We're operating with your safety in mind. 
New hours and safety measures are in place for walk-ins. 8:30am–11:00am for seniors (55+) and 11:00am–3:00pm for all customers.
We encourage you to reach us by phone or online.
For customer service and all business inquiries, call +1 441 295 5566  ◦  For website support or to set up an online account, call +1 441 298 0301

The application process for a one-time Pension refund per the Covid-19 Pension Act Amendment is NOW OPEN.  Click here to apply

The BF&M difference

Insurance the way it should be
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Want to speak with a BF&M representative? +1-441-295-5566

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Are you looking to make a payment? +1-441-295-5566

Why BF&M?

Insurance matters, and at BF&M we believe in making it straightforward. You can trust us to be open, to talk in terms you can understand. And with over a century in the business and the strongest financial ratings going, you can depend on us to be there when you need us most.

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Make your claims quickly and easily

Filing a health insurance claim shouldn’t be difficult, so at BF&M it’s not. And with our electronic reimbursement system, you can arrange to have funds deposited directly into your bank account.

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Make the most of your coverage

Make sure you have the best insurance for your needs and find out how to get the most out of what you're paying for.

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Facts about your group health insurance

A straight-forward guide to the components of your health insurance premium, and changes to the system.

BF&M and Coronavirus 2019-nCoV (COVID-19)

Click below for information on your BF&M travel, health and testing coverage as it relates to Coronavirus 2019-nCoV (COVID-19), as well as more general information.

Pension Refund

The application process for a one-time Temporary Pension Refund is

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