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Everything you need to know about life insurance
Keys to choosing the right protection for you and your family.
Life insurance is a financial safety net that guarantees economic protection for your loved ones in case of death or disability. It ensures that your family can maintain their standard of living, cover the mortgage, pay for education or face unexpected expenses even if you're no longer there.
When choosing a life insurance policy, consider key factors like the insured capital you need based on your family situation and financial obligations, the duration of coverage, the type of policy (term or whole life), and additional coverage like disability or serious illness. A well-chosen policy should adapt to your life stage and protect what matters most without overpaying.
Insured capital
Choose the amount based on your mortgage, debts and family expenses. It should cover at least 5-10 years of income.
Duration
Match your policy length to your financial obligations: mortgage term, children's age until independence.
Additional coverage
Consider adding disability, serious illness or income protection to broaden your safety net.
Beneficiaries
Designate your beneficiaries clearly and review them periodically as your family situation changes.
Coverage designed for every situation
Complete protection for you and your family, adapted to your life stage.
Guide to choosing your life insurance
Practical tips to select the best protection for your family.
Assess your family situation
Consider dependents, ages, and who relies on your income. This determines the capital you need.
Calculate the right capital
Add outstanding mortgage, debts, children's education costs, and at least 5 years of family expenses.
Consider your life stage
A young family needs different coverage than someone nearing retirement. Adapt the policy to your moment.
Review disability coverage
Disability can have a bigger financial impact than death. Make sure you're covered for total and partial disability.
Update your policy regularly
Major life changes (new child, new home, salary increase) may require adjusting your insured capital.
Compare prices and conditions
Don't settle for the first option. Comparing insurers helps you find the best value for money.
Why get your life insurance with us?
Benefits designed for families who value peace of mind.
Real price instantly
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No mandatory calls
100% online process. You decide when, how, and from where.
Complete mobile app
Manage your insurance from your phone: policies, claims, direct contact with your advisor.
Best price guaranteed
We compare the best insurers to always offer you the most competitive market price.
Plan comparison
All coverage detailed so you can choose clearly.
Death benefit
Essential
Family
Premium
Accidental death benefit
Essential
Family
Premium
Absolute permanent disability
Essential
Family
Premium
Advance for serious illness
Essential
Family
Premium
Partial disability
Essential
Family
Premium
Income protection
Essential
Family
Premium
Orphan's income
Essential
Family
Premium
Second medical opinion
Essential
Family
Premium
| Coverage included | Essential | Family | Premium |
|---|---|---|---|
| Death benefit | |||
| Accidental death benefit | |||
| Absolute permanent disability | |||
| Advance for serious illness | |||
| Partial disability | |||
| Income protection | |||
| Orphan's income | |||
| Second medical opinion |
What our clients say
Real stories from families who trusted us.
“I wanted to make sure my children would be protected no matter what. The process was super easy and the price was much better than what my bank offered.”
María G.
Mother of 2, Las Palmas
“When I took on the mortgage, I knew I needed life insurance. At Torino they helped me find the perfect plan without paying for things I didn't need.”
Andrés L.
Business owner, Tenerife
“I compared several options and Torino offered me the best value for money by far. The whole process was online and I had everything sorted in less than 10 minutes.”
Sandra V.
Engineer, Gran Canaria
Frequently asked questions about life insurance
We answer your questions before you have them.
Have more questions? Contact us and we'll help