Critical illness cover

More room to focus on recovery.

Illustrative peaceful room with a reading chair and garden light — For the people who make it all matter.

When recovery comes first,
what keeps everyday life going?

A covered critical illness can affect earnings, family routines and the cost of care. Critical illness insurance may provide a lump sum to help with everyday bills, support at home or recovery expenses when the policy’s definitions and conditions are met. We’ll help you understand how it fits alongside health insurance and existing savings.

A question for your situation

If recovery took time, how would you keep everyday commitments on track?

The right approach depends on your circumstances, existing arrangements and the provider’s current terms. We’ll help you understand the details in a consultation.

Your next step

Getting ready for Critical illness cover

Begin with the quotation or consultation for this policy. Once you accept a quotation, use the relevant application checklist below. BIAI will guide you through the official forms and signatures.

Critical Illness Application

Sagicor Life

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.

I’ve accepted my quotation or BIAI has asked me to prepare my application.

Ask about this request →

First premiums: Life, Critical Illness, Peace Assured & Retirement

Sagicor Life

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

Starting a Life, Critical Illness or Peace Assured policy, or a Sagicor Life retirement plan? Confirm your approval, policy number, initial premium and payment instructions with BIAI before paying.

Your first premium: pay in person or by wire transfer

In person: visit Sagicor Life Inc. at the Sagicor Financial Centre, Building #2, Lower Collymore Rock, St. Michael. Give the cashier your policy number and pay by cash, cheque, credit card, Visa debit or Mastercard debit.
Wire transfer: contact BIAI for the current transfer instructions. Include your name and policy number in the transfer notes so the payment can be allocated correctly.
Email proof of payment to info@blackmaninsure.com so BIAI can confirm with Sagicor that the premium has been applied to your policy.

Confirm when your policy or plan begins

Ask BIAI to confirm the commencement date and any outstanding requirements with Sagicor.
Payment alone does not confirm that an application is approved or that cover has started.
For Peace Assured, the policy’s 24-month waiting period still applies. If the insured dies during that period, only the premiums paid are refunded.

Subsequent premiums: more ways to pay

Preferred option: register on the Sagicor client portal using your policy number and pay by credit card, Visa debit or Mastercard debit. The Sagicor GO app offers the same card-payment options.
In person: return to Sagicor Life with your policy number and pay by cash, cheque, credit card, Visa debit or Mastercard debit.
SurePay online: select Sagicor Life Premium, enter your policy number and pay using your registered bank account or Visa debit card. At a SurePay outlet, provide your policy number and pay by cash, cheque or Visa debit card.
Scotiabank online banking: select Sagicor Life, add your policy number and pay from your savings or chequing account.
CIBC online banking: select Sagicor Life Premium, add your policy number and pay from your savings or chequing account.
Wire transfer remains an option. Request the instructions from BIAI and include your name and policy number in the transfer notes.
Email your proof of payment to info@blackmaninsure.com.

Open Sagicor GO client portal Get the Sagicor GO app Visit SurePay Barbados

Send a request below if you need help paying the first premium or confirming your policy or plan’s commencement date.

Your login and payments take place with the provider. This website does not collect your card details or provide access to your policy records.

Email BIAI for payment assistance →

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.

Ask about this request →

Critical illness claim — start an enquiry

Sagicor Life

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.

Ask about this request →

Critical illness claim — check status or payment

Sagicor Life

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 about this request →

Change of nominee — Critical Illness

Sagicor Life

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.

Ask about this request →

Share sensitive documents only through the channel agreed with BIAI.

Document Scan Guidelines →

A little more perspective

Recovery takes time. The everyday bills may keep coming.

A medical bill and a period without your usual income are different financial questions.

Explore this question

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Critical illness cover

When recovery comes first,what keeps everyday life going?

A question for your situation

Recovery takes time. The everyday bills may keep coming.

Explore related solutions

Term life insurance

Life insurance with cash value

Health insurance

Family health insurance

When recovery comes first,
what keeps everyday life going?