Passing the torch
Tomorrow isn’t promised – but with our reliable life insurance plans there’s nothing stopping you from protecting your loved ones today.
Did you know?
If you die prematurely, life insurance can:
- Cover final expenses and pay off debts, such as your mortgage
- Provide an income for your family
- Ensure your family maintains a comfortable standard of living
- Ensure your children continue their education
- Give your business the money to fund a buy-sell agreement
- Protect your business against the loss of a key employee
- Leave a legacy for the people you care for most
While you're alive, life insurance can...
- Build a guaranteed cash value you can draw on for personal and business opportunities
- Supplement your retirement income
- Provide for long-term care and home care
Still considering whether life insurance is the right option for you?
Watch the real life story of the Wachtel Family.
The head of the family, Don Wachtel, bought life insurance on a whim when he was in his 30’s not expecting he would ever need to use it.
Then the unexpected happened…
What kind of cover do I need?
If you’re looking for lifelong insurance protection and the chance to build cash value, participating life insurance may be right for you.View Whole page
By offering low-cost life insurance protection, term life insurance can help you achieve your financial goals.View Term page
Invest in a plan that gives your children the best education possible and the right foundation for their future.View Educational Plans page
You've found the right home; now it is time to find the right coverage to protect your mortgage in the event you’re no longer around to make the payments.View Mortgage page
We've established a dedicated scheme providing preferred coverage to Bermuda Law Firms.View Professional Indemnity for The Bermuda Bar page
We are pleased to provide exclusive access to a leading Directors & Officers Insurance scheme designed for Bermuda's Third Sector, open to any COP member who opts to participate.View Centre on Philanthropy Directors & Officers group plan page
You worked hard to earn your piece of the Rock. We work hard to provide you with a solid foundation for Home Insurance needs. With our secure coverage, competitive rates and efficient claims service your home is covered for every possibility.View HomeCover page
From your clothing and electronics to your grandfather's Bermuda cedar antiques – get it all covered.View Contents Only page
We have access to global insurance markets, bringing a wealth of experience in customising coverage of all types.View Broking page
Insurance for financial institutions helps mitigate the risk to your profits, property, business continuity, data and reputation.View Financial Services page
Being at the top tier of a company can come with some big rewards, but what about the risks it could also bring your way? Find insurance coverage that will guard you, as well as your board’s personal assets, from any legal challenges that arise.View Directors & Officers page
Despite your best intentions and wealth of experience there’s always the possibility in business that you (or a team member) could make an error. Professional indemnity insurance safeguards you against crucial slipups – whether that be inadequate advice or a loss of documents.View Professional Indemnity page
When it comes to insurance for the health and social care sectors, we offer the value and expertise you expect. Our insurance and risk management proposition includes bespoke protection for a broad range of medical needs.View Medical Malpractice page
Anyone in business today knows that crime is a real and common threat. That’s precisely why insurance protection is so valuable and necessary - so you can protect your company assets against any internal or external crime.View Crime page
As technology and the internet continue to evolve, so do your levels of risk. Information systems and data are becoming more vulnerable and your clients’ personal information is also in jeopardy of falling into the wrong hands. Cyber liability insurance is the perfect answer.View Cyber page
Whether retirement is right around the corner or something that still feels like eons away, it’s worthwhile to start thinking about it now.View Pensions page
Our selection of easy, innovative retirement solutions was designed to give you and your employees exactly what they need.View Pension Plans page
Freisenbruch-Meyer's retirement experts can consolidate your pension accounts into a simple, flexible retirement plan.View Personal Retirement Plans page
You’ve searched long and hard for the right combination of retirement benefits. Now let us help you set up and manage that plan so your company and staff can rest easy.View Employer Services page
When you’re ready to take the next step in reaching your financial goals, it’s time to consider investing. Our experienced team of investment professionals work alongside you to make sure your money is getting you exactly where you need to go.View Investment Services page
Looking for straight-forward, affordable coverage? Look no further. Whether you are self-employed or run a large corporation we can customize an insurance package to meet your needs.View Commercial page
Life is all about taking risks, but calculated ones. We want you to know your future is in safe hands, which is why our Front Street Funds investment strategy is built on two philosophies: high quality and steady growth.View Front Street Funds page
Insure your company's assets against theft, accident or damage with a customised business policy, designed to meet your unique needs.View Property & Casualty page
Whether you have one vehicle or a whole fleet, we offer coverage to help drive your business forward.View Commercial Vehicle page
You’ve found the perfect property. Protect your investment with business insurance that covers your premises against physical damage.
Rest soundly knowing your top of the line computers and high tech, specialized equipment is protected around the clock with our Contents Only Commercial policy.
From commercial fishing to inshore cruises, we can tailor a marine policy to meet your current needs and help you advance.View Commercial Vessel page
Cash or securities are a clear theft risk, especially when they’ve left your building en route to their next location. Our money coverage plan protects against such loss so you can breathe a little easier.
Our Marine Cargo coverage is the best option to safeguard freight coming to and from the Island by sea or air.View Marine & Cargo page
If an employee is injured on the job you could be liable for those expenses – either through the Worker’s Liability Compensation Act or Employer’s Liability… or both. Find out how one of our insurance plans can safeguard you against any sudden catastrophes.
The moment a customer enters your property or a staff member starts to interact with them, you could be liable for any injury or damage they incur. Your premises, work and goods all expose you to risk that we can help you navigate.
Following a fire, hurricane or other damage to your building or contents, it can take a little while to get back up and running. Business Interruption insurance helps get you through the rough patch until you’re able to operate smoothly again.
Getting your materials and supplies from point A to B doesn’t always go to plan. That’s why our Goods In Transit cover is there to help ease any bumps in the road and ensure your business doesn’t come to a screeching halt.
Business owners who specialize in selling items like food or flowers know the risks involved if items don’t stay cool. We’ll help develop a plan for you that covers all the bases, so no matter what you won’t get heated.
Your company could take a major hit if something ever happened to you or another key employee unexpectedly. Protect yourself with one of our specialized insurance plans.View Key Person page
For large, small, single or multiple projects, our Contract Works policy has all the nuts and bolts covered.View Contractors page
Don’t let unexpected difficulties abroad stop you from meeting your business goals. Our Business Travel Insurance policy can cover all employees (or a select few) for business trips so you can focus on finding more capital, not lost luggage.View Travel page
Your life, your family, your home, your transportation, your belongings – we provide peace of mind by insuring what matters most.View Personal page
It’s not just a house; it’s your oasis; the place where special memories are made. Protect your home and loved ones with custom insurance packages you can trust.View Home page
Whether it’s in the days before a storm or in the aftermath of a flood, you can breathe a little easier knowing we’re on your side and have thought of everything so you don’t have to.
If you have a boat that is under 16 feet in length and with a design speed of under 17 knots, we will be happy to protect it within our Home Cover policy.
Our HomeCover policy offers optional travel insurance that will give you peace of mind while you are away so you can enjoy some much needed R&R.
Navigate the Island’s winding roads with greater ease thanks to our superior coverage. If the unexpected does happen, we promise to uphold our end of the bargain with no unnecessary penalty to you.View Motor page
When the ocean calls, we want you to be ready. Our experienced underwriters can create a plan that suits all your marine insurance needs and help to ensure smooth sailing from there on out.View Marine page
As a Vacation Rental Homeowner you could be at risk for potential exposures that are not covered by a standard home insurance policy. Our HomeCover Plus policy is comprehensive, affordable and flexible.View Vacation Rentals page
No matter what the future holds, you want to make sure your family is taken care of. Find out how the right policy can alleviate some of your worries for good.View Life page
A new adventure awaits you once you retire. Talk to our team of experienced professionals so you're prepared for the next chapter of your life.View Retirement page
You have the keys in hand to your brand new car and just need a great coverage plan to go along with it. We’ll help you figure out the best protection options based on your needs and have you out on the road cruising in no time.View Car page
You can take your new scooter out for a spin without any reservations - knowing your insurance coverage is powered by us.View Motorcycle page
Some things just don’t fit in cars. So whether you're a boat lover, equestrian or scrambling enthusiast we offer comprehensive coverage, worth up to $1 million in liability, to help you get from point A to B.