An Important Decision Deserves a Clear Answer, Not a Sales Pitch
Life insurance conversations are often rushed by commission-driven agents. We ask insurers for real quotes and explain them plainly — no hard sell, no jargon, your timeline.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Life Insurance
This matters most if someone depends on your income — a partner, children, or a joint mortgage — since the payout is designed to replace what you'd have provided. It matters less if you have no dependents and no shared debt, in which case a smaller policy (or none at all) may be the honest answer, and we'll tell you that rather than upsell you.
Compare plans in plain language, at your own pace.
Bilingual support, so an important decision doesn't get lost in translation.
Clear terms side by side — know exactly what's promised, to whom, and when.
Who Is Life Insurance For?
You have people who depend on you financially and want that protected.
Your mortgage requires or recommends life cover, and you want the best value, not just the lender's default option.
You're settling into life in Spain for the long term and want this handled properly, once.
What Does Life Insurance Cover in Spain?
- Lump-sum death benefit. A single payout to your named beneficiaries if you die during the policy term.
- Critical illness add-on. An early payout if you're diagnosed with a covered serious illness, on some plans.
- Permanent disability cover. A payout tied to Spain's three official disability tiers (IPT, IPA, Gran Invalidez) recognized by Seguridad Social.
- Premium waiver on disability. Your future premiums are waived if you're declared permanently disabled, so the policy stays active without further payments.
- Accidental death (double indemnity). Some plans pay out double the sum insured if death results specifically from an accident.
- Funeral expense cover. A smaller sum paid out quickly toward funeral costs, often included by default alongside the main benefit.
- Mortgage-linked cover. A decreasing-term policy sized to pay off your remaining mortgage balance if you die.
- Beneficiary flexibility. Naming and later changing beneficiaries, including ones living outside Spain on most plans.
Worth checking before you buy
Whether the payout amount and term actually match your current life stage — policies bought years ago for an old mortgage or income level often no longer match what your family would actually need today.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Life Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Life Insurance in Spain
Is life insurance required for a mortgage in Spain?
Many lenders require or strongly recommend it — we help you find a plan that satisfies your lender without overpaying for their preferred option.
Does age or health affect my life insurance quote?
Yes, both typically affect price and terms — this is part of the quote form so the numbers you see are accurate, not a lowball that changes later.
Can I name beneficiaries who live outside Spain?
Usually yes — we confirm the specific details with the plan you choose.