In light of the stay-at-home order from the Bermuda Government, BF&M’s Bermuda offices are closed to walk-in customers until further notice.

Please note that physical dropbox collections are also discontinued until further notice.

We remain open for business online and by phone.

  • For customer service and for all business enquiries, call +1 441 295 5566.
  • For website support or to set up an online account, call +1 441 298 0301.

Investing and Retirement

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

Retire your way–you've earned it

You’ve put in the hours, now you deserve to enjoy life a little more. That’s why we offer retirement and saving plans that allow you to make the most of your best years. Because your life is just getting started.


Temporary Pension Refund—Application process now open

Click here for information on how to apply and to access to the online-fillable form


Let our retirement and savings plans work for you

Flex Account Retirement Plan

With our Flex Account you are able to draw an income once you reach retirement age – or you can convert your account to an annuity.

Individual Savings Plan

Whether it be a rainy day, for future travel, or home renovations, the Individual Savings Plan allows you to put a little extra aside.

Education Savings Plan

Designed to allow you to save for the future education of your child, grandchild, or any other important child in your life.

Financial Planning

Getting the best return of life


Receive an income for life (or a specific term) when you purchase this product from BF&M using your retirement savings.

Not sure what you need?

Invest with confidence in your future

Traditional Risk Based model

Invest based on your own investment comfort level with our Risk Based model. You simply create a risk profile (ranging from aggressive to conservative) and adjust it as you see fit, based on your personal investment goals. Featuring a mix of bonds and stock, this plan maintains the same risk-allocation until you change it as the investor, giving you control over the potential growth of your investments.

Target Date model

Designed around your current age, our Target Date model automatically adjusts your portfolio risk-allocation (from more aggressive to more conservative) as you move closer to the end of your career. You select your timeframe, risk comfort and investment path, and we take care of the rest. BF&M was the first, and is currently the only provider in Bermuda, to offer target-date investing as an option.

Want to gauge your risk comfort?

Viewing your Pension information

BF&M’s Pension portal allows you to access your pension information 24 hours a day, 7 days a week. Follow our Online Guide to get started.

Online Guide

Small Pensions withdrawals

If you are 65 or older and have no more than $50,000 in your pension account, you can apply for a Small Pensions withdrawal—whether or not you are retired.

Application form

Making contributions

It’s easy to transfer funds for your investment plans or accounts. Click the link below for direct debit and wire payment instructions.

Contribution Instructions

Pension fund performance and newsletters

To view Pension fund performance and market update newsletters, click the link below.

Fund Performance and Newsletters

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


Need help?

For advice or help with setting up a plan
email us at or call us at +1-441-295-5566


Articles & Guides

Preparing for the cost of education

Get the full rundown on what it takes to prepare for your child's education.

View All Articles & Guides

Call for advice on Investing and Retirement plans.