Personal Accident & Illness

RFIB’s Personal Accident and Illness insurance and reinsurance team designs and places a wide range of both binding authorities and direct facultative risks on behalf of clients around the world. Perils covered include war, invasion, terrorism and hazardous activities and the team caters for everything from mainstream individual and corporate risks to more specialist areas such as private security companies and professional sports teams and athletes. Reflecting this, our clients span from insurance companies, corporate entities and individuals.

Our particular areas of expertise include:

  • Accidental death
  • Term Life
  • Credit life
  • Medical and repatriation expenses due to accident 
  • Permanent Disability (PD) by accident or illness (scale benefits)
  • Temporary Total Disablement (TTD) by accident or illness - ie to pay the insured persons weekly wage if unable to attend to their business occupation
  • Temporary Partial Disablement (TPD) – ie to pay the insured persons weekly benefits if an insured individual is unable to attend to a substantial part of their business or occupation