Life Insurance in Spain

Life Insurance in Spain designed for Expats

HomeFinance Spain offers a fully comprehensive life insurance policy that gives you complete peace of mind. We will take care of the entire process with a complete 24-hour, year-round, assistance service.

  • Additional Coverages
  • Tailored towards Expats
  • Policies include Burial Cover

Comprehensive

Our policy integrates a full range of coverage. No matter what happens, you will be completely protected.

Designed for Expats

Our team will explain everything to you in English and can help you and your family with claims and forms.

Independent Agent

We are independent insurance agents with a wealth of experience in the life insurance market.

Flexible Policies

We have different levels of protection to suit your specific needs, including funeral insurance.

Get in touch

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Life Insurance Policy

The main insurance policy payment is made in the case of the death of the policy holder, however several additional coverages can also be added to the plan.

Accidental death

If the accident is covered in the policy, your beneficiaries will receive an additional sum.

Death due to a road accident

If the death is caused by a road-traffic accident, your beneficiaries will receive an additional sum.

Total & Permanent disability

If the policy holder is declared to have total/permanent disability they will be advanced the sum as stated in the policy.

Disability due to an accident

An additional sum may be given if the accident causing disability is stated in the policy.

Disability due to a road accident

An additional sum may be given if the road traffic accident causing disability is stated in the policy.

Serious illness

Beneficiaries will receive an advanced sum if death is caused by a serious illness.

Reparation

Cover will include the cost of moving the insured from the place of death to the location of burial.

Psychological counselling

In the event of a death, psychology counselling for first degree relatives will be provided.

Vida Maximum Protection

All policies include loss of life coverage and burial coverage. With Maximum Protection you can then choose your coverage, which can include:

Loss of life

Payment to beneficiaries of the capital insured (included).

Death of a spouse in the same accident

If both parents die in the same accident, the children will receive double the insureds capital.

Expanded reparation cover

There is no limit to the countries where the deceased can be transported to.

Serious illnesses for women

New coverage of serious illnesses for women: specific protection against tumors of the breast, uterus, cervix, vulva, vagina, ovaries and fallopian tubes.

New disability coverage

Payment of contracted capital in the case of incapacity for development of your profession.

Permanent Disability coverage

Additional capital is paid if the disability occurred due to an accident or traffic accident.

Serious Disease

Specific protection against diseases such as myocardial infarction, by-pass, coronary artery surgery, renal failure or paralysis and paraplegia.

Psychological counselling service

Professional advice is given to family members to help them cope with the loss.

Vida Basic Cover

All policies include loss of life coverage and burial coverage. The basic cover policy includes:

Loss of life

Payment to beneficiaries of the capital insured.

Death of a spouse

In the same accident (optional).

Vida 10 Cover

All policies include loss of life coverage and burial coverage. Temporary term insurance that grows every 10 years (5% every year), regardless of your health status. This cover includes:

Permanent disability

Permanent disability coverage (optional).

Psychological counselling

Professional counselling to your family members.

Burial Cover

With our life insurance policies, a percentage of the sum insured for death will be advanced to cover burial costs. If all the documentation is in order, an additional amount can also be advanced to use to pay inheritance taxes. Policies without frontiers have repatriations cover including a return ticket for a companion.

Frequently Asked Questions

With our insurance policies, you are able to take out a life insurance policy at the age of 14 until the age of 70.

Yes, with our policies you can name any beneficiary that you want. They do not have to be your legal heirs. HomeFinance Spain can also help your beneficiaries deal with their inheritance tax matters.

Yes, when you take out your Life insurance policy, you can choose from:

Constant Capital: this is where the insured capital remains the same.

Growing Capital: this is where the insured capital increases to a percentage of growth.

Get in touch

By submitting this form, you confirm that you agree to our website terms of use, to our privacy policy and consent to cookies being stored on your computer.

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