Pan-American Life Insurance Company Review

Is Pan American Life a good insurance company?
Written by Rene Todd Fields
Written by Rene Todd Fields

Environmental and natural resource advocate and business owner, Rene Todd Fields, has more than 10 years of experience working within both private and public sectors and enjoys helping individuals understand their options and make solid coverage decisions.


Pan-American Life Insurance Company at a Glance

  • Founded in 1911
  • Offers coverage to individuals and businesses
  • “A” (excellent) rating by AM Best
  • Offers multiple types of life insurance, health insurance, and financial services
  • Large network of independent insurance agents
  • Strong financial stability
  • One of the largest insurance companies across the globe

Pan-American Life pros: Established company with more than a 100 years worth of experience in the insurance industry. Provides a full range of life, health, and financial services. Offers great rates on individual and group life insurance.

Pan-American Life cons: Not BBB accredited or rated. Little information about their insurance coverage or discounts on their official website.

What Type of Insurance Does Pan-American Life Offer?

Pan-American Life is a specialty insurance company that accommodates both individuals and businesses and offers the following types of coverage.

Individuals and families

  • Life insurance
  • Accident insurance
  • Health insurance


  • Life insurance
  • Accident insurance
  • Health insurance
  • Pensions
  • Mass marketing
  • Credit life
  • Multinationals

For both businesses and individuals alike, Pan-American Life offers a range of insurance options. Whether you are in the market for life insurance, health insurance, accident insurance, financial services, or a combination, Pan-American Life might be the right insurance company for you.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about Pan-American Life

Pan-American Life was founded in 1911, making it a well-known insurance company with more than a 100 years worth of experience in offering quality insurance policies and financial services to businesses and individuals alike. Today, Pan-American Life is one of the largest insurance companies in the world.

Pan-American Life supporter companies offer stellar individual and group life, accident and health insurance, and financial services in 49 US states, the District of Columbia (DC), Puerto Rico, the US Virgin Islands, and all through Latin America and the Caribbean.

Pan-American Life’s established history has helped it to earn a reputation as a markedly stable company. The insurance company currently supplies coverage to millions of customers across 22 countries. Additionally, AM Best reports that the insurance company belongs to the $250 million to $500 million financial size category.

AM Best, the leading global credit rating agency monitoring the insurance industry, gives Pan-American Life an “A” rating, indicating the insurance company is a good choice for insurance customers. The “A” rating assures potential customers that Pan-American Life can offer guaranteed, secure coverage from a trustworthy and reputable insurance company. They give Protective Life an “A” rating, which indicates the insurance company is an excellent choice for insurance customers. The “A” rating ensures that the insurance company can offer prospective customers secure, guaranteed coverage from a reliable and highly regarded insurance company.

What Discounts Does Pan-American Life Offer?

Pan-American Life offers a number of competitive discount programs for their customers. However, they do not make this information readily available on their official website. A few generic discounts include the following.

  • Health discounts: Offered to customers who maintain a healthy lifestyle.
  • Drug benefits: Offered to current policyholders looking for prescription services.
  • Good student discount: Offered to customers who maintain a high grade point average in school.
  • Multi-policy discount: Offered to customers who have multiple policies with the same insurance company.
  • Mature homeowners discount: A discount offered to mature customers.

An independent insurance agent can help you find better discounts available through Pan-American Life, which can help you get the most bang for your buck.

Use our directory to find the best insurance companies to meet your needs. Locate companies that specialize in your specific coverage needs and get connected to an agent near you.


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Pan-American Life Customer Service

Pan-American Life allows customers to handle claims over the phone, through their website via a self-service portal, and via mobile app 24/7. Many customer service options are available through the official website as well, including payment options and policy information.

  • Customer service availability - Pan-American Life’s contact center for customer service has the following hour restrictions.

Hours (Central)

Monday-Friday 8am - 5pm

Saturday Closed

Sunday Closed

Pan-American Life sells insurance through a huge network of brokers, including independent insurance agents. Independent insurance agents are available to handle claims and other insurance matters for you, making customer service a breeze.

Pan-American Life FAQ

What is Pan-American Life's average claim response time frame?

Pan-American Life’s claims reporting hotline is available for customers in need via a toll-free phone number. Customers can also submit claims and file appropriate reports online through their official website, via mobile app, mail, or fax. The insurance company does not give an official claims response time frame promise anywhere on their website.

What is Pan-American Life's customer service availability?

Pan-American Life offers a toll-free phone line for prospective and current customers to get in touch with them at somewhat restricted hours, Monday through Friday, 8am – 5pm. However, the insurance company’s claims reporting department can be reached 24/7.

What is Pan-American Life's claims process?

Though customers can report claims via phone, Pan-American Life does not display any information on their claims process on their website. Pan-American Life customers can also check the status of their existing claims online at any time.

Does Pan-American Life have good personal and commercial insurance?

According to the numerous customer service reviews, Pan-American Life is popular within the Hispanic community. The reviews also indicate the insurance company is financially sound and able to provide quality insurance at low rates.

Is Pan-American Life a good company?

Pan-American Life is one of the largest Hispanic businesses in the US and insures over one million customers in 22 countries.

Does Pan-American Life's website create a user-friendly experience for customers?

Customers can file claims, check claim’s status, pay bills, and learn what types of coverage are available through their official website. However, the insurance company’s website is not the most insightful to look through. As far as social media is concerned, the insurance company does have a presence on Facebook, LinkedIn, and Twitter to make itself more available to customers.

Pan-American Life Customer Reviews
5 Stars
“All 3 of my vehicles are through Pan American.  They are the go between me and Progressive.   I have no problem with them.  They have assisted me.  :)” —Al O.
5 Stars
“Sandra's has been so caring and helpful for 19 years I feel very safe and secure with Pan American Insurance thank you for the wonderful safe road driving security.” —Hector R.
5 Stars
“Miss Connie Brown exemplifies customer service I have never been happier with my service with Pan American and Miss Brown you're looking for great affordable insurance please give them a visit ask for Connie I guarantee you will be more than satisfied.” —David A.
“Great insurance to have, just to get all the requirements for your car. But they will not answer the phone in case of an accident. The good part is that is cheap for collateral damage and take Mexican driver licenses.” —Alfredo O.
“This place is a broker for other insurance companies, like many others. They can try and get you good quote from various companies they work with. They are affordable for the most part. Depends on various factors that play into your overall quote and monthly rate though.” —Joe O.'s Final Review

4.5/5 stars

We award Pan-American Life a final rating of 4.4 out of 5 stars. The insurance company’s long-standing status plainly proves Pan-American Life’s respectability and resilience. Pan-American Life has a remarkably strong financial stability and offers reputable coverage to customers across the world. Though Pan-American Life has received high ratings through AM Best, they have not been accredited through the Better Business Bureau (BBB). There is not a claims response time frame promise or an outline of their claims process on their website at all. Their limited coverage information also prevents them from being one of our top picks. However, it is clear that millions of customers currently trust Pan-American Life to take care of their insurance coverage needs, which makes them worth taking into consideration.

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