D&L

Insurance Brokers, Inc.




Pan American Life Insurance Company

Offering
Income Protector Plus and Income Protector

Pan- American is an international financial services company that has grown steadily in size, reserves, and reputation since it was founded in 1911.

Currently, Pan-American is licensed in 42 states and the District of Columbia (DC), as well as Puerto Rico and the Virgin Islands. Its international operations include affiliates in Panama, Guatemala and Columbia, and branch offices in Ecuador, El Salvador and Honduras.

  • Providing employers with financial solutions for their employees
  • Helping individuals secure financial futures
  • Delivering "peace of mind"

From financial services to financial performance

Pan-American is a strong, solid, and profitable company. With its high ratio of surplus assets and sound diversification of assets, Pan-American is financially stronger now than at any other time in its 91-year history.

  • $2.3 billion in assets
  • $286 million surplus (net worth)

But we know that history isn't enough. That is why we are committed to merging this history with a new vision for the future. We've moved from a financial services company to a personal and financial performance company - a company that understands that we must keep our word so you can keep yours. Every day. With every interaction. Our job doesn't stop with excellent financial performance.

AM Best Rating: A- (Excellent)

Assigned to companies that have, on balance, excellent financial strength, operating performance and market profile when compared to the standards established by the A.M. Best Company. These companies, in A.M. Best's opinion, have a strong ability to meet their ongoing obligations to policyholders.

Woodmen and Assurity's commitment is to protect the most valuable asset our policyowners have - their income. Our individual guaranteed renewable disability income product has made us a recognized leader in the middle income marketplace.



Pan American Income Protector Plus

Intended Markets
  • White collar executives, Business owners and Chiropractors
Occupational Classes
  • 4A, 3A
Issue Ages
  • 18-60 years (age nearest birthday)
Elimination Periods*
  • 30, 60, 90, 180, and 365 days (730 days is available but only for the 'to age 65' benefit period and all elimination periods may vary by state)
Maximum Issue Limits
  • $12,000 month
    • $10,000 maximum for medical professions
Benefit Periods
  • 1 year, 2 years, 5 years, to age 65
Renewability
  • Non-cancellable Guaranteed Renewable to age 65
Highlights*
  • Own Occupation and return of Premium available
  • Residual included in base policy; can be used to satisfy the elimination period
Optional Riders*
  • Social Insurance Rider
  • Return of Premium
  • Future Purchase Option
  • Cost of Living Rider
  • Hospital Benefit & Cash Value Rider

*Benefits and Riders may vary by state and occupation





Pan American Disability Income Protector

Intended Markets
  • White collar executives, Business owners and Chiropractors
Occupational Classes
  • 4A, 3A, 2A+
Issue Ages
  • 18-60 years (age nearest birthday)
Elimination Periods*
  • 30, 60, 90, 180, and 365 days (730 days is available but only for )
Maximum Issue Limits
  • $12,000 a month for 4A, 3A occupational classifications
  • $5,000 a month for 2A+
  • $10,000 maximum for medical professions
Benefit Periods
  • 1 year, 2 years, 5 years, to age 65
Renewability
  • Non-cancellable
  • Guaranteed Renewable to age 65
Highlights*
  • Own occupation and Return of Premium available
Optional Riders*
  • Social Insurance Rider
  • Future Purchase Option
  • Cost of Living Rider
  • Hospital Benefit & Cash Value Rider
  • * Riders are subject to occupational classification guidelines
*Benefits and Riders may vary by state and occupation











601 EAST LANCASTER AVENUE • DOWNINGTOWN, PA 19335 • 888-DI RATES (1-888-347-2837) • DBAAR@DLINSURANCE.COM