Funeral Insurance

The Santander Single Premium Funeral Insurance guarantees your peace of mind and that of your family with extensive coverage.

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Services before, during and after death

The death of a person involves high costs and numerous procedures that are normally difficult at a delicate time for the family. The Santander Single Premium Funeral Insurance offers peace of mind to you and your family, by making these procedures as painless as possible and offering all the services needed before death, at the time of death and afterwards¹.

Before:

Online, telephone or face-to-face legal assistance for the preparation of the notarial will.
Legal assistance to plan inheritance.
Automatic revaluation of the insured capital at no additional cost.

During:

Death service.
Personal manager to facilitate procedures with the funeral home.
National and international transfer.
Exclusive 24/365 phone.

After:

Management of digital end-of-life.
Post mortem procedures.

The Santander Single Premium Funeral Insurance also offers you an added service, a personal family assistance manager, with the aim of assisting the family at the place of the funeral service, respecting their wishes and managing the service with the funeral home. In the event that the Personal Manager does not appear, the Santander Single Premium Funeral Insurance, has a quality commitment whereby it undertakes to refund 5% of the premium paid.

You can choose all the elements of the funeral service, up to the limit of the insured capital, and if the burial expenses are less than the insured capital, any excess capital will be returned.

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Ensure the peace of mind of your loved ones with the Funeral Insurance

The Santander Single Premium Funeral Insurance has a wide range of coverage that guarantees the peace of mind of relatives at these painful times. It covers the cost of the funeral service, in accordance with the choice made by the Insured Person, up to the limit of the sum insured, handling the necessary procedures in the event of death, as well as offering specific cover that can be used from the first day, such as legal assistance.

You can check the complete coverage¹ in our table:

Coverage	Description
Death service	Funeral service, according to the choice made by the Insured: To be indicated at the time of the service. Burial, including burial unit (niche or grave). Burial, not including burial unit. Incineration. Family Assistance Commitment. Extraordinary expenses (legal intervention).
National Transfer	Transfer service for the Insured in the case of death in Spain. Cost of a companion of the deceased.
International Transfer	Transfer service for the Insured in the case of death abroad. Cost of a companion of the deceased.
Legal Assistance	Notarial Will. Living will and legal advice. Extrajudicial advice. Post mortem procedures. Final management of digital life.

The territorial scope of the coverage is Spanish, except in the case of International Transfer coverage, which will be provided worldwide.

How to take out the policy and its requirements

To arrange the Santander Single Premium Funeral Insurance, both the Policyholder and the insured must be residents in Spain. The Policyholder must be over 18 years old and a customer of Banco Santander. In the case of the Insured, they must be over 65 years old and does not need not to be a Banco Santander customer.

To facilitate the procedures, the premium will be paid in a single payment and the term of the insurance will be renewed annually until the death of the last insured person. Family policies allow up to a maximum of 7 insured persons.

Visit your nearest Banco Santander branch to arrange the insurance.

Shall we discuss it?

If you would like to find out more, just fill in this form and we will contact you.

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FAQs

What if the cost of the funeral service is less than my insured capital?

After the provision of the funeral service by the company, if there is surplus capital, the Policyholder or the heirs of the deceased Insured Party may request the surplus.

What happens if I want to redeem the money already contributed?

The insurance covers each Insured Party until their death, therefore, the redemption of the single premium paid is not contemplated. Only the legal right of withdrawal is contemplated within the first 30 days after the signing of the agreement and when duly communicated to the company provided that there has been no request for provision.

What happens if the place of the funeral service is different from the municipality of residence?

At the time of the death of an Insured party, a burial place different from that of the municipality of residence indicated in the policy can be chosen, always bearing in mind that the maximum limit for the funeral service coverage will be the capital established in the policy. Therefore, if any insured capital is left over, it will be returned to the Policyholder or, failing that, to the heirs of the deceased Insured Party. In the event that the insured capital is not sufficient, the difference will be borne by the foregoing.

Can I take out the policy if I am a foreigner?

As long as you are a resident in Spain, i.e., you have a NIE (foreigner’s ID card), you can take out the policy taking into account that the scope of coverage is the national territory, except for the International Transfer coverage, which will be provided worldwide.

Shall we discuss it?

If you would like to find out more, just fill in this form and we will contact you.

WE CALL YOU