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Family capital protectionA lump-sum payout can help your family keep its plans, home and everyday life on track.
Life insurance, explained locally
Protect your family’s future with Allianz.
A clear, personal way to protect the people you love and the commitments you carry — from your home in Málaga to your business in Marbella.
✓ No obligation. Clear answers. A response within 24 hours.
What your cover can do
Built around the life you’ve already built.
Life insurance is not only about what happens next. It is about giving your family room to breathe if the unexpected changes everything.
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Mortgage and debt coverProtect the balance that matters most, including a mortgage, loan or family commitments.
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Death and disabilityBuild cover for death and permanent disability around your work, income and family needs.
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Optional extra supportAdd critical illness, unemployment or waiver of premium cover where suitable.
Flexible terms from 10–30 years, or until age 65 / 70.
A useful starting point
How much do you need?
A simple first check is to consider 5–10 times your annual income, then add the mortgage or debts your family would need to manage.
Talk through your number →Simple protection check ◉
Annual income× 5–10
Mortgage and loans+ balance
Possible starting pointFamily capital
This is a guide, not a quote. Fernando will help you adjust the cover for your family, work and budget.
Local guidance · Costa del SolYour local Allianz advisor
Insurance advice with a human voice.
Fernando Oribe helps families, homeowners, freelancers and small business owners make confident decisions about protection.
Based in Málaga and serving Marbella, Estepona and the wider Costa del Sol, Fernando makes the details easier to understand — so you can choose cover that fits your life, not a template.
Meet your cover →Start with a conversation
Protect what matters most.
Share a few details and Fernando will contact you with a clear, no-obligation next step.
Thanks! We’ll contact you within 24h.
Tell us what you want to protect.
Straight answers
Questions, made simpler.
A few things people often ask before they speak with an advisor.
The price depends on your age, health, occupation, chosen capital and term. Fernando can compare the right level of cover with you before you decide.
Policies have their own terms and notice rules. Fernando will explain the options, renewal dates and any changes before you take out cover.
You can still ask for a quote. The insurer may request health information and may apply specific terms, exclusions or pricing based on the assessment.
Once a claim is complete and the required documents are accepted, Allianz follows the policy terms and claim process.
Your next step