TRENGTH. Your PEACE. palig.com

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1 UR TRENGTH Your PEACE of MIND palig.com

2 for A Company The Americas

3 PALIG TODAY

4 FROM STRENGTH to STRENGTH In 1911 Pan-American Life s founders set out to build a company for the Americas. They envisioned an organization, driven by an unwavering commitment to service, that would provide best in class insurance solutions and trusted financial security. More than 100 years later, the power of that vision continues to propel Pan-American Life Insurance Group forward, from strength to strength. The company has combined a strategic focus on its core lines of business with a unique geographic footprint, sound investment strategies and disciplined risk management, to achieve the financial strength needed to deliver peace of mind to millions of customers. The steady stewardship of an internationally experienced management team, led by José S. Suquet, the Group s Chairman of the Board, President and CEO, allows Pan-American Life to blend its tradition of fiduciary responsibility with the ability to develop innovative solutions in response to changing markets.

5 Building A Legacy of FINANCIAL STRENGTH

6 PARTNERSHIP AND PEACE OF MIND Individual Life & Health Personal Accident International Major Medical Multinational Solutions Mass Marketing For more than 100 years Pan-American Life has helped its clients across Latin America, the United States and the Caribbean, protect what matters most to them their families, their businesses, and their futures.

7 Individual Solutions ACCIDENT Accidents can happen at any time no matter where you are and a critical illness diagnosis can happen when you least expect it. To safeguard your financial security against those unforeseen circumstances, Pan-American Life has developed customizable personal accident products with a wide range of benefits that take effect in the event of injuries, disability or death due to an accident or critical illness. LIFE Pan-American Life s individual life solutions include universal life plans that are flexible, easy to understand and competitively priced as well as Whole and Term Life policies that have level, affordable premiums. These products are designed to meet retirement planning, education funding, wealth transfer, key person coverage, death benefit coverage and estate planning needs. HEALTH Pan-American Life s individual health products are designed to offer the best coverage for your unique health insurance needs on a local or international scale. We offer global access to the highest quality medical services thanks to an extensive network of top rated providers and a diverse team of experts dedicated to delivering personalized service.

8 Corporate Solutions U.S. Benefits Pan-American Life s U.S. Benefits division helps employers in the United States respond to the pressures of rising health insurance costs in compliance with the Affordable Care Act (ACA). We offer innovative solutions that combine limited benefit indemnities with medical stop loss products at affordable rates for both employer and employees. With services in English and Spanish that serve the needs of the Hispanic niche market, Pan-American Life delivers a superior employee benefits experience. U.S. Accident Through its U.S. Accident division, Pan-American Life provides accident products that help businesses protect themselves and their employees from unexpected expenses related to accidents, whether they are simple injuries, business travel accidents, personal travel accidents or trucking occupational accidents. The Group offers, among other solutions, Occupational Accident coverage for Texas companies that opt out of Workers Coverage; Major Medical Stop Loss solutions that allow companies to self-insure their medical risk and be protected above a certain level of claims; and Executive Reimbursement coverage for deductibles and co-pays, an attractive benefit that can be offered to key executives.

9 International Group Pan-American Life provides clients across Latin America and the Caribbean with its high level expertise in employee benefits, offering best in class group life, accident, health and pension solutions that are easily customized to the needs of small businesses, medium sized companies or large corporations. Multinational Solutions In an increasingly globalized world, many multinational companies are working to regionalize their operations thus creating a highly mobile workforce and a need to replicate global insurance programs on a local basis. Pan-American Life is ideally placed to meet these needs thanks to its unique geographic footprint, access to international Pooling and Captives programs, and experienced team of international program management professionals.

10 PALIGMED To better serve its policyholders Pan-American Life established PALIGMED, a proprietary and comprehensive full service medical and provider network that gives its members access to the best hospitals, diagnostic services and high level medical care available in Latin America and the Caribbean. Mass Marketing Pan-American Life Insurance Group offers a wide array of products which can be mass marketed by financial institutions, micro-finance providers, retailers, and others looking to provide protection to their clients. These products include Credit Life as well as affordable life, accident and health solutions that can be tailored to the needs of both the sponsors and their clients.

11 Mission To meet the life, accident and health insurance needs of individuals and businesses in the Americas to ensure financial security and peace of mind. Vision To build on the company s 100-year heritage of financial strength, commitment and trusted financial security, and to improve our policyholders sense of wellbeing, while becoming the leading insurance carrier in the Americas. Service Commitment To deliver world class service that is guided by our dedication to integrity and ethical business practices as well as our belief that excellent service is the cornerstone of the partnership and trust that we build with our clients.

12 Connect with us palig.com Disclaimer message: Pan-American Life Insurance Group operates through affiliates and subsidiaries in 22 countries across the Americas. Each affiliate/ subsidiary is a separate legal entity, responsible only for its own financial and contractual obligations. All products and services are sold and underwritten by the relevant legal entity or entities licensed to operate in each jurisdiction. Product availability varies by country and/or state. For a list of products and services by jurisdiction visit palig.com 2016, Pan-American Life Insurance Group