Get Free Information with No Obligation — We Guarantee the Best Price and Coverage

▷ Death Insurance ⭐

  And Many More…

Insurance Death AXA Spain

AXA Death Insurance was established in Spain in 1991 as a result of the merger of Mare Nostrum, SICA Vida, Unión Condal, and Paternal SICA. In 1998, AXA Seguros, Aurora Polar, and UAP Ibérica merged. It was then decided that the AXA Aurora Holding, composed of AXA Aurora Vida and AXA Aurora Ibérica, would operate under a single brand: AXA Seguros.

In 2000, with the sale of BBVA’s shares in AXA Aurora Holding, AXA Seguros e Inversiones became wholly owned by AXA. By 2014, AXA remained the world’s leading insurance brand, a title awarded for the sixth consecutive time by Interbrand. The rapid growth AXA Death Insurance experienced over more than 25 years of operations in Spain has placed AXA Death Insurance among the best in the country.

Since its creation, AXA Death Insurance has pursued a consistent mission: helping clients face both small and large daily life challenges, supporting them in their projects, and providing peace of mind for the future. Its strategy and commercial model are based on three product lines: non-life, life, and asset management. In death insurance, AXA guarantees that during those difficult moments following the death of a loved one, clients do not need to worry about required procedures and administrative tasks, such as transfers, funerals, paperwork, and family support.

AXA Seguros Spain offers an extensive portfolio of insurance products, including AXA Life, AXA Home, AXA Death Insurance, AXA Health, AXA Dental, AXA Savings and Investment, AXA Auto, and much more.

Why Contract AXA Death Insurance?

By contracting AXA Death Insurance, in the event of the death of a family member, you will not have to take care of anything. None of the required procedures and administrative tasks—such as funerals, paperwork, transfers, and family support—will be your responsibility.

The AXA Funeral Insurance is more than a simple death policy. From the moment of the insured’s passing, you will have a personal manager providing family assistance. Additional benefits include:Repatriation to the country of origin for foreign residents at no extra cost.Free coverage for children under 4 years of age.Exemption from paying the premium for insured individuals over 30 years of policy age and for those over 90 years old.No waiting periods, allowing immediate use of coverage.

On-site psychological assistance, legal advice, free online will service, lifetime coverage, and return of unused capital to beneficiaries.

The policy covers funeral services, transfers to any cemetery in Spain, repatriation, and assistance with official paperwork such as obtaining certificates, pension processing, and more. The online will service allows you to create your will from home, with a lawyer reviewing the document and providing recommendations if necessary.

AXA Death Insurance is ideal for everyone. If you have not yet contracted AXA Funeral Insurance, this is the perfect opportunity.

Additionally, AXA provides psychological assistance to offer practical support and guidance during the grieving process. AXA Death Insurance also offers 24/7 telephone consultations, 365 days a year, and in-person sessions for insured individuals or family members who need them. AXA Seguros Spain also provides legal advice and support throughout the process.ico telefónico en asuntos relacionados con el fallecimiento.

Conditions to Contract AXA Death Insurance Spain

Although it may sound unusual to say, a funeral insurance policy is one of the best investments you can make to ensure peace of mind for yourself and your family. You may be wondering: Where should I go to contract a funeral insurance policy? What steps should I take? What matters should I keep in mind? If you have decided on AXA Death Insurance, take note, because here we will briefly explain how to contract an AXA death insurance policy.

You must complete a simple death insurance application form and a health questionnaire, both provided by AXA Seguros Spain. With this information, they will prepare a quote for you, possibly offering alternatives that suit your personal or family situation.

If you are in good health and between 18 and 70 years of age, you can choose from several options such as AXA Level Premium Death Insurance, Natural Premium, or Mixed Premium. However, if you are older, there are other options available. Some death insurance providers set the age limit at 80 years, while others extend it up to 84 years.

What Documentation Do I Need to Contract AXA Death Insurance?

With a death insurance policy, you gain access to a highly useful product that allows you, with a simple phone call, to handle all matters related to arranging a funeral. This is extremely important, as without such a tool, managing a funeral would be complicated—especially during emotionally difficult moments—while also placing a significant financial burden on the family. Therefore, obtaining a death insurance policy is an excellent investment, providing peace of mind and substantial savings in both time and money.

If you wish to contract a death insurance policy, insurance companies require certain documentation. For AXA Death Insurance, the necessary documents are generally the same requested by most death insurance providers:

1. No Serious Illness Prior to Contracting: If an applicant suffers from any serious illness, they cannot contract a death insurance policy, as insurers do not cover individuals with serious pre-existing conditions.
2. Policyholder over 18 years old: The person completing the process to contract the policy must be of legal age. However, this requirement does not apply to the other members to be insured. In other words, additional insured persons do not have this age restriction.
3. Full Name and Surnames: When contracting a death insurance policy, clearly and accurately providing the full names of all insured members ensures there are no complications in processing or organizing the funeral. This helps avoid delays and obstacles.
4. Photocopy of ID, NIE, or Passport of the Policyholder: All documents must be valid to avoid delays or rejections when establishing the policy.
5. Bank Account in Spain
6. Dates of Birth of All Insured Persons: The age of each insured member is determined by their date of birth. Knowing this allows the insurer to calculate the policy premium accurately.
7. Address: One of the most important elements for insurers in determining the cost of the policy is knowing the applicant’s residential address, including the province, as funeral costs vary by location.
8. Complete the Health Questionnaire: This determines whether the persons to be insured have any chronic or pre-existing medical conditions.

What Factors Influence the Price of AXA Death Insurance?

If you are looking for a death insurance policy, insurers generally aim to design the most suitable coverage according to your specific needs. To do this, certain factors that significantly affect the policy price must be taken into account. By clearly understanding these elements, the insurance company can assess the risks and calculate the premium of the offered policy. This is a standardized process and does not apply only to AXA; the information below is generally applicable to all death insurance providers.

Here are the main factors that influence the price of AXA Death Insurance:

1. Coverages: The price of a death insurance policy varies according to the coverages you select. Adding additional coverages may provide extra benefits and privileges but will also increase the overall policy cost.
2. Date of Birth / Age: Just like in health insurance, age affects the price of death insurance. The older the insured, the higher the risk assumed by the insurance company. In addition, different types of death insurance policies may apply depending on your age.
3. Residential Area: The location of residence influences the price because funeral costs vary by region. For example, renting or purchasing a burial niche in Barcelona is not the same as in Madrid or another area. Therefore, depending on where you live, the cost of the policy may change.
4. Repatriation: The cost of repatriation depends on the country where you want to be repatriated and how far it is. This can increase or decrease the policy price. Repatriation is a decisive factor when calculating the cost of the policy.

How Can I Cancel AXA Death Insurance?

After paying for a death insurance policy for a long time, many people may find themselves needing to cancel it. This unfortunate decision can be due to several reasons. Common reasons include receiving a better offer from a competing insurance company, encountering serious issues with the current insurer due to poor service quality, or, in the most difficult cases, facing financial difficulties that make it impossible to continue paying for the policy.

These are just a few of the many reasons someone might want to cancel a death insurance policy. If any of these situations apply to you, it is important to know that there are clear procedures to cancel your policy. The process is straightforward and should not present any complications.

The AXA Death Insurance contract is for 12 months, but this rule is not unique to AXA. All death insurance providers follow similar procedures, as Spanish burial insurance law requires that cancellation must be notified one month before the policy anniversary.

For example, if your AXA death insurance policy—or a policy from another provider—expires on December 31, you must notify the insurance company of your decision not to renew before November 30..

What Is the Waiting Period for AXA Death Insurance?

The waiting period is the amount of time that begins from the day the death insurance policy is activated until the insured becomes eligible for certain benefits. During this period, some contracted coverages are postponed and cannot be used immediately. Generally, this is done to protect the financial interests of the insurance company.

For AXA Death Insurance, the waiting period can be defined as the time, measured in months from the policy start or activation date, after which it becomes possible to begin using certain contracted coverages that were initially deferred.

If you fill out the form above, we can advise you on the best options according to your specific situation and answer all your questions.

What Are the Exclusions of AXA Death Insurance?

When contracting a death insurance policy, everyone aims to avoid the high costs associated with arranging a funeral, as well as the cumbersome and complicated procedures that accompany these difficult moments. However, before subscribing to a policy, it is important to understand that there are certain factors that significantly affect the coverage. One of the most important of these factors is exclusions—elements within death insurance policies that define what is and isn’t covered.

For AXA Death Insurance, as with other providers, the policy generally excludes deaths caused by Natural disastersRadioactive radiationNuclear energyActs of warTerrorist actsCivil disturbancesAdditionally, exclusions may include situations that do not entitle beneficiaries to any compensation according to the insurance contract law, as well as deaths that occur before the payment of the first premium. Understanding these exclusions ensures clarity about the limits of coverage in the policy.

Can I Contract AXA Death Insurance with a Serious Illness?

It is essential to know which factors can make it possible—or impossible—to contract a death insurance policy. One of the main limiting factors is the presence of serious illnesses. For example, if an applicant has cancer, has suffered a heart attack, has a coronary condition, or other serious medical conditions, it is unfortunately not possible to contract a death insurance policy in Spain, as these are considered serious illnesses.

According to Article 10 of Law 50/1980, of October 8, on the insurance contract in Spain, the insurer is exempt from paying any compensation if false information is provided in the medical questionnaire, including omission of any pre-existing serious illness.

However, if the applicant has had a serious illness, it is possible to contract AXA Death Insurance only if the illness has been fully overcome without serious lasting effects. This must be verified in advance. The insurance company may request certain documents or evidence from the policyholder to certify that there are no serious residual effects from any past or present serious condition.

Insurance Death AXA Spain

Main Coverages of Insurance Death AXA Spain