Intercam Seguros y Fianzas

Broking of insurance and surety programs requires the Best business practices, as well as operational standards and a Deep market knowledge with the sole purpose of achieving the Best terms, conditions and coverages at the lowest possible cost.

At Intercam Seguros y Fianzas we provide actuarial calculations and design of contribution benefits and rules for Private Pension Funds and financially sound institutions with fiduciary expertise.


At Intercam Actuarial Services, we specialize in providing comprehensive and customized solutions for the valuation of labor liabilities under  the Accepted Accounting Principles, such as the Mexican Financial Reporting Standard NIF D-3, ASC 712 and 715 under US Generally Accepted Accounting Principles (USGAAP), and IFRS – IAS 19 under International Standards. Our expertise and knowledge enable us to deliver detailed and accurate reports that comply with the highest accounting and financial standards, ensuring transparency and reliability in the management of labor liabilities.

Also, we specialize in the design, implementation, communication and financial competitiveness of retirement plans for employees of national and multinational companies. We understand the importance of developing a competitive structure of retirement plans with the most efficient  financial viability but also offering attractive and sustainable benefits for employees. We work closely with our clients to develop strategies that align with their corporate objectives and the needs of their talent, ensuring efficient and effective retirement planning.

We have extensive experience in Social Security analysis as well as financial impact in the short, medium, and long term of major Labor Reforms affecting workers in Mexico, including subcontracting, pension reform, and vacation reform. We assess how these legal changes impact cost structures and labor obligations of companies, providing recommendations based on thorough actuarial and financial analysis. With our support, companies can make informed and strategic decisions to adapt to an ever-evolving regulatory environment.

Contact info

Juan Carlos Lugo

+52 55 2109 4047

Lago Zurich No. 219, Piso 3

Col. Ampliación Granada

11520, Miguel Hidalgo

Ciudad de México