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Pan American Life

Founded in 1911, Pan American is a strong, solid company with 2.2 billion in assets and 595 million in total equity.With their high ratio of surplus to assets, conservative asset portfolio,and liquidity and diversification of assets, the company provides its policyholders with the type of financial security that a lot of other carriers cannot.
Pan American is rated Excellent by A.M. Best and very good by the Fitch Ratings Insurance Group, demonstrating their financial strength and ability to meet their obligations to policyholders.

Currently, Pan American is licensed in 42 states and the District of Columbia, as well as Puerto Rico. Their international operations include affiliates in Panama, Guatemala, Colombia and Puerto Rico, and branch offices in Ecuador, El Salvador and Honduras and serves over 350,000 customers and producers worldwide, offering Individual life insurance, Life and group health in Latin America.

Their term life insurance policies feature affordable, guaranteed rates and a conversion credit of up to 100 percent of premiums paid when switching to universal or whole life. Their Universal Life Insurance Portfolio includes six unique plans, each with competitive pricing, easy to understand insurance coverage and tax deferred cash accumulation.

They also offer unique policy provisions that could provide tax free distributions during retirement including extended coverage beyond age 100 that ensures that the policy matures as a death benefit, fully paid up, reduced coverage which avoids taxes that may be triggered upon lapse, and wash loans which allow for higher non taxed income flow.

The products they offer include Income Protector, Income Protector Plus, and Business Overhead Expense. They offer a full range of ancillary products and services through its worksite portfolio. Their worksite insurance products provide coverage for individuals through their place of employment, with premiums paid either by the employer or through payroll deduction.

The firm started operations in Latin America in 1912 through its branches and affiliates. Today, they have three branches and four affiliates that they consider being their local market operations.

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