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Trinidad and Tobago

Pan-American Life Insurance Company of Trinidad and Tobago, LTD

Pan-American Life entered the Caribbean market in 2012 as part of a strategic decision to accelerate the company’s growth in the region and after its first full year of operations, the company earned the 2013 World Finance Insurance Award for Best Life Insurance Company – Caribbean. Exclusively committed to life, accident and health lines of business, Pan-American Life has developed an innovative portfolio of products that offers customers best in class life, accident and health solutions along with partnership they can trust.

Pan-American Life is pleased to bring its 100 year old heritage of delivering trusted financial security to individuals and businesses in Trinidad and Tobago.

Life Insurance Products

Pan-American Life Access
Pan-American LifeAccess is a Universal Life insurance product designed to help you create a secure future for yourself and for your family. Whether you want to plan for your retirement or save for your children’s college education, Pan-American LifeAccess has options that fit your lifestyle.

Ordinary Life
Ordinary Life is designed to give you the maximum in permanent insurance coverage during the years you need it the most. It also allows you to secure your family’s financial future. In the event of death, your beneficiary will receive the sum assured plus the value of the accumulated dividends at the time of death.

Guaranteed Protector
Guarantee your savings with our Guaranteed Protector plan which provides basic cash accumulation in savings without payment dividends up to age 70. The plan also includes an Accidental Death Benefit.

Security Cash Plus
Security Cash Plus is a flexible investment linked plan that provides affordable insurance protection and at the same time offers you the opportunity to invest and save, whether it is for your children’s education or your retirement.

Juvenile Security Cash Plus
This plan is specifically designed for parents who are interested in saving for their children’s future education and related costs. You can purchase this product on your child’s behalf up to age 15.

Term to Age 80
Pan-American Life's Term to Age 80 is a Term Life insurance plan that offers Insurance coverage until you reach 80 years of age. This plan can be purchases up to age 70 and offers competitive premium rates. Volume discounts are available on large amounts of coverage.

Silver Lining Rider
Pan-American Life's Silver Lining Rider helps protect you in the event of an unexpected critical illness. It can be added to a new or existing life insurance policy. Critical Illnesses covered by Silver Lining include: Cancer, Heart Attack, Coronary Artery Disease, Surgery, Stroke, Kidney Failure and Blindness.

Annuity Products

Pan-American Life’s Retire Secure
This product is designed to give you the peace of mind that comes with ensuring your financial future. This “next generation” annuity gives you Single Premium and Flexible Premium options so that you can select the long term savings plan that works best for you.

Personal Accident Insurance Products

Circles of Protection
Give yourself comprehensive protection against sudden loss of income due to accident, loss, or illness with our Circles of Protection plan.

Cancer Care
Our Cancer Care product helps you manage the financial impact of cancer so that you can receive the best possible treatment. Cancer Care can assist with the cost of hospital expenses and chemotherapy treatments and with our Cancer Care Plus plan you can add term life insurance that covers death of an insured by any cause while the policy is in force.

Express Cover
Protect yourself 24 hours a day, 365 days a year from accidental loss of life, loss of limbs, and ensure reimbursement for medical expenses related to a covered accident with our Express Cover plan.

Travel Care
This is a comprehensive plan offering reimbursement for medical expenses incurred overseas, related to accident or sickness, medical evacuation, accident death or dismemberment and emergency family travel.

Schoolmate
The Schoolmate Accident Plan offers protection for students and teachers in the case of accidental death or dismemberment. It also provides accident medical expense reimbursement. This plan covers students traveling to and from school or a school sponsored activity as well as protecting them while they are at school or participating in a school sponsored activity. Teachers are protected 24 hours a day and 365 days a year.

Group Insurance

We are a provider of innovative Group Benefit solutions, and with our diverse product portfolio and decades of experience, we can customize group life, group medical or pension packages that will suit your needs - whether you are a small business, a medium sized company or a large corporation. We aim to provide comprehensive cover and an efficient claim servicing that will be of value when your employees need it the most.

Group Pensions
A Group Pension program provides an opportunity for employees to accumulate savings and invest for the purpose of receiving an income upon retirement. In the program, a small percentage of the employee's salary is deducted each month and matched by the company to provide a Retirement Benefit.

Multinational Solutions

In an increasing globalized and ever changing world, multinational companies require innovative solutions and adequate strategies that will allow them to satisfy the personal needs of their workforce.

Pan-American Life specializes in providing multinational corporations with high quality benefits and services for employers and their families.

Pan-American Life’s international programs are coordinated by a team of local experts in each country.

Our Advantages:

  • Coverage is customized according to the region and company policy
  • Consistent, top notch Pan-American Life service standards in all countries
  • Solutions through local, regional and multiple options programs of international and captive “pool”
  • Centralized negotiations in your city or region
  • Policyholders receive reimbursements in their country of residence and in their local currency
  • Immediate access to the PALIGMED medical provider network in each city
  • On-site clinics to personalize your preventive care, wellness and disease management programs

Mass Marketing

Mass marketing and micro insurance products offered by members of the Pan-American Life Insurance Group are geared toward financial institutions, micro credit and debit/credit card issuers; private colleges and universities; department stores; and utilities such as water, electricity, telephone and cellular service providers.

Our goal is to offer a variety of products that are easy to understand, and at a reasonable cost, to broader segments of the population.

Some of the micro insurance products that are ideally suited to be distributed via mass marketing techniques are income protection, in-hospital daily benefits, critical illnesses and accidents.

In addition, we have key staff members with a wealth of knowledge and expertise in the areas of mass marketing and micro insurance, with specialized software available to successfully administer this specialized business.

International Major Medical

Pan-American WorldAccess: Pan-American WorldAccess, offered through Pan-American Life Insurance Company of Trinidad and Tobago, LTD offers an open pass to the best hospitals and physicians in the world. Just choose the hospital or doctor and we will coordinate your treatment. It’s that simple. With Pan-American WorldAccess you have an endless choice of providers, from the top rated U.S. hospitals to the best hospitals in your home country.

Pan-American WorldAccess will provide you, and each member in your policy with up to $5,000,000 of coverage per year, an amount that resets every policy year. As a Pan-American WorldAccess insured you and your family will have the health coverage you need to offset a major medical condition and potentially prevent a stressful financial situation.

Pan-American PreferredAccess: Pan-American PreferredAccess, offered through Pan-American Life Insurance Company of Trinidad and Tobago, LTD gives you access to high rated hospitals and doctors all around the world. It will provide you and each insured in your policy with up to $2,000,000 of coverage per year, an amount that resets every policy year. Pan-American PreferredAccess was designed to help you save on your premiums, as per policy terms, by passing on the savings the company obtains through its Pan-American Private Client network of preferred providers. 

When seeking medical treatment for an elective procedure within the U.S., Pan-American PreferredAccess insureds can choose from a list of top rated U.S. Hospitals. As a Pan-American PreferredAccess insured you will have the choice of any hospital or doctor in the world, including your home country. There are significant advantages when treated in one of our preferred providers. Advantages include, no additional out-of-pocket expenses after you meet your annual deductible and guarantee direct payments to hospitals and doctors. 

For more information about Pan-American WorldAccess and Pan-American PreferredAccess, please contact your insurance agent, call 1-868-625-4426, 1-868-627-4653 or contact us directly for your specific concerns:

General Information and Service: servicett@paligpc.com
Policy Management and Risk Selection: underwritingtt@paligpc.com
Medical Issues and Emergencies: notificationstt@paligpc.com
Medical Records and Claims: claimstt@paligpc.com
Underwriting of the life and health insurance products will be managed through Pan-American Life Insurance Group’s member companies.
Pan-American WorldAccess
Hospitalization
Other Benefits
Outpatient Treatments
Maternity
Room and board, per day 100% 
Intensive care unit, per day 100% 
Surgeon and assisting physician fees 100%
Anesthesiologist fees 100%
Medications 100%
Laboratory tests, pathology and diagnostic imaging 100%
Cancer treatment 100%
Dialysis 100%
Prosthesis and corrective devices 100%
Companion of a hospitalized minor, per night $300
Organ transplants, per lifetime $1,500,000
Ambulance - air and ground $150,000
Congenital or hereditary conditions before age 18, lifetime $1,000,000
Congenital or hereditary conditions on or after age of 18 100%
Preventive health checkup $300
High risk hobbies and amateur sports 100%
Emergency dental treatment 100%
Hospice care 100%
HIV/AIDS per lifetime $500,000
Repatriation of human remains 100%
Complimentary therapy, maximum 20 days 100%
Podiatric 100%
Visits to physicians and medical specialists 100%
Emergency room visits 100%
Cancer treatment 100%
Laboratory tests, pathology and diagnostic imaging 100%
Dialysis 100%
Medications 100%
Physical therapy and rehabilitation, maximum 60 days 100%
Home health care, maximum 60 days 100%
Durable medical equipment 100%
Normal maternity and healthy newborn care per event for normal delivery, elective C-section, prenatal treatment and up to 5 well baby care visits per newborn. $7,000
Complications of pregnancy and ill newborn per lifetime will be paid for maternity complications and newborn complications of birth. $1,000,000
Pan-American PreferredAccess
Hospitalization
Other Benefits
Outpatient Treatments
Maternity
Room and board, per day 100%
Intensive care unit, per day 100%
Surgeon and assisting physician fees 100%
Anesthesiologist fees 100%
Medications 100%
Laboratory tests, pathology and diagnostic imaging 100%
Cancer treatment 100%
Dialysis 100%
Prosthesis and corrective devices 100%
Companion of a hospitalized minor, per night $100
Organ transplants, per lifetime $350,000
Ambulance - air and ground $50,000
Congenital or hereditary conditions before age 18, lifetime $300,000
Congenital or hereditary conditions on or after age of 18, lifetime $1,000,000
High risk hobbies and amateur sports, lifetime $250,000
Emergency dental treatment 100%
Hospice care 100%
Repatriation of human remains $6,000
Visits to physicians and medical specialists 100%
Emergency room visits 100%
Cancer treatment 100%
Laboratory tests, pathology and diagnostic imaging 100%
Dialysis 100%
Medications $6,000
Physical therapy and rehabilitation, maximum 30 days $6,000
Home health care, maximum 30 days $6,000
Durable medical equipment $6,000
Normal maternity and healthy newborn care per event for normal delivery, elective C-section, prenatal treatment and up to 3 well baby care visits per newborn. $4,000
Complications of pregnancy and ill newborn per lifetime will be paid for maternity complications and newborn complications of birth. $500,000

William R. Schultz Jr.,
CEO and Managing Director - Caribbean

Pan-American Life Insurance Company of Trinidad and Tobago, LTD

Head Office
Pan-American Life Plaza
91-93 St. Vincent Street
Port of Spain
T: (868) 625-4426
F: (868) 623-4923

Anderson Jackson Agency
1 Prince Street, Arima
T: (868) 664-1801/667-2534
F: (868) 667-4538

Anthony Beharry Agency
11-13 Kelshall Street
San Fernando
T: (868) 652-4860/4873/7745/653-5658/2162
F: (868) 657-5863

Anthony Beharry Agency
1338 SS Erin Road
Penal
T: (868) 647-2035 / 8021 / 0313
F: (868) 647-8648

Anthony Wilson-Maughn Agency
1 Prince Street, Arima
T: (868) 664-5080/3612/667-4083
F: (868) 664-2602

Beryl Providence Agency
91-93 St. Vincent Street
Port of Spain
T: (868) 625-4426
F: (868) 623-4923

Boxil Charles Agency
91-93 St. Vincent Street
Port-of-Spain
T: (868) 625-4426
F: (868) 623-4923

Boxil Charles Agency - Tobago
Shirvan Plaza, Shirvan Road
Tobago
T: (868) 639-6928/2913
F: (868) 639-6928

Carol-Ann Pierre Agency
E.F Telly Paul Building
Corner of New & St. Vincent Street
T: (868) 627-9907/625-6314
F: (868) 623-3606

Cecil Frederick Agency
Cor. Scott and Sellier Streets
St. Augustine
T: (868) 662-5327/4353/6150
T: (868) 645-9392/663-7894/7253
F: (868)662-9625

Chaguanas Sales and Service Centre
Suite 2B Gaston Court
Gaston Street, Lange Park
Chaguanas
T: (868) 665-1847/0845/7080/672-1223
F: (868) 665-7085

Cyril Murray Agency
Camden House
LP #65 Main Road
Couva
T: (868) 679-6809/4743/8746, 636-2268
F: (868) 679-2991

David Grainger Agency
Unit 2.05
Valpark Shopping Plaza
#1 Morequito Avenue
Valsayn
T: (868)612-1140/1141/0012
F: (868) 645 1394

Direct Sales Centre
Unit 2.13
Valpark Shopping Plaza
#1 Morequito Avenue
Valsayn
T: (868) 662-2504 / 8036 / 2941/663-2851
F: (868) 662-8036

Fabien Carew Agency
Unit 2.05
Valpark Shopping Plaza
#1 Morequito Avenue
Valsayn
T: (868)612-1140/1141/0012
F: (868) 645 1394

Hayden Borrell Agency
Unit 2.05
Valpark Shopping Plaza
#1 Morequito Avenue
Valsayn
T: (868)612-1152/1140/1141/0012
F: (868) 645 1394

Ilitty Mollino Agency
91-93 St. Vincent Street
Port of Spain
T: (868) 625-4426 
F: (868) 623-4923

Kenwyne James Agency
91-93 St. Vincent Street
Port of Spain
T: (868) 625-4426
F: (868) 624-6234

Norman Salandy Agency
123 Long Circular Road
Maraval
T: (868) 628-5412/622-4574/7601
F: (868) 622-0413

Pamela Solano Agency
Cor. Oxford and Pembroke Streets
Port of Spain
T: (868) 623-8709/8619
F: (868) 623-8709

Rishi Ramdeen Agency
Unit 2.05
Valpark Shopping Plaza
#1 Morequito Avenue 
Valsayn
T: (868)612-1140/1141/0012
F: (868) 645 1394

Valentine Frank Agency
Cor. Morton and Edward Streets
Princes Town
T: (868) 655-1619/5181/8818
F: (868) 655-7761

Victor Copeland Agency
1 Prince Street, Arima
T: (868) 664-2233/1675/667-4271
F: (868) 664-5918

Winston Williams Agency
Unit 2.05
Valpark Shopping Plaza
#1 Morequito Avenue
Valsayn
T: (868)612-1140/1141/0012
F: (868) 645 1394

© 2014 Pan-American Life Insurance Group. All Rights Reserved.

© 2014 Pan-American Life Insurance Group. All Rights Reserved.