Disability & income protection

Support for the commitments that continue when work stops.

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

If work has to wait,
your bills may not.

Illness or injury can interrupt your earnings while household bills continue. Depending on the arrangement, protection may provide income, a lump sum or help keep insurance premiums paid. These benefits work differently. A consultation will help you explore the available options alongside your sick pay, savings and existing cover.

A question for your situation

How long could your household manage if you could not work?

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 Disability & income protection

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.

Disability & income protection

Sagicor Life

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.

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

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Disability claim — start an enquiry

Sagicor Life

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.

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Disability 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.

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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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Disability & income protection

If work has to wait,your bills may not.

A question for your situation

Recovery takes time. The everyday bills may keep coming.

Explore related solutions

Term life insurance

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If work has to wait,
your bills may not.