RF&G Insurance Company

In 2005, F&G and Regent Insurance two of Belize's largest and oldest insurance companies merged to create a new company, RF&G Insurance.

The company is a new wholly owned subsidiary of G.A.Roe and Sons Ltd, whose diverse commercial interests in Belize make up the Roe Group of Companies. Annual Premium Income for RF&G Insurance is some 40 Million Belize dollars and represents a market share of over 50%. RF&G Insurance has a current paid up capital of 5 Million Belize Dollars.

My review of RF&G Insurance Company Ltd  is that a clearer explanation or disclosure of terms needs to be forced upon the independent agents that represent Bupa Health Insurance World Wide. In my case RF&G Insurance of Belize sold my wife Jan and I our ex pat insurance plan. No time during the sales process with RF&G Insurance was the 90 day waiting period from RF&G Insurance or BUPA Health Insurance been disclosed.

When Jan became ill it was clearly explained in the BUPA Health Insurance policy that prior to any health care we were to contact BUPA Health Insurance and inform them of the situation. With BUPA Health Insurance Card in hand I began the process of attempting to get through to BUPA Health Insurance. Once that was accomplished they could not find my policy and the number on the card was not valid.

I also contacted RF&G Insurance Company of Belize who promptly sent over a representative to discuss the situtation at the hospital Belize Health Partners. I could tell upon the RF&G Insurance Company staff arriving that the hospital staff was on alert. Rhonda Lecky the General manage at RF&G Insurance Company offered little actual assistance with the issues we were facing with Bupa Insurance Company. 

Considering my was was in a critical state this added enormous pressure. As a last resort I contacted my Attorney Robert P. Martin of  Bailey & Wyant, PLLC for help. It took Attorney Robert P. Martin till the next day to sort out what was going on. In my wife Jan’s condition we moved ahead to get her medical care right away.

Once Bupa Health Insurance Company got back to us in Belize the only message was all coverage was denied. No reason, no explanation. Attorney Robert P. Martin pursued and answer from the Bailey & Wyant, PLLC office on West Virginia nothing. The person we should talk to is on vacation. Then whom we ask made this decision to deny coverage?

After Jan’s death RF&G Insurance supported Bupa Insurance position of no coverage. The end of the story with RF&G Insurance was that Jan had purchased a life insurance policy from RF&G Insurance which they RF&G Insurance denied as well. I think they RF&G Insurance were hoping I would Leave Belize and not fight this case.

My name is James Fredrick Jensen I am a Canadian that lived in Belize on the Island of San Pedro, this another chapter of my Novella about the time that past after my Wife Janis Died in Central America.

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