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http://www.panamalawyermayralamboglia.com/
there are 15 different visa programs. the retiree or pensionado visa is popular but a better visa now is the friendly nation visa which allow you have a business or work in Panama AND you can get a Panama passport after 5 years.
also, if you qualify by age, 55 for women and 60 for men, you still get all the pensionado discounts regardless of which visa you get, these include:
50% off entertainment anywhere in the country (movies, theaters, concerts, sporting events)
30% off bus, boat, and train fares
25% off airline tickets … even international flights
25% off monthly energy bills
30% to 50% off hotel stays
15% off hospital bills
and many other perks
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