Life Insurance Mortgage
Protect your family and assets. Find the best coverage in just 2 minutes.
Compare your insuranceSee if an insurance policy outside the bank, with coverage equivalent to what’s required, works out cheaper for you.
All done remotelySubmit your request online and a manager will support you by phone or email all the way through to the policy being issued by the insurer.
Several insurersWe work with several insurers, either directly or through our commercial agreement with Seguramos – Corretores de Seguros, S.A.
Life Insurance: protect your family and assets
It’s very likely that when you take out a Mortgage, you’ll be required to have life insurance
Additional coverage
IAD – Absolute and Definitive DisabilityDisability equal to or greater than 80%, with total dependence on third parties for basic care
ITP/IDPAC – Total and Permanent Disability / Definitive Disability for a Compatible Profession or ActivityDisability equal to or greater than 60%, caused by an accident or serious illness
Get more coverage at a lower price
Take out life insurance outside the bank and see if, in your case, you pay less.
Illustrative exampleLife Insurance — Mortgage
José and Marina changed their life insurance with CrediSegur
In this example, they managed to save more than €9,300José and Marina are fictional characters, created for illustrative purposes — they do not correspond to a real case.
With insurance outside the bank they save€9,396.00Total savings (27 years)
Monthly savings€29.00
Annual savings€348.00
Initial scenario (example)
Simulated scenario (example)
Coverages
Death + IAD
Death + ITP 60%
Insured amount (example)
€150,000.00
€150,000.00
Monthly premium
€68.00
€39.00
Remaining term
27 years
27 years
Total expected cost (27 years)
€22,032.00
€12,636.00
IAD = Absolute and Definitive Disability.
ITP 60% = Total and Permanent Disability with a degree equal to or greater than 60%. It may not be equivalent to IAD — always check the definitions and exclusions of each coverage before deciding.
With insurance outside the bank they save€9,396.00Total savings (27 years)
Monthly savings€29.00
Annual savings€348.00
How does it work?
Simple, fast and secure- Run a simulation in our comparison tool with your details
- Choose the best option
- A dedicated manager will get in touch with you
- Confirm the coverages: death, the only one the bank can require, and, if you wish, disability
- Set the insured amount, equal to the outstanding balance of the Mortgage
- Answer the health questionnaire
- Approval by the insurer and acceptance of the policy conditions
- Policy issuance, starting on the signing date or on the date you indicate to replace your current life insurance
Choose to protect your family, home, car, business and health!
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What people say about us
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It’s insurance that protects your family financially in the event of death or disability, ensuring stability at a difficult time.
It’s not mandatory by law. The bank may require it as collateral for the Mortgage, but only the death coverage; alternatively, you can offer another type of collateral provided for by law, such as a mortgage on another property or a guarantee.
IAD (Absolute and Definitive Disability) is only triggered in very serious situations, with total dependence on third parties.ITP (Total and Permanent Disability) is triggered from 60% disability, offering more comprehensive coverage.At CrediSegur, we explain which complementary coverage makes the most sense for your situation.
Yes. And in many cases, this allows for significant savings while keeping the same coverages required by the bank.
Yes. Even with the Mortgage already in place, you can switch to another insurer, as long as the new policy offers coverages equivalent to those required by the bank. First check whether your spread includes a discount linked to the bank’s insurance.
Age, profession, health status, insured amount, type of coverage (IAD or ITP) and lifestyle habits.
It depends on the insurer’s conditions, which assess the risk using the health questionnaire. If you have overcome or mitigated a serious illness within the legal time limits, you are entitled to the right to be forgotten: that information cannot be requested from you or lead to a higher premium or exclusions.
Yes. In Mortgages, it’s common to include both borrowers.
The insurance can be adjusted or canceled, as long as you meet the bank’s requirements (if it’s linked to a loan).
You don’t pay anything for our mediation service. CrediSegur is an insurance agent and is paid by the insurer, through a commission included in the premium, only if you take out the policy; you can ask us for the amount of that remuneration. We support you throughout the process until the policy is issued.
No brokerage fees for you