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Disability and Loss of Earnings Insurance
A sudden injury or long-term illness can instantly strip away your ability to earn a living. In Spain, state benefits rarely cover even basic living costs, let alone maintaining your current lifestyle or paying for specialized rehabilitation. We provide a solution that guarantees a substantial lump sum payment at the exact moment your primary source of income disappears.
Ideal For
Self-employed professionals (Autónomos) and employees whose income relies heavily on their physical or mental health.
Capital Range
Coverage limits between €50,000 and €500,000 depending on your profile and monthly financial commitments.
Timeline
Policy selection and activation takes between 48 hours and 5 working days, subject to medical underwriting.
By 2026, the Spanish insurance market has become increasingly specific regarding medical classifications. For a policy to be truly effective, it must address not just physical disability but also professional incapacity. It is vital that the insured sum is sufficient to clear mortgages, settle debts, and support your family for several years without forced asset sales.
- Full coverage for Absolute and Permanent Disability for any occupation.
- Lump sum payment option rather than restricted monthly annuities.
- Inclusion of modern health challenges such as burnout and mental health disorders.
- Double capital payout in the event of disability resulting from a road traffic accident.
Agent's opinion "The most frequent mistake in 2026 is relying solely on mortgage-linked insurance. Bank-issued policies typically only pay off the bank's debt, leaving the individual and their family with zero liquidity. We strongly advise taking out an independent policy where you, not the bank, are the designated beneficiary."