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Life Insurance
For 115 years, we've helped protect what matter most with life, accident, and health insurance you can trust.
Because when life changes, you deserve protection that's there for you and your loved ones.
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Life Insurance
Celebrate Life Insurance Awareness Month
Life Insurance Awareness Month is the perfect time to review your coverage and ensure it aligns with your current needs. Whether you're planning for the future, supporting a family, or simply looking for peace of mind, having the right life insurance in place can provide financial security and protection when it matters most.
Life Insurance
Life insurance helps you secure you and your dependents' financial futures. Whether you’re worried about what will happen to your loved ones after you’re gone, or saving so that you can enjoy your retirement to the fullest, we have the solutions to provide you with security and peace of mind.
EXPLORE OUR SOLUTIONS
Whole Life
Term Life
Indexed Universal Life (IUL)
Whole Life
Whole Life
Term Life
Term Life
Indexed Universal Life (IUL)
Indexed Universal Life (IUL)
In a world of volatility, our whole life product solutions provide our clients with certainty through lifetime guarantees: guaranteed premiums, guaranteed cash values and guaranteed death benefits.
Horizon Value
Horizon Value
Horizon ValueTM provides early, fast, guaranteed growth of cash values, plus:
- Guaranteed Level Premiums—that will never increase for the life of the policy as long as you pay your premiums.
- Guaranteed Death Benefits—usually received income tax free by your beneficiaries.
- Non‑Forfeiture Benefits—including term or reduced paid‑up insurance, if your plans change.
- Accelerated Death Benefit Rider (with Critical, Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes critically, permanently chronically or terminally ill, providing funds at a time when your family might need it most.
- Flexibility of Customizing Your Policy—fit your specific needs by adding optional riders and benefits as recommended by your Pan‑American Life Representative.
Horizon Guarantee
Horizon Guarantee
Horizon GuaranteeTM provides a guaranteed death benefit at a cost‑effective level premium, plus:
- Guaranteed Cash Values and non‑guaranteed dividends that grow tax‑deferred.
- Non‑Forfeiture Benefits—including term or reduced paid‑up insurance, if your plans change.
- Accelerated Death Benefit Rider (with Critical, Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes critically, permanently chronically or terminally ill, providing funds at a time when your family might need it most.
- Flexibility of Customizing Your Policy—fit your specific needs by adding optional riders and benefits as recommended by your Pan‑American Life Representative.
Horizon Legacy
Horizon Legacy
Horizon LegacyTM is a highly competitive, single premium, participating whole life insurance product that can help you increase the amount of money you leave your loved ones while maintaining access and control of it during your lifetime. With just one premium you'll enjoy:
- Guaranteed life insurance protection.
- Guaranteed, tax‑deferred growth of cash values and non‑guaranteed dividends.
- Access to cash throughout your life, to use in any way you choose, through loans and withdrawals of dividends.
- An Accelerated Death Benefit Rider with Critical, Chronic and Terminal Illness provisions available at no additional premium. This rider makes it possible to accelerate a portion of your policy’s death benefit if the insured becomes chronically or terminally ill, providing funds at a time when your family might need it most.
- Guaranteed, income tax‑free death benefit for your loved ones.
MTL Non‑Par Whole Life
MTL Non‑Par Whole Life
MTLTM Non‑Par Whole Life provides a guaranteed death benefit at a cost effective level premium, plus:
- Guaranteed Cash Values that grow tax deferred.
- Non Forfeiture Benefits—including term or reduced paid up insurance, if your plans change.
- Accelerated Death Benefit Rider (with Critical, Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes critically, permanently chronically or terminally ill, providing funds at a time when your family might need it most.
- Flexibility of Customizing Your Policy—fit your specific needs by adding optional riders and benefits as recommended by your Pan‑American Life Representative.
Horizon Value
Horizon Value
Horizon Guarantee
Horizon Guarantee
Horizon Legacy
Horizon Legacy
MTL Non‑Par Whole Life
MTL Non‑Par Whole Life
Horizon ValueTM provides early, fast, guaranteed growth of cash values, plus:
- Guaranteed Level Premiums—that will never increase for the life of the policy as long as you pay your premiums.
- Guaranteed Death Benefits—usually received income tax free by your beneficiaries.
- Non‑Forfeiture Benefits—including term or reduced paid‑up insurance, if your plans change.
- Accelerated Death Benefit Rider (with Critical, Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes critically, permanently chronically or terminally ill, providing funds at a time when your family might need it most.
- Flexibility of Customizing Your Policy—fit your specific needs by adding optional riders and benefits as recommended by your Pan‑American Life Representative.
SelecTerm provides the value and flexibility you want and need for the period of time that fits your needs
SelecTerm
SelecTerm
Term insurance is economical protection for a limited period of time. The SelecTerm series
provides guaranteed level premiums for 10, 15, 20 and 30 years. Coverage can be renewed after the level premium period until age 98. Premiums after the level premium period will increase annually. Should insurance needs change, the policyowner can convert SelecTerm policy to any permanent life insurance policy. Conversion can occur anytime during the level premium period or to age 70, whichever is earliest.
SelecTerm
SelecTerm
Term insurance is economical protection for a limited period of time. The SelecTerm series
provides guaranteed level premiums for 10, 15, 20 and 30 years. Coverage can be renewed after the level premium period until age 98. Premiums after the level premium period will increase annually. Should insurance needs change, the policyowner can convert SelecTerm policy to any permanent life insurance policy. Conversion can occur anytime during the level premium period or to age 70, whichever is earliest.
Vista Life®
Vista Life®
Our Vista Life® indexed universal life (IUL) product allows policyholders to maintain permanent life insurance coverage and take advantage of equity market performance for greater upside cash value growth potential—all while enjoying strong protection against market downturns. With Vista Life IUL, you’re in control. From investment allocations, access to withdrawals, and flexible premiums, policyholders can achieve financial security and peace of mind on their own terms.
Vista Life®
Vista Life®
Our Vista Life® indexed universal life (IUL) product allows policyholders to maintain permanent life insurance coverage and take advantage of equity market performance for greater upside cash value growth potential—all while enjoying strong protection against market downturns. With Vista Life IUL, you’re in control. From investment allocations, access to withdrawals, and flexible premiums, policyholders can achieve financial security and peace of mind on their own terms.
Beneficiary Support
Submit a Life Claim Online
Beneficiaries of life insurance policies sold through the Pan‑American Life division can submit a life claim online with our easy‑to‑use online claims platform.
To submit a life claim, click here.
Please note! By clicking above, you will leave this Pan‑American Life site and be directly connected to the Swiss Re claims portal.
Empathy: The Next Evolution of Beneficiary Care
Pan‑American Life is proud to offer the services of Empathy, a comprehensive support system for loss, as a complimentary offer to beneficiaries of U.S. policies. Empathy offers customized care by helping families through many of the emotional and practical challenges of losing a loved one, including with potential issues such as planning a funeral, writing an obituary, or settling their financial affairs.
Portal Access
Pan‑American Life Online Policy Manager
Policyowners with life insurance sold through the Pan‑American Life division can easily pay premiums on non‑IUL polices, may make Flex payments and repay loans. Additionally, policyowners can check coverage, monitor policy activity and view statements.
Pan‑American Life Agent Portal
Submit electronic applications. Easy access to pending application status, commission and in‑force policy data, training and marketing tools.
Former Encova Policyowners
Policyowners whose policies were originally placed with Encova Life Insurance Company (previously Motorist Insurance Group) can access policy information.
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