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* Pan­tae­nius Amer­ica Ltd. is a li­censed in­sur­ance agent li­censed in all 50 states. It is an in­de­pen­dent cor­po­ra­tion in­cor­po­rated un­der the laws of New York and is a sep­a­rate and dis­tinct en­tity from any en­tity of the Pan­tae­nius Group.

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