Active Seguros
- Company typePrivate
- Founded1950
- HeadquartersValencia, Spain
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Active Seguros does
Active Seguros (legal name: Familiar de Seguros Active, S.A.) is a Valencia-based, family-owned insurance company that has specialized in death and funeral insurance (seguro de decesos) in Spain for more than 70 years. The company is controlled by Funeraria Blay S.L., with D. Gustavo J. Casino García chairing the Board. Its core product portfolio comprises four tiers — Active One (basic death benefit), Decesos y Asistencia Active (comprehensive coverage plus bundled services), Active Senior (ages 65–85), and Prima Única (single-premium for over-70s) — underwritten as recurring annual subscriptions or single-premium contracts. A key architectural element is the Asistencia Active bundle, which integrates partner-provided supplementary services (medical via Healthmotiv, dental via GIRAdental, technological assistance via Centribal, home and personal assistance via EUROP, travel assistance via ARAG, and repatriation/medical-legal access via CH Salud) directly into the base policy, supplemented by accessory coverages from SURNE (accidents, hospitalization, life, orphan pension) and EUROP (payment protection).
The company distributes through a network of independent insurance mediators totaling over 400 customer service points across Spain, complemented by 12 directly-operated regional offices (Valencia HQ, Madrid, Cáceres, Ourense, Nules, Alicante, Tarragona, Fuerteventura, Sueca, Constantina, Tavernes de la Valldigna, and Castellón), phone sales, and a self-service online quote-request portal. Customer engagement is supported by digital touchpoints including online premium payment, partner-branded mobile portals (CH Salud, Centribal, Healthmotiv), and the Active más! Descuentos loyalty platform. Revenue mechanics are primarily subscription-based annual premiums with a single-premium product for the elderly segment; FY2025 issued premiums reached €20.78M (6.12% YoY growth) with a 173% Solvency II ratio and €2.89M pre-provision profit. The company operates under Solvency II and DORA frameworks, maintains a code of ethics and whistleblower channel, and has published a 2026 Strategic Plan targeting 9% growth in net annualized premiums.
Active Seguros firmographics
Firmographics- Name
- Active Seguros
- Legal name
- Familiar de Seguros Active, S.A.
- Website
- https://activeseguros.com
- Company type
- Private
- Founded year
- 1950
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Active Seguros industry classification
Industry- Product category
- Death and Funeral Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Final Expense / Burial Life Insurance (FSAIABAF)
- akta.pro secondary industries
- Worksite Supplemental Life Insurance (Voluntary Life) (FSAIAMAF), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Travel & Accident (Non-Life) Insurance (FSAJAMAN)
Keywords
Where Active Seguros is headquartered
LocationHeadquarters
- HQ city
- Valencia
- HQ country
- Spain
- HQ region
- Europe
Offices12 records
Markets served
Active Seguros business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Death Insurance Premiums (Recurring): Annual or periodic premium payments from death insurance policies (seguro de siniestros) that cover funeral services and assistance benefits.
- Single Premium (Prima Única): One-time premium payment for death insurance products targeted at people over 70 years old who want to secure funeral coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Active One - Basic death insurance with complete funeral coverage |
| Subscription | Annual | Decesos y Asistencia Active - Death insurance with comprehensive assistance packages |
| Subscription | Annual | Active Senior - Death insurance for people aged 65-85 |
| One time/ perpetual license | Multi-year contract | Prima Única - Single premium for those over 70 |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Active Seguros product offering
Product offeringCore offering
Active Seguros sells death insurance (seguro de decesos) and family assistance insurance products to individuals and families in Spain. Its core offerings — Active One, Decesos y Asistencia Active, Active Senior and Prima Única — cover complete funeral services plus an Asistencia Active bundle of complementary medical, dental, technological, home, travel, repatriation, legal and digital legacy services, distributed through a network of insurance mediators and owned offices.
Product overview
Active Seguros offers a portfolio of death benefit (seguro de comienzos) and family assistance insurance products with four main product tiers: Active One (basic death benefit), Decesos y Asistencia Active (comprehensive coverage with supplementary assistance), Active Senior (designed for ages 65-85), and Prima Única (single-premium for those over 70). All policies include Asistencia Active, a bundled package of supplementary coverages including national transfer, medical services (Tu Salud via Healthmotiv), technological assistance (via Centribal), administrative procedures, dental services (via Gira Dental), home assistance (via EUROP), and travel assistance (via ARAG). Additional à la carte supplementary coverages include medical and legal assistance (via CH Salud), repatriation services, personal assistance, digital life management, pet assistance, and specialized insurance products from partners SURNE (accidents, hospitalization, life, orphan pension) and EUROP (payment protection). The company also operates Active más! Descuentos, a loyalty club with hundreds of brand discounts for policyholders.
Differentiator
Problem solved
Functional benefit
Brands
- Asistencia Active: Supplementary assistance coverages included in funeral insurance policies, including medical, technological, dental, and home assistance services.
- Active Senior
- Active One
- Active más! Descuentos
- Decesos y Asistencia Active
- Prima Única
Products and services
- Active One Basic death benefit insurance providing complete funeral service coverage, available under Mixta (mixed) and Nivelada (level) premium payment options for Spanish individuals and families.
- Decesos y Asistencia Active Comprehensive death benefit and family assistance insurance offering complete funeral services (pickup, funeral home, coffin, hearse, chapel, wreath, accompaniment cars, cremation/burial, niche, headstone, obituary and administrative procedures) bundled with the Asistencia Active supplementary assistance package. Available in multiple premium structures and in Spanish and English.
- Active Senior Death benefit insurance product designed for individuals aged 65-85, offering an alternative to single-premium products with complete insurance guarantees and the full Asistencia Active supplementary coverage bundle.
- Prima Única Single-premium death benefit insurance targeted at people over 70 years old who lack funeral coverage, guaranteeing complete funeral services, national transfer to any location in Spain, and estate administration procedures through a one-time payment.
- Active más! Descuentos Loyalty and discount club platform offering hundreds of discounts across categories including travel, home, gas, leisure, technology, fashion, supermarkets, and gastronomy, available to Active Seguros policyholders and mediators.
Companies that use Active Seguros
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Active Seguros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Active Seguros partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- CH SaludcoreCH Salud provides a network of medical services including general medicine, dental clinics, medical specialties, diagnostic means, and physiotherapists. They offer a digital health card for accessing negotiated medical services at discounted rates through their partner providers.
- CentribalcoreProvides 24/7 technological assistance service covering remote and on-site support, geolocation and blocking of smartphones, parental control, and antivirus installation/configuration for policyholders.
- ARAGcoreProvides travel assistance coverage including medical expenses up to €15,000 abroad, 24-hour assistance, and repatriation services included in death insurance policies.
- EUROP AssistancecoreProvides multiple assistance services including home assistance (Manitas), personal assistance, payment protection (coverage for unemployment, temporary disability, hospitalization, bone fractures), and telefarmacia services.
- SURNEcoreProvides supplementary insurance coverages including accidents, hospitalization (with daily indemnities for medical/surgical hospitalization), life insurance, and orphan's pension (annual stipend until age 23).
- HealthmotivcoreProvides Tu Salud medical service including personal doctor, videoconsultation, health and lifestyle test, and wellness content for policyholders.
- GIRAdentalcoreProvides dental service including annual free dental cleaning and access to dental care network for policyholders.
- Funeraria Blay S.L.coreParent company and Board President representative (D. Gustavo J. Casino García) for Familiar de Seguros Active, S.A.
- Active Club (Active Más!)minorLoyalty platform powered by Contigo Más offering hundreds of discounts from major brands in travel, home, gasoline, leisure, and technology sectors for policyholders and mediators.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Active Seguros competitors and assessment
Company assessmentBroad incumbents
- Adeslas: Leading Spanish health insurance carrier. Comparable in the medical and family assistance dimensions that Active bundles via partners such as CH Salud and Healthmotiv.
- Mapfre: Largest Spanish insurance group with broad life, health, auto and assistance lines including death insurance. Represents the dominant incumbent against which specialty players like Active compete.
- Mutua Madrileña: Large Spanish mutual insurer with diversified life and P&C offerings. Comparable broad-incumbent with significantly greater scale than Active.
- Sanitas: Major Spanish health and insurance brand (part of Bupa). Comparable in the medical assistance and health-adjacent bundles Active embeds in its policies.
Direct peers
- Ocaso: Spanish insurance company with historical roots in death and funeral insurance (seguros de decesos). One of the most direct competitors to Active Seguros in the same specialty line and Spanish geography.
- Seguros Bilbao: Spanish insurer (part of Grupo Mutua Madrileña) offering death, home, health and accident cover. Comparable mid-sized competitor with overlapping product mix.
- Santalucía Seguros: Major Spanish multi-line insurer with a strong legacy portfolio in death/funeral insurance (Santalucía Decesos). Direct competitor to Active in the seguros de decesos category.
- Caser Seguros: Spanish insurance group offering death insurance, health and home assistance lines. Competes with Active in the family-assistance bundle layer in addition to core death cover.
- Previsión Mallorquina de Seguros: Smaller Spanish mutual-style insurer focused on death and family protection. Closely comparable in size, specialty focus and regional Spanish footprint.
Emerging players
- Surne: Spanish insurance carrier that supplies supplementary accident, hospitalization, life and orphan-pension coverages to Active Seguros. Comparable Spanish life/accident carrier and direct ecosystem partner.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Active Seguros social profiles
Digital presenceActive Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
Active Seguros leadership team
Management profileNumber of profiles
Profiles1 record
Active Seguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Active Seguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Active Seguros
What does Active Seguros do?
Active Seguros sells death insurance (seguro de decesos) and family assistance insurance products to individuals and families in Spain. Its core offerings — Active One, Decesos y Asistencia Active, Active Senior and Prima Única — cover complete funeral services plus an Asistencia Active bundle of complementary medical, dental, technological, home, travel, repatriation, legal and digital legacy services, distributed through a network of insurance mediators and owned offices.
Is Active Seguros a public or private company?
Active Seguros is a private company. It is classified as family owned and is currently operating.
When was Active Seguros founded?
Active Seguros was founded in 1950. It employs 51 to 100 people.
Where is Active Seguros based?
Active Seguros is headquartered in Valencia, Spain, in the Europe region.
How does Active Seguros make money?
Two revenue lines are on record. Death Insurance Premiums (Recurring) is the primary driver. The others are single Premium (Prima Única).
Who are Active Seguros's main competitors?
Broad incumbents on record are Adeslas, Mapfre, Mutua Madrileña and Sanitas. Direct peers are Ocaso, Seguros Bilbao, Santalucía Seguros, Caser Seguros and Previsión Mallorquina de Seguros. Surne is listed as an emerging player.
Does Active Seguros have an API?
No public API is recorded for Active Seguros.
What industry is Active Seguros in?
Active Seguros's product category is Death and Funeral Insurance. Its primary akta.pro industry code is FSAIABAF, Final Expense / Burial Life Insurance, with a secondary code of FSAIAMAF, Worksite Supplemental Life Insurance (Voluntary Life). Its NAICS code is 524113 and its SIC code is 6311.