Asisa Vida

What Asisa Vida does

Asisa Vida is the life insurance subsidiary of ASISA (ASISTENCIA SANITARIA INTERPROVINCIAL S.A.U.), Spain's leading private healthcare group serving over 2 million clients with 50+ years of operating history. The entity is structured as a Spanish S.A.U. (single-member public limited company) wholly owned by the parent healthcare group, with a lean 22-employee core that relies on shared group infrastructure for underwriting and administration.

The company's product portfolio is narrow and focused on two core lines: ASISA Vida Tranquilidad, a standard life insurance product offering death coverage, optional permanent disability protection, and double capital in case of accidental death; and ASISA Vida Capital Decreciente, a mortgage-linked life insurance with decreasing capital designed to cover mortgage default in case of death or disability. No proprietary technology stack is publicly disclosed beyond a standard website with a pricing calculator ("tarificador") and online contracting. The company holds ENS (Esquema Nacional de Seguridad) certification under Spain's National Security Framework.

Asisa Vida distributes through a multi-channel GTM: 24/7 online self-service, a dedicated phone sales line, 57 physical delegations across Spain, and a network of over 500 independent brokers/corredores. The primary customer segment is individuals and families seeking financial protection, with secondary segments in enterprise group policies (notably through a Madrid Network partnership) and affinity groups (healthcare workers, blood donors, large families) eligible for 15% lifetime discounts. Revenue is generated through recurring annual life insurance premiums on a subscription model with known-premium-for-life pricing, and no public revenue figures are disclosed.

Name

Asisa Vida

Legal name

ASISA ASISTENCIA SANITARIA INTERPROVINCIAL S.A.U.

Website

https://asisavida.es

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Asisa Vida is the life insurance subsidiary of Spain's ASISA healthcare group, offering term life and mortgage-protection policies to individuals, families, and enterprises. It distributes through 57 delegations, 500+ brokers, and online channels exclusively in Spain.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113)

SIC

Life Insurance (6311)

akta.pro primary industry

Whole Life Insurance (FSAIABAA)

akta.pro secondary industry

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

Keywords

• Life insurance products
• Mortgage protection insurance
• Insurance brokerage services
• Group life insurance
• Personal accident coverage

Headquarters

HQ city

Not specified

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. Life Insurance Premiums: ASISA Vida generates revenue through recurring insurance premiums for life insurance products including death coverage, mortgage protection, and permanent disability insurance. Premiums are known from inception ('prima de por vida').

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Asisa Vida is the life insurance division of ASISA group, underwriting and distributing life insurance products in Spain. Its core offerings include ASISA Vida Tranquilidad, a comprehensive life insurance covering death from any cause with optional permanent disability and accidental double-capital riders, and ASISA Vida Capital Decreciente, a decreasing-capital policy designed to protect families against mortgage default on death or disability. Policies are sold with life-long known premiums from inception and are distributed via online contracting, phone sales, 57 delegations, and over 500 brokers.

Product overview

ASISA Vida offers a portfolio of life insurance products designed to protect families and ensure financial stability. The core offerings include ASISA Vida Tranquilidad (comprehensive life insurance with death and disability coverage) and ASISA Vida Capital Decreciente (specialized mortgage protection). Products are available for individuals, families, and enterprises, with various coverage options including accidental death double capital and permanent disability riders.

Differentiator

Problem solved

Functional benefit

Brands

• ASISA Vida Tranquilidad: Main life insurance product offering death coverage and optional complementary guarantees for comprehensive protection.
• ASISA Vida Capital Decreciente

Products and services

• ASISA Vida Tranquilidad Comprehensive life insurance for individuals and families providing coverage for death from any cause, optional absolute permanent disability protection, and double capital in case of accidental death. Beneficiaries can use proceeds to cover expenses, maintain mortgage payments, or fund children's education. Premiums are known for life from inception, with a 15% lifetime discount available for ASISA Salud clients, healthcare workers, blood donors, and large families.
• ASISA Vida Capital Decreciente Mortgage life insurance with a decreasing capital structure that mirrors the outstanding mortgage balance, guaranteeing family financial stability against mortgage default in case of the insured's death or disability. Premiums are known from inception and the product is targeted at Spanish homeowners and mortgage holders.

Quantifiable outcome

• 15% discount for ASISA Salud clients, healthcare workers, blood donors, and large families

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Madrid NetworkminorGTM or Marketing PartnerASISA Vida and Madrid Network partnership to promote life insurance plans for enterprises. The collaboration allows Madrid Network member companies to benefit from ASISA Vida services with advantageous conditions for group, convention, or personal insurance policies for both companies and employees. ASISA Vida provides free advisory services for convention commitments and life insurance and accident programs.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Generali España: Spanish subsidiary of Generali offering life and P&C insurance through brokers and bank partners. Comparable in life product structure (whole life, term, savings-linked) and Spanish distribution footprint.
• BBVA Seguros: Bancassurance life insurance arm of BBVA in Spain. Comparable as a Spanish life insurer distributing through bank channels and direct, with similar term and whole-life products targeted at households.
• Divina Pastora Seguros: Spanish mutual insurer focused on health, life, and accident insurance. Comparable in product mix (life and accident), customer segments (individuals and enterprises), and Spanish mutual/cooperative-style positioning.
• Santalucía: Spanish insurance company specializing in life, funeral (decesos), and home insurance, distributed through a multi-channel model in Spain. Directly comparable to ASISA Vida in product type (life/decesos), channel mix (brokers and direct), and Spanish market focus.
• Catalana Occidente: Spanish insurance group (Crédito y Caución, Plus Ultra, Seguros Bilbao) with strong life and credit insurance presence. Comparable Spanish life insurance positioning and multi-channel distribution model.
• Mutua Madrileña: Spanish mutual insurer offering life, auto, and home insurance to individuals and companies. Comparable in product scope (life among core lines), customer base (Spanish families and enterprises), and multi-channel distribution.
• Caser Seguros: Spanish mutual-style insurer offering life, health, home, and accident cover. Comparable as a Spanish multi-line insurer with a strong life insurance book and broker-led distribution.
• Mapfre Vida: Life insurance arm of Mapfre, Spain's largest insurance group. Comparable as a Spanish life insurer offering whole life, term, and savings-linked policies through bancassurance and broker channels.

Broad incumbents

• Zurich Seguros España: Spanish arm of Zurich Insurance, offering life alongside P&C and commercial lines. Comparable in life and accident coverage, though broader in scope and globally backed rather than domestically anchored.

Emerging players

• Línea Directa Aseguradora: Spanish digital-first insurer expanding from auto into home and life. Comparable as a Spain-based insurer investing in online self-service and direct distribution — relevant to assess digital competitive pressure on ASISA Vida's broker-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/asisa-vida-seguros

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Asisa Vida