
About Us (9)
We are here to help you reach your financial goals, protect your assets and secure the future of your loved ones. For service that is second to none, contact one of our professional service representatives.
Name | Position | Contact Phone | E-Mail Address |
---|---|---|---|
Clement V. Ruan | Managing Director | (264) 497-3525 (ext 23) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Dana P. Ruan | Assistant Director | (264) 497-3525 | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Wanda A. Brooks | Assistant General Manager/ Senior Property & Casualty Executive | (264) 497-3525 (ext 26) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Minelvar C. Anderson | Assistant Office Manager/Compliance Officer | (264) 497-3525 (ext 30) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Sandra Liddie Gumbs | Senior Accountant | (264) 497-3525 (ext 25) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Jenny Bertin | Business Development Coordinator /Senior Life & Health Executive | (264) 497-3525 (ext 28) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Fagan Dilano Francis | Senior Account Executive (General, Life & Health) | (264) 497-3525 (ext 33) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Ana Ruan Lawrence | Senior Claims Officer | (264) 497-3525 (ext 32) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Regine A. Niles | Administrative Assistant (General, Life & Health) | (264) 497-3525 (ext 34) | This email address is being protected from spambots. You need JavaScript enabled to view it. |
Phaedre S. Delaney | Junior Administrative Assistant | (264) 497-3525 (ext 21) | This email address is being protected from spambots. You need JavaScript enabled to view it. |

MAILING ADDRESS:
D-3 Enterprises Limited
Caribbean Commercial Center
P.O. Box 1377
The Valley, AI-2640, Anguilla
GENERAL ENQUIRIES:
Tel: (264) 497-3525 or 5325 or 5526
Fax: (264) 497-3526
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Replace "Get A Quote" button with search box which should appear at top of page.
New twist to the picture concept:
Could we please have the logo in the center of the page and have "INSURANCE YOU CAN DEPEND ON..." and the pictures,which will be sent in a separate email, (the remainder will be sent no later than Wednesday of next week) moving around the logo in the shape of an infinity symbol or circling the logo as if on an axis without obstructing the view of the logo?
Under that should say "Dependable; Durable; Dynamic"
Life (Term, Universal, Indexed, Whole Life) Insurance
Term life insurance, also known as pure insurance, provides a specific amount of coverage on the life of an insured at a fixed rate of payments for a specific period of time. Once the policy is expired, it is up to the policy owner to decide whether to renew the term life insurance policy or to let the coverage terminate. Renewal premiums are likely to be higher due to the change in the insured's age.Whole Life Insurance is life insurance which can provide lifetime protection at a level premium. All Whole Life policies build up cash values.
Universal Life Insurance is a type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance).

Critical Illness Insurance
A critical illness plan covers catastrophic illnesses such as cancer, cardiovascular complications, organ transplant or any kind of major trauma.
Aviation Insurance
Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation.
Cancer & Dreaded Illnesses Insurance
One of every three persons will become a critical illness victim. Our Cancer program is designed to pay benefits directly to the insured and independently of any other insurance the insured may have.
Worldwide Travel Insurance
An insurance product designed to cover the costs and reduce the risk associated with unexpected events during domestic or international travel.
Final Expense Plans
A whole life insurance plan designed to cover funeral expenses.
Medical (Individual & Group) Insurance
Major Medical InsuranceIndividual Major Medical Insurance covers major medical expenses up to a specified maximum limit, usually after a deductible and/or co-insurance is met.
Group Medical Insurance
Provides healthcare coverage to a select group of people. Group health insurance plans are one of the major benefits offered by many employers. Group health insurance plans usually cost less for participants than individual plans that offer the same benefits. One major reason for lower premiums is because claims risks are spread over the entire group rather than on one person.

Air Ambulance Insurance
Air Ambulance Insurance is a form of insurance coverage that handles emergency medical service situations. If a policy holder is in need of an aircraft transport due to an illness or injury that cannot be treated in the country where the insured is, an air ambulance is called.
When the user clicks on the 'Policy Holder Services' tab it should lead to a page showing the following disclaimer:
Please click on the button below to notify us of any changes you would like made to your policy coverage. Please note that this form is for notification purposes only and does not constitute making an actual change. One of our representatives will contact you shortly after receiving your notification.
Disclaimer: I understand that this does not constitute an actual amendment to my policy, but is rather a notification to my agent, and may help expedite my request.
[ ]I have read and agree with the above disclaimer.
(Box must be checked before request can be sent)
Button takes customer to email page - This email address is being protected from spambots. You need JavaScript enabled to view it.
Financial Services
Life InsuranceConsultancy Services
Company Management
Pension, Investments, Annuities
Mission Statement
“To be decisive, dependable and durable by providing exemplary service to clients, representing companies and the society.”
Vision Statement
To be the brokerage firm of choice for insurers and the insuring public through the delivery of world class products and services.
History
Founded on May 21 1988, D-3 Enterprises Limited is a leader in the business of insurance services in Anguilla, West Indies. Our multiple services Agency provides a wide range of insurance services with unmatched customer service. Our affiliation with leading “World Class” insurance companies provides confidence and assurance to all who secure coverage through D-3 Enterprises Limited. In addition to insurance services, D-3 Enterprises provides effective and efficient Company Management Services. D-3 Enterprises’ management team has over 75 years of insurance experience, and professional training. By providing security to people, businesses and institutions, D-3 Enterprises Limited is a TRUE partner in the financial, economic and social development of our community.
Testimonials
In the time of utmost need and frustration, it is good to know that there are people and a company you can count on. My family and I, take this opportunity to officially thank D-3 Enterprises Limited, its management and able staff for the display of professionalism and care extended to us during my recent injury which resulted in me being flown to Panama for Critical Medical Care. They stood by my side up until the time I was transported to the Air Ambulance an they ensured that all the necessary arrangements were made for my arrival. Family members who traveled with me were adequately taken care of during our stay in Panama.
Thank you for all your help. You have made this critical time in our lives so much easier. Having your Medical and Air Ambulance Insurance reduced our financial burdens.
I would encourage anybody reading this to get Medical Insurance and Air Ambulance coverage from D-3 Enterprises Limited, you can be sure that the Company Management and Staff will be there when you need them......I am proof of that....Thanks again to you D-3 Enterprises Limited! --Randy Hodge
There are many companies, but not all of them you can count of when you really need them. I have recently experienced a situation in my life that had it not been for me making the right decision to enroll my family in the Air Ambulance coverage offered by D-3 Enterprises Limited, I would have been a widow today.
When medical care cannot be had in your country of residence, due to the critical nature of the situation it is no time to toss a coin for good luck, The cost to be flown overseas by Air Ambulance service was way above the finances we had saved. That is why it is important to have insurance you can depend on. For a cost of approximately US$-.62 a day, my husbands's Air Evacuation cost was paid 100% to fly him to Puerto Rico and return Air Fare cost to his country of residence.
In addition to 100% evacuation coverage, D-3 Enterprises went beyond their call of duty and contributed significantly to the cost of husband's medical care cost out of the kindness of their heart.
Thank you D-3 Enterprises - Management and Staff for your act of kindness and generosity and for your words of strength and encouragement to me and my family. --Hulda Romney
MAILING ADDRESS:
D-3 Enterprises Limited
Caribbean Commercial Center
P.O. Box 1377
The Valley, AI-2640, Anguilla
GENERAL ENQUIRIES:
Tel: (264) 497-3525 or 5325 or 5526
Fax: (264) 497-3526
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Thank you for your request. We will be contacting you shortly.
--The D-3 Team