Life changes. Let’s keep your plan in step.

Begin with a planning conversation. Any product application will have its own requirements.

What to have ready

• Details of existing policies and beneficiary designations.
• Existing arrangements and the questions you would like to discuss.

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.

EveryData Barbados (formerly Credit Advice Barbados) provides credit reports and scores. BIAI can help you understand the next steps; the bureau handles report applications and corrections, and the lender makes lending decisions. Do not include your report, ID or banking details in the public enquiry box.

See EveryData Barbados report options and application steps → (opens in a new tab)

What to have ready

• Tell us your goal or question: understanding your score, preparing to buy or build a home, managing debt, or checking a possible report error.
• If you already have a credit report, tell us its date and arrange a secure way to share it with BIAI. You do not need a report to start a conversation.

Start with an enquiry or consultation. BIAI will confirm the relevant account or transaction requirements; no application checklist has been published for this service.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Start with an enquiry or consultation. BIAI will confirm the relevant account or transaction requirements; no application checklist has been published for this service.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Start with an enquiry or consultation. BIAI will confirm the relevant account or transaction requirements; no application checklist has been published for this service.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Begin with an enquiry or consultation. Prepare account-opening documents when BIAI confirms the next step for your selected investment.

For individual applicants. Start with a consultation and review the current fund information. BIAI will confirm the forms for your selected fund. Companies use the separate corporate mutual-fund checklist.

Begin with an enquiry or consultation. Prepare account-opening documents when BIAI confirms the next step for your selected investment.

Use this guide after Sagicor has approved and opened your mutual-fund account. Confirm the payment instructions for your location and fund before sending money.

What to have ready

• Your selected fund and account/reference details, once provided by Sagicor.
• For a payment enquiry: the amount, date, method and wire transaction reference or deposit confirmation.

Individual mutual-fund account opening. Start with a consultation. BIAI confirms the applicable forms; companies use the separate corporate mutual-fund checklist.

Begin with an enquiry or consultation. Prepare account-opening documents when BIAI confirms the next step for your selected investment.

Individual mutual-fund account opening. Start with a consultation. BIAI confirms the applicable forms; companies use the separate corporate mutual-fund checklist.

Begin with an enquiry or consultation. Prepare account-opening documents when BIAI confirms the next step for your selected investment.

For individual applicants. Start with a consultation and review the current fund information. BIAI will confirm the forms for your selected fund. Companies use the separate corporate mutual-fund checklist.

Begin with an enquiry or consultation. Prepare account-opening documents when BIAI confirms the next step for your selected investment.

Individual mutual-fund account opening. Start with a consultation. BIAI confirms the applicable forms; companies use the separate corporate mutual-fund checklist.

Begin with an enquiry or consultation. Prepare account-opening documents when BIAI confirms the next step for your selected investment.

Conversion follows approval of the relevant documents and the repayment terms in the facility letter.

What to have ready

• Completion Certificate from Town & Country Planning. A Partial Completion Certificate may be accepted by the lender in some cases.
• Updated valuation from the quantity surveyor.
• Mortgage Indemnity policy schedule, if applicable.
• Updated Home Insurance certificate after conversion from Contractors All Risk.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with an enquiry or consultation through Sagicor E Brokerage. Sagicor’s onboarding team confirms the current account-opening documents: ebrokerage_onboarding@sagicor.com.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Discuss the products available through Sagicor E Brokerage and the level of support you need. Sagicor’s onboarding team confirms the current account-opening documents: ebrokerage_onboarding@sagicor.com.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Discuss the products available through Sagicor E Brokerage and the level of support you need. Sagicor’s onboarding team confirms the current account-opening documents: ebrokerage_onboarding@sagicor.com.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Discuss Self-Trade, Advisory or Wealth Management with BIAI, then request the current forms and document checklist from ebrokerage_onboarding@sagicor.com. Sagicor confirms eligibility and processes the account application.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Explore professional support and available investment strategies. Confirm the current minimum investment, fees, eligibility and service scope during your consultation. Ask ebrokerage_onboarding@sagicor.com for the current account-opening documents. Sagicor’s official page lists a US$5,000 minimum investment, checked 9 October 2026; confirm current terms before applying.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Explore making your own investment decisions and placing trades. Confirm the current minimum investment, fees, eligibility and service scope during your consultation. Ask ebrokerage_onboarding@sagicor.com for the current account-opening documents. Sagicor’s official page lists a US$1,000 minimum investment, checked 9 October 2026; confirm current terms before applying.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

Explore a tailored investment service with the brokerage team. Confirm the current minimum investment, fees, eligibility and service scope during your consultation. Ask ebrokerage_onboarding@sagicor.com for the current account-opening documents.

BIAI will confirm the application documents for your selected arrangement. No application checklist has been published yet.

For 24/7 roadside assistance, emergency towing and accident recovery in Barbados, call Auto Rescue Inc., Sagicor General’s roadside assistance partner: +1 (246) 234-4357 or +1 (246) 426-9500. If you need assistance now, call directly rather than waiting for a reply to a website enquiry. Auto Rescue and Sagicor General will confirm the assistance available for your situation and any applicable charges or policy terms.

What to have ready

• Your location or a nearby landmark and a telephone number where you can be reached.
• Vehicle registration number and a brief description of the accident, breakdown or assistance needed.
• Your Sagicor General policy number, if available. Do not delay calling while looking for it.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Policy details and the policy owner’s instructions to add the driver(s).
• Front and back of each additional driver’s licence.

What to have ready

• Existing policy number.
• Proof of ownership or pro-forma invoice.
• Vehicle valuation for comprehensive cover.
• Roadworthiness certificate only if the vehicle is over ten years old.
• Registration certificate after registration.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.
• Year or period the certificate should cover.

What to have ready

• New Proof of Address no older than 3 months - fixed utility bills (except a mobile phone bill or any correspondence from another insurer) or charge account statements from a reputable company or bank/credit union statement or credit card statement or confirmation letter from a spouse or parent along with their proof of address.
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.
• For Sagicor Life, use the address shown at the top of a Barbados Light & Power or Barbados Water Authority bill. Include all pages needed to show the service address; BIAI will guide you through signing the change form.

What to have ready

• Two Pieces of New Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).
• Marriage Certificate or Affidavit stating name change.
• For Sagicor Life, provide applicable marriage/divorce documentation, birth certificate or affidavit supporting the change, plus one valid certified ID showing the new name. Tell BIAI whether the name belongs to the owner or the insured so we can supply the correct form.

What to have ready

• For an incorporated business: Certificate of Incorporation, Articles and Notice of Directors.
• For a sole proprietor: business-name registration documents. For a partnership: business-name/registration documents and partnership agreement.
• Proof of identity and residential address for every director, sole proprietor or partner, as applicable.
• Corporate Customer Identity Form, including applicable officers, senior management, authorised signatories, proxies and beneficial owners. For private companies, include persons owning or controlling 10% or more.
• Evidence of authority to act, such as the relevant resolution or power of attorney, where applicable.
• For a nonprofit or other entity: its registration or constituent documents appropriate to its legal form.

Ask BIAI to review an increase or decrease in the sum insured. Sagicor General must confirm any change, its effective date and revised premium. BIAI will confirm the applicable form and any valuation or other evidence for your policy; sending this request does not change your cover.

What to have ready

• Policy number and the property, contents, vehicle or other insured item you want to change.
• Current sum insured, if known, and the new amount you would like Sagicor to consider.
• Requested effective date and the reason for the increase or decrease.
• Any recent valuation or supporting information you already have, if available. BIAI will confirm whether updated evidence is required.

For household belongings or business contents such as stock, equipment, office supplies and furniture, start with the property quotation. Select the appropriate individual or company/business option and choose contents-only cover in that form to complete the contents listing. BIAI will review the items and cover requested.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.

DrivePal helps monitor driving behaviour, including speed, acceleration, braking and cornering, and can support fleet enquiries. Sagicor General may require installation as a condition of particular cover, including some under-25 driver, fleet or hired-car arrangements; BIAI will confirm your policy’s requirement. Vehicle-location access is optional under the supplied agreement and needs the policyholder’s written approval. Ask BIAI for installation, access or device support; installation and removal must be arranged through an authorised professional.

What to have ready

• Policyholder’s name, telephone number and email address.
• Policy number and policy start date, if available.
• Vehicle registration number, make and model; identify each vehicle for a fleet enquiry.
• Tell us whether you need installation, help with driving data or portal access, a fleet enquiry, or authorised removal before selling a vehicle.
• For enrolment, review and sign the DrivePal Standard Form and DrivePal Programme Agreement supplied by BIAI, including your choice about vehicle-location access.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor General; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

Start here for help with a new claim. BIAI will confirm the official forms and supporting documents for your particular case before submission. This enquiry does not submit an insurer claim or confirm that it is covered.

What to have ready

• Policy number or other policy reference, if available.
• A brief description of what happened and the relevant date, if known.
• Your contact details and your relationship to the policyholder or insured person.

Ask BIAI to review an increase or decrease in the sum insured. Sagicor General must confirm any change, its effective date and revised premium. BIAI will confirm the applicable form and any valuation or other evidence for your policy; sending this request does not change your cover.

What to have ready

• Policy number and the property, contents, vehicle or other insured item you want to change.
• Current sum insured, if known, and the new amount you would like Sagicor to consider.
• Requested effective date and the reason for the increase or decrease.
• Any recent valuation or supporting information you already have, if available. BIAI will confirm whether updated evidence is required.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Use the guide to get started. You can still submit a request if you need help.

What to have ready

• Your policy number.
• For a payment query: the date, amount, payment method and receipt or reference.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Mortgage indemnity protects the lender. For construction, cover begins when the completed project converts from bridging finance to the mortgage, with the lender’s conversion requirements confirmed. This Sagicor General policy has a 10-year term; BIAI coordinates the start date with your lender. The premium is a one-time payment, payable in full with no instalments. A quotation does not start cover.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor General; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

Ask BIAI to review an increase or decrease in the sum insured. Sagicor General must confirm any change, its effective date and revised premium. BIAI will confirm the applicable form and any valuation or other evidence for your policy; sending this request does not change your cover.

What to have ready

• Policy number and the property, contents, vehicle or other insured item you want to change.
• Current sum insured, if known, and the new amount you would like Sagicor to consider.
• Requested effective date and the reason for the increase or decrease.
• Any recent valuation or supporting information you already have, if available. BIAI will confirm whether updated evidence is required.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.

What to have ready

• Your completed and signed motor insurance claim form.
• A copy of the policy owner’s driving licence and the driver’s driving licence.
• Any other supporting documents confirmed as required for your claim.

Ask BIAI to review an increase or decrease in the sum insured. Sagicor General must confirm any change, its effective date and revised premium. BIAI will confirm the applicable form and any valuation or other evidence for your policy; sending this request does not change your cover.

What to have ready

• Policy number and the property, contents, vehicle or other insured item you want to change.
• Current sum insured, if known, and the new amount you would like Sagicor to consider.
• Requested effective date and the reason for the increase or decrease.
• Any recent valuation or supporting information you already have, if available. BIAI will confirm whether updated evidence is required.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor General; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

Start here for help with a new claim. BIAI will confirm the official forms and supporting documents for your particular case before submission. This enquiry does not submit an insurer claim or confirm that it is covered.

What to have ready

• Policy number or other policy reference, if available.
• A brief description of what happened and the relevant date, if known.
• Your contact details and your relationship to the policyholder or insured person.

For all Sagicor General Insurance policies. Follow the first-payment guide before using the subsequent-payment options.

What to have ready

• Your policy number and first premium amount confirmed with BIAI.
• Proof of payment showing the payment date, amount and policy reference.

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For motor, home, contents and other General Insurance claims when your claim form and supporting documents are ready.

What to have ready

• Your completed and signed General Insurance claim form.
• The supporting documents required for your particular claim. BIAI can confirm these if you are unsure.

Contact Sagicor General Insurance Inc. — Customer Service directly using the details below, or ask BIAI for help.

What to have ready

• Your policy or application number, if available.
• A brief description of your question or the help you need.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Special Events Liability - 1 Day Public Liability Quotation Form Proof of Address no older than 3 months - fixed utility bills (except a mobile phone bill or any correspondence from another insurer) or charge account statements from a reputable company or bank/credit union statement or credit card statement or confirmation letter from a spouse or parent along with their proof of address.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.

What to have ready

• Proof of address dated within three months: a fixed utility bill, bank or credit union statement, credit card statement, or charge-account statement from a reputable company. Mobile phone bills and correspondence from another insurer are not accepted.
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.

What to have ready

• Itinerary
• Full Premium
• Proof of address dated within three months: a fixed utility bill, bank or credit union statement, credit card statement, or charge-account statement from a reputable company. Mobile phone bills and correspondence from another insurer are not accepted.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.

Transfer ownership of a Sagicor Life policy. BIAI will help you prepare the applicable documents and signatures.

What to have ready

• Your policy contract or data schedule pages.
• Two valid certified IDs for the assignee (the person receiving ownership), and one valid certified ID for the previous policy owner. Include the front and back where applicable. If an executor or administrator is acting, BIAI will confirm their identity and authority documents.
• One proof of address for the assignee dated within three months of submission. Send complete pages; fixed utilities, reputable charge-account statements, bank/credit-union or credit-card statements may be used. Mobile-phone bills and correspondence from another insurer are not accepted.
• If using a spouse’s or parent’s address, bring their current proof of address and ID plus their letter confirming that you live with them. Both of you must sign in the advisor’s presence; bring originals for verification.
• Letters of Administration or Probate, as applicable, if an estate representative is acting.
• Review and sign the assignment and customer/tax-information forms supplied by BIAI. The owner and assignee must sign as required; BIAI will guide you on witnessing and any extra information needed if new benefits are requested.
• Pay the confirmed processing cost: $10 for every $1,000, or part thereof, of the policy’s cash/fund value. BIAI will confirm Sagicor’s valuation, amount and payment arrangements.

Use the guide to get started. You can still submit a request if you need help.

What to have ready

• Your policy number.
• For a payment query: the date, amount, payment method and receipt or reference.

Contact us as soon as the baby is born to begin the request.

What to have ready

• Baby’s birth certificate.
• Certificate of Good Health from the paediatrician, noting height, weight and whether development is normal for the baby’s age.
• Review and sign the child’s non-medical questionnaire and amendment forms supplied by BIAI.
• Bank statement if paying by direct debit.
• For adding a child to an existing individual health plan, the August 2026 checklist also lists the Child Health Record, minor’s ID and a physician’s Certificate of Good Health. BIAI will confirm the age-appropriate documents before you arrange them.

What to have ready

• A copy of the Policy Specifications page (Schedule of Benefits and Initial Premiums). Found on page one of Section One of the life insurance policy contract - your policy.
• Bank Statement - if the applicant opts to use a Direct Debit as their payment method.
• If necessary additional medical requirements for the new riders.
• Pay the difference in premium between the old premium and the new premium for all the months that have elapsed since the policy was issued.
• Return the original contract to the head office to be endorsed at building #2 Sagicor, Collymore Rock.

Begin with a consultation. BIAI will confirm the documents for your proposed arrangement.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.
• Year or period the certificate should cover.

What to have ready

• New Proof of Address no older than 3 months - fixed utility bills (except a mobile phone bill or any correspondence from another insurer) or charge account statements from a reputable company or bank/credit union statement or credit card statement or confirmation letter from a spouse or parent along with their proof of address.
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.
• For Sagicor Life, use the address shown at the top of a Barbados Light & Power or Barbados Water Authority bill. Include all pages needed to show the service address; BIAI will guide you through signing the change form.

What to have ready

• Policy Number(s)
• State what percentage of the sum insured each beneficiary should receive.
• State the following information for each intended beneficiary: First, Middle, Last National ID Number Birthplace Country of Residence Gender Residential Address Relationship to you the insured
• For Sagicor Life, beneficiary shares must total 100%. For beneficiaries born in the USA or Canada, include their state or province of birth.
• If a beneficiary’s name differs from the policy record, provide the applicable name-change evidence and identity documents BIAI requests. If a beneficiary is irrevocable, ask BIAI about the consents needed before changing the policy.

What to have ready

• Two Pieces of New Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).
• Marriage Certificate or Affidavit stating name change.
• For Sagicor Life, provide applicable marriage/divorce documentation, birth certificate or affidavit supporting the change, plus one valid certified ID showing the new name. Tell BIAI whether the name belongs to the owner or the insured so we can supply the correct form.

A nominee can receive Critical Illness proceeds on your behalf if you are medically unable to do so, for example if you are in a coma, subject to the policy terms. Ask BIAI for the nominee form; we will help you arrange the change with Sagicor Life.

What to have ready

• Your Critical Illness policy reference and whether you want to add, remove or replace a nominee.
• Request the nominee form from BIAI and complete the applicable nominee information.
• Sign and date the form and have the witness complete the required signature and name fields. Complete the photo ID number field on the form.

What to have ready

• Two Pieces of Photo Identification - national identification card, passport, driving licence and/or any other government-issued identification with a photo(front and back).
• Proof of address dated within three months: a fixed utility bill, bank or credit union statement, credit card statement, or charge-account statement from a reputable company. Mobile phone bills and correspondence from another insurer are not accepted.
• TAMIS Number
• A copy of the Data Schedule, or Policy Specifications, or Schedule of Benefits, typically located within the first four pages of the policy contract.
• Premium
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.
• Tell us whether you are converting all or part of the cover and what you want to happen to any remaining cover.
• If the insured is different from the owner, provide one valid ID for the insured. BIAI will confirm the owner’s identity documents, conversion forms and any extra-benefit medical information.
• For a group-to-individual conversion, provide the group-policy details and any conversion letter already supplied to you. BIAI will help arrange the required conversion documents.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

Ask BIAI about starting a Critical Illness claim. We’ll confirm the policy-specific requirements and signing dates; submitting an enquiry does not confirm a claim is payable.

What to have ready

• Policy reference, diagnosis and diagnosis date; policy data schedules and Life Protector provision sheets where available.
• Claimant identification (front and back where applicable) and proof of address within three months; BIAI will confirm certification or overseas notarisation.
• Relevant medical evidence: pathology report for cancer, MRI or CT report for stroke, ECG/troponin for heart attack, or the relevant reports for another diagnosis.
• Review and complete the Claimant’s Statement and customer/tax forms BIAI supplies; the treating physician completes the diagnosis-specific Confidential Medical Statement. Provide applicable overseas tax-ID evidence.
• Review and sign the claim documents when BIAI confirms the timing for your policy version. Notify us promptly; the policy’s survival period and the form-signing requirement must be checked for your claim.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

We’ll guide you through the claim with care. The documents depend on whether payment goes to a named beneficiary or an estate, and whether payment is local or overseas. You can contact us before the full package is ready.

What to have ready

• The deceased’s death certificate and the policy data schedule, policy specification or schedule of benefits (usually within the first four pages of the contract). Tell BIAI if the policy documents are missing.
• Two valid photo IDs for the beneficiary or applicable estate representative, and one ID for the deceased. Include front/back where applicable. If using a birth certificate as alternative ID, ask BIAI to confirm acceptance; a birth certificate is not photo identification.
• One proof of address dated within three months for the person receiving payment. For a local deposit, provide a bank statement matching the Direct Credit Authorisation Form; it may also serve as address evidence if current and showing your address.
• Named beneficiary: review and sign the Claimant’s Statement, beneficiary customer/tax forms, the deceased’s tax form prepared in the estate’s name, and local Direct Credit Authorisation where applicable. Provide overseas Tax Identification Number evidence where required.
• Minor beneficiary with no named trustee: court-approved documentation authorising payment to the parent or guardian.
• Estate claim: provide Letters of Administration or Probate of the Will, as applicable, and the administrator/executor’s identity, customer/tax and payment information. BIAI will confirm the documents needed for the stage of the estate claim.
• Estate funeral-payment request: provide the funeral-home invoice and review/sign the Payment of Proceeds Form, which also needs the funeral-home representative’s signature. An early release of up to $10,000 may be available only where the designation is Estate, subject to Sagicor’s approval and required documents.
• If death occurred overseas: complete the Foreign Death Questionnaire supplied by BIAI and provide the burial or cremation certificate.
• If you live overseas and request a wire transfer: provide address/residency evidence no older than three months, notarised or certified as Sagicor requires, and bank-issued wire instructions with bank name/address, account number, SWIFT and routing number. The local Direct Credit Authorisation and its matching bank statement are not required for this wire route.
• BIAI will confirm whether a Proof of Death Physician’s Statement is required and guide you in obtaining it from the deceased’s physician. It is not required for every policy.

Contact BIAI one or two months before the policy anniversary to arrange the change.

What to have ready

• Policy number and the deductible you would like.
• Bank statement if changing a direct-debit arrangement.
• Review and sign the amendment and payment forms supplied by BIAI.
• Complete the non-medical form supplied by BIAI.

What to have ready

• Bank Statement

Begin with a consultation. BIAI will confirm the documents for your proposed arrangement.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

We can help with an initial or continuing disability claim. Requirements for loss-of-limb or dismemberment claims are confirmed separately.

What to have ready

• Your policy reference, the nature of the disability and when it started.
• Claimant identification with front/back where applicable, plus any valid driving-licence renewal slip if needed.
• For a first claim: completed initial Claimant’s Statement, Physician’s Statement and Employer’s Statement where applicable, using the forms supplied by BIAI.
• Supporting medical reports and relevant NIS documents.
• For a continuing claim: subsequent Claimant’s Statement and Physician’s Statement for the period requested. BIAI will confirm any further requirements.

What to have ready

• A copy of the Policy Specifications page (Schedule of Benefits and Initial Premiums). Found on page one of Section One of the life insurance policy contract - your policy.
• Bank Statement - if the applicant opts to use a Direct Credit as their refund method.
• If the applicant is a resident working in Barbados, provide an up-to-date Barbados National ID or an up-to-date work permit stamp in the applicant’s passport.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).

First and subsequent payments are separate. Use this guide for Life, Critical Illness, Peace Assured policies and Sagicor Life retirement plans.

What to have ready

• Your policy or plan number and the initial premium amount confirmed with BIAI.
• Proof of payment showing the date, amount and policy reference.

BIAI will guide you through the applicable documents and next steps.

What to have ready

• Your group-policy/member details, intended individual cover and any conversion letter already provided to you.
• Owner and insured identity documents and owner proof of address within three months.
• Complete and sign the individual application supplied by BIAI. Additional medical information is required if requesting further benefits.
• BIAI will help obtain the Group Department’s conversion documents and confirm eligibility, timing and the quotation before the next step.

What to have ready

• Policy/member details and the change requested.
• Applicable birth, marriage, adoption or name-change evidence.
• Review and sign the Group Health Change Form; employer certification and beneficiary-change witnessing where applicable.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For the employer’s proposal

• Completed Request for Group Proposal with the benefits your organisation wishes to consider.
• Employee census in Excel: names, dates of birth, occupation, sex, cover tier, earnings and employment dates.
• If already insured: last three years’ claims experience, details of large open claims, current benefits and premium rates. Supply sensitive claims information only through the channel agreed with BIAI.

Begin with a consultation. BIAI will confirm the documents for your proposed arrangement.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Claim or policy reference and the reimbursement you are arranging.
• Bank statement matching the account on the Direct Credit Authorisation Form, if using direct credit.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

What to have ready

• Your completed and signed health claim form.
• Receipts supporting your claim.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Use the guide to get started. You can still submit a request if you need help.

What to have ready

• Your policy number.
• For a payment query: the date, amount, payment method and receipt or reference.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

Contact BIAI one or two months before the policy anniversary to arrange the change.

What to have ready

• Policy number and the deductible you would like.
• Bank statement if changing a direct-debit arrangement.
• Review and sign the amendment and payment forms supplied by BIAI.

BIAI will guide you through the applicable documents and next steps.

What to have ready

• Policy reference, dependant’s name, relationship and whether you want to add or remove them.
• For adding a spouse/common-law partner: identity and marriage/common-law evidence.
• For adding a child: birth certificate, Child Health Record, minor ID where available and the physician’s Certificate of Good Health listed for additions. BIAI will confirm age-appropriate requirements.
• For an addition: owner/insured identity documents, current owner address evidence and completed dependent medical-information forms supplied by BIAI.
• Review and sign the Individual Health Insurance Information Change Form supplied by BIAI; removal uses this change form.

Begin with a consultation. BIAI will confirm the documents for your proposed arrangement.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

• Policy number and claim reference, if available.
• When the claim was submitted and to whom, if known.
• The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
• Any recent claim correspondence or payment reference relevant to your question, if available.

Start here for help with a new claim. BIAI will confirm the official forms and supporting documents for your particular case before submission. This enquiry does not submit an insurer claim or confirm that it is covered. Please avoid including detailed medical records in the initial message.

What to have ready

• Policy number or other policy reference, if available.
• A brief description of what happened and the relevant date, if known.
• Your contact details and your relationship to the policyholder or insured person.

The lost-policy notice is published for six weeks in the official local Gazette.

What to have ready

• Completed Declaration of Loss of Policy for each policy, signed and stamped by a Notary Public, Magistrate, Justice of the Peace or Commissioner of Affidavit.
• Replacement fee: BBD $223.55 per policy. Confirm payment instructions with BIAI.

What to have ready

• Completed Declaration of Loss of Policy for each policy, signed and stamped by a Notary Public, Magistrate, Justice of the Peace or Commissioner of Affidavit.
• Lost-policy fee for surrender, maturity or death claims: BBD $173.55 per policy. Confirm payment instructions with BIAI.

BIAI will confirm which medical evidence applies to your case before arranging an approved doctor or laboratory. Do not book tests from a general age/cover table alone.

What to have ready

• Your policy/application reference, the requirements BIAI has confirmed and your appointment availability.
• Bring the forms and valid government-issued photo ID specified by BIAI or the clinic. Confirm any preparation instructions with the clinic before attending.
• For standalone Nicotine, Marijuana or Cocaine tests from 14 October 2026: bring the Chain of Custody and Medical Underwriting Request forms plus valid government photo ID. Sign the Chain of Custody form in front of laboratory staff at specimen collection.
• When a full medical is being completed at the same time, the panel physician manages the Chain of Custody process. BIAI will confirm the appropriate approved provider.

This guide applies to approved individual health applications. First and subsequent payments are explained separately.

What to have ready

• Your approved individual health application and policy number.
• The premium amount and payment instructions confirmed with BIAI.
• Proof of payment showing the date, amount and policy reference.

What to have ready

• Bank Statement - if the applicant opts to use a Direct Debit as their payment method, (for the payor).
• First Premium — after BIAI confirms the amount and payment instructions.
• Proof of address dated within three months: a fixed utility bill, bank or credit union statement, credit card statement, or charge-account statement from a reputable company. Mobile phone bills and correspondence from another insurer are not accepted.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back), (for the payor).
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.

Insured ages 18–70. Premiums payable for 10 years or to age 80; coverage extends to age 100. No medical examination required. Waiting period: 24 months. If the insured dies during this period, only premiums paid are refunded. After submitting and accepting your quotation, book an onboarding appointment. BIAI will confirm the application documents.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Policy or application reference, if available.
• What you would like checked, including relevant dates or period.

What to have ready

• A copy of the Policy Specifications page (Schedule of Benefits and Initial Premiums). Found on page one of Section One of the life insurance policy contract - your policy.
• Bank Statement - if the applicant opts to use a Direct Credit as their refund method.
• If the applicant is a resident working in Barbados, provide an up-to-date Barbados National ID or an up-to-date work permit stamp in the applicant’s passport.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).

BIAI will guide you through the applicable documents and next steps.

What to have ready

• Policy contract/data schedules and the maturity or Option Letter, if supplied. Tell us if the policy documents are lost.
• Owner/insured identity documents and owner proof of address within three months.
• Bank statement verifying your chosen payment/remittance account and review/signature of the applicable forms supplied by BIAI.
• For an Individual RRSP, Millenium Saver or BAICO annuity maturity, BIAI will confirm the pension-remittance and annuity option documents appropriate to your decision.

What to have ready

• Policy or application reference, if available.
• What you would like checked, including relevant dates or period.

What to have ready

• A copy of the Policy Specifications page (Schedule of Benefits and Initial Premiums). Found on page one of Section One of the life insurance policy contract - your policy.
• Bank Statement - if the applicant opts to use a Direct Credit as their refund method.
• If the applicant is a resident working in Barbados, provide an up-to-date Barbados National ID or an up-to-date work permit stamp in the applicant’s passport.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).

What to have ready

• Policy/reference details, if available.
• What you need and any relevant dates.

What to have ready

• Bank Statement - if the applicant opts to use a Direct Credit as their refund method.
• If the applicant is a resident working in Barbados, provide an up-to-date Barbados National ID or an up-to-date work permit stamp in the applicant’s passport.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

What to have ready

• Proof of address no older than 3 months - fixed utility bills (except a mobile phone bill or any correspondence from another insurer) or charge account statements from a reputable company or bank/credit union statement or credit card statement or confirmation letter from a spouse or parent along with their proof of address.
• Two Pieces of Photo Identification - national identification card, passport, driving licence and/or any other government-issued identification with a photo(front and back).
• TAMIS Number
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.
• Review and sign the reinstatement or policy-change form appropriate to your exact product, supplied by BIAI.
• Pay only the reinstatement amount and follow the payment instructions confirmed by BIAI. Sagicor must confirm when the policy is reinstated.

What to have ready

• Pay the replacement fee of $25.00 to the Cashier at Building #2 Collymore Rock, Sagicor.

What to have ready

• Submit the old policy document to Customer Service at Building #2 Collymore Rock, Sagicor.
• Pay a damage policy fee of $50.00 per policy.

For a first card on a new health policy. BIAI will confirm the card arrangements with Sagicor Life. For a lost or damaged existing card, choose the replacement-card request.

What to have ready

• The policyholder’s name and new health policy number or application reference.
• Tell us who needs the card and whether you are checking when it will be ready or asking how to receive it.

What to have ready

• A copy of the Policy Specifications page (Schedule of Benefits and Initial Premiums). Found on page one of Section One of the life insurance policy contract - your policy.
• A copy of the purchase agreement or offer agreement confirming the purchase price of the property.
• Approved plot plan from Town & Country Planning.
• Bank Statement - if the applicant opts to use a Direct Credit as their refund method.
• Contractor’s Estimate or Valuation Report or Quantity Surveyor’s Report.
• If the applicant is a resident working in Barbados, provide an up-to-date Barbados National ID or an up-to-date work permit stamp in the applicant’s passport.
• Two Pieces of Government Issued Photo Identification - National Identification Card, Passport, Driving Licence, and/or any other government-issued identification with a photo(front and back).

Document requirements depend on the Sagicor Life service and person involved. Ask us before arranging certification or signing a form if you are unsure.

What to have ready

• The service you are applying for and the identity/address documents you already have. Send complete pages and both sides of cards where applicable.
• Address evidence should be dated within three months of submission. Include the second page of bundled-service bills where it shows the service address.
• If using a spouse’s or parent’s address, bring their current proof of address and ID plus their letter confirming that you live with them. Both of you must sign in the advisor’s presence; bring originals for verification.
• Tell BIAI if you have only one ID, an ID nearing expiry, overseas documents or questions about tax forms. We will confirm the applicable alternatives, witnessing and correct forms before you sign.
• Provide accurate information about tax residency and source of funds when requested. BIAI will guide you to the appropriate insurer forms for your case.

Contact Sagicor Life Inc. — Customer Service directly using the details below, or ask BIAI for help.

What to have ready

• Your policy or application number, if available.
• A brief description of your question or the help you need.

What to have ready

• New policy and/or employment details

No medicals are required for this decrease request. BIAI confirms the revised premium.

What to have ready

• Policy number and policy specifications or benefits schedule.
• Requested lower cover amount.
• Requested effective date.
• Review and sign the Request for Change in Policy form prepared by BIAI.
• The August 2026 checklist lists a $50 processing fee and changes at policy anniversary. BIAI will confirm the charge, effective date and revised premium for your policy before you proceed.

What to have ready

• Scan 1st four pages of the contract
• Return the original contract to the head office to be endorsed
• If necessary additional medical requirements for the new sum insured
• The difference in premium between the old premium and new premium for all the months that have elapsed since the policy was issued.

What to have ready

• Policy number and a copy of the policy specifications or benefits schedule.
• Bank statement matching the direct-credit account, if this payment method is selected.
• Two valid government-issued photo IDs.
• Proof of address dated within three months.
• Review and sign the surrender forms supplied by BIAI.
• If the policy documents are lost, tell BIAI so we can provide the loss declaration and explain witnessing and any fee.
• For an overseas wire payment, provide bank-issued instructions for your account, including bank name/address, account number, SWIFT code and routing number, through the channel agreed with BIAI.

What to have ready

• Proof of address dated within three months: a fixed utility bill, bank or credit union statement, credit card statement, or charge-account statement from a reputable company. Mobile phone bills and correspondence from another insurer are not accepted.
• If using a spouse’s or parent’s address: bring their proof of address and ID, and a letter confirming that you live with them. Both of you must sign the letter in the advisor’s presence; bring the originals for verification.