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Life Insurance
Protect your peace of mind and that of your loved ones in the face of adversities such as death or disability.
- You are covered against possible unforeseen events.
- Benefit from guidance and counselling services.
Sign up online and get a 20% discount forever* in the Family Protection Plus and Family Protection for Women modality.
We look out for you and your loved ones
With our life insurance from the family protection line
Choose the option that best suits your coverage requirements and provides you and your loved ones with peace of mind.
Essential Protection for your Family1
Protect your family against the potential loss of income in the event of death, from €120 per year.
Family Protection for Women
Exclusively for women with compensation of €30,000 in case of cancer in women2.
Family Protection Plus
With coverage for Death, Serious Disability and Permanent Disability included.
What do they protect me against?
Find out about the coverage3 provided by your Life Insurance: Family Protection Plus, Family Protection for Women and Essential Family Protection.
|
Cover |
Family Plus Protection |
Family Protection for Women |
Essential Family Protection |
|---|---|---|---|
|
Death | ✓ | ✓ | ✓ |
|
Absolute Permanent Disability | ✓ | ✓ | - |
|
Serious Disability | ✓ | - | - |
|
Female cancer2 |
- | ✓ | - |
|
Additional payout in case of accidental death |
Optional |
- | - |
|
Death due to traffic accident |
Optional |
- | - |
|
Additional family protection services | ✓ | ✓ | - |
- Death. In the event of death, the beneficiaries will collect the amount contracted in the policy.
- Accidental death. In addition to the capital for death covered as the main risk, the capital provided for by accident will be added.
- Accidental Death due to road traffic accident. Both the capital for accidental death and the capital for accidental death due to road traffic accident will be added to the capital for death covered as the main risk.
- Absolute Disability. An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
- Severe Disability. Understood as a situation of disability which, as a result of anatomical or functional losses and also implies the need for assistance from another person to perform the most basic day to day actions, such as dressing, moving, eating or similar. It must be officially recognised by Social Security or other equivalent body.
- Cancer in women. In case of the diagnosis2 of a cancer suffered by women, the beneficiary will receive the insured capital. It covers both the cancer and carcinoma in situ (cancer in the early stages of detection, encapsulated and not yet spread) originating from any of the following organs or tissues: uterine cervix or neck of the cervix, uterine body or uterus, ovaries, fallopian tubes , vagina, vulva or breast, also including placenta carcinoma. The payment of this capital will mean the cancellation of the guarantee for cancer suffered by women.
- Additional services. The Protección Familiar Plus and Protección Familiar en Femenino policies have additional services such as medical guidance, nutrition and dietary advice and healthy habits testing.
Conditions for taking out the policies
Depending on the selected product, your age and insured payout, you will have to fill out a simple medical questionnaire, a medical survey by phone or a medical examination.
|
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Minimum age for taking out the policy |
Maximum age for taking out the policy |
|---|---|---|
|
Family Protection Plus |
18 years |
64 years |
|
Family Protection for Women |
18 years |
64 years |
|
Essential Family Protection |
32 years if you take it out online. 42 years if you take it out at a branch or through Santander Personal. |
64 years |
Preguntas frecuentes
Arranging life insurance is to guarantee being able to face complicated circumstances with the greatest possible peace of mind and support.
For the Family Protection Plus, Family Protection for Women2 and Essential Family Protection insurance policies, the beneficiaries previously appointed by you will receive the compensation if you die. For other cover, the compensation will be received by the insured party.
For the Family Protection Plus, Family Protection for Women and Essential Family Protection life insurance policies, they may be changed at any time, except where the beneficiary has been appointed as irrevocable.
This refers to death caused by any external, sudden and violent event, beyond the control of the insured party, resulting in death within 365 days from the date of occurrence. In no case is myocardial infarction or cerebrovascular disease considered an accident.
Accidental Death due to road traffic accident is understood to be that which occurs as a pedestrian caused by a vehicle, as a driver or passenger in a motorised land vehicle and bicycle, or that occurred as a passenger in public land, sea or air means of transport.
An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
A situation of disability which, as a result of anatomical or functional losses and also implies the need for assistance from another person to perform the most basic day to day actions, such as dressing, moving, eating or similar. It must be officially recognised by Social Security or other equivalent body.
Yes. The capital covered will not be paid in case of:
- Suicide, attempted suicide, crime, gambling, challenges or fights in which you participate (unless in legitimate self-defence).
- Events caused by the consumption of drugs or alcohol.
- Illnesses or accidents not declared prior to taking out the insurance.
* Promotion valid from November 1 to November 30, 2025. Promotion applies only to Protection Familiar Plus and Protection Familiar en Femenino life insurance policies. 20% discount apply for the lifetime of the policy. Exclusive offer for contracts made through the digital channel, website, or app. Check the legal bases of the campaign here.
1. Contracting digitally, the insured capital is €25,000 and from €120 per year. If you take it out at your branch or Santander Personal, the insured capital of the policy is €50,000 and from €240 per year.
2. The assessment must be confirmed by medical tests and by the report of a specialist. Subject to contractual conditions of the insurance policy.
3. Subject to contractual conditions of the insurance policy.
Insurance mediated by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. ("Santander Mediación"), through its distribution network Banco Santander S.A., under the agency contract it has signed with the insurance company Santander Vida Seguros y Reaseguros, S.A. Santander Mediación is a company registered in the register of the General Directorate of Insurance and Pension Funds under number OV-0042 and has subscribed to civil liability and capacity insurance financial according to current legislation. Consult the rest of the insurance companies with which Santander Mediación maintains an Agency Contract for the distribution of insurance products in www.santandermediacionobsv.com.
Planeta Seguros
Pay your insurance month by month at no additional cost. You can also save the more you have, up to 11%. That easy!
Life Insurance
- Three modalities for your needs
- Protect your peace of mind and that of yours
- Take out online or at your office
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