We represent
Ideal for
ParentsBusiness ownersPeople with a mortgageEstate planning
What your policy can cover
Additional coverages & options
Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.
+Family income benefit
+Waiver of premium on disability
+Spouse coverage
+Funeral expenses
+Inflation-indexed increasing sum
+Critical-illness rider
When your policy responds
Protecting the mortgage
You insure an amount equal to your home debt. If you’re gone, your family keeps the house free of the loan.
Wealth & family protection
You size the sum so your family’s plans and patrimony stay intact, no matter what.
A hard diagnosis
You’re diagnosed with a covered critical illness. The advance lets you get treatment without touching family savings.
Frequently asked questions
What people ask us most about this coverage.
How much should I insure?
A common guide is 7 to 10 times your annual income, adjusted for debts and goals. We calculate it with you, no pressure.
Term or whole life?
Term offers maximum protection at the lowest cost; whole life protects for life and builds savings. It depends on your goal.
Do I need medical exams?
Some sums require an evaluation; others don’t. We find the fastest option for your profile.
Do beneficiaries pay taxes?
In Panama the life sum is generally paid free of income tax to the named beneficiaries.
Let’s design your coverage.
This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.