Start here
Self-check + quick triage
Free
No commitment
- 5-minute checklist
- 15-minute call
- No documents or account numbers
Independent second opinion · We don't sell policies
For those with a US life insurance policy paid with a loan: let's review the numbers before more money goes in.
Independent audits of premium-financed IUL/UL policies sold in the United States to Latin American families. A clear second opinion, in writing, signed by Pedro Martin. We don't sell policies.
- Report signed by Pedro Martin
- Written, in Spanish or English
- Flat fee, no commissions
- From Panama, for all of Latin America, Mexico included
Who it's for
For Latin American families with a USD policy nobody explains anymore
Latin American families and business owners who signed a policy during a US trip (Texas, Florida, California or another state).
Policies funded by a private bank or specialty lender, often with investments or property pledged.
USD IUL owners with policy loans that grow every year.
Attorneys, accountants and bankers who want an independent review for a client.
Warning signs · Free self-check
Check what sounds familiar. Three or more is worth a review.
It takes about 5 minutes. You don't need to send us anything.
Check the signs that apply to you.
Write down your six numbers
With these we can orient you in the free 15-minute triage call. No documents or account numbers.
- Loan balance
- Current rate (fixed or floating)
- Cash surrender value (not just "account value")
- Extra collateral requested
- Annual premium the loan covers
- Death benefit
Three or more checks? Message us to book the free triage call. Go to contact
How it works
Three steps, no pressure
You decide at every step whether to continue.
- 1
Quick triage
You share six numbers (no documents or account numbers). We tell you where you seem to stand and which documents to gather.
- 2
Express Audit
We sign an engagement letter with a flat fee. You upload your documents to a secure portal and within 10 business days receive a written report: loan vs. surrender value vs. collateral, stress tests and an options map.
- 3
Results call
We explain what your report means and which questions to ask the carrier, the lender or your attorney.
The audit report
What your report includes
Spanish by default, with an English copy available for your attorney or lender. Every report is signed by Pedro Martin.
- 1-page summary: traffic light, the three key numbers and the next critical date (collateral review, loan renewal or premium due).
- Structure map: owner (person, trust or company), policy, lender, collateral and guarantees.
- The gap: loan balance vs. cash surrender value vs. required collateral under the lender's formula.
- Stress tests: base case, loan rate +2%, 0% credits for 3 and 5 years, and combined.
- Original illustration vs. reality: sales assumptions vs. credited history, caps, charges and loan rate.
- Cumulative cost: premiums, interest, charges and surrender charges.
- Options map: hold, restructure, reduce, orderly exit, or take the facts to a US attorney.
- Sale timeline: documented facts only (where and when each step happened).
- Ready-to-send questions for your carrier and lender, in English.
- Independence statement: no commissions from anyone, signed.
What we DON'T do
Sell insurance or loans; promise loan forgiveness; give legal opinions; criticize individuals. We analyze documents, not people.
Founder pricing · introductory
Express Audit: founder offer for the first 10 clients
Introductory launch prices. After the first 10 clients, list prices apply.
Introductory price
Policy without a bank loan
With or without policy loans
US$2,000
Flat fee in US dollars (USD)
- Written report signed by Pedro Martin
- Stress tests and options map
- 60-minute results call
- Delivered within 10 business days of receiving documents
Introductory price
Policy financed by a bank or lender
IUL/UL with a loan paying the premiums
US$4,000
Flat fee in US dollars (USD)
- Everything above, plus:
- Loan and collateral-formula review
- Scenarios: rate +2% and 0% credits for 3 and 5 years
- Ready questions for the carrier and the lender
Payment: 50% upfront, 50% on delivery of the report.
Flat fee in writing in an engagement letter. No commissions from anyone.
Prices and invoicing in US dollars (USD) for clients in any country. Mexico reference only: approx. MXN $37,000 and MXN $74,000 (reference rate: 18.5 MXN per USD); payment is in USD. Introductory prices subject to change.
Not legal or tax advice. No outcome is guaranteed. See disclaimers.
About
An independent second opinion, in your language
Dictamen de Póliza is a service of Grupo Santa Fe, a company based in Panama, providing independent reviews of US-issued, loan-funded life policies held by clients across Latin America. It was born from something we see more and more: families from Mexico, Central America, the Caribbean and South America with USD policies, documents in English, and collateral calls nobody explains.
Who signs your report: Pedro Martin C.
For more than thirty years I have seen the real benefits of PPLI and life insurance for estate planning for ultra-high-net-worth families in Latin America.
Premium financing is often the most practical way to buy this kind of coverage. The problem is that the sales process is too often tilted toward the salesperson's commission, not the client. That makes it hard for the owner to know where they stand.
We give you a clear, independent assessment of your policy, for a flat fee, so you can decide whether to keep it, change it, or cancel it.
- Background
- Over 30 years working with life insurance and PPLI for estate planning for high-net-worth clients in Latin America. Registered insurance broker: LILA, Ltd. (Bermuda), BMA Reg. No. 34780 (since 2005).
- License
- Registered insurance broker with the Bermuda Monetary Authority · LILA, Ltd. · Reg. No. 34780 (effective 1 September 2005).
- Company
- Grupo Santa Fe, Panama
Pedro personally signs every audit.
— Pedro Martin C., Grupo Santa Fe
Independence pledge
No commissions. We work only for you.
We don't sell policies or loans. We take no commissions from carriers, agents or lenders. We charge a flat, transparent fee agreed in writing, and we work only for you.
- No commissions or referral compensation from carriers, agents or lenders on any case we audit.
- Flat fee in writing, before we start.
- Plain language, no alarmism.
- We analyze documents, not people.
- Confidentiality and a secure portal for your documents.
This pledge is included in writing in every engagement letter.
FAQ
What people ask us most
Are you going to sell me another policy?
No. We don't sell policies or loans and we receive no commissions from carriers, agents or lenders. We only charge a flat fee, in writing.
Do I need to send all my documents to start?
No. Start with six numbers in the free quick triage. If you decide to go ahead, documents are uploaded to a secure portal, never over WhatsApp or email.
Can you tell me whether I have a legal case?
No. We don't give legal opinions. We organize the facts, numbers and timeline so a licensed US attorney can evaluate them.
How long does the Express Audit take?
10 business days from when we receive your documents, followed by a 60-minute results call.
Do you guarantee I'll pay less or recover money?
No. We give you a clear analysis and an options map; the decisions are yours. Results depend on your documents and on carrier and lender data.
How do I pay?
A flat fee agreed in writing: 50% upfront, 50% on delivery. Invoiced in US dollars (USD). Payment methods are listed in the engagement letter.
Do you work with clients outside Mexico?
Yes. We serve clients across Latin America from Panama, Mexico included. The service is remote: calls, email and a secure portal for documents. Reports are delivered in Spanish, with an English copy available.
What happens to my information?
We keep it confidential and ask only for what's needed. Documents are received only through a secure portal. See the Privacy Notice.
Contact
Request your Express Audit
Tell us the basics and we'll reply within 1 business day to book your free quick triage.
Don't send documents, account numbers or passwords over WhatsApp, email or this form. If we move forward, we'll share a secure portal.