A pesar del dictamen, la suma asegurada no cambia.

A pesar de is a fixed expression meaning despite or in spite of. Grammatically, it works like a preposition.

In this sentence, it is followed by el dictamen, so:

• a pesar de + el dictamen → a pesar del dictamen

That happens because de + el = del.

So:

• de el is normally incorrect in Spanish
• you usually contract it to del

A similar example:

• a pesar del problema = despite the problem

One important exception: if El is part of a proper name, you do not contract it, as in de El Salvador.

The comma separates the introductory phrase A pesar del dictamen from the main clause la suma asegurada no cambia.

This is similar to English punctuation in sentences like:

• Despite the report, the insured amount does not change.

In Spanish, this comma is very natural and helps readability, especially when the sentence begins with a longer introductory phrase. You may sometimes see similar phrases without a comma in shorter or more informal writing, but here the comma is standard and clear.

Dictamen usually means a formal opinion, finding, report, or expert ruling, depending on context.

It is more formal and technical than the everyday English word opinion. In legal, medical, administrative, or insurance contexts, dictamen often refers to an official assessment made by an expert or authority.

Possible translations depending on context include:

• report
• ruling
• finding
• expert opinion
• assessment

So it is not usually just a casual personal opinion.

La suma asegurada is a set phrase used in insurance. It refers to the insured amount or sum insured.

Breakdown:

• suma = sum / amount
• asegurada = insured

Here, asegurada is an adjective describing suma. It agrees with suma, which is feminine singular, so we get:

• suma → feminine singular
• asegurada → feminine singular

This is a technical term, so learners should treat it as a chunk of vocabulary rather than translating each word too literally every time.

Because asegurada agrees with suma, and suma is a feminine noun.

In Spanish, adjectives usually agree in gender and number with the noun they describe:

• el monto asegurado = the insured amount
• la suma asegurada = the insured sum

So the ending changes because the noun changes:

• masculine singular → asegurado
• feminine singular → asegurada

No cambia is the most natural way to say does not change here.

This sentence treats la suma asegurada as the subject of the verb:

• La suma asegurada = subject
• no cambia = does not change

So the structure is straightforward:

• The insured amount does not change

Other forms would mean something slightly different or sound less natural here:

• no es cambiada = is not changed
  This is a passive construction and sounds much less natural in everyday Spanish.
• no se cambia = is not changed / does not get changed
  This can be natural in some contexts, but it shifts the focus to an action done by someone rather than simply stating that the amount remains the same.

So no cambia is the cleanest and most idiomatic option.

Spanish often uses the present tense to state a current fact, policy, or result.

Here, no cambia means:

• it does not change
• it remains unchanged

This is not necessarily about a repeated action in the everyday sense. It can also express a present status after considering the report or ruling.

In formal or administrative language, the present tense is very common for stating outcomes:

• La cobertura no aplica.
• El monto no varía.
• La suma asegurada no cambia.

All of these sound like official statements of fact.

Both word orders are possible, but la suma asegurada no cambia is the more neutral and standard order.

Spanish normally prefers:

• subject + no + verb

So:

• La suma asegurada no cambia

If you say:

• No cambia la suma asegurada

that can sound more marked or stylistic, often with extra emphasis on the verb or in a context where the subject comes later. It is not wrong, but it is less neutral as a basic statement.

It can be followed by either a noun phrase or que + clause.

In your sentence, it is followed by a noun phrase:

• a pesar del dictamen

But you can also say:

• A pesar de tener un dictamen favorable...
  = Despite having a favorable ruling...
• A pesar de que hay un dictamen...
  = Even though there is a ruling...

A useful distinction:

• a pesar de + noun / infinitive
• a pesar de que + conjugated verb

Examples:

• A pesar del informe...
• A pesar de haber revisado el caso...
• A pesar de que revisaron el caso...

Yes, dictamen is masculine: el dictamen.

You can tell because the sentence has del, which comes from:

• de + el = del

So if the noun were feminine, you would not see del. You would have:

• de la resolución
• de la opinión

Many nouns ending in -men are masculine in Spanish, such as:

• el examen
• el resumen
• el dictamen

Yes. In formal, legal, or insurance language, cambiar can imply several closely related ideas:

• to change
• to be modified
• to vary
• to be altered

In this sentence, the idea is that the insured amount remains the same and is not being adjusted. Depending on the tone of the translation, English might use:

• does not change
• remains unchanged
• is not modified

All of those fit the Spanish well in this kind of context.