From Monday, 22 June, new hours and safety measures are in place.
8:30 am–11:00 am for seniors (55+) and 11:00 am–3:00 pm for all customers
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

Disability Insurance

Want to speak with a BF&M representative? +1-441-295-5566

Insurance that protects your employees and your business

When employees are unable to work due to illness or an accident, you need to make sure you’re able to cover their income without massively impacting your bottom line. Disability Insurance from BF&M helps offset the loss of earnings, while giving your employee the time to recover.


Disability coverage:

Short Term Disability

Cover up to 75% of your employee’s income benefits with our Short Term Disability plan. Offering three months, six months, and one year options, you will be able to get the coverage your employees need at a price that works for you.

Long Term Disability

If longer coverage is needed for your employees for fully recover, our Long Term Disability plans offer exactly that. Continuing up to 75% of your employee’s income benefits, we cover 2 years, 5 years, 10 years, or up to the time the employee reaches age 65.

Group Life

Take care of your employees’ families with a company-sponsored life insurance plan. We offer benefits equivalent to one, two, or three times an employee's annual salary.

Accelerated Death benefit

Our Group Life plans allow for a partial payment of death benefits if the employee is not expected to live beyond a 12-month period.

Accidental Death and Dismemberment benefits (AD and D)

This benefit provides additional protection if a workplace death or accident is caused by unintentional means.

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.

Learn More

Get a Disability Insurance quote or call for advice.