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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.
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Employer Plans for SMEs
Personal Accident Plans
Combination Coverage
Multinationals

Employer Plans for SMEs

Personal Accident Plans

Combination Coverage

Multinationals

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

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.
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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