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Insurance Advisor

Insurance that makes sense, chosen with you.

I'll help you choose your life, funeral, accident or self-employed insurance with a personal touch and clear explanations: no small print, no rush, and no extra cost to you.

Get your quote → See the insurance I manage
Advice at no extra cost Coverage throughout Spain Direct contact with Micol, always
How I work with you
  • ✓ I study your real situation, not a generic form
  • ✓ I explain every option and condition in plain language, no jargon
  • ✓ I'm also there when it's time to actually use your policy
My approach

How I help you.

Three steps, no jargon and no upfront commitment.

1

Tell me your situation

A short conversation, by phone or video call, to understand what you want to protect and your situation.

2

I prepare clear options for you

I go through the conditions with you and present the ones that truly fit your case, with the price always upfront.

3

I stay with you afterwards

I remain your point of contact: we review your policy whenever your situation changes, and I help if you ever need to use it.

Insurance I manage

A policy for every stage of your life.

These are some of the policies I manage most often. If yours isn't listed here, tell me about it — I can most likely help with that too.

Funeral Insurance & Life Assistance

Protects your family from funeral costs and also supports you with in-life assistance services.

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Home Insurance

Protects your home, your belongings and the people living in it against theft, damage and accidents.

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Life Insurance

Financial protection for your loved ones and your mortgage. You're not required to take it out with your bank.

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Health Insurance

Choose your copay

Complete medical care across Spain, with the copay level you choose.

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Savings

Ideal for future planning

Build future capital for yourself, your children or your retirement, with guaranteed returns.

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Pets

Health and liability cover for your dog, cat or whichever animal is part of your family.

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Accidents

Cover designed for everyday life, with attention and conditions adapted to your circumstances.

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Business & Commerce

Protects your business, your premises and your activity against the unexpected and third-party liability.

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Community Buildings

Comprehensive cover for your residents' association: the building, shared areas and liability.

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Boats

Protects your boat or leisure craft, both in the marina and out at sea.

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MA
Micol Astorri
Insurance Advisor
About me

Behind every policy, there's a real person.

For years I've been helping families and self-employed professionals understand exactly what they're signing up for and why. No rush, no jargon, and direct access to me whenever you need it.

  • ✓ Registered in the Spanish Insurance Distributors Registry (DGSFP)
  • ✓ Current professional liability insurance
  • ✓ Direct contact: you always speak to the same person
Learn about my background →
The difference

Why work with an insurance advisor.

Choosing insurance on your own and choosing it with guidance aren't the same thing. Here's what changes.

Searching on your own

  • · Comparing conditions and small print on your own
  • · Choosing the capital or cover blindly
  • · No one reviewing your case if your situation changes
  • · You have to learn the whole process from scratch

With Micol

  • · I study your situation before proposing anything
  • · I explain cover and conditions in plain language
  • · You always speak to the same person
  • · I'm still available when you need to use your policy
Reviews

What people who already work with me say.

"She was kind and patient, and took the time to explain everything clearly to help me find the insurance that best suited me."
AV
Ana V.
Client
"From the very first contact she was kind, attentive and professional. She advised me patiently, answered all my questions and helped me find the best option for my needs, with no complications."
★★★★★
VO
Victor O.
Client
"The in-person service was outstanding: very attentive and understanding of my needs. She helped me avoid unnecessary, duplicate expenses. Highly recommended."
DM
David M.
Client
"Thank you to advisor Micol — my children and I now have funeral insurance, which also gives us handy shortcuts for medical appointments and consultations. Excellent professional. Thank you!"
★★★★★
VD
Victoria Duré
Client
"I have funeral insurance and a savings plan with Micol, and I’m very happy with her service. She’s a close, consistent professional who’s always on top of managing and reviewing my policies. She explains everything clearly and inspires real confidence. I definitely recommend miseguros.es, and especially Micol’s care."
★★★★★
FK
Federico Kroupensky
Client
"Micol is a true professional from start to finish. She helped and advised me on insurance matters, and I took out my funeral insurance with her."
★★★★★
LE
Luis Espuch
Client
Frequently asked questions

Before you get in touch.

The questions I get asked most, grouped by topic. If yours isn't here, write to me and I'll answer personally.

About working with me
Does working with an insurance advisor cost me anything? +
No. My advice comes at no extra cost: I'm paid the same way any broker is, within the price of the policy. You pay exactly what you'd pay on your own, with the difference of having someone on your side.
What exactly does an insurance advisor do? +
I study your situation, explain which cover you genuinely need and which you don't, help you choose the right amount, and I'm also there when it's time to use the policy, not just when you take it out.
How do I know exactly which insurance I need? +
You don't need to know beforehand. You tell me your situation and I propose the option that fits you, explained without jargon and with the price always upfront.
Can I change or extend my insurance if I already have one? +
Yes. We review your current policy whenever your situation changes — a new home, children, a new job — and adjust the capital or cover so it keeps fitting you.
In which area of Spain can I take out insurance with you? +
I work with clients across all of Spain. The first conversation, the study of your case and the sign-up are all done by phone, video call, WhatsApp or email, with no need to travel.
How long does it take to process new insurance? +
In most cases, once the paperwork is in order, the policy is active within a few days. I prepare your options within 24–48 hours and, once you decide, I take care of the entire process myself.
What do I do if I need to use my policy or file a claim? +
You write or call me directly, not a generic call centre. I explain the steps, check that the paperwork is complete, and follow up with you until it's resolved.
Life and funeral insurance
What's the difference between life insurance and funeral insurance? +
Life insurance pays a lump sum to your beneficiaries if you pass away, designed to cover a mortgage or maintain your family's standard of living. Funeral insurance specifically covers the costs and paperwork of the funeral, with a funeral service included.
Am I required to take out life insurance with my bank when getting a mortgage? +
No. The law allows you to provide a life insurance policy of your own choosing for the mortgage, as long as it meets the minimum cover required by the bank. You're not obliged to take it out with the lender giving you the loan.
How much does funeral insurance cost? +
The price depends on your age, the capital taken out and the type of premium. I'll prepare a personalised, no-obligation calculation so you see the exact instalment before deciding.
What are natural, level and single premiums in funeral insurance? +
The natural premium rises with age each year, the level premium stays stable for an agreed period, and the single premium is paid once with no further instalments. I'll explain which suits you best based on your age and goal.
Self-employed, women and seniors
Do I need insurance if I'm self-employed? +
As a self-employed professional, you don't have the same safety net as an employee if you're off work due to illness or an accident. A protection policy tailored to your activity covers that loss of income and other risks specific to your business.
What does accident insurance designed for women cover? +
It includes cover for everyday accidents, with conditions and compensation adapted to situations and life stages specific to women. I'll detail the exact guarantees based on your profile.
Up to what age can you take out funeral insurance? +
It can be taken out at an advanced age, even from 65 or 70 onwards, usually with a single premium and no medical examination required. I'll confirm the exact limit based on your profile.
Can I take out funeral insurance for my parents? +
Yes, it's one of the most common things I help with. It can be taken out with a single premium, no monthly instalments, sorting out your parents' cover without them having to deal with anything.
Do you need a medical examination to take out senior funeral insurance? +
No. Senior funeral insurance with a single premium is usually taken out without a medical examination or a lengthy health questionnaire, which makes it much easier to arrange from a certain age onwards.
Let's get started

Tell me your situation, no obligation.

A 5-minute call is enough to know where to start. You decide afterwards, in your own time.

Get your quote → Call · 624 185 167