How can wehelp you?
At Life5 we're committed to offering you the best support, backed by our team's expertise and empathy. Whether you need to modify your policy, file a claim (death or disability), or submit a complaint, we're here to help — in English. Spanish law (Ley 50/1980 Art. 20) guarantees claim payout within 40 days of full documentation receipt.
What do you need to do?
File a claim
We know how hard these moments are for you. We're committed to helping you with the greatest care and empathy — in English, every step of the way.
Modify your policy
If you have a Life5 policy, you can change anything in it — beneficiaries, capital, cover — directly from your customer area.
Questions & complaints
We're always ready to listen and resolve your questions. Our team is here to help — in English.
How to find out if someone who passed away had a life insurance policy in Spain
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Request the Modelo 790 form on the Ministerio de Justicia website or at any local delegation.
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Fill out the document and pay the corresponding fee.
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At least 15 days after the date of death, go to the Registro General de Actos de Última Voluntad (General Registry of Last Wills).
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Within 7 days you'll receive a certificate listing all life insurance contracts active under the deceased person's name — along with the insurers who issued them.
If the deceased was a Life5 customer, you can also contact us directly at ayuda@life5.com or +34 911 984 986 and we'll help you in English.
Steps to file a claim with Life5
1. GATHER THE DOCUMENTATION. See the required documents for each case below.
2. SEND US THE DOCUMENTATION. Via email, through the customer portal, or book a call and we'll help you. Have the policyholder's NIF/DNI ready so we can identify the policy fast.
3. WE PROCESS YOUR CASE. Once we have the documentation, AXA (our underwriter) must pay the claim within 40 days per Spanish insurance law (Ley 50/1980 Art. 20). In practice, cleanly documented claims are typically paid within 2–4 weeks. Our English-speaking team handles all translation and submission to AXA on your family's behalf — no Spanish required from you.
Documents required for a death claim
Below, the documents you need to submit to file a life insurance death claim in Spain:
Documents required for a disability claim
Below, the documents you need to submit to file a Total Permanent Disability claim:
Modify your policy
We understand your life changes, and with it your needs. That's why we offer the flexibility to modify your policy easily and fast — all in English.
How to make changes from your customer area:
- Log in to your account.
- Select the modify option.
- Make the required changes: update your bank account, adjust coverage, change beneficiaries, update personal data, etc.
Most changes apply instantly. Changes that affect the premium (adding riders, raising insured capital) require a brief AXA re-quote and your acceptance. If you need help, book a call with one of our English-speaking advisors.
Still have questions about life insurance?
Taking out life insurance can be confusing — especially in a foreign country. We're here to help. See our complete guide for an in-depth overview in English.
Watch our video to understand how pricing is calculated. If anything's still unclear, the best thing to do is book a call with one of our English-speaking experts to resolve your doubts.
How to contact Life5
By phone
Call us free at +34 911 984 986, Mon–Fri 9:00–19:30 CET. English-speaking advisors.
Schedule a call
Pick a day, time, and duration. Our English-speaking experts are here to help.
Customer portal
If you're already a Life5 customer, log in to your account to change details, ask questions, or file a complaint.
Send us an email at asesores@life5.com with your name, DNI/NIE, and a summary. Reply under 12 hours.
Contact form
Fill in the form and our experts will contact you as soon as possible — in English.
Frequently asked questions about complaints
How do I file a complaint?
Who can file a complaint?
How long does it take to resolve a complaint?
What if I don't agree with the resolution?
What is the "Defensor del Asegurado" role?
