Health Insurance

 Group Health
BF&M's Health Insurance Plans provide unique health coverage and a wide variety of options to give employees freedom of choice while controlling costs. Companies can also work with BF&M to develop an employee-based wellness program tailored to your needs. For more information, call 441-295-5566
Individual Health
BF&M's Individual Health Plan, SmartCare, provides health coverage and a wide variety of options. For more information, please call 441-295-5566
 Information about electronic reimbursement for your Health Insurance Claims

Home & Motor

 Home Insurance
BF&M is Bermuda's leading home insurer. BF&M's Home Insurance can make sure you are protected - from building and contents to mortgage protection that provides benefits in case of disability or death. Still renting? BF&M offers contents-only cover that includes everything from possessions to tenant liability. If you own a house but rent it, the policy will cover the loss of rent after an insured loss. To learn more call 441-295-5566
Motor Insurance (Cars & Bikes)
We insure cars, bikes and any other form of road transportation that you may own. Our policies range from comprehensive to third party - the choice is yours. For more information, please call 441-295-5566
Personal Effects Insurance
Add this cover to your Home Policy to take out a separate policy to insure items such as jewelry, camera equipment, computers and other valuables. This cover can be extended to include worldwide protection. For more information, please call 441-295-5566

Marine & Travel

 Marine Insurance
BF&M is Bermuda's leading marine insurer and can offer you a marine policy designed to meet your boating needs. Our policy is the result of years of experience in insuring all types of watercrafts. Premium credits are given when your vessel is out of the water for eight consecutive weeks or more, but you still enjoy fire and theft cover. For more information, please call 441-295-5566
Travel Insurance
Travel insurance takes the worry out of your vacation. An affordable package is available to insure against most problems that can arise when you are on vacation. To learn more about the BF&M Travel Policy, please call 441-295-5566

Term & Whole Life

 Term Life Insurance
Term Life Insurance is the simplest form of life insurance. It provides protection for a specific period of time at an affordable price. For more information, please call 441-295-5566
Universal Insurance
Universal Life Insurance (UL) is a flexible premium insurance contract with investment opportunities. It offers a dynamic combination of permanent life insurance and a highly flexible savings component. It provides you with a custom designed insurance coverage to fit your lifestyle, budget and savings objectives. For more information, please call 441-295-5566
Whole Life Insurance
Whole Life Insurance is a form of permanent life insurance that provides guaranteed premiums, death benefits and cash values. It is designed to be a long-term solution to providing insurance coverage for your entire life. Whole Life Insurance also offers a dividend option that can increase the values of the policy when the insured is living or increase the death benefit for your beneficiaries. For more information, please call 441-295-5566
Guaranteed Secure Life
If you are a Bermuda resident between the ages of 45 and 85, you may think insurance is too expensive or too much hassle for you. But now thanks to BF&M's Guaranteed Secure Life, you can purchase a policy with guaranteed coverage amounts of $10,000 to $25,000 with a payment plan that's right for you.

  • Simple to apply for
  • No medical exam required

  • Your protection begins on the date you confirm your eligibility by signing the application and paying your first premium.

    You need only confirm one simple statement to qualify

    Pension & Savings

     Pension Plans
    BF&M offers businesses a wide variety of pension options and professional investment advice to help employees achieve a financially secure future. For more information, please call 441-295-5566 or click on the pdfs and links below.
  • Retirement

  • Annuities

  • Frequently Asked Questions (FAQ's)

  • Pension Plans and Services provided by BF&M Life

  • Link to Pension Commission Website:

  • Summary of National Pension Scheme (Occupational Pension) ACT, 1999

  • Golden Accumulator Fund Fact Sheets

  • Guide to Accessing Your Pension or Savings Account Online

    Supplemental Savings Plan
    Sometimes an employer's pension plan is not enough to save for retirement. BF&M can help you design a supplemental savings plan for employees through payroll deduction, providing members with an additional method to achieve their retirement investment goals. For more information, please call 441-295-5566 or click on the pdf below.
  • Flex Account

  • Individual/Educational Savings Account
    Educational Savings Plan
    A BF&M Education Savings Policy is where dreams begin to become achievable. The plan gives you both reliable yields and peace of mind knowing you are saving for your child's education. For more information, please call 441-295-5566

     Remember my password
              Forgot password?
              New user?

    . .