Long Term Life & Living Benefits Protection: Built Around People, Not Policies
Aceso Insurance Ltd is a Class 2 Long Term Insurer incorporated in Barbados, providing long-term disability and income protection for high-net-worth individuals, business owners, and internationally mobile professionals. We believe insurance should work for people, not the other way around.
In Greek mythology, Aceso was the spirit of the healing process, representing the gradual return to wellness and wholeness. It is a name chosen with purpose.
Insurance exists to help people recover financially, practically, and emotionally when life goes wrong. Aceso Insurance was built around that truth. We provide long-term protection products, including disability and income protection coverage, that are designed not as financial instruments, but as acts of care for the people who hold them.
"People deserve protection that cares for them as individuals, not as risks to be priced, managed, and filed away. Aceso is insurance with a human heart."
Aceso Insurance, Corporate Purpose
A Different Kind of Insurer
Most insurance companies talk about their financial strength, their product features, and their claims ratios. All of these things matter, and Aceso delivers on all of them. But we believe that they are not what makes a truly great insurer.
What makes a great insurer is the decision, at every moment, to put the policyholder first. To design products that genuinely protect rather than exclude. To process claims with compassion rather than suspicion. To communicate clearly rather than in impenetrable policy language.
That is the Aceso difference. It is built into our culture, our products, and the way every member of our team approaches their work.
"Barbados gives us a home that reflects our values: a culture built on warmth, community, and the belief that people should look after each other."
Our Home
Aceso Insurance is incorporated in Barbados, a jurisdiction chosen for reasons that matter to our clients as much as to us.
The Financial Services Commission of Barbados regulates Aceso as a Class 2 Long Term Insurer. Our clients and distribution partners can take confidence from this regulatory oversight, knowing that Aceso operates to the highest governance standards in a respected international financial centre.
Barbados is an internationally respected financial centre with a regulatory framework overseen by the Financial Services Commission (FSC), grounded in English Common Law, and meeting the highest international standards for transparency and cooperation. It is OECD-compliant, EU white listed, and fully FATF-approved. Aceso Insurance is independently audited by Deloitte.
For an insurer whose clients live and work across international markets, Barbados’s network of bilateral agreements and its standing with international regulators provides the jurisdictional confidence that long-term insurance arrangements require. When your disability coverage needs to be honoured in a different country from where it was issued, the standing of your insurer’s home jurisdiction matters.
OECD CompliantEU White ListedFATF ApprovedAudited by Deloitte
A Pelicor Group Company
Aceso Insurance Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses. Pelicor Group provides the governance, capital management, and institutional framework that policyholders deserve from an insurer making long-term promises.
Aceso Insurance Ltd was established around a conviction that has shaped every decision we have made: people deserve insurance that cares for them as individuals.
That sounds simple. In practice, it requires a constant commitment to putting the policyholder, not the premium, the claims ratio, or the policy wording, at the centre of everything we do.
We believe the best insurance company is one that genuinely helps its clients through difficult times. That aspiration should be reflected in every product we design, every claim we process, and every interaction we have with the people we serve.
"We combine the warmth of a purpose-driven company with the rigour and financial strength that comes from being a Pelicor Group company."
Our Values
The Principles We Live By
Warmth
Insurance touches people at their most vulnerable moments. Warmth is not a nice-to-have for Aceso. It is a professional and ethical standard we take seriously.
Rigour
Warmth without rigour is just sentiment. Aceso products are actuarially sound, financially robust, and governed to the highest standards. That is what allows us to keep our promises.
Clarity
Insurance should not require a lawyer to understand. Aceso is committed to policy language that is clear, products that do what they say, and claims processes that are straightforward.
Integrity
We do not overpromise and underdeliver. If a claim should be paid, we pay it. If a product does not meet a client's needs, we say so. Trust is earned by consistent honesty, not by marketing.
Our Promise
We promise to design products that genuinely help, handle claims with speed and compassion, and honour every commitment we make — wherever in the world our policyholders need us.
The Group Behind Aceso
Aceso Insurance is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses. Visit Pelicor Group to learn more about the group's scope and leadership.
Aceso specialises in disability and income protection, covering the financial consequences of illness and incapacity for individuals and the businesses they run.
Designed for Complex Lives
For high-net-worth individuals and business owners, these financial consequences extend well beyond lost income. Investment portfolios, business obligations, debt service, and family arrangements can all be disrupted by an event that standard coverage was not designed to address. Our products are designed for that reality, available internationally, structured through Barbados, and administered to the highest standards. Coverage is subject to policy terms and conditions, and the information on this site is provided for general informational purposes.
Protection Product
Income Protection
Income Protection provides a structured monthly benefit when illness or injury prevents you from working, replacing a portion of your income for the duration of the qualifying incapacity. For high-net-worth individuals, this means maintaining the financial commitments, investment obligations, debt service, and family support structures that do not pause when your income does.
Monthly benefit payments triggered by defined disability or incapacity
Own-occupation and any-occupation definitions available
Benefit periods tailored to individual circumstances and risk profile
Structured to complement Enhanced Disability Coverage where both apply
Flagship Product
Enhanced Disability Coverage
Enhanced Disability Coverage addresses the most serious end of the disability spectrum: events that are total, permanent, or catastrophic in nature, where the financial impact cannot be absorbed through income protection alone. It responds at the moment of greatest financial vulnerability, providing structured benefit options calibrated to the severity and duration of the event.
Covers total permanent disability and long-term incapacity
Addresses catastrophic health events including severe neurological, musculoskeletal, and systemic conditions
Lump-sum and ongoing benefit structures available depending on circumstance
Serves as the disability trigger for Business Overhead Insurance coverage
Assessment framework built for clarity, so policyholders understand exactly what qualifies
For Business Owners
Business Overhead Insurance
For business owners, a period of serious incapacity raises a question that personal coverage does not answer: who pays the business's bills while the business waits for its key person to return? Business Overhead Insurance ensures that a company's fixed operating costs continue to be met during a period of disability, protecting the business itself alongside the individual.
What It Covers
Rent, staff salaries, loan repayments, professional fees, and other fixed operating costs, continuing through the duration of the disability event.
The Disability Trigger
Business Overhead Insurance activates through Aceso's Enhanced Disability Coverage. When Enhanced Disability is triggered, both products respond simultaneously, protecting income and business continuity from a single qualifying event.
Who It Is For
Any business, regardless of size or sector, that carries fixed overhead obligations. The policy is purchased by the company to protect its own continuity, not by the individual.
Reach Us
Contact Aceso Insurance
Send Us A Message
Send an Enquiry
Enquiries are accepted from individuals, distribution partners, brokers, and reinsurers.
Aceso Insurance Ltd is a licensed insurance company. Insurance products may not be available in all jurisdictions. Persons seeking coverage should confirm that any product is appropriate for their individual circumstances. Independent financial advice is always recommended.
Privacy Policy
Aceso Insurance Ltd.
This Privacy Policy explains how Aceso Insurance Ltd. ("Aceso", "we" or "us") collects, uses, shares, and protects your personal information when you use our website and services, in accordance with the Barbados Data Protection Act, 2019 (Cap. 579B) (as amended, the "Act"). We are committed to complying with the Act and maintaining the trust of our customers and stakeholders through the responsible and ethical use of data, and strive to handle personal data transparently, with due care, and in a fair and lawful manner.
What personal data do we collect?
We may collect various types of personal data depending on your interaction with our website and services, including:
Individual details: Name, address, email address, phone number, date of birth, gender, and other contact information
Identification details: Government-issued identification numbers as required for certain services
Financial information: Bank account details or payment information for processing premiums and claims payments
Website usage data: Information about your visits to our website, including your IP address, browser type, operating system, pages viewed, and the dates and times of your visits
Cookies and tracking technologies: We use cookies and similar technologies to collect information about your browsing activities on our website. You can manage your cookie preferences through our cookie settings
Communication data: Records of your communications with us, including emails and phone calls
How do we collect your personal data?
We collect personal data in the following ways:
Directly from you: When you provide information through our website forms, applications, or when you communicate with us
From authorised third parties: When you provide information to a third party authorised to share such information with us
Automatically: When you browse our website, we may collect certain information automatically through cookies and other tracking technologies
How do we use your personal data?
We may use your personal data for various purposes, including:
To provide and administer our insurance products and services (Contractual necessity)
To communicate with you, respond to your enquiries, and provide customer support (Consent)
To process transactions and manage your account (Consent and Contractual necessity)
To personalise your experience on our website (Consent)
To improve our website and services (Consent)
For marketing purposes, where permitted by law, including sending you promotional materials and updates about our products and services (Consent, where required, or legitimate interests). You can opt-out of these communications at any time
To prevent fraud and ensure the security of our website and services (Consent)
To comply with legal and regulatory obligations (Legal obligation)
How and when do we disclose personal data to third parties?
We may share your personal data with third parties in the following circumstances:
Affiliates: Other companies within the Aceso Insurance Ltd. group
Service providers: Third-party vendors who provide services on our behalf, such as IT support, data analytics, and marketing assistance. We require these service providers to protect your personal data
Business partners: With whom we collaborate to offer certain products or services, including reinsurance companies
Legal and regulatory authorities: When required by law or to comply with legal processes
In connection with a business transfer: In the event of a merger, acquisition, or sale of all or a portion of our assets
We do not share your personal data with third parties for their direct marketing purposes without your explicit consent.
Data security
We have implemented reasonable technical and organisational security measures to protect your personal data against unauthorised access, use, disclosure, alteration, or destruction. These measures are regularly reviewed and updated to maintain their effectiveness. However, we cannot guarantee the absolute security of your information.
Data retention
We will retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by the Act and any applicable laws and regulations.
Your rights regarding your personal data
Subject to applicable law, you may have the following rights regarding your personal data:
Right to Access: You have the right to request access to the personal data we hold about you
Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data
Right to Erasure: You have the right to request the deletion of your personal data under certain circumstances
Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data under certain circumstances
Right to Data Portability: You may have the right to receive your personal data in a structured, commonly used, and machine-readable format and to transmit it to another controller
Right to Object: You may have the right to object to the processing of your personal data under certain circumstances, including for direct marketing purposes
Right to Withdraw Consent: If we process your personal data based on your consent, you have the right to withdraw your consent at any time
Right to Complain: You have the right to lodge a complaint with the Barbados Data Protection Commissioner if you believe that we have not complied with applicable data protection laws
To exercise any of these rights, please contact us using the contact information provided below. We may require you to verify your identity before processing your request.
Cookies and tracking technologies
Our website uses cookies and other tracking technologies to enhance your browsing experience and collect information about how you use our site. You can manage your cookie preferences through our cookie settings.
International data transfers
Your personal data may be transferred to and processed in countries outside of Barbados. In such cases, we will ensure that appropriate safeguards are in place to protect your personal data in accordance with applicable data protection laws.
Governing law
This Privacy Policy shall be governed by and construed in accordance with the laws of Barbados and the provisions of the Barbados Data Protection Act. Any legal action or proceeding arising out of or relating to this policy shall be brought exclusively in the courts of Barbados.
Updates to this privacy policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post any changes on this page and update the "Last Updated" date. We encourage you to review this Privacy Policy periodically.
Contact details
Aceso Insurance Ltd. GH Tower, Suite 500B Holetown, St James, Barbados info@acesoinsurance.com
