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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
Retain and motivate your top talent and increase their wellbeing and protection with access to the best care with group life, medical and personal accident insurance for your company’s employees. We offer plans that fit your budget, with coverage that meets the needs of your employees and your business.
Explore our Solutions
Employer Plans for SMEs
Personal Accident Plans
Combination Coverage
Multinationals
Employer Plans for SMEs
Employer Plans for SMEs
Personal Accident Plans
Personal Accident Plans
Combination Coverage
Combination Coverage
Multinationals
Multinationals
5:25
5:25
Retain and motivate your top talent and boost their wellness and protection. Give your company’s employees access to the best care with group life, health, and personal accident insurance. With more than a decade on the market, we provide unparalleled coverage for small businesses, specifically those with 5 to 25 employees. We offer plans and coverage that fit both your employees’ needs and your budget.
5:25 Plan Options
The 5:25, 5:25 Ultra, and 5:25 Ultra Plus options protect your workforce with Health and Life Insurance and provide access to an expansive network of healthcare providers to seamlessly access the medical care they need.
Main Features:
- Group Life & Accidental Death & Dismemberment coverage
- Hospitalization and intensive care coverage
- Laboratory tests and x‑rays
- Physician, surgeon, and anesthesiologist benefits
- Outpatient doctor visits
- Maternity coverage
- Medication
- Emergency air ambulance benefit
- Psychiatric services benefit
- Preventive care services
- Dental & vision benefits
- And more
Summary of Benefits:
- Access to Health and Life Insurance that provides peace of mind for employees in an affordable way without affecting the quality of coverage
- No limit on the number of family members who make up the company census, once they are full‑time employees
- Access to our provider network that boasts over 400 providers, no in‑network deductibles, no paperwork, and no up‑front costs
- Innovative coverage for maternity benefits which include midwife consultations and the purchase of breast pumps
- Increased Group Life and AD&D coverage amounts up to $250K* in increments of $50K*
*All figures are expressed in Trinidad and Tobago Dollars (TTD)
Key Considerations:
- Minimum for enrollment: 5 people
- Maximum age of entry: 64th birthday
- Maximum age for coverage: 70th birthday
- Maximum Age for coverage of students: 25th birthday (provided that relevant supports are provided)
- Each applicant must be medically underwritten to join the plan
* NOTE: Information and pricing subject to change when products are renewed.
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.
5:25
5:25
Retain and motivate your top talent and boost their wellness and protection. Give your company’s employees access to the best care with group life, health, and personal accident insurance. With more than a decade on the market, we provide unparalleled coverage for small businesses, specifically those with 5 to 25 employees. We offer plans and coverage that fit both your employees’ needs and your budget.
5:25 Plan Options
The 5:25, 5:25 Ultra, and 5:25 Ultra Plus options protect your workforce with Health and Life Insurance and provide access to an expansive network of healthcare providers to seamlessly access the medical care they need.
Main Features:
- Group Life & Accidental Death & Dismemberment coverage
- Hospitalization and intensive care coverage
- Laboratory tests and x‑rays
- Physician, surgeon, and anesthesiologist benefits
- Outpatient doctor visits
- Maternity coverage
- Medication
- Emergency air ambulance benefit
- Psychiatric services benefit
- Preventive care services
- Dental & vision benefits
- And more
Summary of Benefits:
- Access to Health and Life Insurance that provides peace of mind for employees in an affordable way without affecting the quality of coverage
- No limit on the number of family members who make up the company census, once they are full‑time employees
- Access to our provider network that boasts over 400 providers, no in‑network deductibles, no paperwork, and no up‑front costs
- Innovative coverage for maternity benefits which include midwife consultations and the purchase of breast pumps
- Increased Group Life and AD&D coverage amounts up to $250K* in increments of $50K*
*All figures are expressed in Trinidad and Tobago Dollars (TTD)
Key Considerations:
- Minimum for enrollment: 5 people
- Maximum age of entry: 64th birthday
- Maximum age for coverage: 70th birthday
- Maximum Age for coverage of students: 25th birthday (provided that relevant supports are provided)
- Each applicant must be medically underwritten to join the plan
* NOTE: Information and pricing subject to change when products are renewed.
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.
Group Personal Accident
Group Personal Accident
Provide the support and peace of mind that your employees, associates, or team need to safeguard their well‑being in case of accidents or unexpected events.
Group Personal Accident provides coverage for Accidental Death and Dismemberment and can be complemented with additional riders, which include Accident Medical Expense Reimbursement, Accidental Disability Income, Permanent & Total Disability and Temporary & Total Disability coverages.
We have a variety of plans aimed at broadly covering the protection needs of employees of corporations/companies, associations, schools, and other organizations:
- Corporate entities
- Corporate events
- Short Term: protection for time‑definite events
- Students: schools, colleges, universities
- Travel assistance
We got you covered!
- Coverage 24/7/365
- No medical exams required
- Insured sums according to the needs of the contracting party and insured
- Option to cover contractual / part‑time workers
- Annual renewable validity
Group Personal Accident
Group Personal Accident
Provide the support and peace of mind that your employees, associates, or team need to safeguard their well‑being in case of accidents or unexpected events.
Group Personal Accident provides coverage for Accidental Death and Dismemberment and can be complemented with additional riders, which include Accident Medical Expense Reimbursement, Accidental Disability Income, Permanent & Total Disability and Temporary & Total Disability coverages.
We have a variety of plans aimed at broadly covering the protection needs of employees of corporations/companies, associations, schools, and other organizations:
- Corporate entities
- Corporate events
- Short Term: protection for time‑definite events
- Students: schools, colleges, universities
- Travel assistance
We got you covered!
- Coverage 24/7/365
- No medical exams required
- Insured sums according to the needs of the contracting party and insured
- Option to cover contractual / part‑time workers
- Annual renewable validity
Group Life, Accident and Health Combination Cover
Group Life, Accident and Health Combination Cover
Pan‑American Life's Group Life, Accident and Health Combination Cover provides financial protection and greater peace of mind to your team through a comprehensive insurance plan that adapts to the protection needs of each group and budget.
We know that each client is unique, that is why our products can be customized to give you the coverage you need.
Group Life coverage can be offered as a flat benefit (specific coverage amount) or can be offered as a multiple of earnings / salaried base. Accidental death and dismemberment and critical illness are also offered as riders to your Group Life coverage.
We customize your Group Health coverage based on the needs of your employees, budgetary considerations and overall demographic and experience of the group. Group Health plans are offered as either a Comprehensive Major Medical (CMM) plan design or a Medical Assistance and Supplementary Major Medical (MA/SMM) plan design.
Group Life, Accident and Health Combination Cover
Group Life, Accident and Health Combination Cover
Pan‑American Life's Group Life, Accident and Health Combination Cover provides financial protection and greater peace of mind to your team through a comprehensive insurance plan that adapts to the protection needs of each group and budget.
We know that each client is unique, that is why our products can be customized to give you the coverage you need.
Group Life coverage can be offered as a flat benefit (specific coverage amount) or can be offered as a multiple of earnings / salaried base. Accidental death and dismemberment and critical illness are also offered as riders to your Group Life coverage.
We customize your Group Health coverage based on the needs of your employees, budgetary considerations and overall demographic and experience of the group. Group Health plans are offered as either a Comprehensive Major Medical (CMM) plan design or a Medical Assistance and Supplementary Major Medical (MA/SMM) plan design.
For companies operating in several countries, we offer a complete benefits package that meets each country’s needs.
Our unique geographical presence, combined with our specialized experience designing accident, life, health, and retirement plans for multinational companies, has made us the partner of choice for companies like yours seeking to offer their employees high‑quality benefits and first‑class services.
*NOTE: Information and pricing subject to change for product renewals
The benefits described are subject to the terms and conditions of the policy. For further information, please contact your Pan‑American Life Representative. To the extent permitted by law, the information, products, or names in this presentation, or in any other form of sales/marketing literature are provided without warranties of any kind, express or implied; Pan‑American Life Insurance Group and its member companies, disclaim all express or implied warranties of merchantability and fitness for a particular purpose.
All products and services are sold and underwritten by the Pan‑American Life Insurance Group licensed affiliate in each jurisdiction.
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