Carrier Overview
Pan American Life Insurance Group (PALIG) is one of the leading providers of life and health insurance across Latin America and the Caribbean. Founded in 1911 and headquartered in New Orleans, Louisiana, PALIG has over a century of experience serving individuals, families, and businesses across more than 49 countries and territories.
In Sint Maarten, PALIG products are distributed through licensed brokers like Compass Insurances. PALIG is particularly well-regarded for its international medical insurance plans, which are designed for the mobile, cross-border lifestyle common in the Caribbean.
Official Website
www.palig.comProducts Available Through Compass
Through our partnership with PALIG, Compass Insurances can help you access the following product lines in Sint Maarten:
Term Life Insurance
Affordable coverage for a defined period — ideal for income replacement, mortgage protection, or covering specific financial obligations.
Whole Life Insurance
Permanent life coverage with a cash value component that grows over time, providing both protection and a savings element.
International Medical Insurance
Comprehensive health coverage designed for individuals and families who need access to medical care across borders — particularly relevant for Sint Maarten's international community.
Group Life & Health Plans
Employer-sponsored group plans covering life insurance and health benefits for employees — a key tool for attracting and retaining talent.
Accidental Death & Dismemberment (AD&D)
Supplemental coverage that pays a benefit in the event of accidental death or serious injury resulting in dismemberment.
Coverage Strengths
- ✓Over 110 years of financial stability and claims-paying history
- ✓Strong international medical coverage suited to Sint Maarten's cross-border healthcare needs
- ✓USD-denominated policies aligned with Sint Maarten's economy
- ✓Broad geographic coverage across the Americas and Caribbean
- ✓Flexible group plan structures for businesses of all sizes
- ✓Established claims infrastructure with regional support
Claims Guidance
When you need to make a claim on a PALIG policy, Compass Insurances is here to guide you through the process. Here is what to expect:
- Notify Compass immediately — Contact our office as soon as possible after an incident. We will advise you on the next steps and the documentation required.
- Gather supporting documents — For life claims: death certificate, policy documents, and beneficiary identification. For health claims: medical reports, invoices, and receipts.
- Submit the claim form — Compass will help you complete and submit the PALIG claim form accurately to avoid delays.
- PALIG reviews the claim — PALIG's claims team will assess the submission. Compass will follow up on your behalf and keep you informed.
- Settlement — Once approved, PALIG will process the payment to the designated beneficiary or reimburse eligible medical expenses.
Important: Always notify Compass before seeking non-emergency medical treatment abroad if you hold an international medical plan. Pre-authorisation may be required for certain procedures.
Frequently Asked Questions
Is PALIG licensed to operate in Sint Maarten?
Yes. PALIG operates across Latin America and the Caribbean, including Sint Maarten, through licensed local brokers such as Compass Insurances.
Can I use my PALIG health plan outside Sint Maarten?
PALIG's international medical plans are designed for cross-border use. Coverage details depend on your specific plan — speak with a Compass advisor to confirm your plan's geographic scope.
How do I file a claim with PALIG?
Claims are typically submitted through your broker. Compass Insurances will assist you in gathering the required documentation and submitting your claim to PALIG on your behalf.
Does PALIG offer group health insurance for businesses?
Yes. PALIG offers group health and life plans for employers. Compass can help you design a benefits package that fits your workforce and budget.
What currencies does PALIG use for policies in Sint Maarten?
PALIG policies in Sint Maarten are typically denominated in US Dollars (USD), which is the primary currency used on the island.
Interested in a PALIG product?
Contact Compass Insurances to discuss your options. We will compare PALIG products alongside other carriers to ensure you get the best fit for your needs.