expertia seguros de decesos sa

What expertia seguros de decesos sa does

Expertia Seguros de Decesos SA (legal name: EXPERTIA GLOBAL SEGUROS Y REASEGUROS S.A.) is a Spanish regulated insurance carrier specializing in death insurance (seguro de decesos) and bundled family-assistance products. Founded in 1955 in Asturias as 'El Previsor del Futuro' and acquired by Grupo Preventiva in 2000, the company holds DGSFP administrative key C0355 and operates from a single Madrid headquarters at Calle Arminza 2. Its core product is the Seguro de Decesos, which covers funeral service provision, domestic and international body repatriation, and travel assistance for the deceased. The flagship offering, Expertia Familiar, bundles the core policy with a modular guarantee suite spanning 24-hour medical telephone advice, dental assistance, legal management, second medical opinion, IT support, payment protection, employment assistance, and accident insurance — all delivered via a unified subscription.

The company generates revenue through recurring per-policy insurance premiums (monthly, semi-annual, or annual), with pricing individualized via a three-step online quote calculator on expertiaseguros.com that adjusts for age, locality, modality (natural, level, or mixed premium), and billing frequency. Go-to-market is sales-led through direct telephone sales (900 20 30 10), the corporate website, and a network of insurance intermediaries and brokers. Self-service is handled through sisifo.expertiaseguros.com for premium payment and policyholder account management, with complementary portals for dental (expertiadental.com) and medical (expertiasalud.avantsalud.es) services.

Expertia is a wholly-owned subsidiary of Grupo Preventiva, alongside sister entities Preventiva Compania de Seguros y Reaseguros S.A. and Avantia Servicios de Gestion S.L., with which it shares information for supervisory and resource-centralization purposes. The company serves Spanish families and individuals on a horizontal basis — no enterprise or corporate segment is disclosed — and operates exclusively within Spain while offering international repatriation service coverage. No headcount, revenue, funding, or AI/ML capability data is publicly disclosed.

Name

expertia seguros de decesos sa

Legal name

EXPERTIA GLOBAL SEGUROS Y REASEGUROS S.A.

Website

https://expertiaseguros.com

Company type

Private

Founded year

1955

Operating status

Operating

Short description

Expertia Seguros is a Spanish licensed insurance carrier (DGSFP key C0355) that sells subscription-based funeral (decesos) insurance and bundled family-assistance products to Spanish families and individuals, operating as a wholly-owned subsidiary of Grupo Preventiva.

Ownership category

akta.pro rank

Product category

Funeral and Death Insurance

NAICS

Direct Life Insurance Carriers (524113)

SIC

Life Insurance (6311)

akta.pro primary industry

Final Expense / Burial Life Insurance (FSAIABAF)

akta.pro secondary industry

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Funeral insurance
• Death insurance
• Family assistance
• Repatriation services
• Burial coverage

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Infrastructure, Others

Revenue model

1. Seguro de Decesos (Funeral Insurance): Expertia Seguros generates revenue through recurring insurance premiums paid by policyholders for funeral and death coverage services. The company offers a subscription-based model where customers pay periodic premiums (monthly, semi-annual, or annual) in exchange for coverage that includes funeral services, repatriation, medical assistance, and legal management upon the insured's death.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Expertia Seguros sells death insurance (seguro de decesos) and family assistance coverage to individuals and families in Spain. The core product covers funeral service provision, body transfer, repatriation (domestic and international), medical assistance, dental care, travel assistance, legal services, and family protection benefits upon the insured's death. Policyholders pay recurring premiums (monthly, semi-annual, or annual) for all-inclusive coverage bundled under the Expertia Familiar package.

Product overview

Expertia Seguros is a Spanish insurance company specializing in death insurance (seguro decesos) and family assistance services. The company's core product is the Seguro de Decesos, a comprehensive death insurance that covers funeral services, body transfer, and repatriation. The flagship offering is Expertia Familiar, which combines death insurance with multiple add-on modules including medical assistance, dental assistance, accident insurance, legal services, IT assistance, payment protection, employment assistance, and medical second opinion. The product architecture follows a modular approach where customers can select base coverage and add complementary guarantees. The company also offers dedicated portals for insured clients to manage payments, update data, and access digital services.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Decesos Main death insurance product covering funeral service expenses, body transfer, repatriation (domestic and international), and assistance services upon the insured's death anywhere in Spain or abroad. Designed for Spanish individuals and families seeking financial protection against funeral and related costs.
• Expertia Familiar Comprehensive family assistance insurance combining death insurance with medical assistance, dental coverage, legal services, travel assistance, and additional complementary guarantees in a unified policy for families and individuals in Spain.
• Seguro de Accidentes Accident insurance providing coverage for death, permanent total disability, and partial disability resulting from accidents, with optional additional coverages, offered as a complementary policy for individuals and families.
• Asistencia Médica (Expertia Salud) Medical assistance service providing access to a private medical network with advantages and discounts at the national level, plus 24-hour medical telephone guidance, nutritional advice, and psychological support for insured policyholders and their families.
• Asistencia Dental (Expertia Dental) Dental assistance service providing insured family members access to a dental care network with various services and discounts across Spain.
• Testamento Digital Digital testament service enabling insured policyholders to securely create and manage their digital wills online.

Quantifiable outcome

• More than 20 million people in Spain are covered by funeral insurance, indicating the large addressable market for this type of coverage.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Grupo Preventiva (Preventiva, Compañía de Seguros y Reaseguros, S.A.)coreStrategic or Co-development PartnerExpertia Seguros is part of the Grupo Preventiva insurance group. Grupo Preventiva acquired the company in the year 2000 and transformed it into its current form as Expertia, Seguros de Decesos, S.A. Expertia shares information with other entities in the Grupo Preventiva group (including Preventiva, Compañía de Seguros y Reaseguros, S.A. and Avantia Servicios de Gestión, S.L.) for administrative, resource centralization, and regulatory supervision and solvency purposes. Expertia also maintains a Customer Defense Service and Customer Ombudsman aligned with Grupo Preventiva's group-wide compliance framework.
• Avantia Servicios de Gestión, S.L.coreStrategic or Co-development PartnerAvantia Servicios de Gestión, S.L. is part of the same Grupo Preventiva as Expertia Seguros. Information is exchanged between entities within the group for purposes of compliance with supervision and solvency obligations and for resource centralization. Expertia operates within the regulatory and compliance framework established by the group.
• D.A. Defensor, S.L.minorOthersD.A. Defensor, S.L. serves as the Customer Defender (Defensor del Cliente) for Expertia Seguros, attending to and resolving customer complaints and claims. Located at calle Velázquez, 80 - 1º D, 28001 Madrid, the company handles customer complaints within a maximum period of two months.
• Insurance Mediators, Agents, and BrokersminorChannel Partner/ Reseller/ DistributorExpertia Seguros works with insurance intermediaries, agents, and brokers who distribute its insurance products and handle contract documentation and ongoing mediation activities with policyholders.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Santalucía: Santalucía is one of Spain's leading specialist funeral/death insurance (seguro de decesos) carriers, with a large direct policyholder base, comparable product set, and the same Spanish market focus as Expertia. It is the most directly comparable competitor in the Spanish funeral insurance category.
• Ocaso Seguros: Ocaso is a major Spanish insurer with a strong funeral/death insurance product line, directly competing with Expertia in seguro de Decesos for Spanish families. Its product portfolio and Spanish-only distribution make it a close peer.
• Caser Seguros: Caser offers funeral/death insurance among its broader product portfolio and serves Spanish families with comparable bundled family assistance covers. Like Expertia, it operates primarily in Spain through direct and intermediary channels.
• Mutua Madrileña: Mutua Madrileña is a large Spanish mutual insurer offering funeral insurance alongside its broader P&C and life portfolios. It targets the same Spanish family segment with comparable bundled assistance coverage.
• Plus Ultra Seguros: Plus Ultra Seguros is a Spanish insurer with a dedicated death insurance product competing directly with Expertia in the Spanish funeral insurance market, offering similar repatriation and family assistance guarantees.
• Catalana Occidente: Catalana Occidente (through Seguros Bilbao and other subsidiaries) offers funeral insurance products in Spain, with comparable family and repatriation coverage. It is one of the established multi-line Spanish insurers competing in the same category.
• Reale Seguros: Reale Seguros is the Spanish subsidiary of the Italian Reale Mutua group, offering death insurance among its Spanish product portfolio. It competes with Expertia for the same Spanish consumer segment.

Broad incumbents

• Mapfre Seguros: Mapfre is Spain's largest insurance group and offers funeral/death insurance as part of a very broad portfolio across life, health, P&C, and auto. While not a specialist, its Decesos product competes for the same Spanish family buyers with greater scale.
• Zurich Seguros: Zurich's Spanish subsidiary is a broad-line global insurer offering death and family protection products in Spain. While not a specialist in funeral insurance, it competes for overlapping Spanish family buyers with significant scale advantages.

Emerging players

• Divina Pastora Seguros: Divina Pastora is a Spanish mutual insurer with a growing funeral/death insurance offering that overlaps partially with Expertia's product set. It is a smaller, more regionally focused player targeting similar family protection needs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/expertia-seguros

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 expertia seguros de decesos sa