Rf&G Life Insurance Company LIMITED

Rf&G Life Insurance Company LIMITED, a for-profit insurance provider based in Belize City, Belize, supplies specialized insurance services to the U.S. Department of State as a prime contractor exclusively — all 119 awards in the source record are prime delivery orders issued against indefinite delivery contracts, with no subcontract footprint and no set-aside designations across the entire portfolio.

The vendor operates under two parent IDCs, both awarded by the Bureau of Western Hemisphere Affairs. The primary vehicle, IDC 19BH2022D0001, holds a $1.23 million ceiling and was awarded March 1, 2022, with an original performance period through February 2025 (subsequently extended); this contract has generated 54 task orders valued at $1.1 million combined. A second IDC, SBH20016D0002, has generated 63 task orders totaling $811 thousand. Delivery orders under both vehicles are typically firm fixed-price awards ranging from approximately $14,500 to $21,700, with performance periods of one to fourteen months. Representative recent work includes a $20,244.96 delivery order awarded September 3, 2026, for insurance services in Belize (completion October 31, 2026); a $19,801.65 delivery order awarded January 29, 2026 (completion March 1, 2027); and a $21,733.62 delivery order awarded March 18, 2025 (completion March 1, 2027). All work is performed directly in Belize; Rf&G operates without major subcontractors.

Customer concentration is entirely within the Department of State. The Bureau of Western Hemisphere Affairs accounts for 116 of 119 awards and $1.9 million of combined potential value; the U.S. Embassy in Belmopan holds 2 awards ($1.9 million combined potential value, reflecting the IDC ceilings); and the Bureau of Diplomatic Security holds 1 award ($14 thousand). Award activity has remained consistent year over year, averaging 12 to 20 awards annually from 2022 through 2025, with 7 awards in 2026 year-to-date. Thirteen awards (combined potential value $263 thousand) have ultimate completion dates within the next twenty-four months and face recompete exposure.

The vendor's portfolio is categorized entirely under NAICS 561599 (Insurance Agencies and Brokerages), with PSC coding split between Social Non-Government Insurance Programs (45 awards), Social Government Insurance Programs Other (70 awards), and Social Government Life Insurance Programs (4 awards). Rf&G has maintained a continuous contracting relationship with the State Department since registering in the System for Award Management in March 2016, providing insurance coverage for both diplomatic personnel protection and locally-employed staff at U.S. embassy facilities throughout Latin America and the Caribbean.