Privacy Policy
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These terms and conditions must be read in their entirety. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof. Information on this website is provided “AS IS” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave this site, either by using a link we may have provided for your convenience or by specifying your own destination, The Beacon insurance Company Limited accepts no responsibility for the content, products and/or services provided at these non-Beacon locations. The Beacon does not control, endorse, promote or have any affiliation with any other website unless expressly stated herein.

Limitation of Liability

The Beacon Insurance Company Limited and its subsidiaries and associate companies shall not be liable in contract, tort or otherwise for any direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with the use of this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of
performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure whatsoever resulting from the use of the site, this server or the Internet generally.

Changes to This Site

Information may be changed or updated without notice. The Beacon Insurance Company Limited has no obligation to update information presented on this website, so information contained herein may be out of date at any given time. The Beacon may also make improvements and/or changes in the products and/or programmes described in this information at any time without notice.


The Beacon logo, The Beacon Insurance Company Limited, Guiding You Every Step of the Way, Beacon Life, Beacon Health, Term Protector, Critical Illness Protector and all other trademarks, service marks, trade names, logos, domain names, URLs and icons (“Marks”) appearing on this website, registered or not, are the property of The Beacon Insurance Company Limited or their respective owners. Nothing on this website grants you any right or license to use any of the Marks on this site without the express written permission of The Beacon Insurance Company Limited or the third party owners of the Marks. Unauthorised use may violate trademark and other laws.

Not a Substitute for Professional Health Care or Advice

The health information contained in these websites (e.g., Health Tips) is general in nature and is not a substitute for professional health care. It is not meant to replace the advice of health care professionals. If you have specific health care needs, or desire complete health information, please see a doctor or other health care provider.


Calculators are used as a guide only.


All information submitted to The Beacon Insurance Company Limited via this website shall be deemed and remain the property of The Beacon Insurance Company Limited. The policy of The Beacon is to adhere to a duty of confidentiality. The Beacon undertakes
not to divulge any personal information provided by you such as address, e-mail, telephone, income etc. to any third parties unless we have informed you, been authorized by you or are required to do so by law. It is at the Internet user’s discretion whether or not to communicate information to The Beacon through this website. However, there is no guarantee that the transmission of information on this site will be private and secure from third party unauthorized access. The Beacon, its subsidiaries and associate companies shall not be liable for any damage as a result of your transmission of confidential or sensitive information when using this site.

Governing Law

Use of this site and the terms and conditions herein shall be governed by the Laws of Trinidad and Tobago, without giving effect to any principles of conflicts of laws.

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