Group Life & Disability

Group Life Insurance provides financial support for your employees and their families in the event of their death or tragic accident. Disability Insurance allows you to provide an income for employees who are unable to work due to illness or an accident, while managing your bottom line.

Our suite of products include:

• Group Life
  We offer flat benefit options as well as benefits based on multiples of salary, ranging from one to four times an employee’s annual salary.


• Accidental Death and Dismemberment (AD&D)
  This option covers a percentage of your employee’s monthly income, for when employees need a longer period to fully recover or are impacted over the long-term. 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.


• Short Term Disability
  Cover a percentage of your employee’s weekly income with our Short Term Disability plan. Offering three month and six month options, you will be able to get the coverage your employees need at a price that works for you.


• Long Term Disability
  This option covers a percentage of your employee’s monthly income, for when employees need a longer period to fully recover or are impacted over the long-term.

What makes Island Heritage and the BF&M Group of companies different from other insurance and pension providers?

• We bring market-leading financial strength and scale
• We offer flexible investment options
• We pride ourselves in providing fee transparency
• We deliver outstanding customer service