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The average premium for death insurance in Spain sits between €50 and €80 per year; after a death, a single call to the insurer (available 24 hours a day) is enough to activate the cover. We know this is a difficult time: we bring together clear information, with no pressure. What the policy covers and what it excludes · natural, level or mixed premiums · how to check the RCSF if you cannot locate the policy · what the OCU says about whether it is worth it. Taking out a policy, saving, or paying for the funeral directly are all equally respectable options.
Everything about death insurance in Spain: what it covers, how much it costs, OCU analysis on whether it is worth it and how to use it after a death. Guide 2026.
Comparison of death insurance (seguro de decesos) in Spain 2026: prices by insurer, basic and supplementary coverage, premium types and how to choose.