As of October 1, 2021, the interest rate credited on our Pan‑American LifeAccess Universal Life Insurance policy will be changed from 4% to 3.75%. This new rate of 3.75% in US dollars continues to constitute a very competitive return in the insurance sector, as well as in the financial market. Additionally, the Bonus Rate (on policies from year 16 onwards) will be changed from 1% to 0.5%. If you have any questions about your policy and its financial projection, please contact your Insurance Agent or contact us at (506) 2204‑6300 or email servicioalclientecr@palig.com. Pan‑American LifeAccess Universal Life Insurance: The contractual documentation and the technical note that make up this product are registered with the General Superintendence of Insurance, in accordance with the provisions of article 29, paragraph d) of the Law Regulating the Insurance Market, Law 8653, under registration(s) number P14‑50‑A06‑440 dated June 4, 2013.