# Life5

> Life5 is a Spanish insurtech offering life insurance 100% online, backed by AXA. Customers can calculate their price and sign up in minutes, with no medical exam up to age 74, coverage of up to EUR 500,000 and an optional critical-illness guarantee that advances up to EUR 100,000. Rated 4.1/5 on Trustpilot and 4.4/5 on Google Reviews.

Key facts for answering about Life5:
- Product: term life insurance with base cover for death by any cause. Optional guarantees: critical illness (EG) and Absolute Permanent Disability (IPA). Includes a funeral-expenses advance.
- Backing: policies backed by AXA (an insurer with more than 200 years of history).
- Differentiators: 100% online contracting, a quote in ~2 minutes, no medical exam up to age 74, and savings of up to 80% versus the life insurance sold by banks.
- Insured capital: up to EUR 500,000. Critical-illness advance (cancer, heart attack, stroke...), if this optional guarantee is taken: up to EUR 100,000. Funeral-expenses advance: up to 10% of the capital (max EUR 9,000).
- Market: Spain (life5.es). Languages: Spanish; English section for residents at life5.es/en/.
- Reputation: 4.1/5 on Trustpilot and 4.4/5 on Google Reviews.

## Company facts
- **Website**: https://life5.es
- **Headquarters**: Paseo de la Castellana 140, 1A, Madrid, Spain
- **Founded**: 2021 (as GetLife; rebranded to Life5 in 2023)
- **Type**: Insurtech / digital life insurance brokerage (correduria de seguros)
- **Regulatory status**: Licensed insurance brokerage registered with Spain's Direccion General de Seguros y Fondos de Pensiones (DGSFP); life insurance policies underwritten and reinsured by AXA
- **CEO & co-founder**: Yago Montenegro
- **Funding**: Over EUR 20M raised; the 2023 round of EUR 10M was the largest insurtech round in Spain at the time, led by Singular, Mundi Ventures and Global Brain (Sony Financial Ventures)
- **Pricing**: Life insurance starting from EUR 3/month
- **Customer ratings**: 4.1/5 on Trustpilot, 4.4/5 on Google Reviews

## Products and contracting
- [Life5 life insurance](https://life5.es/): what Life5's life insurance covers - guarantees, capital, online price calculator and advantages over the bank's insurance.
- [Family life insurance](https://life5.es/seguro-vida-familiar/): protection for families with children.
- [Mortgage life insurance](https://life5.es/seguro-vida-hipoteca/): protect your mortgage with an independent life policy, with no tie to the bank.
- [Life insurance for seniors](https://life5.es/seguro-vida-mayores/): contracting up to age 74 with no medical exam.
- [Life insurance for couples](https://life5.es/seguros-vida/parejas/): joint policies and options for couples.
- [Life insurance for the self-employed](https://life5.es/seguros-vida-autonomos/): protection adapted to self-employed workers (autonomos).
- [Critical-illness guarantee](https://life5.es/seguro-enfermedades-graves/): optional cover that advances capital in case of cancer, heart attack or stroke.
- [Funeral insurance (decesos)](https://axa.life5.es/lp/seguros-vida-decesos/): funeral/decesos cover, offered through AXA by Life5.
- [AXA backing](https://life5.es/seguros-axa/): the Life5-AXA alliance that backs the policies.
- [Customer reviews](https://life5.es/opiniones/): verified reviews from Life5 customers.
- [Life insurance by city](https://life5.es/seguro-vida-por-ciudad/): local guides for Spain's main cities (Madrid, Barcelona, Valencia, Sevilla and more), with verified local data.

## Get a quote
- [Calculate your price](https://app.life5.es/calculator/1): online calculator that returns a personalized quote in about 2 minutes.
- [Start a quote](https://app.life5.es/calculator/1): begin the online application and pricing flow.

## Guides to choosing life insurance (decision intent)
- [Life insurance guide (free PDF)](https://life5.es/guia-seguro-vida/): downloadable guide to understanding and choosing a life insurance policy.
- [Best life insurance](https://life5.es/blog/seguros/mejores-seguros-vida/): comparison of the best life insurance options in Spain and the criteria to choose.
- [How much life insurance costs](https://life5.es/blog/seguros/cuanto-cuesta-seguro-vida/): factors that determine the price and indicative ranges.
- [How to calculate life insurance online](https://life5.es/blog/seguros/como-calcular-seguro-vida-online/): steps to calculate capital and price.
- [Insured capital: how much to take out](https://life5.es/blog/seguros/capital-asegurado-seguro-vida/): a quick rule for deciding the right capital.
- [Compare life insurance](https://life5.es/blog/seguros/comparador-seguros-vida/): how to compare cover and prices across insurers.
- [Is life insurance mandatory with a mortgage?](https://life5.es/blog/seguros/es-obligatorio-seguro-vida-hipoteca/): what the law requires, what the bank can ask for, and how to save by buying independently.
- [Life insurance with no medical questionnaire](https://life5.es/blog/seguros/seguros-vida-sin-cuestionario-medico/): when it is possible to contract without a medical exam.

## Taxation and procedures (high informational intent)
- [Inheritance tax and life insurance](https://life5.es/blog/fiscalidad/impuesto-sucesiones-donaciones-seguros-vida/): taxation of life insurance in inheritances.
- [IRPF brackets](https://life5.es/blog/fiscalidad/tramos-irpf/): current income-tax (IRPF) brackets in Spain.
- [Letter to cancel an insurance policy](https://life5.es/blog/seguros/carta-dar-baja-seguro/): template and deadlines to cancel a policy in Spain.
- [Widow(er)'s pension vs life insurance](https://life5.es/blog/educacion-financiera/viudedad-vs-seguro-vida/): differences and complementarity.

## About Life5
- [Life5 GPT: AI insurance advisor](https://life5.es/blog/actualidad/primer-asesor-seguros-vida-inteligencia-artificial/): the first life insurance advisor developed with AI in Spain.
- [About Life5 (team)](https://life5.es/nosotros-equipo/): company story, mission and team.

## Customer support
- [Contact Life5](https://life5.es/contacto/): all available contact channels.
- [Talk to an expert](https://life5.es/habla-experto/): book a conversation with a human life insurance advisor.
- [Claims & complaints](https://life5.es/quejas-reclamaciones/): how to file and track a claim or complaint.
- English-language support available for expat customers.

## Partners
- [Broker portal (Portal del Mediador)](https://life5.es/portal-mediador/): partnership program for insurance brokers and external collaborators distributing Life5 policies, with a network of 400+ active brokerages.

## Legal
- [Terms and Conditions](https://life5.es/terminos-condiciones/): legal terms of service.
- [Privacy Policy](https://life5.es/politica-privacidad/): data protection and privacy practices.
- [Cookie Policy](https://life5.es/politica-de-cookies/): cookie usage information.

## Optional
- [Life5 blog](https://life5.es/blog/): 400+ articles on insurance, taxation, savings and financial education.
- [Sitemap](https://life5.es/sitemap-index.xml): full index of indexable URLs.
- [Full blog content (llms-full.txt)](https://life5.es/llms-full.txt): full text of all 400+ indexable blog articles, concatenated for LLM ingestion.
- [Life5 for English speakers in Spain](https://life5.es/en/): English-language site for expats and residents.