Calculate your life insuranceonline in 2 minutes
Choose your coverage amount, enter your date of birth and see your price instantly. No medical exam, no lock-in, 100% in English. Policies backed by AXA.
In short: the price of life insurance in Spain depends on your age, the coverage amount you choose, the optional covers you add, and your health and habits. With Life5, death cover starts from €3/month and death plus disability from €5/month. According to Life5's life insurance price observatory (59,995 real quotes between 2023 and 2026, in Spanish), a person aged 30 to 39 pays a median of €7.07/month for €100,000 of coverage. More than 50,000 families are already protected with Life5, rated 4.7/5 on Trustpilot and 4.4/5 on Google Reviews. Your exact price is in the calculator above: 2 minutes, no medical exam, no commitment.
How the life insurance calculator works
Three steps, 100% online and in English. The price you see is the price you pay: no surcharges, no hidden fees.
1. Choose the amount you want to insure
From €10,000 to €500,000. Enter your date of birth and whether you already have life insurance.
2. Leave us an email and a phone number
We send you the quote so you can come back to it whenever you want. No health data or ID needed to see your price.
3. See your price and adjust the covers
Add total permanent disability or critical illness cover and sign up online if you like it. No lock-in.
Thousands of families already trust Life5.See what they say on Google.
More than 50,000 families protected with Life5- Hedwin A.3 weeks ago
- Diana D.3 months ago
- Rosana Á.3 months ago
- Agustín L.3 months ago
- Juan Carlos4 months ago
- Eva P.5 months ago
- Alejandro M.5 months ago
- Elena6 months ago
- Vicenta A.6 months ago
- Marta M.6 months ago
- Jose Luis G.6 months ago
- Pedro M.6 months ago
- Hedwin A.3 weeks ago
- Diana D.3 months ago
- Rosana Á.3 months ago
- Agustín L.3 months ago
- Juan Carlos4 months ago
- Eva P.5 months ago
- Alejandro M.5 months ago
- Elena6 months ago
- Vicenta A.6 months ago
- Marta M.6 months ago
- Jose Luis G.6 months ago
- Pedro M.6 months ago
How much does life insurance cost?
The final price depends on your age and the coverage amount you need. Real tariff prices, no surcharges.
What do you need to calculate your life insurance?
| Information | What it is for |
|---|---|
| Date of birth | Age is the factor that weighs most on the premium. You can sign up until age 74. |
| Coverage amount | From €10,000 to €500,000. This is what your beneficiaries would receive. |
| Covers | Death from any cause, always included. Total permanent disability and critical illness, optional. |
| Email and phone number | So we can send you the quote and you can pick it up again whenever you want. |
| Health questionnaire | Only if you decide to sign up. Online, no medical exam, and it confirms your final price. |
You do not need an ID, a payslip or medical reports to see your price. You have the full detail of covers, waiting periods and exclusions in life insurance in Spain with Life5.
What makes the price of life insurance go up or down?
- Age. The earlier you sign up, the lower the premium. It is a yearly renewable policy: each year the premium is updated for your new age.
- Coverage amount. More coverage, higher premium. You can reduce it whenever you want from your customer area.
- Covers. Adding total permanent disability or critical illness raises the premium.
- Declared health. An online questionnaire about the last five years replaces the medical exam.
- Smoking, occupation and sports. They are asked in the questionnaire and adjust the risk.
Once you have signed up, the premium is only updated for age and coverage amount: AXA waives re-assessing your individual risk, so a change in health, job or sports does not raise your price. And you pay what you see: no surcharge for paying monthly and no hidden fees. You can read more in our life insurance guide for expats in Spain.
How much coverage do I need?
A common rule of thumb is to insure between 5 and 10 times your annual salary. Add what is left on your mortgage and other debts, and your children's education if you have any.
If you are looking for a specific situation, you have the details in family life insurance, mortgage life insurance, life insurance for seniors and life insurance for freelancers. The price is calculated the same way: with the calculator on this page.
After calculating: how to sign up online
- Answer the health questionnaire from your phone or computer, in English. It confirms your final price. No medical exam.
- Sign digitally and pay the first premium, by card or direct debit, monthly or yearly. The policy takes effect at that moment.
- Download your policy and certificate of cover from your customer area. If it is for a mortgage, Spanish banks are obliged by law to accept it.
You have 30 days to withdraw at no cost and there is no lock-in: cancel whenever you want. If you have questions, an English-speaking Life5 advisor is available on +34 911 984 986.
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Frequently asked questions about the life insurance calculator
What information do I need to calculate my life insurance price?
Is the calculator price the final price?
Is a life insurance simulator the same as this calculator?
Do I have to take a medical exam?
Will you call me after I calculate my price?
Can I pay monthly?
How much coverage can I insure?
Until what age can I sign up with Life5?
Can I get life insurance in Spain as an expat, in English?
What do Life5 customers say?
Who underwrites my policy?
Calculate your real price in 2 minutes.
4.7/5 on Trustpilot and 4.4/5 on Google. 100% online, 100% in English. No lock-in.