Welcome to Kevin Bradley - Insurance in Panama
Monday, May 30 2016 @ 10:28 AM EDT

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Contact Info for Carmen, Kathia and Kevin

About UsKevin and the English speaking team are service representatives of the Ducruet Insurance Agency. If you need coverage for a Corporation or as an Individual, Kevin, Carmen, Celeste and Kathia are standing by to help with all your Panama insurance needs

Our location (DUCRUET) is in San Fransisco, near the end of Calle 50, turn left just BEFORE the light at Via Porras on calle 77E, shares corner with the Deli Gourmet, directly across from BANISTMO.

Here's a map to our office:

http://www.panama-guide.com/article.php/20070807110352369

To serve you better, our telephone numbers listed below are DIRECT lines. If we do not answer, we are away from the desk or if the call goes to voice mail, we may be talking on the line - leave a message or try again later.

Our contact info is:

* Kevin = kevin@ducruet.com 6674-1063 cel. 322-1603 direct
* Carmen = New Policies/quotes (Speaks/Writes perfect English) maria.dunkley@unityducruet.com 6613-1063 cel. 322-1605 direct
* Jerry = Renewals Payments (Speaks English) jerry.maxwell@unityducruet.com 322-1612



Kevin - Skpe name: kbradley23

IMPORTANT NOTE: When writing to us remember, It's ducr"U"et don't forget the second "u" in your emails!
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Panama Comprehensive Office Insurance

Fire InsurancePanama offices include a wide range of businesses, from Financial Consulting, Legal, Real Estate and Accounting firms to personal Private offices. Whatever the industry, they all have one thing in common—the need for commercial office space insurance. Panama Comprehensive Panama office insurance protects you from the unexpected events that happen in and around your office every day.

Property coverage protects your business and office equipment from loss due to fire, theft, explosion, earthquake, water damage, smoke and even looting/civil unrest.. Additional risks covered include electronic equipment (in or out of the office), breakage of glass and damage/loss to property belonging to third parties. There are even provisions for temporary relocation and business interruption expenses.


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Panama Fire and Homeowners residential coverage!

Fire InsuranceDid you know that insuring your Panama property investments is one of the best bargains available?

Here in Panama, we insure building (structure) and the contents under separate policies at very reasonable rates.

The Ducruet fire insurance structure policy includes coverage for fire, explosion, earthquake, windstorm, flood and common water damages/filtration/leaks (this coverage is required for every mortgage issued from a Panama bank).

The Ducruet Homeowner's multi risk "Contents" package includes Fire coverage described above, as well as,Theft and Personal/General fire legal liability.

Theft coverage is for break in with forced entry, as well as, assault inside and outside the residence. The damage caused to the structure in case of break-in with forced entry is covered under this theft provision. Theft and damage to Electronic Equipment is also part of the package.

Liability coverage extends to damage you may cause to your neighbors property from a fire or water leak initiating in your residence. If a third party is injured on your premises, there is Medical payments coverage and legal assistance.

This multi risk residential Homeowners package has added benefits including reimbursement for stolen credit cards, locksmith service, plumbing and electrical services in case of a domestic emergency. Some packages include ambulance service, free medical consultation and coverage for PETS.

How Much?

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AIG and ASSA!

General Panama InfoThe insurance company ASSA announced Thursday the signing of an agreement to acquire 100 percent of the operations of American International Group (AIG) in Guatemala, Honduras, El Salvador and Panama.

The deal must be approved by regulators in each country. During the closing of the transaction, ASSA and AIG will continue to operate normally.

At present, ASSA has a presence in Panama, Nicaragua, El Salvador and Costa Rica. The deal will allow the company to enter the markets of Guatemala and Honduras.

“ASSA is advancing toward its goal of being the leading insurer in Central America,” said Executive Chairman Eduardo Fábrega.
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Panama Life Ins. rates!

Life InsuranceHere is an example of Life rates for term insurance in Panama. Yes, they may be higher than you can get online or in the USA, but the benefits will be payable in Panama with less hassle than going back to the country where the policy was issued to collect. The proceeds from a local policy may be available in a few days.

Here are TENTATIVE Annual Non-Smoking rates for healthy applicants:

Male age 50 $25,000 NS 20 yr. term $124.25 $10.80 + 5% tax

Male age 55 $25,000 NS 20 yr. term $188.25 $16.24 + 5% tax

Male age 60 $25,000 NS 20 yr. term $286.50 $24.59 + 5% tax

Male age 65 $25,000 NS 20 yr. term $433.50 $37.08 + 5% tax


Male age 50 $50,000 NS 20 yr. term $225.29 annual

Male age 55 $50,000 NS 20 yr. term $361.64 annual

Male age 60 $50,000 NS 20 yr. term $579.37 annual

Male age 65 $50,000 NS 20 yr. term $935.80 annual

Carmen and I are standing by to help with quotes. 322-1605 or 6674-1063 or email: cdunkley@ducruet.com

Info needed, sex, date of birth $$$ amount, number of years and if you smoke?


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Panama Health Insurance

Health InsuranceAccidental Injury or illness in a country far from home can be a very scary experience. If you are without proper health insurance or cannot demonstrate ability to pay at a local hospital, it can mean the difference between life and death. Imagine lying on a stretcher in the hallway, waiting for treatment, while proof of liquidity is confirmed.....many Expats have paid the ultimate price! Excellent Health Insurance coverage is available to protect you in the Republic of Panama.

High quality hospitals, physicians and medical facilities are available in Panama. Most doctors have been trained in the USA, Canada or Europe and speak English. Be Prepared! Private hospitals and medical professionals expect to be paid and will require some guarantee of payment before treatment. It is not uncommon for medical care to be denied by private hospitals. Without financial resources (cash/credit cards) or proper health insurance coverage, you may find yourself transferred from their hospital to a Panama government facility. The public hospitals are adequate, but Panamanian citizens will have priority over your treatment.

If you have an existing "Home of Origin" health insurance, some of these carriers from the USA, Canada and Europe MAY provide coverage for emergencies while traveling.

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Is a Panama "Waterspout" covered?

Fire InsuranceWith the occurrence of a large "Waterspout" in the vicinity of Punta Paitilla/Pacifica on Christmas Day several years ago, I was asked to express an opinion about the coverage available in the average Panama Fire policy.

If your policy has "extended coverage", the "windstorm" optional risk should pay for damages caused by wind (vendaval), Hurricane (Huracan), Tornado, or Waterspout (Tromba Marina). Driving down Via Brazil that afternoon, I couldn't believe my eyes as I witnessed the"monster" move near Paitilla, see the collection of pics below taken by Mike Horrell.

Here are some pics of that incident:

https://www.flickr.com/photos/45542507@N04/sets/72157650073953654/

For all coverage to protect your property call Carmen 322-1605 cdunkley@ducruet.com or call Kevin 6674-1063
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Are you driving illegally in Panama? Do you lend your vehicle to friends or family?

Automobile InsuranceSeveral insurance clients have communicated to me that the Panama Transito police have stopped them for an infraction or at one of the frequent roadblocks and asked them to provide various documents. In some cases, such as failure to produce a "valid" drivers license, the vehicle was impounded!

Are you driving with a "valid drivers license?

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Panama Burial at Sea!

General Panama InfoThis is an article written by Larry Shane, Acting Bocas Warden for the US Embassy in Panama:

You will die. Unfortunately, all of us, presently, do. You should choose the final arrangements for your body, in advance. This is not a burden you should leave to others to decide and handle for you. You likely have personal, religious, cultural, environmental, legal concerns regarding your disposal. Follow your concerns.

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Auto Accident in Panama?

Automobile InsuranceStanding in the middle of the road under the blazing sun or in pouring rain, horns beeping, traffic backing up.......all because you have just had a collision on the streets of Panama! BE PREPARED!

Here the basic procedures to follow after an automobile accident in the Republic of Panama. Based on my experience, interviews with Transito Police and Insurance Company Claims Adjusters, I would like to pass on the following suggestions.

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