{"id":1970,"date":"2025-06-24T14:48:43","date_gmt":"2025-06-24T14:48:43","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1970"},"modified":"2025-10-17T12:46:05","modified_gmt":"2025-10-17T10:46:05","slug":"seguros-de-decesos","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/","title":{"rendered":"Death Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#%C2%BFComo_contratar_un_Seguro_de_Decesos_en_Espana\" >How to take out Funeral Insurance in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#%C2%BFPara_que_sirve_un_Seguro_de_Decesos\" >What is a Death Insurance policy for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#%C2%BFQue_cubre_un_seguro_de_decesos_en_Espana\" >What does funeral insurance cover in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Tipos_de_primas_nivelada_natural_semi-natural_o_unica\" >Types of premiums: level, natural, semi-natural or single premiums<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Prima_Nivelada\" >Level Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Prima_Natural\" >Natural Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Prima_Semi-Natural\" >Semi-Natural Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Prima_Unica\" >Single Premium<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Garantias_adicionales_asistencia_y_cobertura_por_accidentes\" >Additional guarantees: assistance and accident cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Diferencia_entre_seguro_de_vida_y_seguro_de_decesos\" >Difference between life insurance and death insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#%C2%BFCuanto_cuesta_un_seguro_de_decesos_al_mes\" >How much does funeral insurance cost per month?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Lo_que_debe_saber_antes_de_contratar\" >What you should know before contracting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-decesos\/#Marco_legal_y_garantias_del_asegurado\" >Legal framework and policyholder guarantees<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_contratar_un_Seguro_de_Decesos_en_Espana\"><\/span>How to take out Funeral Insurance in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Funeral insurance, also known as burial insurance, death insurance or even popularly as \"insurance for the dead\", is a type of cover that can be key at difficult times. Although many people prefer not to think about it, a good understanding of this insurance can help to avoid unforeseen events and hasty decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPara_que_sirve_un_Seguro_de_Decesos\"><\/span>What is a Death Insurance policy for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When a loved one passes away, in addition to the emotional impact, there are a number of other tasks and expenses that can be a burden on the family. This type of insurance is designed to cover these costs and tasks, such as the funeral service, transfers, and even administrative procedures: death certificate, registration in the civil registry, burial or cremation licences, among others.<\/p>\n<p>The main objective of this insurance is to facilitate all these processes for family members at a delicate time. There are different modalities and coverages, so it is important to know the options well in order to choose the one that best adapts to each case.<\/p>\n<p data-pm-slice=\"1 1 &#091;&#093;\"><section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Your peace of mind, protected from today<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Request information about your Funeral Insurance and find out how we can help you to plan it clearly and without obligation.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Tu+tranquilidad%2C+protegida+desde+hoy\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_de_decesos_en_Espana\"><\/span>What does funeral insurance cover in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Basic coverage usually includes:<\/p>\n<ul>\n<li>Ark and hearse<\/li>\n<li>Set-up of the service and preparation of the corpse<\/li>\n<li>Mortuary and mortuary chapel<\/li>\n<li>Burial or cremation<\/li>\n<li>Official certificates and burial licence<\/li>\n<li>Flower wreath and accompanying carriage<\/li>\n<li>Temporary grave or niche, gravestone and inscription<\/li>\n<li>Religious services, if requested<\/li>\n<\/ul>\n<p>This set of services is covered by a capital sum insured, which varies according to the province of residence and the insurer. Some companies adjust the value annually to compensate for price increases such as CPI or VAT.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_de_primas_nivelada_natural_semi-natural_o_unica\"><\/span>Types of premiums: level, natural, semi-natural or single premiums<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the most important aspects to take into account when taking out funeral insurance is the type of premium. There are several types, each with its own characteristics:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Prima_Nivelada\"><\/span>Level Premium<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It is a fixed fee that does not increase with age, it can only vary with the update of the cost of the service. It has a higher initial price, but offers stability over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Prima_Natural\"><\/span>Natural Premium<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In this case, the premium increases each year according to the age of the insured. It is often the cheapest option initially, but over time it can far exceed the cost of a level premium.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Prima_Semi-Natural\"><\/span>Semi-Natural Premium<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is an intermediate option. Premiums are reviewed and revalued over periods of several years, such as five-year periods.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Prima_Unica\"><\/span>Single Premium<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It is paid in a single payment. This is less common, but could be interesting in certain specific circumstances.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Garantias_adicionales_asistencia_y_cobertura_por_accidentes\"><\/span>Additional guarantees: assistance and accident cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In addition to the funeral service, many funeral insurance policies include other complementary coverage that can be useful:<\/p>\n<ul>\n<li><strong>Travel assistance<\/strong>Both at home and abroad (transfer of the wounded, repatriation, dispatch of medicines, etc.).<\/li>\n<li><strong>Death or disability due to accident<\/strong>which provides additional capital in the event of a claim.<\/li>\n<li><strong>Medical consultations<\/strong> or access to health service networks, in some policies.<\/li>\n<\/ul>\n<p>These guarantees may increase the price, so it is worth checking whether they really meet your needs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Diferencia_entre_seguro_de_vida_y_seguro_de_decesos\"><\/span>Difference between life insurance and death insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although they are often confused, they are not the same:<\/p>\n<ul>\n<li>The <strong>death insurance<\/strong> focuses on arranging and paying for the funeral service and the arrangements after the death.<\/li>\n<li>The <strong>life insurance<\/strong> provides financial compensation to beneficiaries, but does not directly cover funeral expenses.<\/li>\n<\/ul>\n<p>The two products may be complementary, but they have different functions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_de_decesos_al_mes\"><\/span>How much does funeral insurance cost per month?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The monthly price may vary depending on several factors: the age of the insured, the insured capital, the province of residence, the type of premium and the coverage contracted.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lo_que_debe_saber_antes_de_contratar\"><\/span>What you should know before contracting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you already have a death insurance policy and you are being offered another one, it is essential to compare the conditions carefully. Pay particular attention to the type of premium: if you switch from a level premium to a natural premium, you may pay less at the beginning, but more in the long run.<\/p>\n<p>In addition, if you stop paying a level premium, you will lose the accumulated seniority, which may affect future conditions if you take out a new one.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Marco_legal_y_garantias_del_asegurado\"><\/span>Legal framework and policyholder guarantees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Death Insurance in Spain is regulated by specific regulations that protect the insured. For example, the <a href=\"https:\/\/www.boe.es\/boe\/dias\/2009\/08\/01\/pdfs\/BOE-A-2009-12748.pdf\" target=\"_blank\" rel=\"noopener\">Royal Decree 1298\/2009<\/a> provides that, before the contract is signed, the policyholder must be given a clear information note on:<\/p>\n<ul>\n<li>The type of premium (natural, levelled, etc.)<\/li>\n<li>Calculation of the initial premium and its evolution<\/li>\n<li>Risk factors (age, capital, cost of services)<\/li>\n<li>Table of premiums up to the age of 90<\/li>\n<li>Clauses such as indisputability<\/li>\n<li>Conditions for termination of the contract<\/li>\n<\/ul>\n<p>This regulatory framework ensures that consumers can make decisions with transparent and complete information.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p>The <strong>death insurances<\/strong> not only relieve the family at a critical time, but also allow them to plan ahead with peace of mind. To receive personalised advice, <a href=\"https:\/\/lawebdeseguros.com\/en\/contact\/\">contact the specialists<\/a> of lawebdeseguros.com and resolve all your doubts without obligation.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Facilitates all procedures and expenses in the event of death. Comprehensive coverage that relieves your loved ones in the most difficult moments, with a complete service.<\/p>","protected":false},"author":2,"featured_media":2546,"parent":1897,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[23],"class_list":["post-1970","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-personales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1970"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1970\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2546"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}