Last updated: September 17, 2026
1. Site operator
panamaglobal.net is operated by Rigoberto Antonio Amaya De León, an individual insurance broker holding license PN-8635, regulated and supervised by the Superintendency of Insurance and Reinsurance of Panama. You can verify the license in the Superintendency's public register of brokers — and if you are new to Panama, verifying any broker there before sharing documents is worth the two minutes.
2. Scope and acceptance
These Terms govern access to and use of this website. By browsing it you accept them. If you do not agree, please do not use the site.
3. Nature of the information
The content of this site, including the educational guides in the Resources section, is general and informational. It does not constitute:
- A binding offer of insurance.
- A policy or any commitment of cover.
- Personalised legal, tax or financial advice.
The terms that govern your cover are exclusively those of the policy issued by the carrier — including its exclusions, deductibles, waiting periods and limits. Where this site and the policy wording differ, the policy prevails.
Note for newcomers: Panamanian policy wordings are issued in Spanish, and the Spanish text is the legally binding version even when an English courtesy translation exists.
4. What a Panamanian broker does
We act as an insurance broker: an intermediary between you and carriers licensed in Panama. We are not an insurer and we do not carry the risk. Underwriting, policy issuance and claims payment are the sole responsibility of the carrier issuing the contract.
If you are used to another market, two differences are worth knowing: brokers in Panama are licensed and supervised individually by the Superintendency, and broker remuneration is normally a commission paid by the carrier out of the premium rather than a separate fee charged to you.
5. Using the policy comparator
The life policy comparator is a decision-support tool that computes financial indicators (Net Present Cost and Internal Rate of Return) from the figures you enter. All logic runs in your browser and nothing you enter is stored or transmitted.
Please keep in mind:
- Results depend entirely on the accuracy of the figures you enter.
- The comparison assumes an identical sum insured across the policies compared. If the sums differ, the result will artificially favour the cheaper policy without reflecting the difference in cover.
- Projected values on cash-value policies are not guaranteed unless the policy itself guarantees them.
- The comparator does not assess exclusions, carrier financial strength, claims-service quality, or whether a product suits your particular circumstances.
Its output is not a recommendation. Any decision to buy should rest on the policy wording and an advice conversation.
6. Quotations
Quotations provided are estimates subject to change, conditional on the carrier's assessment and acceptance of the risk, and valid only for the period stated on each document. The final premium may differ after underwriting — particularly on health products, where medical underwriting can add loadings or exclusions.
7. Intellectual property
The text, guides, design, code and comparator on this site belong to Rigoberto Antonio Amaya De León unless stated otherwise. You are welcome to read them and share links. Reproduction for commercial purposes requires prior written permission. Carrier trademarks and logos belong to their respective owners and are shown for identification only.
8. Third-party links
This site links to carrier websites, regulators and medical provider networks. We do not control their content or availability and accept no responsibility for them. A link does not imply endorsement.
9. Site availability
We aim to keep the site available and current, but do not guarantee uninterrupted or error-free operation. Content may be modified, suspended or withdrawn at any time.
10. Limitation of liability
To the fullest extent permitted by Panamanian law, we accept no liability for loss arising from use of the general information on this site, from inability to access it, or from decisions taken solely on the basis of its content without advice and without reviewing the policy wording.
Nothing in these Terms limits the duties Panamanian insurance regulation imposes on a broker towards clients.
11. Governing law and jurisdiction
These Terms are governed by the laws of the Republic of Panama. Any dispute will be submitted to the competent courts of the Republic of Panama, without prejudice to the complaint mechanisms available through the Superintendency of Insurance and Reinsurance of Panama. This applies regardless of your nationality or country of residence.
12. Contact
Rigoberto Antonio Amaya De León · Insurance Broker, License PN-8635
Email: rigoberto@panamaglobal.net
WhatsApp: +507 6371 3416