❤️ Occident · Life Insurance

Protection for the people
who matter most.

For the family who's here with you and the one back home, a decision you make once and that protects forever.

Who is this insurance for

When you live abroad, the responsibility for those you love weighs more.

Living in another country means building a new life, but it also means that, in case of the unexpected, those who depend on you could be left without support on either side of the world. Life insurance is the most responsible decision you can make for your family.

01I have children or dependants, here or in my home country

02I have a partner and we've built a life together in Spain

03I'm self-employed and have no employer cover in case of disability

04I have a mortgage and want to ensure my family is protected

05I want to start planning the future responsibly

What's covered

Protection across multiple dimensions.

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Death benefit

In the event of death, the beneficiaries you choose receive the agreed capital, regardless of where they live.

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Permanent disability

If you're unable to work due to total or partial disability, the policy provides a capital sum for your protection.

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Serious illness

Diagnoses such as cancer, stroke or heart attack can be covered with an early capital payment to support treatment.

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Mortgage protection

Ensures the mortgage is covered in the event of death or disability, protecting your family's home.

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Beneficiaries of your choice

You choose who receives the capital, partner, children, parents abroad. No restriction on where beneficiaries live.

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Accidental death

Additional capital in the event of accidental death, with the possibility of doubling the amount in road accidents.

A different perspective

Moving abroad is an act of courage. Life insurance is the act of responsibility.

When we build a life far from home, we take on a commitment to the future, but also a greater responsibility to those we love. Life insurance isn't about fear of what might happen. It's about the certainty that those who depend on us will be okay, whatever happens.

"If tomorrow you weren't here, who would take care of those you take care of today?"

Frequently asked questions

Questions I get asked most.

Can I name beneficiaries who live abroad?

Yes. Beneficiaries can live in any country. You can nominate parents, siblings, children or anyone else, regardless of where they reside.

What level of cover should I take out?

It depends on your income, financial responsibilities and the situation of those who depend on you. In the consultation we do this analysis together, without pressure, to arrive at the amount that makes sense for your case.

Do I need to have medical tests to take out the policy?

For most cover amounts, no tests are required, just a health questionnaire. For higher capital amounts, a medical assessment may be requested. I explain the full process in the consultation.

A conversation worth having.

There are no right or wrong answers before we talk. Tell me your situation and we'll work out together what makes most sense for you and your family.