance in Spain

Protect your family, future & financial stability — with clear life insurance for expats.

Expat life insurance in Spain provides financial protection for international residents building their lives, families, and long-term plans in Spain.

At United Expat Insurance (UEI), we help expats choose clear, reliable life insurance tailored to their family situation, mortgage commitments, and future goals — with bilingual guidance and no pressure.

Get My Life Insurance Quote

Life insurance options for expats in Spain.

Life Insurance Options for Expats at a Glance

Family • Mortgage • Term • Self-employed & digital nomads • Seniors

We offer expat-friendly life insurance in Spain for every life stage, residency status, and financial goal.

See which option fits you

Family Life Insurance

Designed to protect the people who depend on you.

Financial protection for spouse & children
Income replacement
Education support
Optional disability protection

Get family coverage

Mortgage Life Insurance

Often required by Spanish banks — but usually cheaper and more flexible outside the bank.

Protect your home and family
Independent from your mortgage bank
Flexible coverage limits
Simple documentation for lenders

Compare mortgage protection

Term Life Insurance for Expats

Straightforward, flexible, and cost-effective protection.

5, 10, 20 or 30-year terms
Fixed premiums
Ideal for relocations and long-term residents

Get term life options

Life Insurance for Self-Employed & Digital Nomads

Flexible protection for freelancers, autónomos, and remote workers.

Income protection
Optional accident cover
Optional disability benefits

Get nomad coverage

Senior Life Insurance in Spain (70–75+)

Options adapted to older expats living in Spain.

Simplified acceptance available
Coverage for funeral costs, debts & family support
Clear guidance choosing the right plan

Explore senior life insurance

Why expats trust UEI for life insurance in Spain.

Why Expats Choose UEI for Life Insurance in Spain

Clear, human guidance — not call centers

Bilingual support (English & Spanish)

Experience with expats from the US, UK, EU & non-EU countries

Honest comparisons across multiple insurers

No pressure, no hidden conditions, no unnecessary extras

Unlike health insurance, life insurance is not required for Spanish visas, but many expats choose it for long-term financial protection.

For a full overview of expat protection in Spain (health, home, car, visas and more), see the Expat Insurance Guide Spain.

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Speak with an Advisor

What protection typically includes.

What Life Insurance for Expats Typically Covers in Spain

We match each plan to your age, family situation, visa status, and financial goals — so you don’t overpay.

European life insurance context — Insurance Europe:

Insurance Europe

If you want a complete, plain-English explanation of how life insurance works in Spain (types, costs, documents and tax basics), see our Life Insurance in Spain for Expats (2026 Guide).

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Life situations where coverage becomes essential.

When Does Expat Life Insurance Make Sense?

Expats in Spain typically request life insurance when:

If you’re buying property, life insurance often goes hand-in-hand with home protection.

Expat Home Insurance in Spain

Many expats also plan ahead to avoid administrative and financial burdens for loved ones.

Expat Funeral Plans in Spain

Spanish inheritance & tax information:

Agencia Tributaria

Get a personalized quote

From first life quote to active coverage.

Simple & Transparent Process

01. Tell us what you need.

Quick 1–2 minute form.

Start here

02. We compare the best options.

From top-rated insurers operating in Spain.

See your options

03. You choose (no pressure).

Clear pros & cons. You stay in control.

Compare plans

04. Activate your coverage.

Fast onboarding, bilingual support, simple documentation.

Activate my coverage

Protection tailored to your needs.

Get your Personalized Life Insurance Quote

Independent insurance broker regulated in Spain (DGSFP No. F3480).

Your data is secure & protected.

Practical tools & official information.

Helpful Resources for Expats in Spain

Life Insurance in Spain Explained →

Expat Insurance Quotes →

Daily protection for your life in Spain.

Related Life Insurance Products for Expats

Many expats combine life insurance with broader protection:

Home Insurance Spain

Get a quote

Funeral Insurance Spain

Get a quote

Health Insurance Spain

Get a quote

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.Is life insurance mandatory in Spain?

Not legally, but many banks require it for mortgages.

2.Can expats get life insurance without Spanish residency?

Yes — depending on the insurer. We guide you.

3.Can the policy be issued in English?

Yes — bilingual documentation available.

4.Is life insurance expensive in Spain?

No — pricing is often lower than in the US/UK.

5.Can I add critical illness or disability cover?

Yes — optional add-ons available.

6.Can seniors over 70 get coverage?

Yes — with specific plans. We help you choose.

7.Will my life insurance still cover me abroad?

Yes — worldwide coverage.

8.Can I change insurers later?

Absolutely — we help with the transition.

Protect your family & your future in Spain.

Living abroad changes everything — your insurance should adapt with you.

Clear advice. Fair pricing. Life insurance designed for expats — not complexity.

Get your Personalized life insurance quote

Fast response · No pressure · No obligation