FinancialSuccess

with Pan-American Assurance Company International, Inc.

PROTECTING YOUR WORLD

IS OUR LEGACY

A life insurance policy…Provides for your family• Maintain family income and lifestyle

• Pay off outstanding debt, mortgages and inheritance taxes

• Obtain liquidity through policy proceeds

• Fund education and other expenses

• Bene�t outside the purview of your country’s forced heirship laws

Creates and Accumulates Wealth• A policy creates a separate asset class and systematic investment vehicle

• Attractive rate of return with excellent guaranteed rates

• Cash value build up accessible for financial emergencies or opportunities

Preserves Wealth• Allows to transfer substantial assets between generations

• Capital to pay for death expenses and related probate/accounting/legal costs

Upon your death will your family have the liquidity to meet their needs?

Are there persons in your life who would be precluded from inheriting by your country’s forced heirship laws?

Are you considering moving from your current country?

Estate Planning Wealth Transfer Forced Heirship

Hav

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u be

en p

lann

ing

your

est

ate?

How does a retirement plan work?• Accumulate long term cash value

• Loans can be made annually when necessary with the death benefit remaining in force to protect your family

• Access to the cash value through partial surrenders of the policy

If you were to pass away before your retirement, your beneficiaries would receive the death benefit that would provide the income lost as a result of your premature death.

Have you planned for increased cost of living?Have you planned for the cost of medical care?Have you made arrangements for longer life expectancies?

Are

you

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ncia

lly re

ady

for r

etire

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Retirement Planning

Funding for EducationLife coverage can satisfy the funding needs for education upon premature death and serve a host of other �nancial needs. Parents will have an interest in shaping their children’s future by providing them with successful careers.

Life insurance assures you will have access to the cash value through partial surrenders of the policy to pay current education expenses. These loans or partial surrenders can be made annually when necessary with the death benefit remaining in force to protect your family. It can provide financial security throughout the life of the insured to insure that future educational needs are well funded or should premature death occurs.

Policies can be structured to provide benefits to individuals outside of the insured’s immediate or nuclear family.

Education Planning

Have you accounted for the rising costs of education?

Hav

e yo

u pl

anne

d fo

r you

r chi

ldre

n's e

duca

tion?

What is a Buy-Sell plan?A Buy-Sell plan is a formal agreement among business partners that permits the purchase of shares and transfer of business assets upon premature death of a business partner.

An insurance policy on the life of each partner would provide the protection they need until each partner retires or sells his share of the company.

The bene�ts of a Buy-Sell plan:• The plan formally stipulates how property and funds shall be managed and transferred after the death of a business partner

• Through the death benefit of the life insurance policy, the Buy-Sell plan provides cash funds in order to purchase the deceased partner’s shares

• The plan establishes a fair market value for all business assets and shares

Buy – Sell Agreement

What would happen if a business partner were to unexpectedly pass away?

What are the necessary steps to ensure that the business continues as usual?

Which of the surviving partners or heirs would assume the responsibilities or gain control of the business?

How would the co-owners obtain the necessary funds to purchase the deceased individual’s shares or interest in the event they want to retain full ownership?

Are

you

pro

tect

ing

your

bus

ines

s?

Coverage for Key PersonSuccess of a business typically depends on the abilities and direction of few key employees. The loss of a key employee can have a negative and serious impact on the gains and the operations of a business.

The Key Person insurance plan offers an effective way to protect against negative financial effects and provides clients and creditors with security concerning the future of the business upon premature death of a key person.

Bene�ts of the Key Person plan• Insures that funds are available to identify, hire and train a replacement of the key person

• As an indirect means to create a Deferred Compensation plan which can supplement the retirement income of the Key Person

• Accumulation of cash values which are assets of the business, improving the company's adequacy for credit

• Cash values accessible through policy loans that can be used to fund opportunities/emergencies

• Recovery of all premiums paid to fund the coverage

• A means to provide necessary funds to compensate the beneficiaries of the deceased Key Person

Key Person

Have you budgeted for additional costs to contract and train replacement?Have you considered a decrease of sales and production?What if your possibilities of obtaining credit for the business are being reduced?

Wha

t’s y

our p

lan

if yo

u lo

se a

key

exe

cutiv

e?

Enhance your �nancial success utilizing life insurance as an asset and a multifunctional investment tool.Life insurance combines multiple bene�ts:• Predictable value as the death benefit amount is known

• Market’s performance, the policy may be structured so that the death benefit is not affect by the market’s instability

• Liquidity as the death benefit is paid in cash

• Grows as the premiums paid can provide a competitive rate of return through life expectancy and may be used as a supplement to retirement income or for a wide range of other needs

• Easily divisible among beneficiaries

• Low-cost borrowing from the assets of the policy, frequently at below-market interest rates

• May be funded with capital earned from other invested assets in lieu of budgeted income

Asset Allocation

Are you protected against market volatility?

Are

your

ass

ets p

rope

rly d

iver

si�e

d?

Protecting Your World is Our Legacy

Pan-American Assurance Company International, Inc. offers products that will allow you to create, accumulate, and preserve wealth:

Pan-American NexGen ULA universal life product that offers five new features that make this product unique. This plan can be purchased up to age 90 with a maturity age of 120.Pan-American Legacy ValueA universal life product that emphasizes on accumulation and combines basic coverage with long term savings.Pan-American Tradition PlusA universal life product that emphasizes low cost with leveled minimum premium guaranteed for 20 years.Term Life: 20, 30 and to age100 YearsTerm life insurance policies that guarantee level premiums.Critical Illness RiderThis Rider provides immediate cash payments upon a client being diagnosed with specific health issues.

The

Pan-

Am

eric

an S

olut

ion

Pan-American Assurance Company International, Inc. provides sound �nancial solutions to high net worth foreign nationals.With Pan-American Life Insurance Group’s guarantee, Pan-American Assurance Company International, Inc. o�ers:

• 100 Years of Experience in Latin America, the Caribbean and the United States

• Financial strength, Pan-American Life Insurance Company has been rated by the industry:

• “A” (Excellent) from A.M. Best: assigned to companies that demonstrate excellent financial strength, operating performance and market profile

• “A” (Stable) from Fitch Ratings: given to companies with strong capacity to meet policyholder and contractual obligations

• Dedicated to foreign national market

The contents of this material should not be construed as legal or tax advice from Pan-American Assurance Company, International, Inc. For your own situation, please consult with your legal or tax advisors.

Protect your world with the leading insurance company that offers

international products to maximize and enhance the �nancial success of

foreign national clients.

panamericanlife.com