Our services

Coverage that fits expat life.

Local plans, international carriers, and everything in between. We explain every policy in English and handle the Spanish paperwork for you.

14 lines of coverage
17+ partner insurers
0 cost for advice

Life

Protect your family's financial stability across borders if something happens to you.

  • Term or whole life
  • Savings and investment component
  • Living benefits (critical illness)
  • Additional accident coverage
Request information →

Personal accident

Quick compensation for the unexpected.

  • Accidental death and disability
  • Medical expenses from accidents
  • Daily hospitalization allowance
  • Coverage for sports and travel
Request information →

Travel

Coverage for trips back home or across Latin America. Medical care, cancellation and repatriation.

  • International medical care
  • Trip cancellation and interruption
  • Lost or delayed luggage
  • Medical repatriation
Request information →

Home & multi-risk

Protect your rental or owned property in Panama. Structure, contents and liability in one policy.

  • Fire, lightning and explosion
  • Theft and water damage
  • Natural phenomena
  • Family civil liability
Request information →

Pets

Veterinary care with no surprises on the bill.

  • Consultations and treatments
  • Surgery and hospitalization
  • Vaccines and deworming
  • Dogs and cats, all ages
Request information →

Civil liability

Protects your assets if you cause harm to a third party.

  • Bodily injury and property damage
  • Legal defense and court costs
  • Family or professional coverage
  • Configurable limits
Request information →

Group health & life

Benefits for your team, advantages for your business.

  • Group health and life plans
  • Tax benefits for the company
  • Talent retention tool
  • No medical exam enrollment (by plan)
Request information →

Cargo transport

Your goods protected on every journey.

  • Land, sea and air transport
  • Total loss and particular average
  • Annual or per-shipment policies
  • National and international coverage
Request information →

Commercial fleet & marine hull

Coverage for your logistics operation.

  • Vehicle fleets of any size
  • Commercial vessels
  • Operational civil liability
  • Schemes with variable deductible
Request information →

Bonds

Guarantees for tenders and contracts.

  • Bid bonds
  • Performance bonds
  • Advance payment and payroll bonds
  • Public and private processes
Request information →

Commercial civil liability

Defends your business against third-party claims.

  • Operations, products and completed operations
  • Legal defense included
  • Industry-specific coverage
  • Directors & Officers (D&O) endorsements
Request information →

Don't see the coverage you need? Tell us. We work with 17+ insurers and can structure tailored options.

How we work

Three steps. Zero pressure.

Our work doesn't end when the policy is placed. That's where it begins.

01

We compare

We pull options from local and international carriers and present them side by side in English. No preferred insurer, no sales script.

02

We clear up doubts

We explain what is covered, what isn't and why, in plain language. The decision is yours, with all the information on the table.

03

We handle the Spanish

Renewals, modifications, claims: we deal with the insurer in Spanish so you don't have to. You get updates in English.

Not sure what you need in Panama? Ask us.

Message us in English and we'll respond within 24 hours with clear, compared options.