Life insurance for seniorsin Spain for expats.

You can contract a Life5 Seniors policy up to age 74 — that is, until the day before your 75th birthday. The policy then renews annually as long as you remain under the maximum renewal age specified in your contract, with premiums adjusting with age at each renewal (fully disclosed upfront).

This is one of the most generous age limits in the Spanish market. Many insurers cap coverage at 65 or 70, or require extensive medical screening past a certain age. Life5 keeps the door open longer, with just an online health questionnaire for most applicants.

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Reviewed by Life5 Legal Team · Your Life Correduría · DGSFP License J3945

For most applicants, no. Life5 Seniors uses an online health questionnaire that takes a few minutes to complete — no clinic visits, no blood tests, no physical appointments. AXA underwrites based on actuarial data combined with your questionnaire answers.

When additional information may be requested: if you apply for a higher insured capital, or if specific answers in the questionnaire trigger additional review, AXA may request extra documentation (e.g. a recent medical report from your GP). You're told upfront whether this applies to your application, before you commit.

Important: answering the questionnaire truthfully is essential. Omissions or misrepresentations can invalidate the policy at claim time.

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Reviewed by Life5 Legal Team · Your Life Correduría · DGSFP License J3945

Pre-existing medical conditions must be disclosed in the health questionnaire at signup. Based on your answers, AXA may:

• Accept the policy at standard terms.
• Accept with an exclusion (the policy excludes claims directly caused by the named condition) or a surcharge (higher premium).
• Decline the application for that specific condition.

Conditions that are not disclosed but exist at the time of signup are not covered — and the insurer can reject a claim and refund premiums if an undisclosed pre-existing condition caused it. Be honest in the questionnaire; our English-speaking advisors can help you read your Spanish medical records if you're unsure how to answer.

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Reviewed by Life5 Legal Team · Your Life Correduría · DGSFP License J3945

Life5's policy is designed for residents of Spain. Short trips abroad (under 30 days) are fully covered. Two exclusions to know:

• Stays abroad longer than 30 days are not covered — any claim that occurs during a trip or posting longer than 30 days outside Spain is excluded.
• Travel to countries classified by the Spanish Ministerio de Asuntos Exteriores as "not recommended for travel" is excluded regardless of trip length.

If you plan to relocate permanently out of Spain, contact our team before you go — especially relevant for retirees who split time between Spain and their home country.

Exact policy wording: "Quedan excluidos de cobertura los siniestros ocurridos fuera del territorio nacional en estancias superiores a 30 días de duración, en los países a los que el Ministerio de Asuntos Exteriores haya calificado como países no recomendados para viajar."

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Reviewed by Life5 Legal Team · Your Life Correduría · DGSFP License J3945

The right capital depends on who depends on you financially and what you want to leave them.

• Covering final expenses and debts: €20,000-€50,000 typically covers funeral costs (€3,000-€7,000 in Spain), outstanding debts, and a buffer for immediate expenses.
• Repatriation costs: if you'd want your remains returned to your home country, add €5,000-€15,000 depending on destination.
• Supporting a surviving spouse: add 1-3 years of household expenses on top, especially if your partner relies on your pension income that stops at your death.
• Leaving a legacy: any amount beyond the above, up to the limits available for your age bracket.

Our English-speaking advisors will help you model the right number for your situation in 15 minutes.

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Reviewed by Life5 Legal Team · Your Life Correduría · DGSFP License J3945

Yes. One of the most common expat concerns — and one we handle end to end. Beneficiaries can be named anywhere in the world, and the Life5 claims team processes the payout:

• To European bank accounts via SEPA transfer (standard, no fees).
• To non-European bank accounts via international SWIFT transfer. Any international transfer fees are disclosed upfront; beneficiaries do not need to open a Spanish bank account.

Required documentation (death certificate, beneficiary ID, bank details) can all be submitted in English. Our claims team handles the translation and submission to AXA on your family's behalf.

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Reviewed by Life5 Legal Team · Your Life Correduría · DGSFP License J3945