Pan-American Life Insurance Company, Sucursal Ecuador

Pan-American Life entered the Ecuadorian market in October 1956 when the company began to operate both in Guayaquil and Quito. In 1984, Pan-American Life moved its headquarters to Quito where it started offering individual life and group health insurance.

Pan-American Life Ecuador has stood out as a pioneer and leader in the individual and group insurance market, offering one of the largest investment portfolios in the country, creating savings and working capital for thousands of Ecuadorians.

Corporate Government

Providers Network

Ambulatory Providers



Publication of Financial Information (Resolution JB-2012-2209)

Company financial statements corresponding to year 2014

Company financial statements corresponding to year 2013

Company financial statements corresponding to year 2012

Universal Life Insurance

We provide universal life insurance plans that are flexible, easy to understand and competitively priced.

FlexiLife V

An insurance policy in US dollars designed to provide an increase of cash value. It offers one of the most flexible plans in the market with a minimum guaranteed interest rate.

FlexiLife VI Plus

TA universal life insurance policy in US dollars that is adaptable to the needs of the client.

Term Life Insurance

Our term life insurance policies have guaranteed, affordable, level annual premiums, and offer the possibility to convert to a permanent protection plan available from the company.

20/10 Years

Term life insurance policy offering a 20-year level premium guaranteed for 10 years.

Group Insurance

Pan-American Life offers you a complete range of additional group insurance products and services, created to meet the needs of employers as well as its employees.

Life Insurance

This insurance policy protects the life of the employee. An indemnity is paid upon the policyholder’s death.

Health Insurance

This policy provides the policyholder and his/her dependents medical benefits. The policy refunds or reimburses a specified amount due to medical treatment.

Total Permanent Disability Insurance

This plan covers the policyholder in the event of total and permanent disability as a result of an accident or illness that does not allow him/her to continue working.

Accidental Death and Dismemberment Insurance (AD&D)

This insurance offers exclusive coverage for the policyholder in the event of bodily injury resulting from direct, violent, accidental events beyond his/her control.

Dental Plan

This plan can be added to health and life insurance plans, offering a variety of benefits and services including preventive, restorative and orthodontic treatment.

Individual Health Insurance

Health Trust

- Individual health plan for medical care and prescriptions
- Offers benefits and coverage for life
- 3 Plans: 1 international option and 2 local options
- Repatriation of Remains benefit for International plan
- No age of termination
- Competitive Rates
- Flexible Payment Plans
- Plan for permanent residents of Ecuador
- Eligibilty for persons up to 65 years in age
- Spouse or legal cohabitant can be added to the policy up until 65 years of age
- Dependent children, from the tenth day of birth until 25 years of age, that are single, full-time students and that are financially dependent on the policy holder, can also qualify

International Major Medical

Pan-American Private Client was created as a concept to cater its products and services to a very exclusive and demanding clientele that acquire the Major Medical polices. Our goal is to offer a service that is delivered through an experienced and dedicated group of professionals who are always ready to provide the very best customer experience and through the support of an extensive net of medical providers.

Pan-American WorldAccess

Offers an open pass to the best hospitals and physicians in the world. It will provide each member insured under the policy, with up to $5,000,000 of coverage per year, an amount that resets every policy year.

Pan-American PreferredAccess

Offers 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.