Pan American Life Insurance Pan American Life Insurance

Broker products to meet your diverse client needs.




A. M. Best


Since 1911, Pan-American Life has delivered innovative and affordable benefits to thousands of individuals ,families, and businesses throughout the Americas.  Over the past 20+ years we’ve evolved into a niche/specialty carrier, we by intention are not your traditional insurance company, our Easy Issue Innovative Products and Services are specialty in nature, meant to provide our broker partners with a unique marketing advantage.


In our continued commitment to provide innovative, affordable and meaningful employee benefit solutions, Pan-America was the first to market “Minimum Essential Coverage” in response to ACA.  Our compliant, easy issue, customizable and affordable plans help you deliver confidently in this ever-changing market.  Pan-American offers a Single Administration Platform to control cost and keep service standards above industry norms. 

Our ACA Compliant Solutions:

PanaBridge Advantage is a lower-cost alternative to traditional major medical coverage. It provides a combination of a self-funded plan that meets the “minimum essential coverage”requirement and a fully insured limited benefit indemnity plan (excepted benefit) to provide meaningful first dollar benefits to help cover common services such as doctor’s office visits, hospitalization, intensive care, accidents, AD&D, labs, x-rays, prescriptions, Term Life and much more.


  • Maximum/Level Funding to protect plan sponsors from unexpected events such as, sudden increases in utilization, cash-calls and unpredictability of funding costs over time
  • Proven rate stabilization, resulting in long-term budget controls
  • Satisfies ALE Mandate 4980H(a)
  • Satisfies the Individual Mandate
  • No pre-existing condition limitations
  • No deductibles or copays - First dollar preventive and limited medical coverage
  • Guaranteed Issue
  • Single Administration Platform
  • No Cost Enrollment Support
  • May be offered to groups with other medical coverage
  • Minimum Participation: 25 Enrolled (in most states)
  • Telehealth (no cost consults)
  • COMPASS Health Advocacy and Concierge Services

Other Products Include:

  • Limited Benefit Indemnity
  • HD-Supplement
  • Critical Illness – GI Lump Sum
  • Cancer – GI Lump Sum
  • Dental
  • PayCheck Provider – Voluntary Group Life
  • Medicare Supplement
  • Executive Medical Reimbursement
  • Stop Loss
  • Blanket & Travel Accident
  • National Trucking Occupational Accident & Texas Non-Subscription

Type Small Group Large Group Stop Loss Individual Senior


  • Georgia
  • Maryland
  • Ohio
  • Texas
  • Virginia


  • California
  • Florida
  • Georgia
  • Maryland
  • Ohio
  • Texas
  • Virginia




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