Life Solutions

  • Whole Life

    Protect your Whole Life

    There is nothing more important than protecting the ones you love. You can get peace of mind from knowing that you and your loved ones are protected for life and that your savings are building every day. A Whole Life Plan offers guaranteed death benefits, low premium payments and permanent coverage with a savings component that grows over time.

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  • Universal Life

    Security for a changing world

    Enjoy the flexibility of change. This plan is perfect for life’s changing circumstances like new babies, a larger mortgage or education costs. You can choose the amount of protection that best suits you and change it as your needs change. Individual Universal Life can be an effective method of protecting your family's assets in the event of premature death.

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  • Term Life

    Protection on your terms

    Term Life Insurance offers affordable Life Insurance for a specified period of time. You can get the protection you need for a specific period of time at very affordable rates with guaranteed payments. it can be used as temporary life insurance, as an affordable alternative for a short term or for providing extra coverage while your children are still young. 

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  • Endowment

    Protection plus Money Back

    Our unique Money back Series offer the protection you deserve and money when you need, all while accumulating savings. With these plans you will  be paid a lump sum after a specified period of time. In the case of critical illness you may cash in early or receive a pay out to meet needs. Get access to “The Best of Both Worlds”…Protection and Cash; Coverage and Savings.    

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Health Solutions

  • Compare & Shop

    A plan to fit every need

    Although you probably take good care of your health, at some point you or a family member may need medical care. Whether its a routine, minor matter or a more serious illness you can get protection against the high-cost of getting sick.. Choose from our BAF MedSafe line of products which give you access to a worldwide network of doctors and hospitals or our time-honored Flexicare which offers you the best medical services within The Bahamas.

  • BAF MedSafe

    Covering you wherever you are

    BAF MedSafe offers a wide range of health insurance options to suit every need. BAF MedSafe insurance products are supported by United Health Care International in the USA, the largest single health insurer in the United States. This partnering enables MedSafe members access to 595,000 doctors and almost 5,000 hospitals worldwide which mean access to the very best in health care services. Make your choice from two excellent plans.

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  • Flexicare

    Flexibility that fits your budget

    Everyone likes flexibility. FlexiCare allows you to choose a level of care while in hospital that will give you peace of mind that you are getting the best care the Bahamas has to offer while fitting comfortably within your budget. FlexiCare is a personal healthcare insurance plan that can be bought up to the age of 65. You choose the amount of cover for Hospital Daily benefit, surgical Expense and In-Hospital Doctors visits benefit. The choice is all yours.

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Investment Solutions

  • Annuities

    Take control of your future

    Retirement should be exciting…with an annuity you can LIVE YOUR DREAMS when you retire! Annuities that offer you guaranteed income in the future can be a valuable addition to retirement planning for people at nearly every stage of life.

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  • Pensions

    Prepare to live more life later

    Personal & Corporate Pension Plans secure the financial future! If you have employees then you know that employee satisfaction and successful business go hand in hand. Help your employees secure their future and keep your employees – yours! 

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  • Dreams Investment

    Making her dreams come true

    DREAMS investment group was developed with every woman in mind. DREAMS makes it possible for Bahamian women to realize their goals by empowering them with the financial knowledge and tools to make their dreams a reality.

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  • Mortgages

    A place to call your own

    There really is no place like home, and with a BAF mortgage you can finally own the home of your dreams or build it, if you prefer. With quick approvals and flexible terms a BAF Residential, Commercial or Construction loan is for you!

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Group Health Solutions

  • School Accident Plan

    Accidents happen - Be prepared

    Accidents and sickness are some of the realities of life. No one is exempt. An accident can happen to any one of us at any time-on or off the campus. The School Accident Plan is specifically designed, using many years of experience and knowledge, to cover the basic risks that will be faced on an everyday basis by students and their teachers. Teachers and students alike can be faced with risk and accidents both as a result of their occupation and while on the school campus, as well as, like everyone else, during their other non-school activities. 

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  • Business Fit Medical Insurance

    An affordable employee benefit

    Corporate Employee Benefit solutions from BAF can provide flexible and safe alternatives for medium and larger-sized companies where affordability for employees is essential – taking care of employee well-being, whilst ensuring cost control. We are specialists in managing Employee Benefits. Along with our global network of partners we have designed a best in breed solution to manage Employee Benefits, putting excellent employee service and employer cost reduction at the core of everything we do.

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  • Sportsman Accident Plan

    Keeping you fit and healthy to play

    Team sports is all fun and games until someone gets hurt and the cost of medical attention becomes burdensome. The Sportsman Accident Plan reimburses medical expenses incurred while playing or during team activities while the sport is in season. Whether your team plays only locally or travels to compete, this plan can bring you peace of mind.

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