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Insurance Solutions for Employers

Trusted for over 110 years to provide insurance solutions for your business

Let us take care of a competitive benefits package that fits your business needs.

Employer Plans

In an increasingly competitive landscape, attracting, retaining, and motivating top talent is the key to your business success. At Pan‑American Life Insurance Group (PALIG), we help you achieve this with group insurance solutions designed to take care of your team, enhance your value proposition as an employer, provide financial support in case of an unforeseen event, and offer peace of mind for your employees and their families.

With more than 85 years of experience in the Colombian market, PALIG is one of the top five insurance companies in group life. We combine our financial strength, experience, and a human touch to offer plans that are tailored to fit your needs.

Explore our Solutions

Business Life Insurance

Employer Plans

Multinationals

Business Life Insurance

Employer Plans

Multinationals

Ensure the continuity of your business.

Covering the lives of your business partners and key individuals is an essential part of sound financial planning. Protect your company from the financial imbalance that would be caused by the absence of these individuals.

Summary of Benefits:

Ensures your business continuity and integrity
Does not affect working capital
Secures liquidity
Flexibility and excellent returns
And more

Think about everyone who depends on you today. Your business life insurance is here for you. We are ready to answer any questions you may have.

To request a quote for Business Insurance,

Cirugía Funcional Protegida

An insurance product designed for clinics, hospitals, and physicians who perform functional surgeries, providing financial support in the event of medical complications arising from a covered scheduled or elective (non‑emergency) functional surgery, as long as there is a demonstrated relationship between the procedure and the complication.

This plan offers peace of mind with a sufficient insured amount to cover medical fees, additional surgeries, specialized procedures, and hospital expenses — including those that are typically not covered by other health insurance plans.

In the event of a complication, the clinic requests authorization and receives immediate approval. Payment is made directly to the medical institution, eliminating paperwork and out‑of‑pocket expenses for the patient.

Summary of Benefits

Complications arising from functional surgeries in specialties such as general surgery, orthopedics, urology, neurosurgery, cardiovascular, ophthalmology, vascular, otolaryngology, gynecology, obstetrics, oncology, pediatrics, and robotic surgery.
High, medium, and low‑complexity procedures.
Protection period: 30 days for diagnosis and an additional 30 days for treatment.
Covered ages: 0–60 years.

To request a quote for Cirugía Funcional Protegida,

Belleza Protegida

A solution designed for clinics, hospitals, and doctors that perform elective cosmetic surgeries. It protects both parties in the event of a complication arising from a covered procedure, provided there is a proven relationship between surgery and the complication.

This product gives you peace of mind with a maximum benefit that is high enough to cover medical, surgical, and hospital fees, even those normally excluded under other health plans.

Coverage for complications from surgical procedures:

High complexity
Medium complexity
Low complexity
Functional (ophthalmologic, bariatric, and more)

To request a quote for Belleza Protegida,

Group Health Insurance

A health solution designed to protect your employees and their families.

Our plan provides comprehensive medical coverage that meets your business needs, with flexible options that may be unlimited or that may set a maximum benefit.

With this personalized plan, your company will have customized health insurance, with unlimited options or with a maximum benefit. You and your employees will receive inpatient and outpatient coverage, as well as additional special coverage within a health network of highly respected hospitals, diagnostic centers, and medical specialists.

To request a quote for group health insurance,

Group Personal Accident Insurance

This is an immediate, low‑cost protection solution for companies or service providers. When protecting your employees is the most important thing, you have the peace of mind that comes from being prepared for unexpected events with the best plan and financial support.

Most of the benefits and coverage under our products are designed to be enjoyed during the insureds’ lifetime.

Personal accident products can be standardized and/or customized to cover employees in the following arenas:

Corporate: at work, at home, personal activities, and private and public transportation
Conferences
Educational trips
Tourism
Associations, corporate events and fundraisers
Concerts and cultural events
Sporting events (non‑professional participants)

Main Features:

Around‑the‑clock coverage
Sums insured depending on the needs of the policyholder and insureds
Renewable annual limit or coverage for a specific period of time

Coverages	Additional Benefits
Accidental death	International travel assistance
Dismemberment	Telemedicine and online Doctor visits
Daily hospital benefit	Funeral assistance
Ambulatory surgery support	Telenutrition
Travel insurance	Home assistance and health care
Repatriation	Emotional wellness
Disability due to an accident	Pet assistance
Emergency transfers	Dental coverage
Funeral expenses	School orientation
Medical expenses (network—reimbursement)	Physical therapy assistance

To request a quote for group personal accident insurance,

Group Life Insurance

We are your strategic partner in providing life insurance benefits to your employees.

With group life insurance, your employees and their families will be always backed by solid protection in the case of an unforeseen event.

Summary of Benefits:

The insured is guaranteed coverage to support them in the case of catastrophic events that could affect their families’ lifestyle or livelihood, such as death, total and permanent disability, or critical illness
Complements and adds value to your compensation plans
Promotes a culture of risk prevention with insureds
Guarantees financial and emotional peace of mind for your employees
A financial solution for the most common risks
Contributes to improved employee retention and loyalty in your team

Main Features:

Employer insurance: paid for by the company for its employees
Voluntary insurance: your employees acquire the plan on a voluntary basis
Corporate credit life
Flexibility

Basic Coverage:

Death from any cause
Total and permanent disability
Additional benefit for accidental death and dismemberment
Advance payment for critical illness

Additional Coverage:

Funeral assistance
Additional payment for death and total and permanent disability
Daily hospital benefit
Repatriation assistance
And more

To request a quote for group life insurance, .

Group Credit Life Insurance

Protect your company’s assets against the risk of the death of your debtors. In the event of the death of the insured, PALIG pays the outstanding balance of the debt, up to the face value.

As the policyholder, you will always be the mandatory creditor beneficiary, which guarantees recovery of the loan granted.

In addition, depending on the specific terms and conditions, you can extend coverage to the risk of total and permanent disability, to provide even more comprehensive protection.

Basic coverage—death of the insured If the insured dies from a covered cause during the term of the policy, PALIG pays the outstanding balance of the debt or the established face value.

Who can be insured? Individuals connected to your company through a stable relationship (such as a loan), provided that the relationship has not been created solely to access the insurance.

Forms of coverage:

Outstanding balance of the debt: The outstanding principal and interest accrued up to the date of death are paid.
Initial value of the debt or amount disbursed: The outstanding balance is paid to the policyholder, and the difference is paid to the beneficiaries designated by the insured or, if none, as established by law.

To request a quote for group credit life insurance, click here.

Cirugía Funcional Protegida

Belleza Protegida

Group Health Insurance

Group Personal Accident Insurance

Group Life Insurance

Group Credit Life Insurance

Summary of Benefits

Complications arising from functional surgeries in specialties such as general surgery, orthopedics, urology, neurosurgery, cardiovascular, ophthalmology, vascular, otolaryngology, gynecology, obstetrics, oncology, pediatrics, and robotic surgery.
High, medium, and low‑complexity procedures.
Protection period: 30 days for diagnosis and an additional 30 days for treatment.
Covered ages: 0–60 years.

To request a quote for Cirugía Funcional Protegida,

In each product’s general conditions, you will find a description of the basic coverage and its exclusions, deductible amounts, waiting periods before coverage begins, age limits, automatic renewals, unilateral cancellations, and any other legal provision limiting your right to obtain benefits.

This is not an offer or request to sell insurance products. The above information is a summary of the product’s various benefits. It is not a contract or agreement. All products are subject to exclusions and other applicable terms and conditions.