Life insurance in Spain100% in English, without the paperwork.
Protect your family with a policy backed by AXA — and let us handle the Spanish administration for you.
We know moving to Spain is exciting — but dealing with insurance in a second language isn't. Life5 gives you a clear, English-only contract, an online process that takes 1 minute, and real support from people who speak your language. All backed by AXA, one of the largest insurers in the world.
- Backed by AXA
- 100% English process
- Regulated by DGSFP
Why expats in Spain choose Life5
Clear terms, flexible coverage, and a team that speaks your language — so you can protect your family without wrestling with Spanish bureaucracy.
English-speaking support
Our agents, our contract, our claims process — all in English. No legal Spanish jargon, no calls to translators, no surprises when you read the fine print.
Flexibility for moving
Life abroad doesn't follow a plan. Cancel anytime with no penalty, adjust your coverage as circumstances change, and keep your Life5 policy active worldwide as long as you maintain it.
Instant online approval
No medical exams, no in-person appointments, no couriered paperwork. Our online process approves you in 1 minute — you don't even need a NIE to get a quote.
A life insurance for every moment of your life
Your situation is unique. That's why we design products around what you actually need.
Protect your family
Up to €500,000 of coverage so your loved ones keep their quality of life if something happens to you. Death cover, optional disability rider, and an advance for funeral expenses.
Cover your mortgage
Coverage that adjusts to your remaining mortgage balance. Not tied to your bank — you can submit this policy and still meet your lender's requirements.
For people over 50
Sign up until age 74, no medical exams. Funeral-expenses advance included so your family doesn't have to front any money.
Critical illness
Receive up to €100,000 if you're diagnosed with cancer or another critical illness. Financial support so you can focus on what matters — your recovery.
Life5, life insurance that gives you peace of mind
We know thinking about life insurance isn't easy. It means asking questions we'd rather avoid. But taking that step is one of the most important acts of care you can offer the people you love.
At Life5 we've simplified everything so protecting your family is accessible, clear and straightforward. No fine print, no surprises.
What Life5 offers you
- Total flexibility: tailor your coverage and budget to what you need today, and adjust it whenever life changes.
- Real transparency: the price you see is the price you pay. No extra fees for monthly payments.
- Capital advance: up to €9,000 available immediately for funeral expenses and inheritance tax.
- Human support: our team of experts is available whenever you need us, by phone or chat.
Coverages included in your life insurance
Full protection for you and for those who depend on you.
Death from any cause
The core guarantee of your policy. Your family receives the insured capital in case of death from natural causes, illness or accident. One-year waiting period for suicide.
Total Permanent Disability (TPD)
Optional add-on rider. If an injury or illness permanently prevents you from working, you receive the insured capital to keep you and your family financially stable.
Advance of up to €9,000 for funeral expenses
Available immediately after the claim is filed. Your family won't have to front any money for funeral expenses or inheritance tax.
Advance for inheritance tax
On top of the funeral advance, your beneficiaries can request an advance on the insured capital to cover inheritance tax. The payment is made directly to the tax authority.
Frequently asked questions about life insurance in Spain for expats
Who backs Life5's policies?
Do I need a NIE or a Spanish bank account to apply?
What happens to my policy if I move out of Spain?
Are payouts valid for beneficiaries living in my home country (UK, US, etc.)?
How does Spanish Inheritance Tax work for foreign residents?
Do I need a medical exam to take out life insurance?
Life insurance in Spain — without the paperwork.
Calculate your price in 1 minute. 100% online. 100% in English. Backed by AXA.