BF&M Ltd today announced earnings of $11.35 million for the first half of the year a six percent rise from the $10.71 million earned in same period in 2010.The company took in six percent more in premiums and three percent more in investment income, and also saw a double-digit percentage decrease in claims and benefits payments.CEO John Wight said the earnings represented a 12 percent return on shareholders’ equity and added: “We were satisfied overall with the company’s financial results given the current economic climate in Bermuda which is very challenging for many of our policyholders.”