Preventiva Seguros

What Preventiva Seguros does

Preventiva Seguros (legal name: PREVENTIVA, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A.) is a privately held Spanish insurance company founded in 1943 in Oviedo, Asturias, and currently headquartered in Madrid. The company is registered with the Dirección General de Seguros y Fondos de Pensiones under administrative key C0155 and holds AENOR ISO 9001 and ISO 27001:2022 certifications. It specializes in death insurance (decesos) and family protection, operating within a broader group that includes sister carrier Expertia Seguros de Decesos and shared services subsidiary Avantia Servicios de Gestión.

The company sells a broad insurance portfolio organized around death insurance as its core competency, with Preventiva VIVO as a customizable flagship product featuring genetic legacy preservation (DNA banking with specialized biobank), digital testament services, digital erasure after death, psychological grief support, and worldwide transfer/repatriation. Complementary product lines include FUSIÓN (an integrated multi-coverage bundle combining death, life, accident, home, and medical insurance in a single receipt), PreveHogar (home insurance), Preventiva Única Plus and Basic (single-premium death insurance for the 60+ and 65+ segments), ProTGT (accident insurance), Preventiva Dental Familiar, and SME/commercial/community packages. Distribution combines a national network of 130+ offices and 2,000+ insurance intermediaries with direct digital touchpoints (online calculators, client portal, mobile apps for Salud/Dental/Guardian), and white-label/co-development partnerships with Liberty Seguros and Allianz Seguros.

Revenue is generated primarily through recurring insurance premiums (subscription model), with single-premium products available for seniors and additional fee-based assistance services (legal, psychological, daily life assistance). The company serves approximately 1 million insured persons across the group, claims 500,000+ satisfied families, and operates a 24/7/365 call center. Customer segments span families and individuals, seniors, SMEs, residential communities, and foreign residents in Spain. There is no disclosed parent company, no private equity or venture capital ownership, and no public listing.

Name

Preventiva Seguros

Legal name

PREVENTIVA, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A.

Website

https://preventiva.com

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Preventiva Seguros is a privately held Spanish insurance company founded in 1943 that specializes in death insurance and family protection, serving approximately 1 million insured persons across Spain through 130+ offices, 2,000+ intermediaries, and digital channels.

Ownership category

akta.pro rank

Product category

Death Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

akta.pro secondary industry

Stop-Loss / Medical Excess-of-Loss Reinsurance (FSAIANAI)

Keywords

• Death insurance
• Family protection insurance
• Funeral insurance services
• Home insurance coverage
• Accident insurance products

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums - Death Insurance (Decesos): Core recurring premium revenue from death insurance policies. Premium types include natural (yearly), mixed, and leveled premiums depending on age. Single premium (prima única) products available for customers over 60 years old.
2. Insurance Premiums - Multi-Risk Products: Revenue from home insurance (PreveHogar, FUSIÓN with home coverage), business/commerce insurance, community insurance, SME insurance, accident insurance (ProTGT), and dental insurance.
3. Insurance Premiums - Life Insurance: Revenue from life insurance products included in FUSIÓN bundle or standalone, covering death by any cause, absolute/permanent disability, and serious illness.
4. Service Fees - Assistance Services: Revenue from additional services included or optional in policies such as medical assistance, psychological support, legal management, dependent care, veterinary assistance, and daily life assistance.
5. Strategic Partnerships - White-label/Co-development: Revenue from providing death insurance expertise, product development, and operational support to non-specialist insurers (Liberty Seguros, Allianz) entering the death insurance market.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels8 records

Core offering

Preventiva Seguros is a Spanish insurance and reinsurance company specializing in family protection through death insurance (decesos) as its core product, complemented by a broad portfolio of life, accident, home, dental, business, community, and personal pension insurance. The company delivers end-of-life services including funeral services, international repatriation, legal/testament management, DNA preservation (genetic legacy), digital erasure of deceased data, psychological bereavement support, and 24/7 assistance, primarily to Spanish families and individuals through a network of intermediaries, own offices, call center, and digital channels.

Product overview

Preventiva Seguros is a Spanish insurance company founded in 1943, specializing in family protection and assistance services. The company operates a platform-plus-products architecture, offering a comprehensive portfolio of insurance products centered around death insurance (decenos) as its core competency, complemented by home, life, accident, dental, business, and community insurance products. The main product lines include Preventiva VIVO (customizable death insurance), FUSIÓN (integrated multi-insurance combining death, life, accident, home, and medical in single policy), PreveHogar (home insurance), Preventiva Única Plus/Basic (single-premium death insurance for seniors), Preventiva ProTGT (accident insurance), and various business/commercial insurance products. Supporting sub-brands include Preventiva Guardian (mobile protection app), Preventiva Vital (health), dental services, digital testament, permanent 24/7 assistance, genetic legacy DNA preservation, and digital erasure services. The company serves approximately 1 million policyholders through over 130 offices and more than 2,000 mediators nationwide, with AENOR-certified service quality.

Differentiator

Problem solved

Functional benefit

Brands

• Preventiva Salud: Health insurance services app and platform
• Preventiva Dental
• Preventiva Guardian
• Preventiva VIVO
• FUSIÓN
• PreveHogar
• Preventiva Única Plus
• Preventiva Única Basic
• Preventiva ProTGT
• Preventiva Dental Familiar
• Preventiva Vital

Products and services

• Preventiva VIVO A comprehensive and fully customizable death insurance (decesos) product for individuals and families, covering funeral services, international repatriation, legal and testamentary services, notarial testament, genetic legacy (DNA preservation), psychological grief support, digital erasure of deceased data, and daily life assistance. Optional extensions include medical, dental, travel assistance, Guardian protection, and pet death indemnity.
• FUSIÓN An integrated multi-insurance product combining death insurance, life insurance, accident coverage, home insurance, and medical assistance in a single policy and single receipt. Designed for families wanting comprehensive protection managed through one policy, with customizable death insurance modalities per insured person.
• PreveHogar Flexible home insurance product with AENOR quality certification, available in HogarPro, HogarMax, and HogarLux modalities covering theft, fire, water damage, civil liability, and additional services like IT assistance and employment assistance.
• Preventiva Única Plus Death insurance with single premium payment for people over 60 years old, offering 2% annual capital update guarantee, complete funeral services, international relocation, psychological support, legal services, and daily life assistance without future payment obligations.
• Preventiva Única Basic Death insurance for people over 65 years old with no age limit for contracting, offering national relocation to cemetery or crematorium with 1.5% annual capital revaluation. Basic single-premium product for seniors.
• Preventiva ProTGT Accident insurance covering death by accident, accident of circulation, myocardial infarction or cerebrovascular accident, permanent disability, great disability, medical care by accident, and temporary incapacity. Multiple guarantee levels available.
• Comercio (Business Commerce Insurance) Business commerce insurance covering fire, explosion, water damage, electrical damage, theft, civil liability, legal defense, and optional coverages including extended guarantees, machinery breakdown, and IT assistance. Designed for retail and commercial establishments.
• Residentes 21 Insurance product for legal foreign residents in Spain, covering national and international relocation in case of death, companion services, sanitary repatriation, minor and elderly return, and medical information services. Provides assistance in policyholder's native language.
• Pymes (Small Business Insurance) Business property insurance for SMEs covering fire, explosion, water damage, theft, civil liability, machinery breakdown, and extraordinary risks through the Consortium of Insurance Compensation.
• Plan de Previsión Personal Personal pension plan covering serious illnesses (cancer, heart attack, chronic renal insufficiency, organ transplants, cerebrovascular accident, coronary artery surgery) and daily hospitalization indemnity.
• Comunidades (Community Insurance) Property insurance for building communities covering fire, water damage, theft, civil liability, legal defense, 24-hour assistance, and worker accident coverage with limits per victim and annual water damage.
• Preventiva Dental Familiar Family dental insurance covering up to 5 family members through over 1,900 clinics and 4,350 professionals nationwide, offering 43 free services including annual cleaning, extractions, and dental education; 240 treatments with maximum guaranteed prices; and a free oral health plan for children under 16.
• RC Premium (Pet Liability Insurance) Civil liability insurance compliant with Spanish Law 7/2023 for Animal Rights Protection, covering up to €200,000 insured capital without deductible for bodily injury and property damage caused by insured dogs, including legal protection up to €6,000 and access to over 450 veterinary clinics with discounted rates.
• Preventiva Guardian Mobile protection service offering advisory and defense with parental control coverage, cyberbullying protection, and purchase and rental contract protection for services contracted over the internet. Available as standalone service via dedicated iOS and Android apps.
• Preventiva Vital Health insurance product under the Grupo Preventiva family, providing access to a medical network with dedicated contact number 91 710 26 49 for policyholders.
• Testamento Digital (Digital Testament) Standalone online testament service allowing policyholders to draft and manage their will digitally, with notary assistance available via telephone or web, and even at the policyholder's residence for those with mobility issues. Accessible via dedicated online portal.

Quantifiable outcome

• More than 1 million insured persons across the group
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Seven partnerships are on record, tiered minor, core and strategic.

• PeoplemattersminorImplementation/ SI/ Consulting Partner · 9 June 2023HR consulting firm specializing in human capital management, specifically in compensation, diversity, work-life balance, and equality. Collaborated with Preventiva to develop diagnosis and measures for the Equality Plan.
• Allianz SeguroscoreStrategic or Co-development Partner · 19 June 2019Alliance where Allianz Seguros commercializes death insurance products alongside Preventiva, entering the death insurance segment with Preventiva's expertise. Prevents overlap with Preventiva while extending market reach.
• Colegio de Mediadores de MálagastrategicChannel Partner/ Reseller/ Distributor · 22 April 2019Renewal of collaboration protocol with the College of Insurance Mediators of Málaga, confirming Preventiva's commitment to insurance mediation and distribution network development.
• Colegio de Mediadores de BarcelonastrategicChannel Partner/ Reseller/ Distributor · 3 July 2018Preventiva delivered training sessions at the College of Insurance Mediators of Barcelona, strengthening relationships with local intermediary networks.
• Liberty SeguroscoreStrategic or Co-development Partner · 30 January 2018Preventiva provides its experience and knowledge as global operator and trusted partner for Liberty Seguros to launch Liberty Decesos death insurance product in 2018. Agreement signed by Josué Sanz (Liberty Director General de desarrollo de negocio) and Eduardo González (Preventiva Director General). Jose Mª Martín (Preventiva Director Comercial y de Desarrollo Estratégico) highlighted supporting Liberty as a challenge and opportunity confirming Preventiva's capabilities as global operator.
• Expertia Seguros de DecesoscoreStrategic or Co-development Partner · 30 January 2018Second insurance company of Grupo Preventiva, specializing in death insurance (decesos) alongside Preventiva Seguros. Both companies together serve approximately 1,000,000 insured persons.
• D.A. DEFENSOR, S.L.minorOthersCustomer Defender service for handling complaints and claims. Located at calle Velázquez, 80 - 1º D, 28001 Madrid. Provides alternative dispute resolution channel for policyholders.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Generali España: Spanish subsidiary of global insurer Generali offering life, health, and death insurance through intermediary networks. Competes in adjacent product lines with significantly larger international parent.
• Reale Seguros España: Spanish subsidiary of Italian insurer Reale Mutua offering multi-line insurance products (auto, home, life, health) through agents and brokers. Comparable in distribution approach and product breadth.
• Mapfre: Spain's largest insurance group with global operations across life, health, auto, and home lines. Largest incumbent in Spanish insurance with overlapping product categories.
• Mutua Madrileña: One of Spain's largest multi-line insurance groups (auto, health, life, death, home). Competes broadly with Preventiva's secondary lines and through SegurCaixa Adeslas in deaths insurance.
• Zurich España: Spanish subsidiary of Zurich Insurance offering life, health, accident and home products through intermediary networks. Broad-line competitor with global parentage.
• Caser Seguros: Spanish multi-line insurer (health, death, home, life, auto) operating nationally. Comparable in product breadth and intermediary-led distribution model.
• AXA España: Spanish arm of global insurer AXA offering life, health, home and death insurance. Competes for the same Spanish family and senior customer segments via broker channels.

Direct peers

• SegurCaixa Adeslas: Joint venture of Mutua Madrileña and CaixaBank offering health and death insurance in Spain. Directly competes in the deaths-insurance category with banking-channel distribution.
• Santalucía Seguros: Spanish multi-line insurer with strong presence in death/decesos and family protection products, distributed through a similar intermediary-led model. Directly comparable in product mix, customer base, and Spanish market positioning.
• Ocaso Seguros: Spanish insurance company historically specialized in death insurance (decesos) with national distribution. Closest direct competitor to Preventiva's core specialization and customer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/GrupoPreventiva
• Facebookfacebook.com/GrupoPreventivaSeguros

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Preventiva Seguros