Get your funeral insurance quote
Tell us who the cover is for and what matters to you. We will explain the services included and how the premium is structured.
What you can expect
- A reply from a real, English-speaking person — not an automated pricing engine.
- What the policy actually provides — funeral insurance in Spain normally arranges services rather than paying a fixed sum.
- How the premium structure works and what it may mean for the cost over time.
- We use your details to respond to your enquiry and manage your quote request.
What happens next
- We review your details
We will review who the cover is for and the arrangements that matter to you. - You receive clear options
By email or a call — whichever you prefer. - You decide in your own time
We answer questions and arrange the cover when you are ready.
Before you start
What to have ready
This is a product where the answers are personal rather than technical.
- Dates of birth for everyone to be covered.
- Nationality, and the province you live in.
- Whether the cover is for one person, a couple, or a family.
- Whether repatriation cover is wanted, and to which country.
- Whether the preference is burial or cremation.
- Any existing policy of this kind, including one arranged through a bank.
Why age at entry shapes the whole contract
Funeral cover is bought once and held for a very long time, so the terms at the start matter more than in almost any other product.
Premiums may be offered using structures described as prima natural, prima nivelada, prima seminivelada, prima seminatural, prima mixta or prima única. Terminology and calculations vary by insurer. A natural premium generally changes more directly with age; a level premium aims to spread cost more evenly but is not guaranteed never to rise. Which suits you depends on your age now and how long the policy is likely to run, so it is worth discussing rather than picking from a list.
There is a document that makes that discussion possible, and you are entitled to it. Before a funeral contract is concluded, in any modality, the insurer must provide an estimated projection of annual commercial premiums to age 90, together with how the insured capital evolves. This is compulsory, not a courtesy that varies between insurers. Ask for it alongside the quotation and read it as an illustration of the structure's shape rather than a promise — the first year's figure on its own tells you very little.
Say at the outset whether repatriation matters and to where. For international residents it is usually the reason for buying at all, and it is not always included as standard.
Mention any policy you already hold, including one that came bundled with a bank account. Duplicating this cover is commoner than you would expect, and finding out at the quote stage is better than finding out afterwards.
Asking for a quote commits you to nothing. We do not need payment details to prepare one, and nothing is arranged until you say so.