TABLE OF CONTENTS - Trinidad and Tobago dollar › sites › default › files... · TABLE OF CONTENTS 1. REPORT OF THE CENTRAL BANK OF TRINIDAD 1.01 - 1.05 AND TOBAGO FOR THE YEAR

REPORT ON INSURANCE AND PENSIONS �

TABLE OF CONTENTS

1. REPORTOFTHECENTRALBANKOFTRINIDAD 1.01 - 1.05 ANDTOBAGOFORTHEYEARENDEDDECEMBER31,2005.

2. OVERVIEWOFTHEINSURANCEINDUSTRY 2.01 - 2.06

FIGURES 1. Gross Premium Distribution 2. Policies in Force - Long Term Insurance Business �. New Policies written - Long Term Insurance Business 4. Total Statutory Fund Investment Securities

PART I INSURANCE COMPANIES

3. LONGTERMBUSINESS �.01 - �.19 Existing Business New Business Written Policies Discontinued or Redeemed Policy Loans Statutory Funds Local Asset Ratio Revenue Account Distribution of Premium Income Reinsurance Valuation Reports

FIGURES 5. Long Term Insurance Business - New Business Written 6. Long Term Insurance Business - Policies Discontinued/Redeemed 7. Long Term Insurance Business - Premium Income Distribution 8. Long Term Insurance Business - Net Premium Income 4. GENERALINSURANCEBUSINESS 4.01 - 4.2� Existing Business Statutory Deposits General Insurance - Motor Statutory Funds Change in Premium Income - Motor Underwriting Results Reinsurance General Insurance - Other Than Long-term or Motor Existing Business Change in Premium Income Underwriting Results Reinsurance General Insurance - Solvency Test

ParagraphReference

REPORT ON INSURANCE AND PENSIONS4

TABLE OF CONTENTS CONTINUED

ParagraphReference

FIGURES 9. Motor Insurance Business - Net Premium Income 10. Other Insurance Business - Net Premium Income

5. ASSOCIATIONOFUNDERWRITERS 5.01 - 5.0� Registration Intermediaries Volume of Business

PART IIINSURANCE INTERMEDIARIES

6. INSURANCEINTERMEDIARIES Registration 6.01 - 6.04 Examinations Revenue

PART IIIPENSION FUND PLANS

7. PENSIONFUNDPLANS Registration 7.01 - 7.17 Amendments Revenue Annual Accounts Balance Sheets Results and Recommendations of Actuarial Valuations FIGURES 11. Pension Fund Plans - Contributions 12. Pension Fund Plans - Assets of Self Administered Plans

APPENDICES

APPENDIX A APPENDIX B

APPENDIX C

APPENDIX D

APPENDIX E

- Summary of Balance Sheets of Insurance Companies - List of Agents Registered under the Insurance Act, Chap. 84:01 as at December �1, 2005 and their Anniversary Dates.- List of Brokers Registered under the Insurance Act, Chap. 84:01 as at December �1, 2005 and their Anniversary Dates.- List of Adjusters Registered under the Insurance Act, Chap. 84:01 as at December �1, 2005 and their Anniversary Dates.- List of Pension Plans Registered as at December �1, 2005.

REPORT ON INSURANCE AND PENSIONS 5

TABLE OF CONTENTSCONTINUED

LISTOFTABLES

TABLE 1 Revenue Account in respect of Long-term Insurance.

TABLE II Revenue Account in respect of Ordinary Life, Pension and Annuity Insurance.

TABLE III Revenue Account in respect of Industrial Life Insurance.

TABLE IV Revenue Account in respect of Non-Cancellable, Sickness and Accident Insurance.

TABLE V Revenue Account in respect of Group Life Insurance.

TABLE VI Revenue Account in respect of Group Pension Insurance.

TABLE VII Revenue Account in respect of Deposit Administration Contracts/Unit Linked Funds.

TABLE VIII Long-term Insurance Business - Insurance Discontinued or Redeemed during 2005

TABLE IX Insurance in Force.

TABLE X Long Term Insurance - Annuity Business.

TABLE XI Statement of Statutory Fund 2005 - Liabilities to Policyholders (Long-term Business).

TABLE XIA Statement of Statutory Fund 2005 - Securities held in Trust (Long-term Business).

TABLE XII Revenue Account in respect of Motor Insurance - 2005.

TABLE XIII Statement of Statutory Fund - Liability of Policyholders and Assets held in Trust - Motor Insurance.

TABLE XIV Underwriting results in respect of Motor Business.

TABLE XV Revenue Account in respect of Other than Long-term or Motor.

TABLE XVI Revenue Account in respect of Property Insurance

TABLE XVII Revenue Account in respect of Miscellaneous General Insurance.

TABLE XVIII Revenue Account in respect of Liability Insurance.

TABLE XIX Revenue Account in respect of Personal Accident Insurance.

TABLE XIXA Revenue Account in respect of Group Health Insurance.

TABLE XX Revenue Account in respect of Marine, Aviation and Transport.

TABLE XXI Underwriting results in respect of Property Insurance.

TABLE XXII Summary and Valuation of the Policies of American Life and General Insurance Company (Trinidad and Tobago) Limited in respect of Long- Term Insurance Business as at December �1, 2005.

TABLE XXIII Summary and Valuation of the Policies of Bancassurance Caribbean Limited as at December �1, 2005.

TABLE XXIV Summary and Valuation of the Policies of British American Insurance Company (Trinidad) Limited as at December �1, 2005.


TABLE OF CONTENTSCONTINUED

LISTOFTABLES(continued)

TABLE XXV Summary and Valuation of the Policies of Colonial Life Insurance Company Limited

as at December �1, 2005.

TABLE XXVI Summary and Valuation of the Policies of CUNA Caribbean Insurance Society

Limited as at December �1, 2005.

TABLE XXVII Summary and Valuation of the Policies of Guardian Life of the Caribbean as at December �1, 2005.

TABLE XXVIII Summary and Valuation of the Policies of Sagicor Life Incorporated Nationwide Insurance Company Limited as at December �1, 2005.

TABLE XXIX Summary and Valuation of the Policies of as at Scotia Life of Trinidad and Tobago Limited October �1, 2005.

TABLE XXX Summary and Valuation of the Policies of Tatil Life Assurance Limited as at December �1, 2005.

TABLE XXXI Summary and Valuation of the Policies of The Demerara Life Assurance Company of Trinidad and Tobago Limited as at December �1, 2005.

TABLE XXXII Annuity Pension Fund Plans - Revenue Account 2005.

TABLE XXXIII Deposit Administration Pension Fund Plans – Revenue Account 2005.

TABLE XXXIV Self Administered - Balance Sheet 2005.

TABLE XXXV Self Administered Pension Fund Plans - Revenue Accounts 2005.


FOR THE YEAR ENDED �1ST DECEMBER, 2005REPORT ON INSURANCE AND PENSIONS

The Honourable Prime Minister of the Republic of Trinidad and Tobagoand Minister of FinanceMinistry of FinanceEric Williams Finance BuildingEric Williams PlazaIndependence SquarePORT OF SPAIN

Dear Sir

1.01 I have the honour to submit to you for presentation to Parliament the Thirty-eighth Annual Report on the administration of the Insurance Act being presented by the Central Bank of Trinidad and Tobago

1.02 This Report is submitted under the Insurance Act, Chap 84:01 and is for the period ended �1st December, 2005.

1.0� The Act requires that Returns on the financial performance of companies be submitted within six (6) months of the financial year of each company.

1.04 This report is prepared in three parts

PartI INSURANCE COMPANIES A - LONG-TERM INSURANCE B - GENERAL INSURANCE

PARTII INSURANCE INTERMEDIARIES

PARTIII PENSION FUND PLANS

1.05 A summary of the Balance Sheets of insurance companies is also provided at Appendix A.

Respectfully submitted

EWART WILLIAMSGOVERNORCENTRAL BANK OF TRINIDAD AND TOBAGO


2. OVERVIEWOFTHEINSURANCEINDUSTRY

2.01 In 2005, Gross Premium Income in the industry totaled $5,818.7 million which represents 6.1% of the Gross Domestic Product at current prices (2004 - 8%). This is a decrease of �.9% over the gross premiums of $6,055.� million reported for 2004.

2.02 Gross Premiums Income for the year increased in respect of Motor Vehicle, Property and the group of classes classified as ‘Other than Motor, Property and Long-term Business’. There however was a decline in gross premiums in respect of Long Term Business.

Details are as follows:

OVERVIEW OF THE INSURANCE INDUSTRY

GROSS PREMIUM INCOME

4,097.2588.1520.261�.2

5,818.7

2005$M

4,667.8495.6

501�90.9

6,055.3

2004$M

(12.2)18.7

�.856.9

(3.9)

%Inc/(Dec)

Long Term (Life)Motor VehicleProperty (Fire and Allied Perils)Other

(See Figure 1)

LONG-TERM BUSINESS

2.0� Policies in force at the end of 2005 were reported as 505,750, an increase of 5.7% over the 2004 reported figure of 478,267.

(See Figure 2)

The total number of new policies sold during 2005 was 6�,168, a decrease of 0.68% over the previous year.

(See Figure 3)

Policy lapses decreased by 40.5% in 2005 compared to a 12.5% increase during 2004. Surrenders decreased by 5.0% in 2005 compared to a 14.�% increase during 2004.

Statutory Funds in which investments are pledged to support policyholder liabilities totaled $17.2 billion (2004 – $16.9 billion).

(See Figure 4)


GENERAL INSURANCE BUSINESS

2.04 Gross Premiums increased in respect of Motor Business, Property and the group of classes classified as ‘Other than Motor, Property and Long-term Business’. Net Premiums increased in respect of Motor Business, and the group of classes classified as ‘Other than Motor, Property and Long-term Business’ and decreased in respect of Property business.

INSURANCE INTERMEDIARIES

2.05 The number of intermediaries registered at the end of 2005 was 2,140 (2004 - 1,9�2).

The information is summarized as follows: -

PENSION FUND PLANS

2.06 The number of pension fund plans registered at the end of 2005 was 256 (2004 - 256).

The information is summarized as follows: -

1,617414

8524

2,140

2005

1,471�64

7522

1,932

2004

9.91�.71�.�

9.110.7

%Inc/(Dec)

SalesmenAgentsBrokersAdjusters

91

109

55

1

256

2005

90

111

54

1

256

2004

1

(2)

1

-

-

%Inc/(Dec)

Self Administered Pension Fund Plans

Insured Pension Fund Plans

Pension Fund PlansTo be Wound-up

Judicial Management



FIGURE 1GROSSPREMIUMDISTRIBUTION


2005 2004

$M $M

LONG TERM 4,097.2 4,667.8

MOTOR 588.1 495.6

PROPERTY 520.2 501.0

OTHER 61�.2 �90.9

5,818.7 6,055.3


FIGURE 2POLICIESINFORCE

LONG-TERMINSURANCEBUSINESS



FIGURE �NEWPOLICIESWRITTEN

LONG-TERMINSURANCEBUSINESS


REPORT ON INSURANCE AND PENSIONS 1�

FIGURE 4TOTALLONG-TERMSTATUTORYFUNDINVESTMENTSECURITIES

2005 2004

$M $M

T&T GOV’T SEC 1,64� 1,502

MORTGAGES 686 649

REAL ESTATE 898 66�

T&T EQUITIES 6,582 6,4�4

OTHER 7,404 7,645

17,213 16,893



�. LONG-TERM INSURANCE BUSINESS

�.01 There were twenty-four (24) companies registered to transact long-term business in Trinidad and Tobago at the end of 2005. Thirteen (1�) companies wrote new business during the year 2005.

�.02 The types of new business transacted by registered companies were as follows:

COMPANIES

*

*

*

NOT

NOT

*

*

-

*

*

*

1. American Life and General

Insurance Company (Trinidad and Tobago) Limited

2. Bancassurance Caribbean Limited #

�. British-American Insurance Company (Trinidad) Limited

4. Caribbean Atlantic Life Insurance Company (Trinidad and Tobago) Limited +

5. Caribbean Insurance Company Limited

6. Colonial Life Insurance Company (Trinidad) Limited

7 Cuna Caribbean Insurance Society Limited

8. Guardian General Insurance Limited Φ

9. Guardian Life of the Caribbean Limited

10. Maritime Life (Caribbean) Limited

11. Mega Insurance Company Limited~

-

-

*

WRITING

WRITING

-

-

-

-

-

-

*

*

-

NEW

NEW

*

*

*

*

*

-

*

-

-

BUSINESS

BUSINESS

*

-

-

*

*

-

*

*

*

*

*

-

*

*

*

ORDINARYLIFE

INDUSTRIALLIFE

GROUPLIFE

GROUPPENSION

PENSIONANDANNUITY

PART I - INSURANCE COMPANIES

LOCAL


COMPANIES

NOT

*

*

-

NOT

*

NOT

NOT

NOT

*

NOT

NOT

NOT

NEW

-

*

*

NEW

-

NEW

NEW

NEW

*

NEW

NEW

NEW

BUSINESS

-

*

-

BUSINESS

-

BUSINESS

BUSINESS

BUSINESS

-

BUSINESS

BUSINESS

BUSINESS

*

*

-

-

*

ORDINARYLIFE

INDUSTRIALLIFE

GROUPLIFE

GROUPPENSION

PENSIONANDANNUITY

WRITING

-

-

-

WRITING

-

WRITING

WRITING

WRITING

-

WRITING

WRITING

WRITING

LOCAL

12. Nationwide Insurance Company Trinidad Limited

1�. Scotia Life Trinidad and Tobago Limited

14. Tatil Life Assurance Company Limited

15. The Beacon Insurance Company Limited

16. The Demerara Life Assurance Company of Trinidad and Tobago Limited

17. The Reinsurance Company of Trinidad & Tobago Limited

18. The Western General Insurance Company Limited

19. United Security Life Insurance Company

Limited □

REGIONAL

20. Life of Barbados Limited □

21. Sagicor Life Incorporated

OTHER

22. Lincoln Assurance Limited◊

2�. Cuna Mutual Insurance Society

24. Sun Life Assurance of Canada

+ Operating as a closed fund under Guardian Life of the Caribbean Limited. ◊ Formerly Cannon Assurance Limited□ Business transferred to Sagicor Life Inc. # Formerly Crown Life (Caribbean) Limited.~ Formerly GTM Life Insurance Company of Trinidad and Tobago LimitedΦ Formerly Caribbean Home Insurance Company Limited* Denotes business written- Denotes business not written

LONG-TERM INSURANCE BUSINESS


NEWBUSINESSWRITTEN

�.0� Ten (10) companies which wrote new business (thirteen (1�) in 2004) submitted the required information under this caption.

Details are as follows: -

New Business underwritten during the years 2001 to 2005 was distributed as follows:

ExISTINGBUSINESS

�.04 Seventeen (17) Life Companies registered under the Act submitted Returns in respect of insurance existing.

The information is summarized as follows:

2005 2004

505,750 $51,562,�22,�18

478,267 $47,927,208,048

Number of PoliciesSum Assured

2001 2002

928-

2003

Local CompaniesRegionalOther

2004 2005

8911

-

928-

928-

8614

-

6�,168$6,674,�68,604

$�05,509,�66

2005

6�,601$7,0�7,110,07�

$�01,696,904

2004

Number of PoliciesSum AssuredAnnual Premiums

PERCENTAGEOFNEWINSURANCEISSUED(SUMASSURED)

(See Figure 5)

INSURANCE COMPANIES


POLICIESDISCONTINUEDORREDEEMED

�.05 Fifteen (15) companies submitted information concerning the discontinuance and redemption of policies. The information for the years 2001 to 2005 is summarized hereunder.

(See Figure 6)

�9,97847,�954�,�50�5,66642,284

NUMBEROFPOLICIES

SUMASSURED$

20052004200�20022001

4,5�0,0�8,1896,627,56�,8414,602,6�6,795�,�70,487,646�,50�,947,929

YEAR



INSURANCE COMPANIES

FIGURE 5LONG-TERMINSURANCEBUSINESS

NEWBUSINESSWRITTEN

20012002

200�2004

2005

0%

20%

40%

60%

80%

100%

YEAR

Other Regional Local Companies




POLICIESDISCONTINUED/REDEEMED


INSURANCE COMPANIES

�.06 Policies discontinued or redeemed during 2005 have been further classified as follows:

DeathSurrenderForfeitureLapseMaturityMiscellaneousTOTAL

Details are listed in Table VIII

1,42916,100

8,6558,2622,766

2,766�9,978

94,990,6��1,215,0�0,746

792,286,9211,�74,249,519

61,056,172 992,424,1974,5�0,0�8,189

POLICYLOANS

�.07 Policy loans in respect of fifteen (15) companies for the year 2005 totaled $�40,100,962 an increase of 8.6% over the 2004 figure of $�1�,026,411. The ratio of policy loans to total reserves during 2005 remained unchanged from 1.9% in 2004.

POLICYLOANS

$

Local CompaniesRegional CompaniesOtherTOTAL

�19,855,68820,049,�10

195,964�40,100,962

RESERVES

$

POLICY LOAN / RESERVES

%

15,750,770,��81,7��,02�,004

852,99�17,484,646,��5

2.01.2

2�.01.9

NUMBEROFPOLICIES

SUMASSURED$



STATUTORYFUNDS

�.08 Section �7(4) of the Insurance Act, Chap. 84:01 requires that:

“Every company carrying on long-term insurance business in Trinidad and Tobago shall place in trust in Trinidad and Tobago assets equal to its liability and contingency reserves with respect to its Trinidad and Tobago policyholders as established by the balance sheet of the Company as at the end of its last financial year.”

�.09 The total policy liabilities of the twenty (20) companies which submitted Returns amounted to $15,928,218,216 an increase of �.�% over the liabilities of $15,416,�64,716 reported by twenty (20) companies for 2004. Details of the policy liabilities of individual companies are shown in Table XI.

Policy Reserves Outstanding ClaimsOther ReservesTOTAL RESERVESLess:Policy LoansOutstanding PremiumsOther Deductions TOTAL DEDUCTIONSStatutory FundRequirement

456,986129,�84266,62�

852,99�

195,964--

195,964

657,029

Hereunder is a summary of total policy liabilities:

LOCALCOMPANIES

$

REGIONALCOMPANIES

$

OTHER

$

TOTAL

$

14,2�1,045,929 1�2,556,268

1,�87,168,141 15,750,770,��8

�19,855,6884�,044,668

�,8�8,20��66,7�8,559

15,�84,0�1,779

1,696,715,�01 26,778,677 9,529,026 1,7��,02�,004

20,049,�10 �,�71,244 571,752 2�,992,�06

1,709,0�0,698

15,928,218,216159,464,�29

1,�96,96�,79017,484,646,��5

�40,100,96246,415,912

4,409,955�90,926,829

17,09�,719,506


INSURANCE COMPANIES

�.10 Assets placed in trust to cover liabilities to Trinidad and Tobago policyholders amounted to $17.2 billion an increase of 1.8% over the 2004 figure.

�.11 The relationship between policy liabilities and the assets placed in trust to meet these liabilities is shown in Table XIA in respect of each company which transacted long-term business.

�.12 Section 47(2) of the Insurance Act Chap. 84:01 states that:

“.... assets not exceeding ten per cent of the Trinidad and Tobago dollar liability in each statutory fund shall be deemed to be assets in Trinidad and Tobago where such assets -

(a) are approved by the Central Bank; and (b) originate in any of the member states of the Caribbean Community”



Investments trusteed in pursuance of the Statutory Fund Requirement of the Act are detailed hereunder: -

(i) Trinidad and Tobago Government Securities denoted in T&T $ (ii) Mortgages(iii) Real Estate(iv) Trinidad and Tobago Equities (v) Cash on Deposit (vi) Other Trinidad and Tobago “Local” Assets TOTAL TRINIDAD AND TOBAGO “LOCAL” ASSETS(vii) Caricom Assets(viii) Other Caricom Assets denoted in Foreign Currency TOTAL “LOCAL” ASSETS

(ix) Foreign Government Securities(x) Other Foreign Assets TOTAL FOREIGN ASSETS TOTAL ASSETS

2005 2004

$

1,64�,171,428

686,�95,299 897,914,27�

6,582,440,1601,5�1,626,252

2,486,646,��8

1�,828,19�,751

868,154,457

2,987,157

14,699,��5,�65

17�,611,0582,�41,280,8902,514,891,948

17,214,227,�1�

%

9.54.05.2

�8.28.9

14.4

80.�

5.0

0.0

85.4

1.01�.614.6

100.0

%

8.9�.8�.9

�8.05.6

2�.7

84.0

9.8

0.2

9�.9

0.75.�6.1

100.0

(See Figure 4)


INSURANCE COMPANIES

LOCALASSETSRATIO

�.1� Section 47(1) of the Insurance Act, Chap 84:01 requires every company to invest in Trinidad and Tobago an amount equal to at least eighty percent (80%) of its Trinidad and Tobago dollar liability in the Statutory Fund. Section 47(2) further provides that assets not exceeding ten percent (10%) of the Trinidad and Tobago dollar liability in each Statutory Fund are deemed to be assets in Trinidad and Tobago if such assets:

(a) are approved by the Central Bank; and (b) originate in any of the member states of the Caribbean Community.

�.14 Total “Local” investment in Statutory Funds for the year 2005 was $14,699,��5,�65 representing a local asset ratio of 85.4%; the amount reported for the previous year was $15,870,5�8,141 (local asset ratio of 9�.9%).

Details are as follows: -

(i) T&T Government

Securities

(ii) Mortgages

(iii) Real Estate

(iv) T&T Equities

(v) Cash on Deposit

(vi) Other Trinidad and

Tobago “Local Assets”

TOTAL TRINIDAD AND

TOBAGO “LOCAL” ASSETS

(vii) Caricom Assets

(viii) Other Caricom

Assets denoted in

Foreign Currency

TOTAL “LOCAL” ASSETS

LOCALCOMPANIES

$

REGIONALCOMPANIES

$

OTHER

$

TOTAL

$

1,�88,1�4,949

251,�07,921

728,472,�74

6,51�,296,604

1,�14,77�,796

1,809,722,08212

12,005,707,727

868,154,457

2,987,157

12,876,849,�41

255,0�6,479

4�5,087,�78

169,441,899

69,14�,556

216,852,456

676,924,256

1,822,486,024

-

-

1,822,486,024

-

-

-

-

-

-

-

-

-

-

1,64�,171,428

686,�95,299

897,914,27�

6,582,440,160

1,5�1,626,252

2,486,646,��8

1�,828,19�,751

868,154,457

2,987,157

14,699,��5,�65



REVENUEACCOUNT

�.15 Detailed Revenue Accounts in respect of twenty (20) companies transacting long-term business are shown in Tables I-VII. A summary of the Revenue Accounts for the years 2005 and 2004 listed hereunder:

Fund at beginning of yearNet PremiumsCommissions ReceivedInterest, Dividends, etc. Other Transfer from Reserves

TOTAL REVENUE

EXPENDITUREPolicy PaymentsCommissionsSalaries and other Management ExpensesOtherFund at end of year Transfer to Profit and Loss

TOTAL EXPENDITURE

REVENUE 2005$

2004$

15,150,6�0,244�,99�,004,740

871,865911,�91,297840,498,�47

-

20,896,�96,494

�,989,716,5152�1,808,188595,475,646(�4,�0�,275)

15,92�,179,052196,286,879

20,902,16�,004

1�,171,197,972 4,589,519,2�7

6,557,017 1, 878, 821,767

424,518,192 -

20,070,614,185

�,466,971,962 220,485,149 827,098,279 �29,166,�90

15,104,255,506 122,6�6,899

20,070,614,185

DISTRIBUTIONOFPREMIUMINCOME

�.16 Business was distributed among locally incorporated, Caribbean and other companies as follows:

Percentage of Long-Term Insurance Business (Net Premium Income)

Local CompaniesRegional Companies Other

20022001 20052003 2004

9�.9726.0270.001

95.6404.�590.001

95.4014.5700.029

9�.0046.96�0.0��

91.8688.1000.0�2

(See Figure 7)


INSURANCE COMPANIES

American Life and General Insurance Company (Trinidad and Tobago) Limited

Bancassurance Caribbean Limited

British American Insurance Company (Trinidad) Limited

Caribbean Atlantic Life Insurance Company (Trinidad and Tobago) Limited

Caribbean Insurance Company Limited

Colonial Life Insurance Company (Trinidad) Limited

Cuna Caribbean Insurance Society Limited

Guardian General Insurance Limited

Guardian Life of the Caribbean Limited

Maritime Life (Caribbean) Limited

Mega Insurance Company Limited

Nationwide Insurance Company Trinidad Limited

Scotia Life of T&T Limited

Tatil Life Assurance Limited

The Beacon Insurance Company Limited

The Demerara Life Assurance Company of Trinidad and Tobago Limited

85,485

8,007

88,027

476

NIL

1,�72,790

22,56�

1,661

276,7��

75,266

21,074

7,495

-

62,897

47

NR

78,280

7,160

NR

�50

NIL

1,6�0,6�1

26,158

5,664

297,107

79,16�

NR

4,571

-

65,149

52

NR

89,�52

6,621

82,626

297

NIL

2,990,769

�4,598

2,151

514,188

81,9�1

26,90�

4,420

-

67,269

55

NR

97,099

5,80�

15�,082

270

NIL

�,�62,862

40,726

-

519,266

71,�91

28,�7�

2,461

�5,452

72,1�5

49

NR

104,�98

7,801

169,721

254

NIL

�,049,652

49,096

-

145,046

71,791

27,099

2,415

56,2�4

66,75�

49

1,561

�.17 Net Premium Income in respect of each company carrying on long-term business for the years 2001 to 2005 was as follows:

2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

LOCAL

SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME - LONG-TERM BUSINESS



NR

�05

NIL

NR

2,022,826

19,549

158,810

178,359

-

665

�4

699

2,201,884

NR

267

NIL

NR

2,194,552

25,1�0

1�9,152

164,282

-

765

24

789

2,359,623

NR

2�8

NIL

�05

3,901,723

19,968

158,185

178,153

-

941

29

970

4,080,846

NR

217

NIL

249

4,389,435

17,000

18�,044

200,044

-

-

40

40

4,589,519

NR

198

NIL

241

3,752,309

-

240,657

240,657

-

-

�9

39

3,993,005

2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

LOCAL

The Goodwill General Insurance Company Limited

The Reinsurance Company of Trinidad and Tobago Limited

The Western General Insurance Company Limited

United Security Life Insurance Company Limited

TOTAL

REGIONAL

Life of Barbados Limited

Sagicor Life Inc.

TOTAL

OTHER

Lincoln Assurance Limited

Cuna Mutual Insurance Society

Sun Life Assurance Company of Canada

TOTAL

GRAND TOTAL

(See Figure 8) NR – Returns Not Received

SCHEDULESHOWINGCHANGEINNETPREMIUMINCOME-LONG-TERMBUSINESS(continued)


INSURANCE COMPANIES

FIGURE 7LONG-TERMINSURANCEBUSINESSPREMIUMINCOMEDISTRIBUTION




NETPREMIUMINCOME

REPORT ON INSURANCE AND PENSIONS�0

INSURANCE COMPANIES

REINSURANCE

�.18 Ninety-seven percent (97%) of life insurance premiums written during 2005 by sixteen (16) local companies was retained in the local economy (2004 – 99%); eighty-six percent (86%) was retained by Regional Companies.

REINSURANCE - LONG TERM INSURANCE BUSINESS - 2005


Bancassurance Caribbean Limited

British American Insurance Company(Trinidad) Limited

Caribbean Atlantic Life InsuranceCompany Limited

Colonial Life Insurance Company(Trinidad) Limited





Nationwide Insurance Company Limited

Scotia Life of T&T Limited



The Demerara Life Assurance Company of Trinidad and Tobago Limited

The Reinsurance Company of Trinidad & Tobago Limited

United Security Life Insurance Company Limited

TOTAL

COMPANIES GROSSPREMIUMS

NETPREMIUMS

NETRETENTIONRATIO

$

129,618,968

9,042,9�9

170,7�1,854

265,698

�,052,956,57�

50,912,087

168,475,501

74,515,9�2

28,948,485

2,975,244

56,294,766

71,56�,501

178,492

1,786,178

197,974

241,1��

3,818,705,325

$

104,�98,1��

7,800,564

169,720,851

25�,66�

�,049,651,669

49,095,764

145,046,128

71,791,�61

27,099,�05

2,415,�90

56,2�4,257

66,752,886

48,509

1,561,250

197,974

241,1��

3,752,308,837

%

80.54

86.26

99.41

95.47

99.89

96.4�

86.09

96.�4

9�.61

81.18

99.89

9�.28

27.18

87.41

100.00

100.00

98.26

LOCAL

REPORT ON INSURANCE AND PENSIONS �1


REINSURANCE - LONG TERM INSURANCE BUSINESS - 2005 (continued)


NETPREMIUMS

NETRETENTIONRATIO

$

278,5��,049

278,533,049

-

�9,027

39,027

4,097,277,401

$

240,656,876

240,656,876

-

�9,027

39,027

3,993,004,740

%

86.40

86.40

-

100.00

100.00

97.46

REGIONAL

Sagicor Life Incorporated

TOTAL

OTHER


Sun Life Assurance Company of Canada TOTAL

GRAND TOTAL

VALUATIONREPORTS

�.19 Section 11� of the Insurance Act, Chap. 84:01, requires that each company transacting long-term insurance business submits an Actuarial Valuation Report at intervals of three (�) years or such shorter periods as the Central Bank in its discretion notifies the company.

Reports were received from the following companies:

• American Life and General Insurance Company (Trinidad and Tobago) Limited • Bancassurance Caribbean Limited • British American Insurance Company (Trinidad) Limited • Colonial Life Insurance Company Limited • CUNA Caribbean Insurance Society Limited • Guardian Life of the Caribbean Limited • Maritime Life (Caribbean) Limited • Sagicor Life Incorporated • ScotiaLife Trinidad and Tobago Limited • Tatil Life Assurance Limited • The Demerara Life Assurance Company of Trinidad and Tobago Limited

Details are contained in Tables XXII to XXXI



4. GENERAL INSURANCE BUSINESS

4.01 There were thirty-five (�5) companies registered to transact general insurance business in Trinidad and Tobago at the end of 2005. Twenty-eight (28) wrote new business during 2005.

4.02 The types of new business transacted by registered companies were as follows.

*

IN

*

-

-

NOT

-

*

-

*

*

*

-

-

*

-

-

*

LIQUIDATION

*

-

*

WRITING

*

*

-

*

*

*

-

*

*

-

*

*

*

*

*

NEW

*

*

-

*

*

*

-

*

*

-

-

*

-

*

*

BUSINESS

-

*

-

*

*

*

-

*

*

*

-

COMPANIES LIABILITY MOTOR PROPERTY PERSONALACCIDENT

OTHER1

*

*

-

*

-

*

*

*

*

*

*

*

*

-

-

1. American Life and General Insurance (Trinidad and Tobago) Limited

2. Antilles Insurance Limited

�. Bankers Insurance Company of Trinidad and Tobago Limited

4. British American Insurance Company (Trinidad) Limited

5. Capital Insurance Limited

6. Caribbean Insurance Company Limited

7. Citizen Insurance Company Limited

8. Colonial Fire and General Insurance Company Limited

9. Export-Import Bank of Trinidad and Tobago Limited

10. Furness Anchorage Insurance Limited

11. G.T.M. Insurance Company Limited

12. Guardian General Insurance Limited

1�. Guardian Life of the Caribbean Limited

14. Gulf Insurance Limited

15. Maritime General Insurance Company Limited

16. Mega Insurance Company Limited

17. Motor and General Insurance Company Limited

LOCAL

REPORT ON INSURANCE AND PENSIONS ��


-

UNDER

*

*

*

IN

-

*

NOT

*

-

*

NOT

*

IN

-

*

*

*

JUDICIAL

-

*

*

LIQUIDATION

*

*

WRITING

*

*

*

WRITING

*

LIQUIDA TION

-

*

-

-

MANAGEMENT

*

*

*

-

*

NEW

*

-

*

NEW

*

-

*

*

-

*

-

*

-

-

BUSINESS

*

-

*

BUSINESS

*

-

*

*

COMPANIES LIABILITY MOTOR PROPERTY PERSONALACCIDENT

OTHER1

-

*

*

*

-

*

*

-

*

*

*

*

*

18. Motor One Insurance Company Limited

19. Nationwide Insurance (Casualty and General) Company Limited

20. N.E.M. (West Indies) Insurance Limited

21. Royal Caribbean Insurance Limited

22. The Beacon Insurance Company Limited

2�. The Equitable Insurance Company Limited

24. The Goodwill General Insurance Company Limited

25. The Great Northern Insurance Company Limited

26. The Mountain General Insurance Company Limited

27. The New India Assurance Company (Trinidad & Tobago) Limited

28. The Presidential Insurance Company Limited

29. The Reinsurance Company of Trinidad and Tobago Limited

�0. The Western General Insurance Company Limited

�1. Trinidad and Tobago Insurance Limited

�2. United Security General Insurance Company Limited

1. Sagicor Life Incorporated

2. Sagicor General Insurance

�. United Insurance Company Limited

LOCAL

REGIONAL

* Denotes business written - Denotes business not written1 Other includes Group Health, Marine, Pecuniary Loss, General Accident and Export Credit.


INSURANCE COMPANIES

STATUTORY DEPOSITS

4.0� Section 29 of the Insurance Act Chap. 84:01 requires that companies transacting general insurance business maintain a deposit of not less than forty percent (40%) of their premium income less payments for reinsurance.

4.04 Additionally, there were five (5) life insurance companies incorporated outside Trinidad and Tobago which were required by the Act to maintain a minimum deposit of $250,000 each. Lloyd’s Underwriters is also required to maintain a deposit.

4.05 At the end of 2005, total deposits of $470,209,91� were invested in the following securities and held on behalf of the Central Bank of Trinidad and Tobago.

Trinidad and Tobago Government Securities denoted in Trinidad and Tobago Dollars

Other T&T Government Securities

2 Other Securities

TOTAL

2004$

2005$

194,454,212

12�,294,567

152,461,1�4

470,209,913

158,124,124

154,079,087

10�,241,926

415,445,137

2 Other Securities’ includes Trinidad and Tobago Home Mortgage Bank Bonds, US Government Securities and other Commonwealth Government Securities.



American Life and General Insurance Company Trinidad and Tobago Limited

Bankers Insurance Company of Trinidad and Tobago Limited


Capital Insurance Limited


Citizen Insurance Company Limited

Colonial Fire & General Insurance Company Limited


Export-Import Bank of Trinidad and Tobago Limited

Furness Anchorage General Insurance Limited

GTM Insurance Company Limited



Gulf Insurance Limited

Maritime General Insurance Company Limited

6,155,894

�,000,000

-

2,889,12�

-

569,642

18,746,095

-

202,216

2,022,�27

844,719

40,410,�11

62,608,000

5,052,466

2,740,076

$ $ $ $

�0,617,474

100,000

-

1,122,100

-

450,000

16,510,000

-

-

204,500

-

14,478,279

-

800,000

-

-

4,484,670

500,000

1�,07�,175

-

�,540,81�

26,575,117

196,640

874,000

152,950

�,451,050

14,765,874

-

515,000

2�,�64,760

�6,77�,�68

7,584,670

500,000

17,084,�98

-

4,560,455

61,8�1,212

196,640

1,076,216

2,�79,777

4,295,769

69,654,464

62,608,000

6,�67,466

26,104,8�5

TRINIDADANDTOBAGOGOVERNMENT

SECURITIESINTT$

COMPANIES OTHERTRINIDAD

AND TOBAGOGOVERNMENT

SECURITIES

OTHERSECURITIES

TOTAL

DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT �1ST DECEMBER 2005

LOCAL


INSURANCE COMPANIES


Motor and General Insurance Company Limited

Motor One Insurance Company Limited

N.E.M. (West Indies) Insurance Limited

Nationwide Insurance (Casualty & General) Company Limited

Royal Caribbean Insurance Limited

Sagicor General Insurance Incorporated



The Great Northern Insurance Company Limited

The Mountain General Insurance Company Limited

The New India Assurance Company (Trinidad and Tobago) Limited

The Presidential Insurance Company Limited


-

827,871

1,516,176

�,967,920

-

12,�86,000

8,241,�77

924,100

827,209

455,000

4,919,�42

591,696

-

$ $ $ $

-

-

275,000

4,292,820

IN RECEIVERSHIP

-

-

1,000,000

-

-

-

-

6,042,114

2,498,510

155,000

1,2�9,416

2,815,24�

4,145,000

-

-

1,996,500

508,500

9��,�85

-

686,500

196,985

1,500,076

155,000

2,067,287

4,606,419

12,405,740

-

12,�86,000

11,2�7,877

1,4�2,600

1,760,594

455,000

5,605,842

6,8�0,795

�,998,586


SECURITIESINT.T.$



SECURITIES

OTHERSECURITIES

TOTAL

DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT �1ST DECEMBER 2005 (continued)

LOCAL



1,987,116

4,00�,0�6

185,887,712

-

8,284,500

-

8,284,500

-

282,000

-

-

282,000

194,454,212

$ $ $ $

-

2,467,500

80,858,297

-

-

1,728,270

1,728,270

-

-

40,708,000

-

40,708,000

123,294,567

87,�00

44,141,706

149,899,659

-

2,261,475

-

2,261,475

-

-

-

�00,000

300,000

152,461,134

2,074,416

50,612,242

416,645,668

-

10,545,975

1,728,270

12,274,245

-

282,000

40,708,000

�00,000

41,290,000

470,209,913


SECURITIESINT.T.$



SECURITIES

OTHERSECURITIES

TOTAL

DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT �1ST DECEMBER 2005 (continued)

LOCAL


Trinidad and Tobago Insurance Limited

TOTAL

REGIONAL



United Insurance Company Limited

TOTAL

OTHER

Lincoln Assurance Company Limited


Lloyd’s Underwriters

Sun Life Assurance Company of Canada

TOTAL

GRAND TOTAL


INSURANCE COMPANIES

GENERALINSURANCEMOTOR

4.06 Nineteen (19) companies wrote business during 2005. The Caribbean Insurance Company, Royal Caribbean Insurance Limited, The Mountain General Insurance Company Limited and The Western General Insurance Company Limited wrote no new business, while Nationwide Casualty and General Insurance Company Limited is under Judicial Management.

STATUTORYFUNDS

4.07 Section �7(5) of the Insurance Act, Chap. 84:01 requires that every company carrying on Motor Vehicle Insurance business should establish a statutory fund by placing in trust in Trinidad and Tobago assets equal to its liability and reserves less the amount held on deposit in accordance with Section 29 of the Act.

4.08 The Revenue Account of companies transacting motor business showed a cumulative liability of $520,92�,284. After deductions, including the amounts placed on deposit pursuant to Section 29 of the Act, the assets required to be placed in trust in the Fund totaled $24�,261,212. The value of assets actually placed in the Fund amounted to $277,417,822.

4.09 The relationship between the policy liabilities and statutory fund assets of each company transacting motor insurance business is shown in Table XIII.

CHANGEINPREMIUMINCOME

4.10 Net premium income in 2005 as reported by nineteen (19) companies totaled $52�,7�5,4�7 (2004 - $420,991,587).

4.11 Premium Income in respect of individual companies carrying on motor vehicle insurance business for the years 2001 to 2005 was as follows:



American Life and General Insurance Co (Trinidad and Tobago) Limited




Citizen Insurance Co Limited

Colonial Fire and General Insurance Company Limited


G.T.M. Fire Insurance Company Limited






Nationwide Insurance (Casualty and General) Company Limited

N.E.M. (WI) Insurance Limited


Sagicor General Insurance Inc.

8,057

�,574

29,668

-

1�,075

16,498

�,041

4,44�

41,2�7

7,016

�1,8�8

8,407

6,�02

NR

58,691

4,781

-

7,814

�,755

�5,965

-

17,120

18,297

2,805

5,625

54,607

8,147

��,950

9,162

6,6��

NR

70,101

(27)

-

8,64�

6,457

�9,6�0

-

17,�02

22,068

2,695

4,669

40,712

8,�17

46,776

9,440

6,598

NR

66,72�

-

-

1�,052

14,18�

48,719

-

25,709

69,092

2,226

9,596

10�,408

10,148

50,14�

1�,206

1�,67�

NR

-

-

21,594

8,258

14,7�2

45,248

-

17,0�8

26,714

2,745

6,644

97,664

8,457

48,29�

11,4�7

10,9�1

NR

12,550

-

-

2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

LOCAL

SCHEDULESHOWINGCHANGEINNETPREMIUMINCOMEMOTORINSURANCEBUSINESS


INSURANCE COMPANIES




The New India Assurance Company(Trinidad and Tobago) Limited




Grand Total

14,2�5

NR

4,578

4,986

15,668

�,009

�7,212

316,316

15,�92

NR

4,870

6,660

16,788

2,424

40,66�

360,751

12,480

NR

5,9�4

8,272

17,1�8

5,61�

44,�79

373,846

1�,284

NR

8,265

1�,726

19,059

8,487

66,164

523,735

12,�64

NR

6,�79

10,556

17,847

7,605

55,5�0

420,992

2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

LOCAL

SCHEDULESHOWINGCHANGEINNETPREMIUMINCOMEMOTORINSURANCEBUSINESS(continued)

(See Figure 9)

NR – Returns Not Received



FIGURE 9 MOTORINSURANCEBUSINESS

NETPREMIUMINCOME


INSURANCE COMPANIES

UNDERWRITINGRESULTS

4.12 In 2005, the underwriting results of motor insurance business showed an overall underwriting profit of $26,528,�1� as compared to an overall underwriting profit of $97,2�2,942 in 2004.

Details are in Table XIV

REINSURANCE

4.1� An examination of the Premium Analysis statements revealed the following net retention ratios (i.e., Net Premiums retained as a percentage of Gross Premiums written by companies).

PERCENTYEAR

20052004200�20022001

8985858687




NETPREMIUMS

NETRETENTIONRATIO





Colonial Fire & General Insurance Co. Limited











$

1�,594,685

18,216,219

51,065,068

26,�17,5��

71,�66,099

2,582,1��

16,49�,�28

119,274,920

11,664,122

64,666,5�6

1�,270,767

15,979,604

UNDER

-

-

$

1�,052,125

14,18�,400

48,718,580

25,709,061

69,091,877

2,226,27�

9,595,767

10�,407,944

10,148,008

50,142,768

1�,206,044

1�,67�,200

JUDICIAL

-

-

%

96.01

77.86

95.40

97.69

96.81

86.22

58.18

86.70

87.00

77.54

99.51

85.57

MANAGEMENT

-

-

REINSURANCE-MOTORINSURANCEBUSINESS-2005

LOCAL


INSURANCE COMPANIES


NETPREMIUMS

NETRETENTIONRATIO








GRAND TOTAL

$

26,465,224

14,016,249

8,598,485

14,591,669

20,�92,819

9,576,420

69,917,200

588,049,079

$

21,594,172

1�,284,6�4

8,265,�10

1�,726,477

19,059,456

8,486,822

66,16�,519

523,735,437

%

81.59

94.78

96.1�

94.07

9�.46

88.62

94.6�

89.06

REINSURANCE-MOTORINSURANCEBUSINESS-2005(continued)

LOCAL



4.14 Twenty-two (22) companies submitted Returns under this broad category, including five (5) life insurance companies transacting Personal Accident and Group Health businesses. Three (�) companies, which submitted Returns, wrote no new business in 2005.

4.15 Group Health Insurance accounted for 41% of the premium in this category of business; four (4) insurers transacted this class of business during the year 2005.

Details are in Tables XVI-XX

CHANGEINPREMIUMINCOME

4.16 During the year 2005 net premium income totaled $417.6million, an increase of 4�.8% over the 2004 net premium income of $290.5million.

4.17 Premium Income in respect of individual companies during the years 2001 to 2005 was as follows:

SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME OTHER THAN LONG-TERM OR MOTOR BUSINESS



British-American Insurance Company (Trinidad) Limited






2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

58,477

1,218

NR

65

-

171

55,085

NR

56,882

2,527

2,148

74

-

112

59,959

2,229

56,484

2,099

1,9�2

76

-

96

6�,1�2

2,526

41,777

5,692

298

8,287

-

66,��4

65,418

2,290

GENERALINSURANCE-OTHERTHANLONG-TERMORMOTOR

LOCAL


41,65�

825

925

6�

-

250

46,�76

NR


SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME OTHER THAN LONG-TERM OR MOTOR BUSINESS (continued)






Maritime General InsuranceCompany Limited

Mega Insurance Limited



N.E.M. (WI) Insurance Limited







2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

784

4,017

57,571

-

2,500

4,985

NR

784

NR

4�,796

1,�1�

(67)

-

7,866

46

NR

709

4,529

55,955

-

4,562

5,122

212

709

NR

50,494

2,624

904

-

9,768

48

NR

750

5,556

5�,�99

-

4,640

6,1�4

-

750

NR

1,158

1,594

-

-

18,151

46

NR

6�6

2,497

47,965

152,271

657

2,66�

-

6�6

NR

506

4,50�

-

9,901

1�,064

1,�21

NR

LOCAL


577

�,679

44,414

-

1,04�

4,240

212

577

NR

28,710

156

816

-

5,141

41

NR

INSURANCE COMPANIES


SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME OTHER THAN LONG-TERM OR MOTOR BUSINESS (continued)




TOTAL




TOTAL

GRAND TOTAL

2001(000)

$

2002(000)

$

2003(000)

$

2004(000)

$

2005(000)

$

COMPANIES

978

-

�0,015

268,820

-

21,�57

2,497

23,854

292,674

1,046

-

�1,186

291,090

-

27,�70

�,594

30,964

322,054

1,826

-

�2,0��

51,632

-

�2,567

6,25�

38,820

290,452

401

-

24,195

374,808

-

�7,749

5,012

42,760

417,568

LOCAL

19�

-

28,087

207,401

-

17,016

868

17,884

225,285

REGIONAL

(See Figure 10)




FIGURE 10 OTHERINSURANCEBUSINESS

NETPREMIUMINCOME

INSURANCE COMPANIES



UNDERWRITINGRESULTS

4.18 In 2005, the underwriting results of property insurance business revealed an overall underwriting loss of $59,��8,208. This class of business experienced an overall underwriting profit of $�0,8�1,798 in 2004.

Details are summarized in Table XXI.

REINSURANCE

4.19 An examination of the Premium Analysis statements revealed the following net retention ratios (i.e, Net Premiums retained as a percentage of Gross Premiums written by Companies).

2004%

1077

1075

2005%

2003%

2002%

2001%

1070

1062

1268

PropertyOther (that is, exclusive of Motor Vehicle, Property and Long-term)


NETPREMIUMS

American Life and General Insurance Co (Trinidad and Tobago) Limited.


British-American Insurance Company (Trinidad) Limited *



Colonial Fire & General Insurance Co. Limited

144,0�7,70�

4,�08,871

210,898

281,597

1��,19�

59,�12,418

NETRETENTIONRATIO

9,445,281

191,070

(111,681)

47,097

45,192

7,457,7�1

6.56

4.4�

(5�.0)

16.72

��.9�

12.57

$ $ %LOCAL

REINSURANCE-PROPERTYBUSINESS2005

4.20 Details of the percentage of Gross Premium retained in respect of property insurance business are as follows:


INSURANCE COMPANIES


NETPREMIUMS

4,190,64�

17,871,�66

90,297,�72

20,080,047

60,524,646

UNDER

-

-

19,787,204

18,�1�,141

118,81�

11,570,276

10,244,�25

�6,177,829

497,460,342

22,700,661

22,700,661

520,161,003

NETRETENTIONRATIO

217,060

�,�25,842

17,677,54�

2,2�0,847

2,724,65�

JUDICIAL

-

-

5,204,928

�,894,616

5�,�42

1,42�,660

�54,995

4,995,479

59,177,655

�,005,786

3,005,786

62,183,441

5.18

18.61

19.58

11.11

4.50

MANAGEMENT

-

-

26.�0

21.27

44.90

12.�0

�.47

1�.81

11.90

1�.24

13.24

11.95

$ $ %LOCAL

REINSURANCE-PROPERTYBUSINESS2005(continued)















TOTAL

REGIONAL


TOTAL

GRAND TOTAL

* Not writing new property business.




NETPREMIUMS



British-American Insurance Company (Trinidad) Limited





GTM Fire Insurance Company Limited







Reinsurance Company of Trinidad and Tobago Limited

65,860,708

5,906,596

872,54�

2�,506

66,��5

71,870,965

779,905

4,985,666

84,295,429

162,789,507

�,824,604

1�,�89,971

UNDER

9,10�,651

54,222,805

NETRETENTIONRATIO

41,776,709

5,691,806

297,996

8,287

66,��4

65,417,808

6�5,66�

2,496,979

47,965,107

152,270,728

656,558

2,662,788

JUDICIAL

505,64�

4,50�,169

6�.4�

96.�6

�4.15

�5.25

100.00

91.02

81.51

50.08

56.90

9�.54

17.17

19.89

MANAGEMENT

5.55

8.�0

$ $ %LOCAL

REINSURANCE-OTHERTHANMOTOR,PROPERTYANDLONG-TERMBUSINESS2005

4.21 Details of the percentage of Gross Premium retained in respect of other categories of general insurance business (excluding Motor and Property) are as follows:


INSURANCE COMPANIES


NETPREMIUMS

-

15,586,190

�2,451,184

1,�21

422,44�

2,290,262

�7,494,578

566,2�8,169

�9,252,009

7,7�7,497

46,989,506

61�,227,675

NETRETENTIONRATIO

-

9,901,199

1�,06�,566

1,�21

401,100

2,290,262

24,194,661

�74,807,684

�7,748,818

5,011,598

42,760,416

417,568,100

-

6�.5�

40.26

100.00

94.95

100.00

64.5�

66.19

96.17

64.77

91.00

68.09

$ $ %LOCAL

REINSURANCE-OTHERTHANMOTOR,PROPERTYANDLONG-TERMBUSINESS2005(continued)








TOTAL

REGIONAL



TOTAL

GRAND TOTAL



9�,69�,�96

8,791,020

(12,01�,484)

��,185,045

10,247,054

(9,280,�65)

42,559,214

12,854,82�

�,866,476

�7,26�

9,920,�20

250,000

5,601,712

�0,59�,287

American Life and General Insurance Company Trinidad and Tobago Limited

Bankers Insurance Company of Trinidad and Tobago) Limited



Caribbean Insurance Company Limited +


Colonial Fire & General Insurance Company Limited

SOLVENCYTEST

4.22 Section 77(1) of the Insurance Act, Chap. 84:01 states, inter alia, that

“a company carrying on general insurance business shall be deemed for the purpose of the Companies Ordinance to be unable to pay its debts where the value of its admissible assets does not exceed the amount of its liabilities by which ever is the greater of the following amounts:

(a) two hundred and fifty thousand dollars; or (b) twenty per cent (20%) of the general premium income of the company computed

as at the end of its last financial year. “

4.2� Details of the solvency position of companies registered to underwrite motor and other general insurance business are shown as follows:

MARGINOFSOLVENCYGENERALINSURANCEBUSINESS-2005

COMPANIES MINIMUMSOLVENCY

REQUIREMENTINACCORDANCE

WITHSECTION77OFTHEINSURANCE

ACTCHAP.84:01

80,8�8,57�

4,924,544

(12,050,747)

2�,264,725

9,997,054

(14,882,077)

11,965,927

ExCESS(DEFICIT)ADMISSIBLE

ASSETSOVERLIABILITIES

+OR(-)

MARGINOFSOLVENCY/

INSOLVENCY+OR(-)

$ $ $

LOCAL


8,486,857

4,882,996

�,456,471

67,6�5,402

�1,650,8�0

79,029,726

29,24�,126

(�,642,�41)

JUDICIAL

26,085,6��

(755,6�7)

11,170,028

NR

4,607,165

458,052

615,799

2,440,0�7

49,789,485

8,881,992

11,106,041

7,297,�62

2,7�4,640

UNDER

24,759,707

250,000

10,460,920

NR

1,66�,995









Nationwide Insurance (Casualty & General) Company Limited *




The Goodwill General Insurance Company Limited *


MARGINOFSOLVENCYGENERALINSURANCEBUSINESS-2005(continued)




ACTCHAP.84:01

8,028,805

4,267,197

1,016,4�4

17,845,917

22,768,8�8

67,92�,685

21,945,764

(6,�76,981)

MANAGEMENT

1,�25,926

(1,005,6�7)

709,108

NR

2,94�,170



+OR(-)

MARGINOFSOLVENCY/

INSOLVENCY+OR(-)

$ $ $

LOCAL

INSURANCE COMPANIES


�7,861,877

NR

11,014,660

2,�17,�10

6,624,076

147,571,021

634,421,080

6,895,118

6,895,118

641,316,198

2,411,281

NR

�,811,891

2,668,997

-

25,068,�26

217,542,406

1,60�,477

1,603,477

219,145,883

MARGINOFSOLVENCYGENERALINSURANCEBUSINESS-2005(continued)




ACTCHAP.84:01

�5,450,596

NR

7,202,769

(�51,687)

6,624,076

122,502,695

416,878,674

5,291,641

5,291,641

422,170,315



+OR(-)

MARGINOFSOLVENCY/

INSOLVENCY+OR(-)

$ $ $

LOCAL


The Mountain General Insurance Company Limited.*



The Western General Insurance Company Limited *


TOTAL

REGIONAL


TOTAL GRAND TOTAL

+ Caribbean Insurance Company Limited is running off its portfolio.* Nationwide Insurance (Casualty & General) Company Limited, the Mountain General Insurance Company Limited and the Western General Insurance Company Limited, have stopped writing new business.




INSURANCE COMPANIES

5. ASSOCIATION OF UNDERWRITERS

REGISTRATION

5.01 Lloyd’s Underwriters remained the only association of underwriters registered to transact insurance business in Trinidad and Tobago.

INTERMEDIARIES

5.02 The names of Trinidad and Tobago intermediaries through whom insurance or reinsurance was placed at Lloyd’s are listed hereunder:

Charlett and Gatcliffe Limited Insurance Brokers West Indies Limited M & M Insurance Services Limited Miller Insurance Brokers Limited 21st Century Insurance and Reinsurance Brokers Limited

VOLUME OF BUSINESS

5.0� Insurance business placed at Lloyd’s during the years 2005 and 2004 are detailed below:

90,�07,140209,262,�86

299,569,526

PremiumsReceived2005 2004

Direct Insurance* Reinsurance TOTAL

ClaimsPaid2005 2004

101,594,686108,269,494

209,864,180

18,627,094 -

18,627,094

14,671,�66101,6��,�98

116,304,764

* Information relating to Reinsurance Claims paid for the year 2005 was not submitted.


PART II - INSURANCE INTERMEDIARIES

6. PART II INSURANCE INTERMEDIARIES

6.01 The following table shows the number of intermediaries that were registered during 2005 in accordance with Part III of the Insurance Act, Chap. 84:01.

INTERMEDIARIES

List of registered Agents, Brokers and Adjusters are provided at Appendices B, C and D respectively of this report.

NEWAPPLICATIONSAPPROVEDIN2005

RENEWALCERTIFICATESISSUEDIN2005

SALESMEN:

AGENTS:

(a) Individuals(b) Partnerships(c) Corporate Bodies

TOTAL

BROKERS:


TOTAL

ADJUSTERS:


TOTAL

1303

116-

255

371

42-

�7

79

9-

15

24

314

14-

29

43

4-2

6

--

-

-


INSURANCE INTERMEDIARIES

ExAMINATIONS

6.02 The Trinidad and Tobago Insurance Institute is the approved educational institution to supervise and administer examinations referred to in Part III of the Act.

6.0� The results of examinations in life and general insurance which were held in 2005 are as follows:

REVENUE

6.04 The total revenue collected from registration fees for the period ended �1st December 2005 amounted to $864,100 and in 2004 - $751,900.

NO.OFPERSONSREGISTEREDTOWRITEExAMS

Long-term InsuranceExaminations

AprilJuneAugustOctoberDecember

General Insurance Examinations

AprilJuneAugustOctoberDecember

115715817

115

451��92697

NO.OFPERSONSWHOWERE

SUCCESSFUL

NO.OFPERSONSREGISTEREDTOWRITEExAMSBUTDIDNOT

894727

849

2411�01457

75

11�

15

614�4


PART III - PENSION FUND PLANS

7. PART III PENSION FUND PLANS

7.01 There were no new Pension Plans registered during 2005.

7.02 The number of active registered Pension Fund Plans now stands at two hundred (200) comprising ninety-one (91) self-administered Pension Fund Plans and one hundred and nine (109) insured/annuity plans. There are now fifty-six (56) plans in the process of being wound-up; this figure is inclusive of one (1) plan which is under judicial management. A list of all pension plans is provided at Appendix E to this Report.

7.0� The list of the active registered pension plans is provided at Appendix E to this report.

AMENDMENTS

7.04 Thirty-one amendments were made to the Trust Deeds and Rules of twenty (20) pension fund plans, during the period under review.

The amendments were registered upon payment of the prescribed fee of ten dollars ($10.00).

REVENUE

7.05 Revenue in respect of the amendments thereto for the year ended �1st December 2005 was three hundred and ten dollars ($�10.00).

ANNUALACCOUNTS

7.06 The trustees of pension fund plans submitted annual audited accounts in respect of one hundred and thirty-five (1�5) plans. Sixty-nine (69) were in respect of self administered pension fund plans and sixty-six (66) were in respect of insured /annuity pension fund plans.

7.07 For the purpose of this report, insured plans included plans which are administered by

an insurer under a deposit administration contract.

7.08 The Accounts received are detailed at Tables XXXII to XXXV.


PENSION FUND PLANS

7.10 The following information has been extracted from the annual accounts received.

REVENUEACCOUNTS2005-INSUREDPENSIONFUNDPLANS

REVENUE $

(1) Amount of Fund at beginning of period(2) Contributions by employers(�) Contributions by employees (4) Any additional contribution by employer to meet deficiency or back service liability(5) Interest, Dividends and Rents(6) Other Income

TOTAL REVENUE

825,905,79825,522,02815,��5,540

6�,00059,808,44617,0�9,1��

943,673,945

19,248,1945,�14,�791,2�9,882 4,055,0875,816,0�5

908,000,�68

943,673,945

(1) Superannuation benefits (i) Pensions to retired employees (ii) Retirement Gratuities (2) Death Grants(�) Return of Contributions on withdrawal(4) Other Expenditure(5) Amount of Fund at end of period

TOTAL EXPENDITURE

ExPENDITURE $


PENSION FUND PLANS

REVENUEACCOUNTS2005-SELFADMINISTEREDPENSIONFUNDPLANS

REVENUE $

(1) Amount of Fund at beginning of period(2) Contributions by employers(�) Contributions by employees (4) Any additional contribution by employers to meet deficiency or back service liability(5) Interest, Dividends and Rents(6) Other Income

TOTAL REVENUE

19,5�9,525,61�215,760,79712�,470,569

-872,166,167

1,021,165,280

21,772,088,426

�42,708,99461,�57,58010,865,229

9,777,10�188,�71,098

21,159,008,422

21,772,088,426

(1) Superannuation Benefits (i) Pensions to Retired Employees (ii) Retirement Gratuities (2) Death Grants(�) Return of Contributions on withdrawal(4) Other Expenditure(5) Amount of Fund at end of period

TOTAL EXPENDITURE

ExPENDITURE $

7.10 Contributions received for the years 2001 to 2005 were shared as follows:

2004 200520032001

CONTRIBUTIONSRECEIVEDIN:

(SeeFigure11)

EMPLOYER 198,865,904 158,882,807 168, 891,229 151,995,�51 241,�45,825

EMPLOYEES 11�,566,918 91,547,746 119, 894,595 92,086,298 1�8,806,109

2002$ $ $ $ $


ASSETSOFSELF-ADMINISTEREDPLANS

BALANCE SHEETS

7.11 The Insurance Act requires that balance sheets should be furnished only in respect of self-administered pension fund plans. In respect of insured pension fund plans the relevant information is incorporated in the Balance Sheet which the insurance company is required to submit with its annual financial returns.

7.12 The following assets distribution statement in respect of self-administered plans has been

compiled from the balance sheets of the accounts of self-administered plans received for the year 2005

2005$

2004$

Trinidad and Tobago Government Securities denoted in TT $MortgagesReal EstateTrinidad and Tobago EquitiesFixed DepositsOther Trinidad and Tobago AssetsTrinidad and Tobago Government Securities denoted in Foreign Currency

TOTAL LOCAL ASSETS

Foreign Government SecuritiesOther Foreign SecuritiesTOTAL ASSETS IN FUND

LOCAL ASSETS RATIO

(see Figure 12)

1,511,440,�80

285,676,58�20,9�1,066

9,794,178,516927,842,907

7,404,858,895

226,4�8,794

20,171,367,141

101,�48,5961,8�6,288,810

22,109,004,547

91.14%

1,029,0�9,794

75,271,679 11,�8�,400

6,681,02�,960 �82,140,561

5,166,722,�57

�21,881,9�0

13,767,463,681

�76,425,008 726,700,051

14,870,588,740

92.58%

7.1� For the year 2005 the Actuarial Valuations of twenty one (21) registered pension fund plans were submitted in accordance with Section 185 (�) of the Insurance Act.

7.14 The reports were reviewed with particular reference to the comments and/or recommendations of the Actuaries with respect to the solvency position of each Plan.

PENSION FUND PLANS


PENSION FUND PLANS

FIGURE 11 PENSIONPLANCONTRIBUTIONS


FIGURE 12 PENSIONFUNDPLANS

ASSETSOFSELFADMINISTEREDPLANS

2005 2004

$ $

MORTGAGES 285,676,58� 175,271,679

FOREIGN ASSETS 1,9�7,6�7,406 1,425,006,989

FIXED DEPOSITS 927,842,907 �82,140,561

T&T GOV’T SEC. 1,511,440,�80 1,029,0�9,794

OTHER * 17,468,75�,744 11,859,127,917

22,131,351,020 14,870,586,940

* Other includes Real Estate & Other T&T Assets

PENSION FUND PLANS


ACTUARIAL INVESTIGATIONS

SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER:

9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�

ACTUARY VALUATIONDATE

RESULTSANDRECOMMENDATIONS

NAMEOFPLAN

Furness Trinidad Limited Pension Fund Plan

British Gas Trinidad Limited Pension Plan

COLFIRE Pension Fund Plan

KR Consulting (Trinidad) Limited

Bacon Woodrow & De Souza

Denise Radix- Richards

March �1, 2004

December �1, 200�

January 01, 2004

The valuation revealed a past service of $2.556 million with a funding level of 148%. It was recommended that:-

(a) The Company continue to contribute at the rate of 6% of salaries until the next valuation which is due on or before March �1, 2007

The valuation revealed a past service surplus of $1.210 million with a funding level of 114%. It was recommended that:-

(a) The Company continue to contribute to the Plan at its current rate of 7.2% of members’ salaries.The next actuarial valuation should be carried out as at December �1, 2006

The valuation revealed an actuarial surplus of $1.756 million with a funding level of 107%. It was recommended that:-

(a) The surplus be used to continue the unchanged contribution level (i.e. 10% of Members’ salaries with the balance of the surplus being carried forward as a margin against future contingencies.

The next actuarial valuation is to be carried out as at January 1, 2007.



SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)

9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

The Trinidad and Tobago Building and Loan Association Pension Fund Plan

National Union of Government & Federated Workers Staff Pension Plan

Thomas Peake & Company Limited. Pension Plan


Bacon Woodrow & De Souza

Eckler Partners Limited.

December �1, 200�

January 1, 2004

January 1, 2004

The valuation revealed a past service surplus of $8.675 million with a funding level of �05%. It was recommended that:- (a) Consideration be given to further improving the benefits payable by the Plan for example increasing the accrual rate for subsequent service and providing pensioners with an increase to compensate for inflation (b) The Company continue to match the members’ contributions of 2% p.a.(c) The balance of the surplus be carried forward as a margin against future contingencies.The next valuation should be carried out as at December �1, 2006.

The valuation revealed a past service surplus of $2.2�9 million with a funding level of 115%. It was recommended that:-(a) The balance surplus of $1.2 million remaining after making increases to pensions and deferred pensions be carried forward to the next valuationThe next valuation should be carried out no later than January 1, 2007.

The valuation revealed a past service surplus of $2.448 million with a funding level of 117%. The Company is desirous of utilizing the surplus as follows: (a) To permit deferred vested members to early retire on or after age 60 with un-reduced pension benefits. This improvement utilizes $�40,000 of the surplus(b) To reduce the Company’s contributions to a level which matches the aggregate members’ contributionsThe next valuation is due as at January 1, 2007.




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

Diego Martin Credit Union Staff Pension Fund Plan

Diego Marin Credit Union Staff Pension Fund Plan

Lonsdale Saatchi & Saatchi Advertising Limited Pension Plan



Eckler Partners Limited

November 1, 2000

November 1, 200�

January 1, 2005

The valuation revealed a past service deficit of $87,500 with a funding level of 52%. It was recommended that :-

(a) The employer’s contributions be increased from 8% to 16.5% of members’ salaries until the results of the next actuarial valuation.

The valuation revealed a past service deficit of $158,�00 with a funding level of 57%. It was recommended that:-

(a) The Employer’s contributions be increased from 8% to 17.2% of members’ salaries until the results of the next valuation

The next valuation be carried out on data as at November 1, 2006.

The valuation revealed a past service surplus of $698,218 with a funding level of 108.68%. It was recommended that:-

(a) The Company contribute at a rate of 5% of payroll (matching that of the members from January 1, 2005 until the next scheduled valuation of the Plan;

or

(b) The Company continue to contribute at the current level of 7% if it wishes to fund some future level of benefit improvement.

The next valuation be conducted on or before January 1, 2008.




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

E&Y Services Limited Pension Plan

CLICO Investment Bank Limited Staff Pension Fund Plan

Trinidad and Tobago Solid Waste Management Company Limited. Pension Plan


Denise Radix-Richards

Eckler Partners

April �0, 200�

September �0, 2004

July 1, 2004

The valuation revealed a past service surplus of $2,.951 million, with a funding level of 114%. It was recommended that:- (a) The Company contribute at a matching rate to the members which is 5% of salaries. The Company has agreed to enhance benefits by rebasing Career Average Benefits to 2% of the May 1, 200�, salary rates for the period May 1, 2000 to April �0, 2004. The next valuation must be performed as at a date no later than April �0, 2006.

The valuation revealed a past service surplus of $4�6,000 with a funding level of 116% It was recommended that:- (a) The Company continue to contribute at 10. 8% of salaries given the extent of the surplus of the Plan(b) The balance of the surplus may be carried forward as a reserve against future contingencies The next valuation should be carried out on data as at September �0, 2007.

The valuation revealed a surplus of $2, 052, 575. It was recommended that:- (a) All current pensions in payment be increased to $1,120 per month with Effect from July 1, 2004(b) Deferred pensioners be awarded increases of 4% per annum for each year since(c) The rate of interest being credited to Member compulsory and voluntary contribution balances be lowered to between 7% and 7.5% in the light of falling returns




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

Trinidad and Tobago Solid Waste Management Company Limited. Pension Plan – cont’d

National Insurance Board Pension Plan

Mega Insurance Co. Limited. Pension Fund Plan

Bacon Woodrow & de Souza


July 1, 2004

December �1, 2004

(d) The Company and Trustee monitor the performance of the plan assets on a yearly basis and if the investment returns fall below the level of interest credited the credited rate should be reduced from the earliest possible time(e) The Company and members may continue on the contribution holiday until the next scheduled actuarial review of the Plan as at July 1, 2007.The next valuation be conducted on or before July 1, 2007.

The valuation revealed a surplus of $175 M It was recommended that:- (a) NIB continue to pay contributions at the same rate as members at 5% of salaries for the time being. This contribution rate will be reviewed at the next valuation.(b) The Trustees review the Plan’s investment strategy with the Plan’s Management Committee and the NIB with a view to diversifying the asset portfolio. This should be done in conjunction with the formal Statement of Investment Policy, which is regarded as a key element of a strong governance structure for a Pension Plan.The next valuation is due to take place as at July 1, 2007.

The valuation revealed a surplus of $11.7M It was recommended that:- (a) The Company should contribute at the rate of 100% of participants’ contribution effective January 1, 2005. The next actuarial valuation is due as at a date no later than Dec. �1, 2007.




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

Atlantic LNG Pension Plan

The Myerson Tooth Company Limited Pension Plan



January 1, 2004

July �1, 2002

The valuation revealed a deficit of $�.811M It was recommended that:- (a) The Company pay the following contributions to the Plan to finance The past service deficit of $�.811 million as at 1 January 2004. (i) 8.7% of members’ salaries with effect from 1 January 2005; plus(ii) Lump sum payments of $1.405 million in June 2005, October 2005, June 2006 and October 2006(b) The recommendation at (a) will be subject to immediate review if the benefit or contribution provisions of the Plan are amended before then. The next actuarial valuation should be carried out no later than January 1, 2007.

The valuation revealed a surplus of $�.7 M It was recommended that:- (a) The Company and Trustee review the interest rate to be credited to members’ account balances(b) The current practice of awarding annual pension increases of1.5% pa be stopped until the Company and the Trustee have formally agreed to this improvement(c) No bonus interest be credited to members’ account until the Company and Trustee have fully resolved the Plan’s provisions(d) The Trustee and the Company review the Plan’s investment strategy as soon as possible(e) The above recommendations will also be subject to immediate review if the benefit or contribution provisions of the Plan are amended before then. The next actuarial valuation should be carried out no late than July �1, 2005.




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

TRINTOC Non-Contributory Pension Fund Plan

Insurance Brokers (W.I.) Limited


KR Consulting

September �0, 2004

February 28, 2005

The valuation revealed a past service surplus of $68.2� million with a funding level of �60% It was recommended that:-

(a) The Company continue to Pay no contributions to the Plan . This will be reviewed at the next valuation of the Plan

(b) The Trustees review the Plan’s investment strategy with the Plan’s Management Committee and Petrotrin with a view to diversifying the asset portfolio.

The next actuarial valuation must be carried out no later than Sept. �0, 2007

The valuation revealed a surplus of $1.7 M with a funding level of 128% It was recommended that:- (a) The employer and employee continue the contribution holiday.

(b) The recommendation at (a) will be re-evaluated if there are any significant changes in the Plan’s benefit structure, financial status or membership levels, including unexpected large scale salary changes

(c) The residual surplus should be carried forward as a contingency reserve against adverse future experience.The next valuation should be performed on or before February 28, 2008.




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.76�10.192 0.045

89.08710.910

0.00�



NAMEOFPLAN

WASA

Stellar Distributors (Trinidad) Staff Pension Fund Plan


Diane Baker

September �0, 200�

December �1, 2004

The valuation revealed a surplus of $101.6 M (with a funding level of 144%) of which $82.8M may be regarded as disposable It was recommended that:- (a) The Company continue to contribute at the minimum rate of 8% of basic wages(b) That an investigation be made into the emerging cash flow requirements of the Fund with a view to formulating an appropriate investment policy tailored to its particular needs. The next actuarial valuation is due no later than as at �0 September 2006.

The valuation revealed a surplus of $ �.1 M with a funding level of 442 % It was recommended that:- (a) Consideration be given to the following benefit improvements. - Increase the accrual rate from 1. 5% to 2 % for Pensionable Service prior to August �1,1992- Reduce the Normal Retirement Age from 65 to 60 - Reduce the salary averaging period from 5 years to 1 year- Provide pensioners with a one-off increase to allow for inflation between retirement and December �1, 2004(b) Either the current level of contributions can be maintained indefinitely or a full contribution holiday can be implemented for over �5 years. Contribution levels would be reviewed if benefit improvements are implemented.The next actuarial valuation is due no later than as at December �1, 2007.




9�.0046.96�0.0��

91.8688.1000.0�2

90.9089.0580.0�4

89.08710.910

0.00�



NAMEOFPLAN

L. J. Williams Limited Pension Fund Plan

National Insurance Property Development Company Limited Pension Fund Plan



October 1, 2004

July 1, 2004

The valuation revealed a surplus of $�.9M with a funding level of 1�8 % It was recommended that:-(a) The Company pay contributions at the same rate as members. (b) The Trustees ask ALGICO for details of the assets underlying the Deposit Administration Contract to ensure that the nature of these assets is appropriate for the Plan’s liabilities; also as a part of implementing a formal Statement Of Investment Policy, which we regard as a key element of a strong governance structure for a pension plan The next actuarial valuation is due to take place as at October 1, 2007.

The valuation revealed a surplus of $2�.8 M with a funding level of ��0% It was recommended that:- (a) The Company pay contributions at the same rate as members. This contribution rate will be reviewed at the next valuation(b) The Trustees review the Plan’s investment strategy with the Plan’s Management Committee and the Company with a view to diversifying asset portfolio. This should be done in conjunction with the formal Statement of Investment Policy, which is regarded as a key element of a strong governance structure for a Pension Plan The next actuarial valuation is due to take place as at July 1, 2007.


APPENDIX ASUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES

AMERICANLIFEANDGENERALINSURANCECOMPANY(TRINIDADANDTOBAGO)LIMITED

INCORPORATED-1977

Directors: G. DEANE; C. TALAVARA; I. SINANAN; D. PATRICK; G. MC CLENNEN; R.K. NOTTINGHAM; B. DOZIER; M. BUTHE; M. HANSEN; R ELIA Secretary: I. SINANAN

Auditors: PRICEWATERHOUSECOOPERS

Actuary: K R SERVICES LIMITED

Countries other than Trinidad and Tobago in which the Company writes business: NIL

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESS

ASAT31STDECEMBER,2005.

ASSETS

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies

$ $

108,194,787857,897,611

1,597,10�1,284,409

55,669,880

17,117,�944,009,747

88,642,5101,055,02�

2�,20�,52�14,2�0,40874,766,50190,�76,��1

1,��8,045,227

1,024,64�,790

Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS

LIABILITIES $ $

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsDeposits re policies Unpaid Policyholders dividends Other Liabilities

NET LIABILITIES

Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other TOTAL LIABILITIES

924,096,70849,1�2,07614,264,521

2,290,412�,689,084

16,272,60847,011,128

1,056,756,5�7

12,000,000 (�,128,949)

4,826,�90 219,819,65�

47,771,597

1,��8,045,227


APPENDIX A

BANCASSURANCECARIBBEANLIMITED INCORPORATED–1977Directors: D. CAMACHO; H.P. GANTEAUME; A. ARCHERSecretary: FE LOPEZ-COLLYMOREAuditors: PRICE WATERHOUSECOOPERSActuary: M. BOSLANDCountries other than Trinidad and Tobago in which the Company writes business: NIL

ASSETS $ $

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.

LIABILITIES $ $

67,2�0,�6017,52�,52914,��1,614

182,711,46910,101,516

5,062,48�6,249,006

�26,729,2897,002,525

82,4549�8,9�0

20,617,11921,90�,78660,790,185

�0�,68�,507

1,�11,9�2 1,028,882

15,675,880 (88,�58)

15,729,475 2,194,444

19,502,518 88,189,078

447,227,358

4�8,064,288

4,940,��44,222,7�6

447,227,358

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceBank Loans and OverdraftsDeposits re policies Unpaid Policyholders dividends Other Liabilities NETLIABILITIES

Paid-up Share CapitalShare Premium Account

TOTALLIABILITIES


SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES

BANKERSINSURANCECOMPANYLIMITEDINCORPORATED-1976

Directors: J. ALI; S. P. RAMQUAR; B. DOLSING; J. LALL; R. BACHAN; ROBERT AMAR RICKY AMAR; G. RAMNATH Secretary: R. BACHANAuditors: CHANKA SEETERAM & CO.Countries other than Trinidad and Tobago in which the Company writes business: NIL

ASSETS $ $

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STMARCH,2005.

LIABILITIES $ $

�,0�0,000��,971

4,250,000694,896

10,9�9,91814,102,282

4,716,968112,860

6,024,098

8,008,867

8,490,558 6,709,7�7 2,779,9�5

200,81� (4,�4�)

9,08�,9�0 1,617,691

36,887,188

�5,896,126

6,890,002 (9,618,085)

�,719,145

36,887,188

Investments: Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Other Investments

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NETLIABILITIES

Paid-up Share Capital Retained Account Other

TOTALLIABILITIES


APPENDIX A

BRITISH-AMERICANINSURANCECOMPANY(TRINIDAD)LIMITED INCORPORATED-1977Directors: L. DUPREY; B. BRANKER; R FULLERTON; R RAMNARINE; V RAMLOGAN Secretary: K. SOODEENAuditors: PRICEWATERHOUSECOOPERSActuary: TRIANGLE ACTUARIAL SERVICES, R LEISER-BANKSCountries other than Trinidad and Tobago in which the Company writes business: Anguilla, Antigua, Aruba, Barbados, Bermuda, Cayman Islands, Curacao, Dominica, Grenada, Guyana, Panama, St. Kitts & Nevis, St. Lucia, St. Vincent, Turks & Caicos.


ASSETS $ $

LIABILITIES $ $

�5,198,�69476,110

1,792,119�7,86�,��4

187,5�8,4091,214,�89

�57,858,�944,184,405

600,6655,0�2,622

264,082,7�0

9,0�5,84949,215,5�817,006,290

1,067,89181�,281

5,545,�206,527,70�

58,054,994

411,349,596

�67,685,591

17,869,5546,�15,8��

19,�26,707151,911

411,349,596

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities NETLIABILITIES

Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other

TOTALLIABILITIES



CAPITALINSURANCELIMITEDINCORPORATED-1968

Directors: Y. ALI; V. BELLAMY; F. ALI KANGALOO; S. ALI; R ABDOOLSecretary: F. NANANAuditors: A. RAMOUTAR AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: Antigua

ASSETS $ $


LIABILITIES $ $

�,52�,4596,708,750

22,670,5694�,844,040

5,050,000

�5,�95,15420,��6,07�

747,41�7,9�1,4�7

81,796,818

1��,5451,170,862

600,000718,142170,625916,�22

8,85�,�0��9,991,210

134,350,827

64,410,077

9,750,00012,127,95244,62�,927

�,4�8,871

134,350,827

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance)

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities NETLIABILITIES

Paid-up Share Capital Unrealised Revaluation ReservesRetained Account Other

TOTALLIABILITIES


APPENDIX A

CARIBBEANINSURANCECOMPANYLIMITEDINCORPORATED–1970

Directors: J. SELLIER; J. HADEED; P. ABOUD; C HADEEDSecretary: D. GONZALEZAuditors: R. RAMLAKHAN & COMPANYActuary: APEX CONSULTING LIMITEDCountries other than Trinidad and Tobago in which the Company writes Business: Nil

ASSETS $ $

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THjUNE,2005.

LIABILITIES $ $

Investments: Fixed Deposits Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies

Cash on Current Account and in handSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Other Liabilities NETLIABILITIES

Paid-up Share CapitalNon-Admissible Assets AdjustmentOther

TOTALLIABILITIES

�50,000��0,557

1,2��,198

968,596

1,91�,755

10,559522,296

7,266,75914,756,694

24,470,063

968,596

20,000,000(20,�20,400)

2�,821,867

24,470,063



CARIBBEANATLANTICLIFEINSURANCECOMPANY(TRINIDADANDTOBAGO)LIMITEDINCORPORATED-1977

Directors: D. CAMACHO; N. LOK JAK; A. ARCHER; F LOPEZ-COLLYMORE; G. PINARD; P. GANTEAUME; S WILSON; S AHAMADSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSActuary: M. BOSLANDCountries other than Trinidad and Tobago in which the Company writes Business: Nil

ASSETS $ $


LIABILITIES $ $

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Other Investments

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities NETLIABILITIES

Other

TOTALLIABILITIES

18,768100,000

48,4624,8�9,0968,461,189

6,877,7922�0,480

2,5942,902,616

1�,467,515

2�8,8156,6�0

918,6818,240

106,01725,794

1,541,60�

16,313,295

9,884,45�

6,299,81�

16,313,295


APPENDIX A

CITIZENINSURANCECOMPANYLIMITED INCORPORATED-1978

Directors: H.L. GOBIN; R. SUDAMASecretary: R. SUDAMAAuditors: R. CHADEE & COMPANY CHARTERED ACCOUNTANTSCountries other than Trinidad and Tobago in which the Company writes Business: NIL

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STjANUARY,2005.

ASSETS $ $

LIABILITIES $ $

1,076,18�1,849,5442,980,240

68,200

1�,547,061 2,�41,000

512,882

5,974,167

1,544,769689,716

87,04�2�6,061

8,531,756

16,400,94�

2,197,976 (10,067,16�)

8,531,756

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies

Cash on Current Account and in handOutstanding PremiumsInterest, dividends and rents accruing but not dueFixed Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOther Liabilities NETLIABILITIES

Paid-up Share Capital Other

TOTALLIABILITIES



COLONIALFIREANDGENERALINSURANCECOMPANYLIMITED INCORPORATED–1955

Directors: R. Ng CHOW; A. THOMAS; W.P. HARRIS; H. GOON LUN; R.A. MAYERS; F.T. PREVATT Secretary: N. REISAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the Company writes business: Turks & Caicos

ASSETS $ $


LIABILITIES $ $

21,727,671840,757

18,826,058�2,026,200

4,619,1004,600,000

45,8�0,87117,289,271

876,09411,6�4,845

4,�77,65042,26�,258

82,6�9,786

12,978,�8719,028,2�7

62,0491,249,5241,217,585

20,787,15116,61�,571

154,576,290

122,271,989

15,751,0�4 (�,997,841)19,�44,750

1,206,�58

154,576,290

Investments: Trinidad and Tobago Government Securities Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance) Other Investments

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NETLIABILITIES


TOTALLIABILITIES

Note: Other includes excess of assets over liabilities outside of Trinidad and Tobago


APPENDIX A

COLONIALLIFEINSURANCECOMPANY(TRINIDAD)LIMITEDINCORPORATED–1936

Directors: L.A. DUPREY; H CHARLES; S DEONARINE; E DZIADYK; I GARCIA; K GARDIER; V NAIPAUL Secretary: N PATRICKAuditors: PRICEWATERHOUSECOOPERSActuary: E DZIADYK Countries other than Trinidad and Tobago in which the Company writes business: Bahamas, Belize, Cayman Islands, Guyana, Suriname

ASSETS $ $


LIABILITIES $ $

�,171,858,658 778,608,666

6,652,787,729501,4��,578

�4,91611,187,287

91�,6��,��

8,5�7,�96,451 5,568,677

�07,076 (412,7�5)

7�0,210,0�9 27,278,�76

2,441,1�2,674

12,029,544,167

247,69�,74� 74,79�,707 97,052,162

674,412 (875,598)2,200,850

298,607,52� 116,7��,095 616,169,122

2,677,717,�72

16,160,310,555

11,741,480,558

7,500,000 4,087,�87,688

�12,179,88511,762,424

16,160,310,555

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Preference shares in non-T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsAnnuities due and unpaid Other Liabilities NETLIABILITIES

Paid-up Share Capital Unrealised Revaluation ReservesRetained Account OtherTOTALLIABILITIES



CUNACARIBBEANINSURANCESOCIETYLIMITED INCORPORATED-1989Directors: R. MC LAREN KELLMAN; J. TEJEDA-VERA; R. SWOBODASecretary: A. GOINDOO Auditors: KPMG PEAT MARWICKActuary: KR SERVICES LIMITED.Countries other than Trinidad and Tobago in which the Company writes business: Antigua & Barbuda, Dominica, Montserrat, St. Kitts, St. Lucia.

ASSETS $ $


LIABILITIES $ $

6,75�,�998,407,2716,�65,448

18,0��,0�125,000

16,�2�,208

�9,974,22�15,718,616

�97,964885,8644�2,049104,596

5,20�,84�

55,907,�57

6,4�1,090�,200,4866,152,295

470,0802,250,289

4�7,286862,955

1,6�1,181

77,343,019

62,717,150

4,514,265 (1,01�,5�7)11,125,1�6

77,343,019

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Other Investments

Cash on Current Account and in handPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersDeposits re policies Unpaid Policyholders dividends Other Liabilities NETLIABILITIES

Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account

TOTALLIABILITIES


APPENDIX A

ExPORT-IMPORTBANKOFTRINIDADANDTOBAGOLIMITEDINCORPORATED-1973

Directors: C. BENN; A V. HENRY; A. CATO; A. HADEED; L.LEQUAY; R. ABASALI G. LAUGHLIN; K. PARKER Secretary: J.A. IBLEAuditors: PANNELL KERR FOSTERCountries other than Trinidad and Tobago in which the Company writes business: NIL

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THSEPTEMBER,2005.

ASSETS $ $

LIABILITIES $ $

5,995,000212,845

1,000,000

206,�81 60,805,854

�,095,814

7,207,845

6,905,80��74,477

1,491,785582,625

56,88�,159

73,445,694

64,108,049

12,2�4,000 (2,076,181)

595,920 (1,416,094)

73,445,694

Investments: Fixed Deposits Trinidad and Tobago Government Securities Bonds and Debentures in T&T Companies

Cash on Current Account and in handInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Claims admitted or intimated but not paidBank Loans and OverdraftsOther Liabilities NETLIABILITIES


TOTALLIABILITIES



FURNESSANCHORAGEGENERALINSURANCELIMITEDINCORPORATED–1979

Directors: D. M RAJPAULSINGH; W. A. FERREIRA; J. G. FERREIRA; P. A. FERREIRA; V. PRAIMSecretary: P. A. FERREIRAAuditors: PRICEWATERHOUSE COOPERSCountries other than Trinidad and Tobago in which the Company writes business: NIL

ASSETS $ $


LIABILITIES $ $

1,864,458229,908772,6�0

1,109,2701,1�1,278

802,�46201,422

2,866,996

4,265,7�9611,219

11,88749,972

1,251,504160,546

9,217,863

�,244,�16

�,�00,000 (48,867)614,405

1,110,897 997,112

9,217,863

Investments: Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS


Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other

TOTALLIABILITIES


APPENDIX A

G.T.M.FIREINSURANCECOMPANYLIMITED INCORPORATED–1977

ASSETS $ $


LIABILITIES $ $

2,100,000854,895707,�74147,98�

4,451,8�01,91�,9�2�,414,075

10,068,�05 5,578,927 5,00�,560 5,829,712 1,�44,917

Directors: L. SUMADH; V. RAMLOGAN; D. RAMLAL; L. DHANOOSecretary: L. LOPEZAuditors: L DE NOBRIGA & COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL.

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance) Other Investments


TOTAL ASSETS


Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other

TOTALLIABILITIES

1�,590,089

1,182,5894,625,676

22,�8�127,7�029�,�78

14,876,416

34,718,261

27,825,421

5,1�5,176 (41,8�9,0�6)

7,490,�96 �0,110,922

5,995,�82

34,718,261



GUARDIANGENERALINSURANCELIMITED INCORPORATED-1973

Directors: R. MARTINEAU; S. WILSON; H. DOTTIN; I. AHAMAD; R. ESPINET, T. FARRELL; P. GANTEAUME; N. LOK JACK; A. LANCASTER; J. GONZALES; N. DINGWALLSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the Company writes Business: Barbados

ASSETS $ $


LIABILITIES $ $

5,624,71�8,6�2,052

49,82�,50026,752,144�0,499,594��,�12,0�7�6,029,221

2,�10,050

69,700,725 122,608,967

17,1�2,592 872,929

95,774,20�

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Other Investments

Cash on Current Account and in handOutstanding PremiumsSundry Debtors

TOTAL ASSETS



TOTALLIABILITIES

192,98�,�11

79,491,629��,269,57690,527,�21

396,271,837

�06,089,416

1,195,780,006 (1,227,292,8�9)

71,4�6,78� 50,258,471

396,271,837


APPENDIX A

GUARDIANLIFEOFTHECARIBBEANLIMITEDINCORPORATED-1981

Directors: D. CAMACHO; N. LOK JAK; A. ARCHER; F LOPEZ-COLLYMORE; G. PINARD; P. GANTEAUME; S WILSON; S AHAMADSecretary: FE LOPEZ-COLLYMOREAuditors: PRICE WATERHOUSECOOPERSActuary: M. BOSLANDCountries other than Trinidad and Tobago in which the Company writes business: Barbados, St Vincent & The Grenadines

ASSETS $ $


LIABILITIES $ $

258,799,41715,771,946

229,775,9872�9,898,508

14,�60,21�1,5�6,279,7�1

204,9�8,172�2,990,871

189,��9,19076,206,022

�,824,�75

�,82�,0�0,282 �9,549,702

8��,860 1�,�85,025

8,081,091 �5,�05,5�2

�,94�,997 �2�,979,571

2,802,184,4�2

40,026,7�2128,856,247

22,614,5718,809,006

2�,1�5,�9927,098,0�148,166,47278,887,891

211,�41,642525,520,05�

3,916,640,476

4,248,109,060

5�,�49,005 (420,400,571)

12,678,802 22,904,180

3,916,640,476

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Foreign Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Other Investments

Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersDeposits re policies Accrued interest on policies Other Liabilities NETLIABILITIES

Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account

TOTALLIABILITIES



GULFINSURANCELIMITEDINCORPORATED-1974

Directors: C.H. SALVATORI; H.V. SALVATORI; J.D. BARKLEY; C.A. SALVATORI; R.S. FOSTERSecretary: KENNETH KONGAuditors: LEO CHOW AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: Anguilla, British Virgin Islands, Dominica, Grenada, St. Kitts Nevis, St. Lucia, St Maarten, US Virgin Islands.

ASSETS $ $

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STMARCH,2005.

LIABILITIES $ $

5,�08,2�5 5,100,000

815,000 12,90�,201

4,404,522 1,15�,711

18,880,281

7,590,177 10,594,698

(��,149,770)5,5��,422

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance)

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesFixed AssetsOther Assets

TOTAL ASSETS



TOTALLIABILITIES

48,564,950

7,415,244 6,170,�46 1,�64,911

20,14�,278 (�5,592,876)

48,065,853

(9,4�1,47�)

1�,500,000 19,571,�64 24,425,962

48,065,853


APPENDIX A

MARITIMEGENERALINSURANCECOMPANYLIMITEDINCORPORATED-1978

Directors: J.H. SMITH; J. SOHUN; O. CAMPSSecretary: THE MARITIME FINANCIAL GROUP LIMITEDAuditors: PANNELL KERR FORSTERCompanies other than Trinidad and Tobago in which the Company writes business: NIL

ASSETS $ $


LIABILITIES $ $

86,124,11725,252,756

�,825,26840,41�,961

24,517,6��46,449,577

1,2�6,9164,789,5201,576,488

16,258,06�

155,616,102

6,564,7�411,211,892

1,045,766

174,438,494

94,828,197

4,965,00049,172,96625,472,��1

174,438,494

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NET LIABILITIES


TOTAL LIABILITIES



MARITIMELIFE(CARIBBEAN)LIMITEDINCORPORATED-1971

Directors: J.H. SMITH; J. SOHUN; L. ALFONSO; T. TANG Secretary: THE MARITIME FINANCIAL GROUP LIMITEDAuditors: PANNELL KERR FORSTER Actuary: M. CHONG TAI-BELLCountries other than Trinidad and Tobago in which the Company writes business: NIL

ASSETS $ $


LIABILITIES $ $

641,�52,197

782,519��,746,00�42,027,95611,691,218

4,709,57422,864,490

170,655,�86

927,829,343

846,601,8�6

10,871,�875,712,�41

26,888,577�7,755,202

927,829,343

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance)

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents outstandingSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsPremiums paid in advanceBank Loans and OverdraftsProvisions for unreported claims Unpaid Policyholders dividends Other Liabilities NETLIABILITIES

Paid-up Share Capital Share Premium AccountRetained Account Other

TOTALLIABILITIES

268,898,607192,948,279

10,000,0007�,916,268

9,81711,700,0002�,09�,65060,785,576

791,02�,90296,444

919,72�8,695,5116,8�4,049

�9,0�2,207


APPENDIX A

MEGAINSURANCECOMPANYLIMITEDINCORPORATED-1980

ASSETS $ $


LIABILITIES $ $

�0,276,4598,905,029

16,628,80418,�81,58817,500,000

12�,90�,000 �,256,759

168,202 1,816,672

140,585 4,406,628

Directors: A. TOM YEW; DR. W. WINCHESTER; B. DOYLE; I. BEHARRY; E. CHEONG; K. CHOLMONDELEY; C. GILL; P. GILLETTE; K. ISAACS; H. RUSSELLSecretary: P. ALEONGAuditors: PRICEWATERHOUSECOOPERSActuary: PRESCIENCE INSURANCE CONSULTING AND ACTUARIES INC.Countries other than Trinidad and Tobago in which the Company writes business: NIL

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance)

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersDeposits re policies Other Liabilities

NETLIABILITIES


TOTALLIABILITIES

91,691,880

662,�5112,122,8�2

9,065,70947,912

4,�62,100916,684110,2��

2,092,�00�1,510,922

6,900,500

159,483,423

1��,691,846

�5,000,000 (5,979,819)(4,69�,962)

1,465,�58

159,483,423



MOTORANDGENERALINSURANCECOMPANYLIMITEDINCORPORATED-1959

Directors: K SANOWAR; I.T. INNISS, W. MURRAYSecretary: I.T. INNISSAuditors: BOB GOPEE AND ASSOCIATESCountries other than Trinidad and Tobago in which the Company writes business: Grand Cayman, Cayman Island’s B.W.I.

ASSETS $ $


LIABILITIES $ $

28,426,0�95,842,775

590,�8211,275,9�2

16,104,6�52�,180,512

�,448,�061,658,70�

46,1�5,128

4,047,891944,558

22,047,9��

73,175,510

44,�92,156

1�,�74,8809,784,9285,62�,546

73,175,510

Investments: Fixed Deposits Trinidad and Tobago Government Securities Other Caricom Government Securities Ordinary shares in T&T Companies

Cash on Current Account and in handSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidBank Loans and OverdraftsOther Liabilities NET LIABILITIES

Paid-up Share Capital Unrealised Revaluation ReservesRetained Account

TOTAL LIABILITIES


APPENDIX A

MOTORONEINSURANCECOMPANYLIMITEDINCORPORATED-1976

ASSETS $ $


LIABILITIES $ $

�2�,6965,456,144

�02,2712,270,4586,469,295

7,149,6011,451,��71,608,0074,�07,286

870,258

Directors: D RAMLAL; S. RAMDATH; V. RAMLOGAN; L. AYOUNGSecretary: R.HOSEINAuditors: L. De NOBRIGA & COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance)

Cash on Current Account and in handPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities

NETLIABILITIES

Paid-up Share Capital Unrealised Revaluation ReservesRetained Account

TOTALLIABILITIES

14,821,864

1,44�,�681,877,0�2

�69,186102,882

2,164,019506,740

�2,951

21,318,042

15,�86,489

4,509,200567,854854,499

21,318,042



NATIONWIDEINSURANCECOMPANYLIMITED INCORPORATED-1973

ASSETS $ $


LIABILITIES $ $

2,177,7801�,242,896

6,55�,24217,745,64514,71�,79�

46,282,4941,457,009

54,265711,869121,�45

9,197,574

Directors: P. DOWNES-GRANT; K. MARSHALL; J. A.BETHELL; T. MARTINS; A. ALEONGSecretary: C. PASEAAuditors: PRICEWATERHOUSECOOPERSActuary: A. LA FONDCountries other than Trinidad and Tobago in which the company writes business: NIL

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Foreign Government Securities Ordinary shares in T&T Companies

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersDeposits re policies Other Liabilities

NETLIABILITIES

Paid-up Share Capital Share Premium AccountUnrealised Revaluation ReservesRetained Account

TOTALLIABILITIES

54,4��,�56

6�7,�44652,185

5,687,69149,221

919,725412,42828�,109

1,008,5�47,�16,726

71,400,319

57,824,556

�,�94,58744,861

9,275,890860,425

71,400,319


APPENDIX A

N.E.M(WESTINDIES)INSURANCELIMITED INCORPORATED–1960

ASSETS $ $


LIABILITIES $ $

�,967,9204,292,820

166,5021,��4,8994,484,�54

15,162,77624,500,000

4�,449 25,808,451 46,821,012

Directors: A. LANCASTER; N. LOK JACK; P. GANTEAUME; R. MARTINEAU; S. WILSON; H. DOTTIN; I. AHAMAD; R. ESPINET; T. FARRELL; N. DINGWALLSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the company writes business Anguilla, Antigua, Bahamas, Barbados, Belize, British Virgin Islands, Cayman Islands, Montserrat, St Kitts & Nevis, St. Lucia, St Vincent & The Grenadines, Turks & Caicos, US Virgin Islands:

Investments: Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Other Investments

Cash on Current Account and in handOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsAmount due to ReinsurersOther Liabilities

NETLIABILITIES


TOTALLIABILITIES

5�,909,271

20,861,24926,976,270

99,6001,568,459

29,282,41218,89�

132,716,154

72,672,912

�7,758,�52 (71,658,668)

78,724,225 15,219,��

132,716,154



REINSURANCECOMPANYOFTRINIDADANDTOBAGOLIMITED INCORPORATED-1975

ASSETS $ $


LIABILITIES $ $

�,2�4,0944,650,0571,500,0006,660,279

5,022,586 9,7��,76� 7,9��,967

49,802 �,678,278

Directors: R. LAKHAN –NARACE; D. LALOR; P LALOR; D. MITCHELL; L. LEE SING F. AL RAWI; R. TIM KEE Secretary: A. WEST SMITHAuditors: HYACINTH SIMMSActuary: R. RAMBERRANCountries other than Trinidad and Tobago in which the company writes business: NIL.

Investments: Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies Other Investments

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed Assets

TOTAL ASSETS


NETLIABILITIES

Paid-up Share Capital Share Premium AccountNon-Admissible Assets AdjustmentRetained Account Other

TOTALLIABILITIES

16,044,4�0

�,684,004�,277,1142,992,455

�45,8702,�91,8�4

28,735,707

26,418,�96

20,��,�� 1,929,166

(12,8�0,809)(9,250,841)

2,1�6,462

28,735,707


APPENDIX A

ROYALCARIBBEANINSURANCELIMITEDINCORPORATED–1976

Directors: R. MARTINEAU; S. WILSON; H. DOTTIN; I. AHAMAD; R. ESPINET, T. FARRELL; P. GANTEAUME; N. LOK JACK; A. LANCASTER; J. GONZALES; N. DINGWALLSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the company writes business: NIL

ASSETS $ $


LIABILITIES $ $

1,487,261222,101

2,6�8,019

4,581,9�2 1,496,940

8,1�1

4,�47,�81

496,87887,255

600,621

5,532,135

6,087,00�

�,000,000(19,1�4,�81)

11,864,224 �,715,289

5,532,135

Investments: Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handInterest, dividends and rents accruing but not dueSundry Debtors

TOTAL ASSETS

Claims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES



SAGICORGENERALINSURANCEINCORPORATEDINCORPORATED–2004

Directors: D. MILLER; M.J.K. PRITCHARD; I. ALLEYNE; D. DEANE; M.P. DOWNES-GRANT; A. LA FOND; A.E. THOMASSecretary: A.C. HAZZARD Auditors: PRICEWATERHOUSECOOPERS Countries other than Trinidad and Tobago in which the company writes business: Barbados, Cayman Islands, Dominica, St. Lucia.

ASSETS $ $


LIABILITIES $ $

�,177,69216,860,�76

15,647,4108,060,256

18,887,241

20,0�8,068

1,641,82814,526,1�7

2,728,0102,179,596

6�0,107851,161

42,594,907

42,594,907

42,594,907

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOther Liabilities NET LIABILITIES

TOTAL LIABILITIES


SAGICORLIFEINCORPORATEDINCORPORATED-2002

Directors: J.A. BETHELL; D.W. ALLAN; V.A.L. GITTENS; O.W. JORDAN; S.D.R. Mc NAMARA; T.A. MARTINS; A. ALEONG; H. Mc D BECKLES; D.D. MILLER; W.B. LUCIE-SMITH; C.D. de CAIRES; P. DOWNES-GRANTSecretary: S. OSBORNEAuditors: PRICEWATERHOUSECOOPERSActuary: A. LAFONDCountries other than Trinidad and Tobago in which the Company writes Business: Anguilla, Antigua & Barbuda, Barbados, Cayman Islands, Dominica, Grenada, Montserrat, St. Kitts, St. Lucia, St. Vincent & The Grenadines.

ASSETS $ $


LIABILITIES $ $

157,��6,706152,572,141

92,807,�8886,�80,27427,�62,711

219,291,57758,78�,067�2,978,871

5,206,749�96,6�2,�27

91,��1,48016,896,22845,045,4�1

2,0�1,790,546 26,778,677

28,615 2,669,06�

10,558,080 �,46�,790 2,684,750

56,770,981

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Foreign Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Preference shares in non-T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance)

Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsUnpaid Policyholders dividends Other Liabilities NETLIABILITIES

Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account

TOTALLIABILITIES

APPENDIX A

1,�82,624,950

20,548,�574�8,47�,199

20,621,06211,2�2,91510,�22,62920,747,2�8

922,051278,99�,277172,952,5�5

20,057,5��

2,377,495,746

2,1�4,744,502

(�,41�,186)244,611,888

1,552,542

2,377,495,746



SCOTIALIFEINSURANCELIMTEDINCORPORATED-2003

ASSETS $ $


LIABILITIES $ $

10,�69,694�6,957,5147�,76�,18�

1,874,59�

86,402,44�500

162,�8�204,�2�

2,496,766

Directors: R. YOUNG; T. FARRELL; O. ZIMMERMANSecretary: B. JAMESAuditors: KPMG CHARTERED ACCOUNTANTSActuary: RICHARD LABELLECountries other than Trinidad and Tobago in which the Company writes Business: NIL


Cash on Current Account and in handMortgage LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry Debtors

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceDeposits re policies Other Liabilities

NETLIABILITIES

Paid-up Share Capital Retained Account

TOTALLIABILITIES

122,964,984

2,1�9,42124,970,274

69,0442,��6,650

102,806

152,583,179

89,266,417

60,000,000�,�16,764

152,583,179


APPENDIX A

SUNLIFEASSURANCEOFCANADA INCORPORATED-1952

Directors: D.A. STEWART, R. OSBORNE, B.F. NADEAU, J. BAILLE, G.W. CARMANY, J. CLAPPISON, W.V. STOUGHTON, D.A. GANONG, G. GIBARA K.T. HOEG, D.W. KERR, I.F. KENSERSecretary: J.M. WILSONAuditors: DELOITTE & TOUCHEActuary: R.W. WILSONCountries other than Trinidad and Tobago in which the Company writes business: Canada, United States, Great Britain, Ireland, Philippines, Indonesia, Bermuda, Hong Kong, Barbados, Puerto Rico.

ASSETS $ $


LIABILITIES $ $

996,741

456,986129,�84688,141

996,741

51,278 195,964

(2)�0,5�0

1,274,511

1,274,511

1,274,511

Investments: Trinidad and Tobago Government Securities

Cash on Current Account and in handPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not due

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOther Liabilities NET LIABILITIES

TOTAL LIABILITIES



TATILLIFEASSURANCELIMITEDINCORPORATED-1977

Directors: A. N. SABGA; G. BROOKS; M.MOSES; R. SUMAIRSINGH; W.D. CLARKE; V.P. HERDESecretary: M.MUSA IBRAHIMAuditors: ERNST AND YOUNGActuary: ECKLER PARTNERS LIMITEDCountries other than Trinidad and Tobago in which the Company writes business: NIL

ASSETS $ $


LIABILITIES $ $

70,042,74771,265,59995,154,�7020,854,476

259,790,488168,97�,�78

1,204,9411�2,228,96�

98,142,00120,841,�75

841,82�,448 1�,168,112

2,514,577 441,964

1,001,��0 4,9��,�85

69,081,964

9�8,498,��8

6,429,08240,919,8�915,800,042

556,0995,872,544

41,�62,�9815,5�0,10920,700,000

9,549,000

1,095,217,451

9�2,964,780

�,000,000 (1,�80,9�5)

160,6��,606

1,095,217,451

Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Other Investments

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersDeposits re policies Other Liabilities NETLIABILITIES

Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation Reserves

TOTALLIABILITIES


APPENDIX A

THEBEACONINSURANCECOMPANYLIMITED INCORPORATED–1970

ASSETS $ $


LIABILITIES $ $

10,012,6616,�08,0002,�01,�24

1�,259,198�,917,6944,019,�00

18,187,841 18,�78,552 14,751,52�

4,116,849

Directors: G.S.HADEED; P. BRYAN; R. LEWIS; L. GONSALVES; F. DE NOBRIGA

Secretary: D. GONZALEZ


Actuary: ECKLER PARTNERS, PRESCIENCE INSURANCE CONSULTANTS & ACTUARIES

Countries other than Trinidad and Tobago in which the Company writes Business: Barbados, Commonwealth of Dominica, Grenada, St Lucia.

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Foreign Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handMortgage LoansOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NETLIABILITIES

Paid-up Share Capital Non-Admissible Assets AdjustmentOther

TOTALLIABILITIES

�9,818,177

5,171,978�92,�61707,515

9,087,�971,�52,692

5�6,1292,4�0,�98

15,894,781

75,391,428

55,4�4,765

10,000,000 (10,2�8,�47)

20,195,010

75,391,428



THEDEMERARALIFEASSURANCECOMPANYOFTRINIDADANDTOABGOLIMITED INCORPORATED–1970

ASSETS $ $


LIABILITIES $ $

�0,278,�727,8�5,056

�7,188,0714,198,�201,914,745

740,�74

10�,211,6612,400,719

144,75610,894,587

Directors: P. GILLETTE; R. FIELDS; K. CHOLMONDELEY; H. RUSSELL; C. NIMBLETT;

W. WINCHESTER; C. GILL

Secretary: G. DE MATAS


Actuary: PRESCIENCE INSURANCE CONSULTANTS & ACTUARIES

Countries other than Trinidad and Tobago in which the Company writes Business: Nil

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance) Other Investments

Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingFixed Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities

NETLIABILITIES

Paid-up Share Capital Retained Account

TOTALLIABILITIES

82,154,9�8

�,049,8615,�4�,6�66,002,241

92,1422,655,5582,9�1,126

26,996,894

129,226,396

116,651,72�

5,750,0006,824,67�

129,226,396


APPENDIX A

THEGREATNORTHERNINSURANCECOMPANYLIMITEDINCORPORATED-1969

ASSETS $ $


LIABILITIES $ $

6,29�,6702,076,112

55�,949

�,769,6792,089,091

260,6101,418,6961,444,095

Directors: W. ALEXANDER; C. SINGH, G. MAHABIR-RAMSAHAISecretary: D. PERSAD-NARINEAuditors: BERTRAM HADAWAY AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL

Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies


TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther

NET LIABILITIES


TOTAL LIABILITIES

8,92�,7�1

1,061,087�66,180612,226

72,0�9178,111

2,�75,962

13,589,336

8,982,171

2,17�,0001,992,670

441,495

13,589,336



THENEWINDIAASSURANCECOMPANY(TRINIDADANDTOBAGO)LIMITED INCORPORATED-1976

ASSETS $ $


LIABILITIES $ $

�,184,5671�,�79,97�12,14�,821

199,6804,241,486

9,807,9�� 7,801,822

18,987,702 9,809,040

Directors: B. CHAKRABARTI; S. GOPALAN; K. SIRJU; G. CHATURVEDI; J. SIEWRATTAN; H. BROOMES ; A. SEKARSecretary: H.S SERVICES LIMITEDAuditors: ERNST AND YOUNGCountries other than Trinidad and Tobago in which the Company writes business: Dominica, St. Lucia, St. Maarten

��,149,527

6,9�2,58�6,146,277

1,9802,759,8606,770,241

22,857,969

78,618,437

46,406,497

17,418,945 199,242

(205,957)16,044,129 (2,044,419)

800,000

78,618,437

Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Paid-up Share Capital Share Premium AccountNon-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other

TOTAL LIABILITIES


APPENDIX A

THEPRESIDENTIALINSURANCECOMPANYLIMITED INCORPORATED-1970

ASSETS $ $

SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STOCTOBER,2005.

LIABILITIES $ $

4,7�6,75648�,500

5,856,51164,624

7,568,6208,416,5111,540,1051,755,8976,966,060

Directors: A. ALI; A. HALLIM; R. RAJCOOMAR; J. FRANKLYN; H.HOSPEDALESSecretary: R. RAJCOOMARAuditors: KRISHNA SEEGOBIN AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL

11,141,�91

892,867509,954

6,�12,�6�6,128,8�4

6�,460110,791

15,�61,�91

40,521,051

26,247,19�

6,000,0004,784,0791,125,9722,�6�,807

40,521,051


Cash on Current Account and in handOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS


NET LIABILITIES


TOTAL LIABILITIES



THEWESTERNGENERALINSURANCECOMPANYLIMITEDINCORPORATED-1959

ASSETS $ $


LIABILITIES $ $

4,822,9�72,045,740

40,000

�69,2924,082,�5�

Directors: B. HARRY; D. PERSAD-NARINESecretary: D. PERSAD-NARINEAuditors: BERTRAM HADAWAY AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL.


Cash on Current Account and in handInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS

Claims admitted or intimated but not paidOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

6,908,677

5�,055142,47�

�,402,172499,218

11,005,595

4,451,645

5,083,700725,149745,101

11,005,595


TRINIDADANDTOBAGOINSURANCELIMITEDINCORPORATED-1963

Directors: A. N. SABGA; G. BROOKS; M.MOSES; R. SUMAIRSINGH; W.D. CLARKE; V.P. HERDESecretary: M MUSA IBRAHIMAuditors: ERNST AND YOUNGCountries other than Trinidad and Tobago in which the company writes business: Antigua, Barbados, Grenada, St. Lucia, Dominica

ASSETS $ $


LIABILITIES $ $

�9,699,9664,091,5007,�01,079

67,2�1,�8�4,609,2��

14,7006�,918,156�0,159,8�5

6,861,2419,080,476

49,494,946

46,�28,448 57,��7,691

1,446,6�1 784,759

4,044,828 �4,894,881

Investments: Fixed Deposits Trinidad and Tobago Government Securities Other Caricom Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance) Other Investments

Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersOther Liabilities NETLIABILITIES

Paid-up Share Capital Share Premium AccountNon-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other

TOTALLIABILITIES

282,462,515

9,45�,0019,259,987

165,0752,045,969

14,70�,1�49,109,096

50,614,679

377,813,456

144,8�7,2�8

19,069,596 �2,944

(11,189,��7)78,127,776 90,142,1�2 56,79�,107

377,813,456

APPENDIX A


UNITEDINSURANCECOMPANYLIMITEDINCORPORATED-1976

ASSETS $ $


LIABILITIES $ $

10,29�,689�,928,291

14,56�,20�

�,�65,2�4�,581,86�1,�42,945

20,�65,965

Directors: H.A. TOPPIN; T.A. PEIRCE; R.G. CAVE; G. KING; D.A. BLACKMAN; D.W. BOYCESecretary: R.A.R.S. MARSHALLAuditors: ERNST AND YOUNGCountries other than Trinidad and Tobago in which the company writes business: Antigua, Aruba and the Netherland Antilles, Bahamas, Barbados, Belize, Dominica, Grenada, Guyana, Montserrat, St Lucia, St Vincent and The Grenadines, Turks and Caicos.


Cash on Current Account and in handOutstanding Premiums

TOTAL ASSETS

Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsOther Liabilities

NET LIABILITIES

Retained Account Other

TOTAL LIABILITIES

28,785,18�

4,�60,7279,951,076

43,096,986

28,656,007

7,940,9796,500,000

43,096,986



APPENDIX B

LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.

AGENT ANNIVERSARYDATE

(MONTH/DAY)

AGENTFOR/COMPANY

Nov/10

Aug/16

Nov/25

Jan/21

May/18

Jul/26

Jan/0�

Jan/0�

Oct/12

Jul/16

Apr/09

Mar/08

Mar/29

Jul/29

1

2

�

4

5

6

7

8

9

10

11

12

1�

14

1 On 1 Solutions Limited.

A.E.R. Investment Services Limited.

A.E.S. Enterprises Limited

A.Rauseo & Associates Limited

A.S. Bryden & Sons (Insurance) Limited

AB Financial Solutions Limited

Abco Insurance Services Limited

ABS Financial Services Limited

Accident Insurance Marketing Limited

Adla Services Limited

Adrian Balkissoon t/a Adrian Balkissoon Enterprises

Advanced Investments Management Limited

Aerie International Limited

AFM Insurance Marketing Services & Investments Limited




American Life and General Insurance Company Trinidad Limited



Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited


Colonial Fire and General Insurance Company Limited/ Colonial Life Insurance Company (Trinidad) Limited



Guardian General Insurance Limited/ Guardian Life of the Caribbean LimitedGuardian Life of the Caribbean Limited



LIST OF REGISTERED AGENTS



(MONTH/DAY)

AGENTFOR/COMPANY

Apr/11

Aug/0�

Apr/�0

Mar/08

May/25

Oct/18

Sep/01

Jun/11

Mar/21

Nov/18

Jun/07

May/18

Jun/07

Jul/04

15

16

17

18

19

20

21

22

2�

24

25

26

27

28







Guardian General Insurance Limited / Guardian Life of the Caribbean Limited



Colonial Fire and General Insurance Company Limited / Colonial Life Insurance Company (Trinidad) Limited



The New India Assurance Company (T’dad & T’go) Limited


AGN Insurance And Investments Limited

Ajax Services Limited

Akal Assets & Risk Management Limited

Albert Kenneth Jodhan

Albert N. Abreu t/a Abreu Trading Company

Allan Tang Choon

ALM Insurance Services Limited

Amada Investments & Financial Services Limited.

Amity Insurance Agencies Limited

Amritam Services Limited

Anand Rajkumar

Andrea Marta AJM Financial Services

Andrew Calcut t/a Calcut Insurance Services Limited

Andrew Hackett Insurance Services Limited




(MONTH/DAY)

AGENTFOR/COMPANY

29

�0

�1

�2

��

�4

�5

�6

�7

�8

�9

40

41

42

Andy De Vert Insurance Consultants Limited

Andy Gopaul

Anina Financial Services Limited

Anlegro Insurance Services Limited

Anna Gillian Mohammed

Anna Nunes t/a Erna Insurance Services

Annette Khan

Anormel Investments Limited

Ansa Mc Al Group Employees Credit Union Co-operative Society

Anthony Davis t/a Successful Ideas Limited

Anthony Nagassar t/a FAN Services

Anthony Ramsingh t/a Anthony Ramsingh Insurance Services

Anthony St. Lewis

Archton Services Limited

Mar/21

Dec/09

Nov/25

Feb/14

Jan/0�

Sep/14

Jul/04

Apr/11

Mar/21

Apr/15

Jul/04

Dec/22

Sep/10

Jul/04


Citizen Insurance Company Limited / Motor & General Insurance Company LimitedColonial Life Insurance Company (Trinidad) Limited



Guardian General Insurance Limited / Guardian Life of the Caribbean LimitedColonial Life Insurance Company (Trinidad) Limited








APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

4�

44

45

46

47

48

49

50

51

52

5�

54

55

56

Arthur Bishop Insurance Services Limited

Astad Investments Limited

Atherly Services Limited.

Authentic Insurance Services Limited.

B & B Gray Enterprises Limited

B. K. Insurance Agency Limited

B. Pedro Insurance Services Limited

B. Williams-Groome Financial Services Limited

B.J. Financial Services Limited

B.M.W. Professional Services Limited.

Barbara Kanhai t/a St. Clair Financial Services

Bates Asset Management Company Limited.

Beatrice Investments Limited.

Ben’s Insurance & Financial Services Limited

Jul/01

Feb/25

Sep/17

Sep/01

May/14

Sep/14

Dec/22

Apr/1�

Feb/25

Jul/27

Nov/02

Jul/22

Dec/28

Feb/2�

Maritime General Insurance Company Limited/ Maritime Life (Caribbean) LimitedAmerican Life and General Insurance Company Trinidad Limited



Tatil Life Assurance Limited/ Trinidad and Tobago Insurance Limited



Tatil Life Assurance Limited / Trinidad and Tobago Insurance Limited











(MONTH/DAY)

AGENTFOR/COMPANY

57

58

59

60

61

62

6�

64

65

66

67

68

69

70

Bethel Credit Union Co-Op Society Limited

Betty Beatrice De Roche t/a Elizabeth Enterprises

Bisram Insurance Services Limited

Brent Durity t/a B.D.’s Services

Brian Christopher Samlalsingh Limited

Brijesh Supersad

C & R Basdeo Services Limited

C & S Moonah Financial Services Limited

C & Y Dass Services Limited

C.A.J. Limited

C.A.P. Services Limited

C.L.S. Insurance Advisory Services Limited

Caesar’s Advisory Services Limited

Camwiil Financial Enterprises Limited.

Jan/14

May/11

Nov/25

Feb/2�

Nov/18

Nov/22

Apr/27

Mar/29

Sep/08

Jul/04

Jul/04

Apr/11

Oct/12

May/04






Citizen Insurance Company Limited/ Motor & General Insurance Company LimitedGuardian Life of the Caribbean Limited


Maritime General Insurance Company Limited/ Maritime Life (Caribbean) LimitedTrinidad and Tobago Insurance Limited


British American Insurance Company Trinidad Limited



APPENDIX B





(MONTH/DAY)

AGENTFOR/COMPANY

71

72

7�

74

75

76

77

78

79

80

81

82

8�

84

Capil’s Insurance Services Limited

Carew Investments Company Limited

Carl A. Meyer (London Guarantee) Insurances Limited

Carl Dattadeen

Carlton D.C. Buckmyre & Company Limited

Carlton Wong

CFJ Services Limited

Chaab Financial Company Limited

Charles Murray

Charles Norton Guillen t/a Guillen’s Insurance Services

Charmaine Maharaj

Chase Financial Solutions Limited

Cheelan’s Financial Advisory Services Limited

Chelsea & Company Limited.

Apr/�0

Nov/25

Mar/18

Apr/16

Dec/19

Nov/18

Feb/2�

Jan/�1

Feb/09

Mar/18

Dec/28

Jul/12

Dec/29

Dec/22



Guardian General Insurance Limited/ Guardian Life of the Caribbean Limited

Motor & General Insurance Company Limited








Colonial Fire and General Insurance Company Limited/ Colonial Life Insurance Company Limited






(MONTH/DAY)

AGENTFOR/COMPANY

85

86

87

88

89

90

91

92

9�

94

95

96

97

98

Jul/19

Aug/19

Mar/22

Jul/04

Jul/26

Dec/22

Nov/22

Dec/08

Jul/20

Jul/29

Jan/05

Jun/22

Jan/0�

May/18















APPENDIX B

Christian B. Grant Financial Solutions Limited

Christian Hosang

Christopher Knaggs t/a Kris K. Insurance Services

Christopher Lyons Financial Services Limited

CJ’s & Associates Company Limited

Claims Consultants & Administrators Limited

CLICO Credit Union Co-operative Society Limited

Clifford Rachpaul Enterprises Limited

Coastline Financial Services Limited

Conec Marketing & Financial Services Limited.

Cuna Caribbean Insurance Services Limited

Czar Insurance Services Limited

D. L. Financial Services Limited

D. R. Investment & Financial Services Limited





(MONTH/DAY)

AGENTFOR/COMPANY

85

86

87

88

89

90

91

92

9�

94

95

96

97

98

Jul/19

Aug/19

Mar/22

Jul/04

Jul/26

Dec/22

Nov/22

Dec/08

Jul/20

Jul/29

Jan/05

Jun/22

Jan/0�

May/18















Christian B. Grant Financial Solutions Limited

Christian Hosang

Christopher Knaggs t/a Kris K. Insurance Services

Christopher Lyons Financial Services Limited

CJ’s & Associates Company Limited

Claims Consultants & Administrators Limited

CLICO Credit Union Co-operative Society Limited

Clifford Rachpaul Enterprises Limited

Coastline Financial Services Limited

Conec Marketing & Financial Services Limited.

Cuna Caribbean Insurance Services Limited

Czar Insurance Services Limited

D. L. Financial Services Limited

D. R. Investment & Financial Services Limited




(MONTH/DAY)

AGENTFOR/COMPANY

99

100

101

102

10�

104

105

106

107

108

109

110

111

112

Jun/09

Aug/05

Mar/21

Jan/0�

Oct/12

Aug/16

Sep/10

Mar/21

Apr/15

Jul/19

Sep/07

Aug/18

Jun/22

Sep/01















D.Persad Insurance Services Limited

Dalchand Seerattan

Darryl Chung t/a Darryl Chung Agencies

Darryl Moreland

Daryl Dasent t/a D J Z Investments

David Grainger t/a Financial One

David Namsoo t/a D.A.N. Insurance Services

David Parasram

Dayna Vieira t/a Mayfair Insurance Services

DBM Consultants Limited

Debra Nancoo t/a Kaav Enterprise

Delothmar Parray t/a Universal Financial & Advisory Services

Demming Marketing Limited.

Deneco Limited

APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

Sep/14

Aug/2�

Jun/17

Aug/16

May/10

May/18

Feb/2�

Jun/21

Jun/17

May/07

Mar/18

Apr/11

Oct/14

Feb/27


Maritime General Insurance Company Limited/ Maritime Life (Caribbean) LimitedColonial Life Insurance Company (Trinidad) Limited












Dennis Ramdwar t/a Dennis Ramdwar Agency

Deodath Ramdath Singh Insurance & Investment Services LimitedDhanraj Maharaj t/a Dan Maharaj Financial Services

Dianne Grell t/a Financial & Insurance Solutions (FINSOL)

Dominic Gonzalez t/a Suretrade Investments Services

Doncabris Financial Planning Associates Co. Limited.

Donna Salandy t/a Meihkofin Services

Dove Financial Services Limited.

Duncan Financial Services Limited.

Dwarika & Associates Limited

Dyal Ramcharan t/a Dyal Ramcharan Insurance Services

E D Investments Limited

Eaglestar Insurance Services Limited

Eastern Credit Union Co-operative Society Limited.

11�

114

115

116

117

118

119

120

121

122

12�

124

125

126



APPENDIX B



(MONTH/DAY)

AGENTFOR/COMPANY

127

128

129

1�0

1�1

1�2

1��

1�4

1�5

1�6

1�7

1�8

1�9

140

Apr/15

Jul/12

May/25

Nov/25

Sep/01

Jun/17

Feb/2�

May/18

Mar/21

Jul/04

Dec/28

Dec/22

Sep/14

Aug/27




Guardian General Insurance Limited/ The Caribbean Home Insurance Company Limited











Eddie’s Financial Services Limited.

Edward Lewis Francois

Edwin Boyce t/a Edwin T. Boyce Insurance Services

EKTA Consultants Company Limited

Elizabeth G. Ganga Financial Services Limited

Elizabeth Ramathally t/a Frank Ramdeen’s Insurance Agency

Emmanuel Cipriani Lawrence

Enrique Huggins Insurance Services Limited.

Ephraim Thompson t/a Ephraim Insurance Consultant Services

Estee Enterprises Limited

Eugene Nurse

Euodoo Financial Services Limited.

Everard Cabral

Excelsior Innovations Limited





(MONTH/DAY)

AGENTFOR/COMPANY

Sep/01

Feb/09

Sep/01

Jan/10

Feb/14

Jan/21

Nov/09

Jul/29

Nov/25

Nov/25

Jul/19

Feb/2�

Oct/08

Nov/09





Colonial Fire and General Insurance Company Limited/ Colonial Life Insurance Company (Trinidad) Limited




Colonial Fire and General Insurance Company Limited / Colonial Life Insurance Company (Trinidad) Limited





Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited

F & G Enterprises Limited

F A M Investments Limited.

Faith Financial Services Limited.

FANcc Investment Services Limited

Farrell’s Insurance Services Limited

Federal Financial Services Limited

Ferm Insurance Services Limited

FFS Limited

Financial Advisory Services Limited

Financial Evaluation Sales & Services Limited

Financial Physicians Limited

Fitzroy Sirjuesingh t/a Sirjuesingh Insurance Services

FLA Insurance Services Limited

Flemco Services Limited

141

142

14�

144

145

146

147

148

149

150

151

152

15�

154


APPENDIX B



(MONTH/DAY)

AGENTFOR/COMPANY

155

156

157

158

159

160

161

162

16�

164

165

166

167

168

Jan/0�

May/18

Jun/10

Mar/29

Jun/11

Mar/26

Jan/�1

Mar/21

Apr/11

Oct/14

May/25

Aug/26

Apr/10

Feb/2�















Fletcher Vincent Insurance Services Limited

Frederick Maryuen

Fuentes Financial Services Limited

Futuristic Insurance Services Limited

FYC Limited

G.E.T. Financial Services Limited

G.M. Investments Limited

G.V.L. Financial Solutions Limited

Garon Limited

Gee Hee Tee Insurance Services Limited

Gee Tee & F Persnal Financial Services Limited

Geeta Manbodh-Lakhan

General Financial Services Limited

Gerard Ramroach





(MONTH/DAY)

AGENTFOR/COMPANY

169

170

171

172

17�

174

175

176

177

178

179

180

181

182

Sep/02

Jul/04

May/18

Jul/04

Feb/2�

Oct/28

May/06

Sep/02

Sep/02

May/11

Jun/25

Feb/25

Mar/21

Apr/15















Gerhard Akien Limited

Gervase Hannays t/a G.H. Insurance Services Limited

Glennrod Services Limited

Golden Future Investments Limited

Good Financial Services Limited

Gopee-Samlalsingh & Associates Limited

Gordon, Grant & Company Limited

Grandwheels Services Limited.

GRB Financial Services Limited.

Gregory E. Joseph t/a Quick Services Enterprises


Guy Algernon Burton Ottley

H.H. Services Limited

Habil Mohammed t/a Habil Mohammed Agency




(MONTH/DAY)

AGENTFOR/COMPANY

169

170

171

172

17�

174

175

176

177

178

179

180

181

182

Sep/02

Jul/04

May/18

Jul/04

Feb/2�

Oct/28

May/06

Sep/02

Sep/02

May/11

Jun/25

Feb/25

Mar/21

Apr/15















Gerhard Akien Limited

Gervase Hannays t/a G.H. Insurance Services Limited

Glennrod Services Limited

Golden Future Investments Limited

Good Financial Services Limited

Gopee-Samlalsingh & Associates Limited

Gordon, Grant & Company Limited

Grandwheels Services Limited.

GRB Financial Services Limited.

Gregory E. Joseph t/a Quick Services Enterprises


Guy Algernon Burton Ottley

H.H. Services Limited

Habil Mohammed t/a Habil Mohammed Agency

APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

18�

184

185

186

187

188

189

190

191

192

19�

194

195

196

Apr/22

Jul/21

Jan/14

Feb/14

Jan/14

Dec/22

Oct/11

Dec/15

Mar/08

Jan/14

Sep/01

Aug/05

Dec/08

Oct/14















Hamilson’s Insurance Services Limited

Hansa Marketing Limited

Harrinath Seeram t/a Viva Insurance Services

Harrypersad Babwah

Hayden Blackmann t/a H.H.B Consultants

Health & Wealth Management Consultants Limited.

Helen Ache t/a H. Ache Insurance Services

Hellascorp Limited

Herman O Creque & Company Limited

Hillcrest Investments Limited

Hugh Pollonais

I Will Finance Limited

Ian Stone t/a I.S. Insurance Consultant

Ignatius and Company Limited





(MONTH/DAY)

AGENTFOR/COMPANY

197

198

199

200

201

202

20�

204

205

206

207

208

209

210

Nov/02

Nov/09

Nov/26

Apr/27

Dec/22

Jan/14

Oct/25

Feb/09

Mar/18

Jan/21

Apr/1�

Jan/�1

Feb/14

Oct/21















Indira Mohammed

Insurance & Financial Services Limited

Integritus Co. Limited.

Investor’s Paradise Financial Services Limited

J & C Agencies Limited.

J & L Financial & Counselling Services Limited

J. Gregory Farfan t/a J.G.F. Insurance Services

J.K.N. Financial Services Limited

J.Mohess & Company Limited

James Nathaniel Nimblett

Japs Insurance Services Limited

Jarod Joseph Perryman t/a Jarim Enterprises

Jeewan Birbal

Jemmot Manmohan t/a Jemmot Manmohan Insurance and Investments

APPENDIX B

REPORT ON INSURANCE AND PENSIONS1�0



(MONTH/DAY)

AGENTFOR/COMPANY

211

212

21�

214

215

216

217

218

219

220

221

222

22�

224

Jul/16

Jun/21

May/11

Mar/21

Jan/28

Jul/04

Nov/02

Apr/�0

Mar/18

Dec/08

Apr/25

Sep/02

Dec/15

Feb/25















Jenkha Limited

Jennifer Gonzalez t/a Jennifer Gonzalez Insurance Services

Jennifer Lessey-Jordan t/a JLJ Consultant

Joan Carr t/a Joan Carr Insurance Services

Joel Martinez & Associates Limited.

John Andre Wood-Salomon t/a Andre’s Financial Management Services

Jonathan Decle t/a J.D. Insurance Services

Jones Motors Limited

Judy Weaver t/a J.V.W. Financial Services

Jury Mohammed t/a Mohammed Motor Insurance Agency

K.S.W. Financial Services Limited

Kalyaani Limited

Karlla Agencies Limited

Kedar Gajadharsingh t/a Gajadharsingh Insurance & Travel Services


REPORT ON INSURANCE AND PENSIONS 1�1

APPENDIX B



(MONTH/DAY)

AGENTFOR/COMPANY

225

226

227

228

229

2�0

2�1

2�2

2��

2�4

2�5

2�6

2�7

2�8

Jul/20

Jun/17

Sep/02

Sep/15

Dec/22

Mar/29

Jul/22

Aug/19

Jan/14

Sep/15

Jan/14

Jul/12

Oct/14

May/18








Anchorage General Insurance Limited







Kee Investment Strategies Limited

Keith Charles Financial Services Limited

Keith’s Financial Services Limited

Kermit Khan t/a Khan’s Motor Insurance Agency

Kerry Peter Ramjag

Kevin Davis t/a K.Davis Consultants

Keystone Investments Limited.

Kirby Panchoo t/a E.R. Insurance Agency

Kirton Daniel t/a Quantum Financial Solutions

Krat Investments Limited

Krishna Ramgoolam t/a K.Ramgoolam Financial Services

L.F.M. Investments Limited

L.G.G. Investments Limited

L.J. Pollonais (1989) Limited





(MONTH/DAY)

AGENTFOR/COMPANY

2�9

240

241

242

24�

244

245

246

247

248

249

250

251

252

Jan/0�

May/25

Jun/07

May/25

Jan/21

Nov/09

Jun/2�

Jan/�1

Jan/�1

Dec/28

Mar/29

Jul/29

Feb/25

Feb/09















L.J. Williams Limited

L.R. & J. Investments Limited

Lange Trinidad Limited

Lark Investment Limited

Lawrence Enterprises Limited

Lexcorp Company Limited

LG Consultancy & Associates Limited.

Logimex Group Limited

Lucky Robinson Insurance & Allied Services Limited

Lurson Financial & Investment Services Limited.

Lutchman Agencies Limited

Lynchris Financial Services Limited

M & G Enterprises Limited

M.S.B. Insurance Services Limited

REPORT ON INSURANCE AND PENSIONS 1��

APPENDIX B



(MONTH/DAY)

AGENTFOR/COMPANY

25�

254

255

256

257

258

259

260

261

262

26�

264

265

266

Sep/02

May/18

Feb/14

Sep/02

Jan/14

Mar/18

Jan/14

Apr/11

Dec/08

Sep/20

May/18

Sep/17

Jul/08

Jan/14















M.S.C.D. Investments Limited

M.U.C.H. Services Limited

Margaret Louise Griffith-Edwards

Marius Advisory Services Limited

Marjen Financial & Insurance Services Limited

Martel Investment Limited.

Martin M.V. Lashley t/a M.M.V.L. Financial Services

Maxim Investments Limited

Mazely Enterprises Limited

Melvic Incorporation Limited

Mervina Hosein

Michael Ibrahim Insurance and Investments Limited.

Michael Lawrence Insurance Services Limited

Michelle Prashad t/a M.A.P. Financial Services





(MONTH/DAY)

AGENTFOR/COMPANY

267

268

269

270

271

272

27�

274

275

276

277

278

279

280

Dec/05

Sep/17

Jul/04

Mar/21

Sep/15

Apr/27

Oct/14

Oct/22

Aug/19

Jul/04

Feb/14

Jan/14

Jul/19

May/25















MPA Insurance Services Limited.

Myron Rudder t/a Myron Rudder Agency

N & Q Investments Limited

Naceri Limited

Naidu Powdhar t/a Naidu Powdhar Insurance Agency

Nare Insurance Agencies Limited

Nazia Ali-Azim

Nazir Mohammed Investments Limited

Nelson Wong Sang

New Creation Investment Limited

Nigel F. Hadley t/a Nigel F. Hadley Insurance Services

Nigel G. Salina & Associates

Nirveeta Agencies Limited

Noel Noel & Associates Limited




(MONTH/DAY)

AGENTFOR/COMPANY

281

282

28�

284

285

286

287

288

289

290

291

292

29�

294

Sep/01

Mar/15

Jul/04

May/18

Dec/28

Jun/12

Aug/0�

Oct/14

Nov/16

Mar/21

Jun/11

Jan/14

Mar/21

Feb/19















Northern Atlantic Insurance & Finance Company Limited

Oodles Financial Services Limited

Oswald Alexis Joseph

P.K. Management Services Limited

Padmawatee Maharaj-Despot t/a Soldado Insurance Agency

Palladium Financial Planning Services Limited.

Pamela Momen Rampersad

Paramount Investments Limited

Partap Seenath

Patricia James-Wilson t/a Semaj Consultancy Services

Paul Gerard Massiah t/a PGM Enterprises

Paul Gyan t/a Paul Gyan Insurance Services

Pauline De Souza t/a P.D. Insurance Services

Pegasus Financial Services Limited

APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

295

296

297

298

299

�00

�01

�02

�0�

�04

�05

�06

�07

�08

Oct/14

Jul/19

Oct/14

Aug/26

Aug/0�

Oct/11

Apr/15

Jun/11

May/11

Aug/0�

Oct/25

Jul/26

Nov/21

Feb/25






Sagicor General Insurance









PGM Financial Services Limited

Pooled Producers Limited

Portfolio Serve Limited.

Pranesh Maharaj

Premdath Seegolam t/a V.I.P.S. Financial Services

Prime General Insurance Limited

Prince Primus Investment Limited

Prophet Financial Services Limited.

Q-Rator Financial Services Liamited

R & N Insurance Services Limited.

R & S Enterprises Limited

R.C.S.N. Investments Limited

R.G.F. Asset Management Limited

R.Ramkissoon Insurance Services Limited.





(MONTH/DAY)

AGENTFOR/COMPANY

�09

�10

�11

�12

�1�

�14

�15

�16

�17

�18

�19

�20

�21

�22

Dec/08

Apr/11

Mar/18

Feb/2�

Feb/2�

Sep/02

Jan/�1

Aug/0�

Oct/14

Dec/28

Jul/04

Sep/02

Sep/�0

Feb/25











Guardian General Insurance Limited / Guardian Life of the Caribbean Limited


Tatil Life Assurance Limited/ Trinidad and Tobago Insurance


Rae Henry-Francis t/a Investment & Financial Planning Solutions

Rafael Mouttet t/a R.E.M. Financial Services

Rahamut & Company Limited

Ralico Insurance Services Limited

Ralph Coutain Insurance Services and Investments Limited

Ramanan Jaikaran

Ramkhelawan Financial and Insurance Services Limited

Ramlogan Associates Limited.

Randy Hosein Limited

Rasheed Ali t/a Rasheed Ali Insurance Services

RBTT Insurance Agency Limited

RDA Financial Services Limited

Recover Insurance Services Limited

Rhevol Insurance And Investment Services Limited.

APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

Jul/29

Mar/29

Apr/1�

Aug/0�

Nov/26

May/11

Mar/29

Mar/29

Jul/04

Jan/21

Jul/22

Oct/12

Feb/14

Jun/09















Riansel Financial Planning Services Limited.

Richard Daly t/a NRICH Enterprises

RIIB Financial Services Limited

Rishi Ramdeen t/a R.J.R. Investments and Insurance Services

Risk Protection Insurance Agencies Limited

RMB Financial Services Limited

Robard Insurance Services Limited

Ro-je Management and Investment Services Limited

Rolfe Ronald Albert Moyou t/a Moyou Investment and Insurance

Ronald Barlay t/a Ronbaris

Rondar Insurance Services Limited.

Roton Investments Limited

Royal Insurance Consultants Limited

RSDF Finance & Investments Limited.


�2�

�24

�25

�26

�27

�28

�29

��0

��1

��2

��

��4

��5

��6




(MONTH/DAY)

AGENTFOR/COMPANY

��7

��8

��9

�40

�41

�42

�4�

�44

�45

�46

�47

�48

�49

�50

Dec/0�

Jun/07

Mar/08

Oct/22

Sep/02

Mar/18

Jul/29

Jul/04

Mar/29

Mar/21

Jul/22

Feb/25

Jul/08

Jan/�1













Sagicor General Insurance


Rudy Gaskin Insurance, Investments & Financial Services Limited.

Rupert Clovis Insurance Agency Limited

Russell Bhola Insurance Services Limited

Ruth Frazer-Munroe

Rybre Services Limited

S & R Insurance And Advisory Service Limited.

S & S Insurance & Associated Services Limited

S. Deonarine Insurance Services Limited

S.D.R. Nandlal Advisory Services Limited

S.M.H. Services Limited

S.O.S. Agencies Limited.

S.W. Financial Services Limited.


Saving Security Investment Limited

APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

Nov/10

Aug/�0

Oct/�1

Mar/0�

Jun/07

Apr/1�

May/18

Jan/29

Jan/10

Oct/21

May/11May/11

Aug/02

Nov/02

Jul/08







Export Import Bank of Trinidad and Tobago




Maritime General Insurance Company LimitedMaritime Life (Caribbean) Limited




Security Motor Insurance Agencies Limited

Seepersad Agencies Limited

Selona Gransam

Selverondm Limited

Shawn Crooks t/a Shawn Crooks Consultancy Services

Stafford Yorke Financial Services Limited

Stanley Hospedales

Stokely Regis Insurance Services Limited

Sumar Consultants Limited.

Supreme Concepts & Solutions Limited

Swar-raj Marketing Company Limited Sydsons Services Limited

T C & F Services Limited

Tai Chew Investment Services Limited.


�51

�52

�5�

�54

�55

�56

�57

�58

�59

�60

�61

�62

�6�

�64




(MONTH/DAY)

AGENTFOR/COMPANY

�65

�66

�67

�68

�69

�70

�71

�72

�7�

�74

�75

�76

�77

�78

Aug/02

Mar/18

Aug/05

Mar/18

Mar/18

Jan/21

Sep/0�

Sep/01

Mar/21

Jun/07

Sep/02

Sep/02

Sep/02

Jul/04

Jun/10




Cuna Caribbean Insurance Limited












Taji Financial Services Limited

Tando Limited

Teague’s Inc. Limited

TECU Credit Union Co-operative Society Limited

Telly Paul Accident & Health Insurance Services Limited.

Telly Paul General Insurance Services Limited

Telly Paul Insurance & Financial Services Limited

Terence Gopaul Insurance Consultants Limited

The New Edition Insurance Services Limited


Thecla Enterprises Limited

Thomas and Sons Limited

Thomas Nancoo

Thomas Sosa-Wanguemert

APPENDIX B




(MONTH/DAY)

AGENTFOR/COMPANY

Oct/10

Mar/29

May/18

May/25

Mar/08Dec/28

Aug/0�

Feb/02

Jul/26Jul/26

Aug/0�

Sep/09

Jan/22

Apr/1�

Jan/0�

Nov/18















Thomas Wood t/a Nitim Insurance Services

Three Palms Services Limited

TIMCO Insurance Services Limited

Tobias & Tobias Insurance Services Limited

Tommy Elias Insurance Services Limited. Total Insurance Services Limited

Towheed Ali

Trevor Rex Baddaloo Enterprises Limited Trinidad Financial Management Services Limited

Trinidad Insurance Centre Limited

Trinmesh Limited

U4RIA Investments And Services Limited

Usuff Abraham t/a U.M.A. Insurance Services

V & A Services Limited.


�79

�80

�81

�82

�8�

�84

�85

�86

�87

�88

�89

�90

�91

�92




(MONTH/DAY)

AGENTFOR/COMPANY

�9�

�94

�95

�96

�97

�98

�99

400

401

402

40�

404

405

406

Jan/21

Jan/05

Feb/09

Dec/0�

Feb/2�

Nov/29

Jul/04

Dec/28

Oct/11

Sep/02

Mar/29

Jul/04

Jan/10

Dec/08

V.H. Investments Limited

Varona Usha Polat t/a Kushal Agencies

Vasantie Singh t/a Premier Insurance Services Limited

Vashti Balgaroo

Veda Consultants Limited

Vera Ali

Vergo Enterprises Limited

Vernon Fingal Financial Services Company Limited

W & H Tire Supplies Limited

W. Lezama Insurance and Investment Services Limited

Wajeeda Bissoondath

Wallum Insurance Services Limited

Wayne Decle t/a Decle Insurance Services

Wayne Mohammed t/a Waymo Financial Services

APPENDIX B












GTM Insurance Company LimitedMotor One Insurance Company Limited






(MONTH/DAY)

AGENTFOR/COMPANY

Feb/09

Dec/08

Aug/19

Dec/08

Jan/14

Dec/28

Mar/08Mar/08

Aug/19









Whedeck Insurance & Financial Services Limited

Whibco Associates Limited

William Rodriguez

William St. Aubyn t/a St. Aubyn Insurance Services

Winston Archer

Z.N. Mathura Investments Limited.

Zahaida Ali Insurance Services 1991 Limited. Zenobia Baksh


407

408

409

410

411

412

41�

414


APPENDIX C

LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.

BROKER ANNIVERSARYDATE

1 21st Century Insurance and Reinsurance Brokers 7/1�

2 �K’s Services Limited �/18

� Ace Insurance Brokers Limited �/24

4 Agostini Insurance Brokers Limited 12/28

5 Amalgamated Insurance Brokers 5/1�

6 Amrib Insurance Services 1/4

7 Anthony David Farah �/�1

8 Anthony Nigel Vere Slinger 10/11

9 Aon Energy Caribbean Limited 12/20

10 Blaine Hosang 2/25

11 Brian Lewis t/a Legacy Financial 4/1�

12 Camacho De Bruin Insurance Brokers Limited 10/25

1� Charlett & Gatcliffe Limited 1/4

14 Christian W. Low �/4

15 Comprehensive Insurance Brokers Limited 2/28

16 Consolidated Insurance Consultants Limited 1/18

17 Craig Millar �/27

18 Darryl Ramsundar 12/1

19 Dave Patterson 11/�0

20 Dereck Soobransingh 7/29


LIST OF REGISTERED BROKERS



21 Derek De Silva �/2�

22 Dexter Ragoonanan 5/18

2� E.P. Insurance Services Limited 7/1

24 Emerald Insurance Services Limited 5/18

25 Erickson Ramkhelawan 12/�

26 Errol Sooknanan 7/1

27 Farah Insurance Brokers Limited �/�1

28 Fazal Imtiaz Ali 7/12

29 Fidelity Insurance Brokers (Fazal Ali) 7/12

�0 Garvin Anslem Manzano 10/19

�1 Global Financial Brokers Limited 8/20

�2 Gregory De Montrichard �/18

�� Guerero and Hubert Company Limited 12/10

�4 Hardath General Insurance Consultants Limited 12/7

�5 Hardeo Hardath 12/7

�6 Insurance & Allied Services Limited 12/29

�7 Insurance Brokers West Indies Limited 2/1

�8 Insurance Managers Limited 9/27

�9 Irma Bishop 1/4

40 Janice Roberts 1/18




41 Jerry R. Narace 9/27

42 L & L Insurance Services Limited 9/16

4� Lanson Julien 11/�0

44 Lou-Anna Ferreira-Patterson 12/20

45 Luciano Woodley 9/16

46 M&M Insurance Services Limited 2/25

47 Mailbrol Insurance Brokers Limited 1/18

48 Merchants & General Insurance & Reinsurance Brokers (W.I.) Limited 4/18

49 Michael Redhead t/a Pensurance Brokers 11/2

50 Millar Insurance Brokers Limited �/27

51 Millenium Insurance Brokers Limited 11/�0

52 Nautilus Insurance Brokers Limited 8/10

5� Nazreen Deosingh �/18

54 Neil Colin Gosine 7/�1

55 Nizam Mohammed �/24

56 Norman Gabriel Limited 12/2�

57 Norman Gabriel 12/2�

58 Omah Seetahal 12/29

59 Pan West Indian Insurance Brokers Limited 5/�

60 Personalised Insurance Brokers & Reinsurance Limited 12/�

APPENDIX C


LIST OF REGISTERED BROKERS



61 Peter Gifford Charlett 1/4

62 Peter Malcolm George Farah 12/28

6� Prakash H. Bhagan 2/1

64 PRFC Limited 12/28

65 Ramnarine Maharaj 5/1�

66 Ravi Surjan 5/�

67 Richard Ramdwar 8/10

68 Risk Management Services Limited �/4

69 Risk Research Limited �/18

70 Robert Gordon Charlett 1/4

71 Robert Lazzari 12/28

72 Romano Martin 12/10

7� Sandra Chin Yuen Kee 8/20

74 Satchan Ramsaran 7/14

75 SDS Insurance Brokers Limited 7/29

76 Solomon Austin Elder t/a Sasre Financial Services Limited. 7/9

77 Specialists Insurance Brokers Limited 4/27

78 Stephen Castagne 2/25

79 Sterling Insurance Services Limited 7/8

80 Surujdeo Mangaroo �/14

81 Trinidad & Tobago Insurance Consultants Limited 10/11




APPENDIX C

82 Trinity Insurance Brokers Limited �/14

8� Walter E. DeBruin 10/25

84 Wayne Gosine 7/1�

85 Winston Siriram 7/8


APPENDIX D

LIST OF ADJUSTERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES

ADjUSTER ANNIVERSARYDATE

1 Bertrand Doyle 1/�

2 Ganesh Rampersad 1/�

� Raphael’s Investigators, Adjusters & Realtors Limited 1/25

4 Factfinders Business Investigators Limited 1/29

5 Insurance Investigators Services Limited 2/25

6 Axis (Eastern Caribbean) Limited �/17

7 Glen Mohammed �/2�

8 Nebert Marin trading as Survival Management Trinidad �/24

9 Arman Adjusting Services Limited 5/12

10 Pioneer Insurance Claims Services Company Limited 5/1�

11 Adam Sanguinette Claim Consultants 5/24

12 Cariclaims Investigators & Adjusters Limited 7/1

1� Commonwealth Claims Consultant Limited 7/10

14 Jacob Jules trading as Jules Investigators & Adjusters Services 7/18

15 General Adjusters Limited 8/27

16 Liver Rosemin & Company Limited 8/�0

17 Clevon Singh trading as Reliance Adjusters & Investigators 9/7

18 Accord Adjusting Company Limited 9/9


LIST OF ADJUSTERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES

ADjUSTER ANNIVERSARYDATE

19 Mc Larens Young International (T&T) Limited 9/17

20 Peter Bowman 10/18

21 Ezekiel Joseph 11/2�

22 International Business Investigators Services Limited 12/2

2� Twin-Isle Adjusters Limited 12/28

24 Orion Adjusters Limited 12/�1

APPENDIX D


LISTOFPENSIONPLANSREGISTEREDASAT31STDECEMBER2005SELF-ADMINISTEREDPENSIONFUNDPLANS

1. Agostini Insurance Brokers Limited Pension Fund Plan

2. Agostini’s Limited Retirement Plan

� Airports Authority of Trinidad and Tobago Pension Fund

4. Ansa Mc Al Limited Pension Fund Plan

5. Associated Brands Limited Group Pension Fund Plan

6. Atlantic LNG Pension Plan

7 Bank of Commerce Trinidad and Tobago Limited Retirement Plan

8. Bawodes Limited Pension Fund Plan

9. Berger Paints Trinidad Limited Pension Plan (Monthly Paid Employees)

10. BPTT LLC Pension Plan

11. British American Insurance Company (Trinidad) Limited Pension Fund Plan

12. British Gas Trinidad Limited Pension Plan

1�. B.W.I.A. Pilots Pension Fund Plan

14. Caribbean Industrial Research Institute Pension Plan

15. Caribbean Ispat Employees Pension Fund Plan

16. Central Bank of Trinidad and Tobago Pension Fund Plan

17. Citibank (Trinidad and Tobago) Limited Pension Fund Plan

18. Coca Cola Bottling (Trinidad and Tobago) Limited Pension Fund Plan

19. Consolidated Insurance Consultants Limited Staff Pension Fund Plan

20. Coopers and Lybrand Pension Fund Plan

21. Courts (Trinidad) Limited Pension Fund Plan

APPENDIX E


APPENDIX E


22. Cuna Caribbean Insurance Society Limited Pension Fund Plan

2�. Development Finance Limited Pension Plan

24. EOG Resources Trinidad Limited Pension Fund Plan

25. E&Y Services Limited Pension Scheme

26. Ferreira Optical Limited Pension Fund Plan

27. First Citizen Bank Pension Plan

28. Guyana and Trinidad Mutual Fire Insurance Company Limited Pension Plan

29. Hand Arnold (Trinidad) Limited Employees Pension Scheme

�0. H.S. Services Limited Pension Fund Plan

�1. Hydro Agri Trinidad Limited Hourly Paid Employees Pension Scheme

�2. Hydro Agri Trinidad Limited Salaried Employees Pension Plan

��. Industrial Agencies Limited Pension Fund Plan

�4. IBM Retirement Plan

�5. Lever Brothers (West Indies) Limited Pension Plan

�6. Mandev-Qualassure Pension Fund Plan

�7. Mega Insurance Company Limited Pension Plan

�8. MTS Pension FundPlan

�9. National Gas Company Pension Fund Plan

40. National Insurance Board Pension Fund Plan

41. National Insurance Property Development Company Limited Pension Fund Plan



42 National Union of Government and Federated Workers Pension Fund Plan - Elected Officers

4�. National Union of Government and Federated Workers Staff Pension Fund Plan

44. Neal and Massy Group Pension Plan

45. Nestle Trinidad and Tobago Limited Pension Fund Plan

46. Nestle Trinidad and Tobago Limited Unionised Employees’ Pension Plan

47. Niherst Pension Fund Plan

48 PCS Nitrogen Trinidad Limited Pension Fund Plan 1 (formerly Arcadian Trinidad )

49. PCS Nitrogen Trinidad Limited Pension Fund Plan 2 (formerly Trinidad and Tobago Urea)

50. Pheonix Park Gas Processors Limited Pension Plan

51 Point Lisas Industrial Development Corporation Pension Fund Plan

52. Port Authority of Trinidad and Tobago Pension Plan (Daily and Weekly)

5�. Port Authority of Trinidad and Tobago Pension Plan (Monthly)

54. Price WaterhouseCoopers Limited Pension Plan

55. RBTT Pension Plan

56. Regional Health Authority Pension Plan

57. Republic Bank of Trinidad and Tobago Limited Pension Plan

58. Scotiabank Trinidad and Tobago Limited Pension Fund Plan

59. Servol Limited Pension Fund Plan

LIST OF REGISTERED PENSION PLANS


APPENDIX E


60. Telecommunications Services of Trinidad and Tobago Limited Pension Fund Plan

61. Texaco Trinidad Limited Staff Retirement Plan

62. The Demerara Life Assurance Company of Trinidad and Tobago Limited Sales Staff Pension Plan

6�. The Home Mortgage Bank Pension Fund Plan

64. The Mercantile Banking and Finance Corporation Limited Pension Fund Plan

65. Thomas Peake and Company Limited Pension Plan

66. Trinidad Building and Loan Association Pension Fund Plan

67. Trinidad Cement Limited Employees Pension Fund Plan

68. Trinidad Hilton Limited Pension Fund Plan

69. Trinidad and Tobago Electricity Commission Pension Fund Plan

70. Trinidad and Tobago Electricity Commission Provident Fund

71. Trinidad and Tobago External Telecommunications Company Limited Pension Fund Plan

72. Trinidad and Tobago Methanol Company Limited Pension Fund Plan

7�. Trinidad and Tobago National Petroleum Marketing Company Limited Contributory Pension Plan I

74. Trinidad and Tobago National Petroleum Marketing Company Limited Contributory Pension Plan II

75. Trinidad and Tobago Oil Company Limited Contributory Pension Fund “A”

76. Trinidad and Tobago Oil Company Limited Contributory Pension Fund “B”




77. The Trinidad and Tobago Oil Company Limited Non- Contributory Pension Fund

78. Trinidad and Tobago Oil Company Limited Employees’ Benefit Plan

79. Trinidad and Tobago Oil Company Limited Staff Retirement Plan

80. Trinidad and Tobago Petroleum Company Limited Employees Pension Fund Plan

81. Trinidad and Tobago Petroleum Company Limited Staff

Pension Fund Plan

82. Trinidad and Tobago Port Contractors Limited Pension Fund Plan

8�. Trinidad and Tobago Telephone Company Limited Staff Pension Fund Plan

84. Trinidad and Tobago Unit Trust Corporation Pension Fund Plan

85. Trinmar Limited Employees Benefit Plan

86. Trintoplan Consultants Limited Staff Pension Plan

87. T. Geddes Grant Limited Pension Fund Plan

88. T. Geddes Grant (Trinidad) Staff Savings and Pension Fund Plan

89. Water and Sewerage Authority Pension Plan

90. West Indian Tobacco Company Pension Plan

91. Y. De Lima & Company Limited Staff Pension Fund Plan


INSURED PENSION FUND PLANS

1. Albrosco Limited Staff Pension Plan

2. All Trinidad Sugar and General Workers Trade Union Staff Pension Fund Plan

�. Alstons Limited Pension Fund Plan

4. Anthony N. Sabga Limited Pension Fund Plan

5 Angostura Bitters (Dr. J. G. B. Siegert & Sons) Limited Pension Fund Plan

6. Armour’s Funeral Homes Limited Pension Fund Plan

7. ASA Wright Nature Centre Pension Fund Plan

8. Barbados Mutual Life Assurance Society Employees Pension Plan

9. Bel Air International Airport Hotel Limited Pension Plan

10. Berger Paints Trinidad Limited Pension Fund Plan for Weekly-Paid Employees

11. Bermudez Biscuit Company Limited Pension Plan

12. British High Commission Pension Fund

1�. Bristol Myers (West Indies) Limited Pension Fund Plan

14. BWIA General Staff Pension Plan

15. Caribbean Bulk Storage and Trading Company Limited Pension Fund Plan

16. Caribbean Packaging Industries Limited Fund Pension Plan for Senior Staff Employees

17. Caribbean Packaging Industries Limited Pension Fund Plan for Junior Staff Employees

18. CBP Limited Pension Plan

19. Century Eslon Limited Pension Plan

20. Clark & Battoo Limited Pension Plan

APPENDIX E


INSURED PENSION FUND PLANS (continued)


21. Clico Investment Bank Limited Staff Pension Fund Plan

22. C.M.B. Packaging Trinidad Limited Pension Fund Plan

2�. Coates Brothers (Caribbean) Limited Pension Plan

24. Colonial Fire and General Insurance Company Limited Pension Plan

25. Colonial Life Insurance Company (Trinidad) Limited Staff Pension Plan

26. Diego Martin Credit Union Co-operative Society Limited Staff Pension Fund Plan

27 Eric Solis Marketing Limited Staff Pension Plan

28. F.T.Farfan and Sons Limited Pension Plan

29. Furness Trinidad Limited Pension Fund Plan

�0. Fujitsu ICL Caribbean Trinidad Limited (formerly International Computers Limited) Pension Fund Plan

�1. Grace Kennedy (Trinidad and Tobago) Limited Pension Fund Plan

�2. Group Pension Plan for the Managerial Employees of American Life and General Insurance Company (Trinidad) Limited

��. Group Pension Plan for the Non-Managerial Employees of American Life and General Insurance Company (Trinidad) Limited

�4. Gulf Engineering Services Limited Pension Fund Plan

�5. Gulf Insurance Limited Pension Fund Plan

�6. Halliburton Trinidad Limited Pension Plan

�7. Home Construction Limited Staff Pension Fund Plan

�8. Inglefield/Ogilvy Mather Pension Fund Plan



APPENDIX E

�9. Insurance Brokers West Indies Limited Pension Fund Plan

40. J. N. Harriman & Company Limited Pension Plan

41. Johnson and Johnson (Trinidad) Limited Staff Pension Plan

42. Joseph Charles Bottling Works and Investments Limited Pension Fund Plan

4�. J.T.A. Supermarkets Limited Pension Fund Plan

44. Junior Schools Limited Pension Fund Plan

45. Lake Asphalt of Trinidad and Tobago (1978) Limited (Monthly) Pension Plan

46. Lake Asphalt of Trinidad and Tobago (1978) Limited Employees (Weekly) Pension Plan

47. Lange Trinidad Limited Pension Fund Plan

48. Lazzari and Sampson Limited Pension Plan

49 Life of Barbados Limited Pension Plan

50. L. J. Williams Limited Pension Fund Plan

51. Lonsdale/Saatchi & Saatchi Advertising Limited Staff Pension Plan

52. Maritime Life (Caribbean) Limited Pension Fund Plan

5�. Master Mix of Trinidad & Tobago Limited Staff Pension Fund Plan

54. Mc Cann-Erickson (Trinidad) Limited Pension Fund Plan

55. Medianet Limited Monthly Paid Staff Pension Plan

56. �M Interamerica Inc. Trinidad and Tobago Division Pension Fund Plan

57. National Agro Chemicals Limited Pension Fund Plan




58. National Flour Mills Limited Pension Fund Plan for Employees of the Company

59. National Helicopter Services Limited Pension Fund Plan

60. Navarro’s Shipping Limited Pension Plan

61. N.E.M. (West Indies) Limited Pension Fund Plan

62. Oilfields Workers Trade Union Staff Pension Fund Plan

6�. Pepsi –Cola Trinidad Bottling Company Limited. Pension Plan

64. Perreira & Company Limited Staff Pension Fund Plan

65. Prestige Holdings Limited Pension Fund Plan

66. Print - A - Pak Limited Pension Plan

67. R. B. P. Elevator and Escalator Limited Pension Plan

68. Rentokil (Trinidad) Limited Pension Fund Plan

69. Rhand Credit Union Co-operative Society Limited Pension Plan

70. Royal Caribbean Insurance Company Limited Group Pension Fund Plan

71. Sealand Service Inc. Pension Plan

72. Selco Limited Pension Fund Plan

7�. Stellar Distributors (Trinidad) Staff Pension Plan

74. Small Business Development Company Limited Staff Pension Fund Plan

75. Southern Medical Clinic Limited Pension Fund Plan

76. Southern Sales and Services Company Limited Pension Plan

77. TECU Credit Union Co-operative Society Limited Pension Fund Plan

78. Tatil Life Sales Representatives Pension Plan



APPENDIX E

79. The Agents of American Life and General Insurance Company (Trinidad) Limited Pension Scheme

80. The Beacon Insurance Company Limited Pension Plan for Monthly and Weekly Paid Employees

81. The Group Pension Plan for the Non-Professional Employees of Fitzstone Limited.

82. The Institute of Marine Affairs Pension Plan

8�. The Myerson Tooth Company Limited Pension Fund Plan

84. The Synod of the Presbyterian Church in Trinidad Pension Plan

85. The Trinidad Pilots and Berthing Masters Association Limited Pension Fund Plan

86. The University of the West Indies (St. Augustine) Staff Pension Fund Plan

87. Tourism and Industrial Development Company of Trinidad And Tobago Pension Plan

88. Toyota Trinidad and Tobago Staff Pension Plan

89. Trinidad Concrete Products Company Limited Pension Fund Plan

90. Trinidad Contractors Limited Pension Plan

91. Trinidad Express Newspapers Limited Pension Plan

92. Trinidad Nitrogen Company Limited Staff Pension Fund Plan

9�. Trinidad Ropeworks Limited Retirement Plan

94. Trinidad Systems Limited Pension Fund Plan

95. Trinidad and Tobago Chamber of Commerce Pension Plan

96. Trinidad and Tobago Forest Products Limited Staff Pension Fund Plan




97. Trinidad and Tobago Mortgage Finance Company Limited Pension Plan

98. Trinidad and Tobago Solid Waste Management Company Limited Pension Fund Plan

99. United States of America Embassy in Trinidad and Tobago Pension Fund Plan

100. Waste Disposals Limited Pension Fund Plan

101. Western Scientific Company Pension Plan

102. William H. Scott Limited Pension Fund Plan

10�. Youth Training Employment Partnership Programme Pension Plan


ANNUITIES

APPENDIX E

1. A.S. Bryden and Sons (Trinidad) Limited Pension Fund Plan

2. Baroid Trinidad Services Limited Staff Pension Fund Plan

�. Coconut Growers Association Pension Fund Plan

4. Laughlin and De Gannes and its Associated Companies Staff Pension Fund Plan

5. Penta Paints (Caribbean) Limited Pension Plan

6. The Incorporated Trustees of the Anglican Church in the Diocese of Trinidad and Tobago Pension Plan

WINDING UP PENSION FUND PLANS

1. Aviation Services Trinidad and Tobago Limited Pension Fund Plan

2. Associated Battery and Metal Industries Trinidad Limited Pension Fund Plan

�. B.H.Rose Limited Pension Fund Plan

4. Bottlers Limited Pension Fund Plan

5. British Airways Staff Pension Plan

6. C. Lloyd Trestrail & Company Limited Pension Plan

7. Cliffs and Associates Limited Pension Plan

8. CTC Electronics Limited Pension Plan

9. Caroni (1975) Limited Employees Pension Plan

10. Caroni (1975) Limited Daily Paid Employees Contributory Pension Plan

11. Caroni (1967) Limited Pension Plan




12. Colgate Palmolive (Caribbean) Inc. Pension Fund Plan

1�. Colonial Life Insurance Company (Trinidad) Limited Agents Pension Plan

14. Corbin Compton Limited Staff Pension Plan

15. Crown Life Caribbean Limited Employees Pension Fund Plan

16. Employers Consultative Association Pension Fund Plan

17. Electrotec Services Limited Pension Fund Plan

18. F.W. Woolworth Limited Pension Fund Plan

19. George Wimpey Caribbean Limited Pension Plan

20. General Building and Loan Association Staff Pension Fund Plan

21. Goellnicht and Stollmeyer (Marketing) Limited Pension Fund Plan

22. Gordon Grant Staff Pension Plan

2�. Guardian Life of the Caribbean Limited Pension Fund Plan

24. Industrial Development Corporation Pension Plan

25. Insurance Consultants Limited. (Antilles Insurance Limited)

26. International Loss Adjusters Limited Pension Plan

27. KLM (Trinidad and Tobago) Pension Fund Plan

28. Label House Limited Staff Pension Plan

29. Metal Industries Company Pension Plan

�0. National Broadcasting Services of Trinidad and Tobago Pension Fund Plan

�1. Nationwide Staff “A” Pension Plan

�2. Nationwide Staff “B” Pension Plan


APPENDIX E


��. Nationwide Staff “C” Pension Plan

�4. Orange Grove National Company Limited Pension Fund Plan

�5. Premier Consolidated Oilfields Limited Pension Plan

�6. Rediffusion (Trinidad) Limited Pension Plan

�7. Reinsurance Company of Trinidad and Tobago Limited Pension Fund Plan

�8. Santana Services Limited Pension Fund Plan

�9. Sissons Paints Limited Staff Pension Fund Plan

40. Smith International Inc. Pension Fund Plan

41. Stephen and Ross Limited Pension Fund Plan

42. Super Chem Pension Fund Plan

4�. Sherwin Williams (Caribbean) N.V. Pension Plan

44. The National Commercial Bank of Trinidad and Tobago Pension Plan

45. The Shipping Corporation of Trinidad and Tobago Limited Pension Fund Plan

46. Trinidad Broadcasting Company Limited Pension Fund Plan

47. Trinidad and Tobago Oil Company Limited Provident Fund

48 Trinidad and Tobago Television Company Limited Pension Fund Plan

49. Trinidad Shipping Company Limited Pension Fund Plan

50. Trinidad Textile Manufacturing Company Limited Pension Fund Plan

51. Trinidad and Tobago Export Development Corporation Pension Fund Plan



52. Trinidad and Tobago Printing and Packaging Company Pension Fund

5�. Van Leer Containers Trinidad Limited Pension Fund Plan

54. Victoria Nursing Home Pension Fund Plan

55. Workers Bank of Trinidad and Tobago Limited Pension Fund Plan


1. West Indian National Insurance Company Pension Fund Plan

JUDICIAL MANAGEMENT


TABL

ES

REVE

NU

E AC

COU

NT

IN R

ESPE

CT

OF

LON

G-T

ERM

INSU

RAN

CE -

2005

INCO

ME

TABL

E I

COM

PAN

IES

FUN

DS

AT T

HE

BEG

INN

ING

O

F TH

E YE

AR

PREM

IUM

STO

TAL

PREM

IUM

SCO

MM

ISSI

ON

RECE

IVED

INTE

REST

,D

IVID

END

SAN

D R

ENTS

LES

S TA

XES

AND

INTE

REST

TH

EREO

N

OTH

ERTR

ANSF

ERS

FRO

MRE

SERV

ES

TOTA

L

OTH

ERO

THER

SIN

GLE

SIN

GLE

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos

Ltd.

Sagi

cor L

ife In

c.

TOTA

L

OTH

ER

Linc

oln

Ass

uran

ce L

td.

Cuna

Mut

ual I

nsur

ance

Soc

iety

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRA

ND

TO

TAL

1. 2. 1. 2. �.

LOC

AL

$$

$$

$$

$$

$$

$ 8

�1,4

9�,9

57

87,

482,

�2�

256

,4�2

,147

6,5

15,8

15 -

8,4

7�,�

7�,8

4�

8,8

02,5

91

10�

,157

,519

5�8

,694

2,4

7�,6

�4,7

9�

766

,507

,197

116

,0�9

,095

46,

884,

104 `

429

,685

,017

40,

000

548

,1�8

-

16,

741,

757

1�,6

17,8

76,9

89

1,4

98,5

�2,6

05

1,4

98,5

�2,6

05

4�9

,540

4�9

,540

15,

116,

849,

1�4

CON

SID

ERAT

ION

FO

RA

NN

UIT

IES

AN

D O

THER

DEP

OSI

TS

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Co. (

T&T)

Ltd

Banc

assu

ranc

e Ca

ribbe

an L

imite

d

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Carib

bean

Atla

ntic

Life

Insu

ranc

e Co

mpa

ny (T

&T)

Ltd

.

Carib

bean

Insu

ranc

e Co

mpa

ny L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Ltd.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of

T&T

Ltd

.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Meg

a In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e Co

mpa

ny L

td.

Scot

ialif

e Tr

inid

ad a

nd To

bago

Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

The

Rein

sura

nce

Com

pany

of T

rinid

ad a

nd To

bago

Ltd

.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Uni

ted

Secu

rity

Life

Insu

ranc

e Co

mpa

ny L

td.

1. 2 � 4 5 6 7 8 9 10 11.

12.

1�.

14.

15.

16

17 18

19

(278

,951

)

�,9

24,7

71 - - - - -

1,5

61,2

50 -

7,8

22,0

65

17,

810 - -

�9,

�67,

002 - - - -

241

,1��

69,

�85,

225

�,6

�8,4

�6

17,

9�8,

629

2�9

,951

-

90,

�89,

867

49,

095,

764 - -

10�

,892

,429

55,

599,

21�

18,

214,

146

1,8

58,9

2�

1�,

295,

92�

4�,

522,

620

48,

509

197

,974

- -

-

95,

746 - - -

54,

2�6,

722 - - -

��,

262,

894

1,4

96,7

�5 - -

2,�

10,8

96

2,8

12,8

22 - - - -

�5,

291,

859

141

,611

151

,782

,222

1�,

712 -

2,9

05,0

25,0

80 - - -

68,

740

14,

677,

60�

8,8

85,1

59

556

,467

1,2

60,4

�6

20,

417,

444 - - - -

104

,�98

,1��

7,8

00,5

64

169

,720

,851

25�

,66�

-

�,0

49,6

51,6

69

49,

095,

764

1,5

61,2

50 -

145

,046

,128

71,

791,

�61

27,

099,

�05

2,4

15,�

90

56,

2�4,

257

66,

752,

886

48,

509

197

,974

-

241

,1��

- - - - - - -

82,

�9� -

25�

,7�1

-

9�,

4�9 - -

416

,945

25,

�57 - - -

5�,

527,

640

18,

000,

�27

16,

290,

74�

955

,568

-

4�0

,842

,08�

�,4

22,6

��

4,0

91,9

71

8,8

87

144

,275

,814

5�,

689,

971

5,4

91,8

44

�,6

00,1

28

�,6

46,1

51

52,

755,

457

8,9

62

40,

120

57,

5�4

49�

,545

(86,

686)

�,6

�5,8

10

(14,

2�1,

277)

(405

,587

) -

66,

899,

805

5,8

42,9

86

107

,�2�

-

558

,97�

,845

19,

865,

810

5,0

79,0

67

1,1

�5,1

�2

2,1

22,1

�7

�1,

6�4,

189 - - -

(1,0

51,7

98)

- - - - - - - - - - - - - - - - - - -

989

,��

,04�

116

,919

,024

428

,212

,464

7,�

19,4

59 -

12,

020,

767,

400

67,

16�,

974

109

,000

,456

547

,581

�,�

22,1

84,�

12

911

,854

,��9

15�

,802

,750

54,

0�4,

754

62,

002,

545

581

,244

,494

122

,828

786

,2�2

57,

5�4

16,

424,

6�7

52

,655

,080

- - - -

52,

655,

080

467

,�17

,609

127

,56�

,566

127

,56�

,566

�9,

027

�9,

027

594

,920

,202

94,

215,

815

9,4

76,8

�1

9,4

76,8

�1 - -

10�

,692

,646

�,1

�8,1

20,�

��

10�

,616

,479

10�

,616

,479

- -

�,2

41,7

�6,8

12

�,7

52,�

08,8

�7 -

240

,656

,876

240

,656

,876

- -

�9,

027

�9,

027

�,9

9�,0

04,7

40

871

,865

- - - -

871

,865

791

,199

,�79

120

,151

,281

120

,151

,281

40,

6�7

40,

6�7

911

,�91

,297

679

,520

,755

160

,979

,684

160

,979

,684

(2,0

92)

(2,0

92)

840

,498

,�47

- - - - - -

18,

841,

777,

826 -

2,0

20,�

20,4

46

2,0

20,�

20,4

46 - -

517

,112

517

,112

20,

862,

615,

�84


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F LO

NG

-TER

M IN

SURA

NCE

- 20

05EX

PEN

DIT

URE

TABL

E I c

ontin

ued

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16

17 18

19

COM

PAN

IES

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos

Ltd.

Sagi

cor L

ife In

c.

TOTA

L

OTH

ER

Cuna

Mut

ual I

nsur

ance

Soc

iety

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRA

ND

TO

TAL

1. 2. 1. 2.

LOC

AL

TOTA

LPO

LICY

PAYM

ENTS

COM

MIS

SIO

NSSA

LARI

ES A

NDOT

HER E

XPEN

SES O

F M

ANAG

EMEN

TIN

TERE

ST TH

EREO

N

OTH

ERFU

ND

S AT

TH

EEN

D O

F TH

EYE

AR

TRAN

SFER

STO

PRO

FIT

AND

LO

SS

MAT

URI

TIES

DEA

THO

THER

$$

$$

$$

$$

$$

$ 1

2,17

0,11

6

4,0

�4,9

07

2,6

72,�

�9

67,

000 -

41,

408,

928

29,

�17,

677

795

,657

74,

592

18,

7�9,

949

5,2

2�,7

�0

1,5

97,6

69

825

,218

�6,

5�5

6,0

77,9

65

50,

200

7,2

80 -

149

,714

CLA

IMS

SURR

END

ER(IN

CLU

DIN

GSU

RREN

DER

OF

BON

USE

S)

ANN

UIT

IES

OTH

ER E

XPEN

SES

TOTA

L

$A

mer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T)

Ltd

.

Banc

assu

ranc

e Ca

ribbe

an L

imite

d

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny

(Trin

idad

) Ltd

.

Carib

bean

Atla

ntic

Life

Insu

ranc

eCo

mpa

ny (T

&T)

Ltd

.

Carib

bean

Insu

ranc

e Co

mpa

ny L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny(T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Ltd.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of

T&T

Ltd.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Lim

ited

Meg

a In

sura

nce

Com

pany

Lim

ited

Nat

ionw

ide

Insu

ranc

e Co

mpa

ny L

td.

Scot

ialif

e Tr

inid

ad a

nd To

bago

Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

The

Rein

sura

nce

Co. o

f Trin

idad

and

To

bago

Ltd

.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

. Ltd

.

Uni

ted

Secu

rity

Life

Insu

ranc

e Co

. Ltd

.

12�

,249

,475

9,�

99,6

8�

9,�

99,6

8�

59,

215

59,

215

1�2

,708

,�7�

2

,769

,562

1,6

22,6

80

17,

814,

749

116

,540

-

26,

954,

�45 -

770

,401

-

1,9

4�,1

62

7,6

75,8

98

1,6

05,9

52

2�2

,400

-

7,�

18,6

94 - - -

1�,

�71

68,

8�7,

754

46,

719,

��6

46,

719,

��6 - -

115

,557

,090

5,

840,

�00

2,8

74,4

11

�92

,055

- -

6,5

9�,0

79

154

,471

- -

(8�1

,8��

)

10,

954,

54�

295

,598

12,

054

12,

127

8,4

69,7

6� - - -

750

�4,

767,

�19

1,8

68,9

80

1,8

68,9

80

40,

5�4

40,

5�4

�6,

676,

8��

27,

152,

297

�,4

27,2

69

27,

790,

048

205

,927

-

2,7

80,4

�0,1

5�

1,0

09,0

67

1,�

19,�

96 -

22�

,490

,55�

18,

51�,

668

7,�

04,4

1�

�,1

76,8

94

4,1

66,9

50

21,

682,

2�� - - -

26,

�7�

�,

119,

695,

241

50,

464,

190

50,

464,

190

17,

177

17,

177

�,1

70,1

76,6

08

8,12

�,75

8

128

,��2

14,

69�,

84�

62,

621 -

�78

,409

,691

- - -

75,

098,

1�5

10,

758,

�46

2,2

22,6

82

758

,277

-

�,4

56,7

�6 - - -

85,

5�7

4

9�,7

97,9

57

40,

799,

65�

40,

799,

65� - - -

5�4

,597

,610

56,

056,

0��

12,

087,

599

6�,

�6�,

0�4

452

,088

-

�,2

��,7

96,1

95

�0,

481,

215

2,8

85,4

54

74,

592

�18

,4�9

,967

5�,

126,

185

1�,

026,

�14

5,0

04,8

4�

4,2

15,6

12

47,

005,

�91

50,

200

7,2

80 -

275

,745

�

,840

,�47

,747

-

149

,251

,842

149

,251

,842

-

116

,926

116

,926

�

,989

,716

,515

8,2

11,8

09

(47,

�71)

10,

858,

099

(10�

) -

87,

012,

917

2,5

1�,�

46

11,

574

2,6

15

77,

208,

51�

11,

491,

808

2,1

48,0

09

18,

�60 -

7,6

62,8

41

2,1

1�

26,

20� - -

2

07,1

20,7

�2

24,

687,

456

24,

687,

456 - -

2�1

,808

,188

40,

45�,

426

�,2

60,9

20

7,5

41,7

28

266

,927

-

199

,010

,172

10

,800

,�4�

1,5

59,7

4� -

210

,778

,011

5�,

�87,

4�9

12,

625,

452

485

,1�9

7,5

79,5

65

14,

980,

701

54,

66�

67,

200

45,

550

��,

896

56

2,9�

0,87

5

�2,

478,

971

�2,

478,

971

65,

800

65,

800

595

,475

,646

(6,5

56,�

�5)

254

,858

- - -

(�1,

670,

8�9)

84,

4�0

542

,024

-

1,1

40,0

98

789

,657

704

,471

- -

(9,4

81,0

00)

�94

-

5,9

92 -

(44

,186

,250

)

9,8

82,9

75

9,8

82,9

75 - -

(�4,

�0�,

275)

890

,679

,�91

84,

6�4,

6�0

�57

,642

,951

6,8

77,7

92 -

8,5

�7,�

96,4

51

7,9

99,5

�8

10�

,211

,661

�90

,922

2,7

21,2

7�,2

91

791

,02�

,902

12�

,90�

,000

46,

282,

494

86,

402,

44�

451

,548

,796

50,

000

574

,507

-

16,

114,

996

14,

226,

006,

765

1,6

96,7

15,�

01

1,6

96,7

15,�

01

456

,986

456

,986

1

5,92

�,17

9,05

2

488

,719

16,

728,

�88

(11,

19�,

�48)

(277

,245

) -

(4,7

10,5

66)

15,

285,

10�

790

,000

79,

452

(6,6

55,5

69)

2,0

�5,�

48

1,�

95,5

04

2,2

4�,9

18

(2,4

1�,9

65)

69,

527,

765

(24,

542)

111

,042

5,9

92 -

8�,

415,

998

112

,99�

,481

112

,99�

,481

(122

,600

)

(122

,600

) 1

96,2

86,8

79

989

,��

,04�

116

,919

,024

428

,212

,464

7,�

19,4

59 -

12,

020,

8�4,

��1

67,

16�,

974

109

,000

,456

547

,581

�,�

22,1

84,�

11

911

,854

,��9

15�

,802

,750

54,

0�4,

754

95,

78�,

655

581

,244

,494

1�2

,828

786

,2�2

57,

5�4

16,

424,

6�7

18,

875,

6�5,

866 -

2,0

26,0

10,0

26

2,0

26,0

10,0

26 -

517

,112

517

,112

2

0,90

2,16

�,00

4


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F O

RDIN

ARY

LIF

E, P

ENSI

ON

AN

D A

NN

UIT

Y IN

SURA

NCE

- 20

05IN

COM

E

TABL

E II

1. 2. �. 4. 5. 6. 7. 8. 9. 10.

11.

12.

1�.

14.

15

16

COM

PAN

IES

FUND

S AT

THE

BEGI

NNIN

G O

F THE

YEA

R

PREM

IUM

SCO

NSI

DER

ATIO

N F

OR

AN

NU

ITIE

S A

ND

OTH

ERD

EPO

SITS

TOTA

LPR

EMIU

MS

COM

MIS

SIO

NRE

CEIV

EDN

ET IN

TERE

STO

THER

TRA

NSF

ERS

FRO

MRE

SERV

ESTO

TAL

OTH

ERO

THER

SIN

GLE

SIN

GLE

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos

Ltd.

Sagi

cor L

ife In

c.

TOTA

L

OTH

ER

Linc

oln

Ass

uran

ce L

td.

Cuna

Mut

ual I

nsur

ance

Soc

iety

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRA

ND

TO

TAL

1. 2. 1. 2. �.

LOC

AL

$$

$$

$$

$$

$$

$

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

Banc

assu

ranc

e Ca

ribbe

an L

imite

d

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Carib

bean

Atla

ntic

Life

Insu

ranc

e Co

. (T&

T) L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Ltd.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of

T&T

Ltd

.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Meg

a In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e Co

mpa

ny L

td.

Scot

ialif

e Tr

inid

ad a

nd To

bago

Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Rein

sura

nce

Co. o

f Trin

idad

and

Toba

go L

td.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Uni

ted

Secu

rity

Life

Insu

ranc

e Co

mpa

ny L

td.

6�9

,090

,28�

77,

12�,

596

252

,887

,879

6,5

15,8

15

811

,540

,�05

8,8

02,5

91

90,

528,

187

598

,010

,��0

722

,898

,��2

116

,0�9

,095

46,

884,

104

��,

781,

110

�09

,204

,146

548

,1�8

-

16,

741,

757

(278

,951

)

2�7

,56�

- - - -

1,�

55,0

95

(21,

�28)

17,

810 - -

�9,

�67,

002 - - -

241

,1��

-

95,

746 - - - - -

��,

262,

894

1,4

96,7

�5 - -

2,�

10,8

96

2,8

12,8

22 - - -

26,

828,

045

141

,611

151

,782

,222

1�,

712 - - -

68,

740

14,

677,

60�

8,8

85,1

59

556

,467

1,2

60,4

�6

20,

2�8,

902 - - -

82,

805,

578

4,1

1�,�

56

169

,�78

,910

25�

,66�

76,

262,

991

586

,705

1,�

55,0

95

1�7

,202

,7�5

6�,

4�1,

714

27,

099,

�05

2,4

15,�

90

56,

2�4,

257

6�,

5�6,

896

197

,974

-

241

,1��

- - - - - -

82,

�9� - -

9�,

4�9 - -

416

,945

- - -

40,

�51,

�65

15,

767,

475

16,

102,

921

955

,568

54,

192,

679

1,�

�9,4

4�

�,1

82,6

59

24,

627,

1�9

51,

670,

227

5,4

91,8

44

�,6

00,1

28

�,6

46,1

51

27,

101,

824

40,

120

57,

5�4

49�

,545

(86,

686)

�,1

81,5

95

(14,

067,

199)

(405

,587

)

5,9

28,2

6�

72,

950

107

,�2�

109

,04�

,7�0

19,

758,

810

5,0

79,0

67

1,1

�5,1

�2

2,1

22,1

�7

14,

9�5,

575 - -

(1,0

51,7

98)

- - - - - - - - - - - - - - - -

762

,160

,540

100

,186

,022

424

,�02

,511

7,�

19,4

59

947

,924

,2�8

10,

801,

689

95,

255,

657

868

,88�

,9��

857

,759

,08�

15�

,802

,750

54,

0�4,

754

95,

78�,

655

415

,195

,�86

786

,2�2

57,

5�4

16,

424,

6�7

56,

256,

484

�,6

�8,4

�6

17,

596,

688

2�9

,951

76,

262,

991

586

,705

-

10�

,892

,429

47,

2�9,

566

18,

214,

146

1,8

58,9

2�

1�,

295,

92�

40,

485,

172

197

,974

- -

�,7

�0,5

95,6

67

1,1

15,1

54,7

90

1,1

15,1

54,7

90

4�9

,540

4�9

,540

4,8

46,1

89,9

97

40,

918,

�24 - - - -

40,

918,

�24

�9,

979,

09�

9,4

76,8

�1

9,4

76,8

�1 - -

49,

455,

924

224

,452

,897

‘

78,

8�1,

977

78,

8�1,

977 - -

�0�

,284

,874

685

,115

,702

-

20�

,700

,654

20�

,700

,654

- -

20,

714

20,

714

888

,8�7

,070

592

,777

- - - -

592

,777

248

,620

,622

9�,

947,

007

9�,

947,

007

40,

6�7

40,

6�7

�42

,608

,266

145

,75�

,�11

158

,191

,609

158

,191

,609

(767

)

(767

)

�0�

,944

,15�

-

- - - - -

4,8

10,6

78,0

80 -

1,5

70,9

94,0

60

1,5

70,9

94,0

60 - -

500

,124

500

,124

6,�

82,1

72,2

64

�79

,765

,�88

‘

115

,�91

,846

115

,�91

,846

20,

714

20,

714

495

,177

,948


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F IN

DU

STRI

AL

LIFE

INSU

RAN

CE -

2005

INCO

ME

TABL

E III

1. 2. �. 4.

LOCA

L

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

The

Goo

dwill

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

LOC

AL

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

The

Goo

dwill

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

COM

PAN

IES

CLA

IMS

SURR

END

ER(IN

CLUD

ING

SURR

END

ERO

FBO

NUS

ES)

BON

USES

PAID

INCA

SH

ANN

UITI

ESTO

TAL

POLI

CYPA

YMEN

TS

COM

MIS

SIO

NS

SALA

RIES

AN

D

OTH

EREX

PEN

SES

OF

MAN

AGEM

ENT

FUN

DS

ATTH

E EN

DO

F TH

EYE

AR

DEA

THM

ATU

RITI

ESO

THER

OTH

ER E

XPEN

SES

OTH

ER

TRAN

SFER

STO

PRO

FIT

AND

LO

SS

TOTA

L

COM

PAN

IES

FUN

DS

AT T

HE

BEG

INN

ING

O

F TH

E YE

AR

PREM

IUM

SCO

NSI

DER

ATIO

N F

OR

AN

NU

ITIE

S A

ND

OTH

ERD

EPO

SITS

TOTA

LPR

EMIU

MS

COM

MIS

SIO

NRE

CEIV

EDN

ET IN

TERE

STO

THER

TRA

NSF

ERS

FRO

MRE

SERV

ES

TOTA

L

OTH

ERO

THER

SIN

GLE

SIN

GLE

$$

$$

$$

$$

�,5

0�,4

50 - -

�,5

0�,4

50

- - - -

182

,121

-

28,

767

210

,888

258

,928

- -

258

,928

1. 2. �. 4.

- - - -

- - - -

258

,928

- -

258

,928

- - - -

�,7

85,4

01 -

28,

767

�,8

14,1

68

(159

,098

) - -

(159

,098

)

- - - -

447

,264

- -

447

,264

2,2

21 - -

2,2

21

15,

186 - -

15,

186

�9,

495 -

22,

775

62,

270

(647

,504

) -

5,9

92

(641

,512

)

�,7

85,4

01 -

28,

767

�,8

14,1

68

1,7

5� - -

1,7

5�

- -

- - -

466

,424

- -

466

,424

�67

,6�9

- -

�67

,6�9

- - - -

�,5

59,�

47 - -

�,5

59,�

47

$$

$

EXPE

ND

ITU

RE


TABL

ES REVE

NU

E AC

COU

NT

IN R

ESPE

CT

OF

NO

N-C

AN

CELL

ABL

E, S

ICKN

ESS

AN

D A

CCID

ENT

INSU

RAN

CE -

2005

INCO

ME

TABL

E IV

1. 2. �.

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T&

T) L

td.

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny

(Trin

idad

) Ltd

.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

TOTA

L

COM

PAN

IES

COM

PAN

IES

FUN

DS

AT T

HE

BEG

INN

ING

O

F TH

E YE

AR

PREM

IUM

STO

TAL

PREM

IUM

SCO

MM

ISSI

ON

RECE

IVED

NET

INTE

REST

OTH

ER

OTH

ERSI

NG

LE

$$

$$

$$

$$

1,7

86,0

52

40,

818 -

1,82

6,87

0

- - - -

120

,446

5,7

01 -

126

,147

5,5

26,4

65

8�,

01�

5,2

7�,0

16

10,

882,

494.

5,5

26,4

65

8�,

01�

5,2

7�,0

16

10,

882,

494

7,4

�2,9

6�

124

,552

5,2

7�,0

16

12,

8�0,

5�1

TOTA

L

$$

$$

$$

$

TOTA

LPO

LIC

YPA

YMEN

TSCO

MM

ISSI

ON

S

OTH

ERFU

ND

S AT

THE

END

OF

THE

YEA

R

TRA

NSF

ERS

TOPR

OFI

TA

ND

LO

SS

TOTA

LO

THER

EXP

ENSE

S

EXPE

NSE

S O

FM

AN

AG

EMEN

T

- - - -

-

(4,9

80) -

(4,9

80)

1. 2. �.

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T&

T) L

td.

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny

(Trin

idad

) Ltd

.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

TOTA

L

769,

655

52,7

20

�,�4

0,9�

�

4,1

6�,�

08

EXPE

ND

ITU

RE

(�,9

84,2

4�)

161,

992

201,

778

(�,6

20,4

7�)

5,5�

8,9�

4

19,5

�1

504,

651

6,0

6�,1

16

- - - -

2,15

8,62

4

�7,2

�0 -

2,1

95,8

54

2,94

9,99

�

(146

,921

)

1,22

5,65

4

4,0

28,7

26

7,4

�2,9

6�

124

,552

5,2

7�,0

16

12,

8�0,

5�1


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F G

ROU

P LI

FE IN

SURA

NCE

- 20

05IN

COM

E

TABL

E V

1. 2. �. 4. 5. 6. 7. 8. 9. 1. 1.

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

.

Banc

assu

ranc

e Ca

ribbe

an L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Ltd.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

TOTA

L

CARI

BBEA

N

Sagi

cor L

ife In

c.

TOTA

L

OTH

ER

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRA

ND

TO

TAL

COM

PAN

IES

FUN

DS

AT T

HE

BEG

INN

ING

O

F TH

E YE

AR

PREM

IUM

SCO

NSI

DER

ATIO

N F

OR

AN

NU

ITIE

S A

ND

OTH

ERD

EPO

SITS

TOTA

LPR

EMIU

MS

COM

MIS

SIO

NRE

CEIV

EDN

ET IN

TERE

STO

THER

TRA

NSF

ERS

FRO

MRE

SERV

ES

TOTA

L

OTH

ERO

THER

SIN

GLE

SIN

GLE

$$

$$

$$

$$

$$

$

4�,

18�

10,

�58,

727

18,

0�0,

666 -

5�8

,694

6,6

21,9

86 -

416

,042

-

�6,0

09,2

98

4,8

48,6

01

4,8

48,6

01 - -

40,8

57,8

99

-

�,6

87,2

08 - - -

7,6

05,6

24 - - -

11,2

92,8

�2 - - - -

11,2

92,8

�2

7,6

02,2

76 -

14,

126,

876

25,

400,

576 - -

589

,868

2,8

02,�

22 -

50,5

21,9

18

12,

171,

720

12,

171,

720

18,

�1�

18,

�1�

62,7

11,9

51

7,6

02,2

76

�,6

87,2

08

14,

126,

876

25,

400,

576 -

7,6

05,6

24

589

,868

2,8

02,�

22 -

61,8

14,7

49

12,

171,

720

12,

171,

720

18,

�1�

18,

�1�

74,0

04,7

82

- - - - - - - - - - - - - - -

2,7

48

2,2

�2,8

5�

876

,769

1,8

62,7

9�

8,8

87

414

,168

-

5,�

98,0

98 -

10,7

96,�

16

2��

,925

2��

,925

- -

11,0

�0,2

41

-

454

,215

- - -

252

,04�

107

,000

2,6

41,0

76 -

�,45

4,��

4

1,�

27,1

20

1,�

27,1

20

(1,�

25)

(1,�

25)

4,78

0,12

9

- - - - - - - - - - - -

42,

460

42,

460

42,4

60

7,6

48,2

07

16,

7��,

00�

��,

0�4,

�11

27,

26�,

�70

547

,581

14,

89�,

820

696

,868

11,

257,

5�8 -

112,

074,

698

18,

581,

�66

18,

581,

�66

59,

448

59,

448

1�0,

715,

512

- - - - - - - - - - - - - - -

- - - - - - - - - - - - - - -


REVE

NU

E AC

COU

NT

IN R

ESPE

CT

OF

GRO

UP

LIFE

INSU

RAN

CE -

2005

EXPE

ND

ITU

RE

TABL

E V

cont

inue

dTA

BLES

1. 2. �. 4. 5. 6. 7. 8. 9. 1. 1.

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

.

Banc

assu

ranc

e Ca

ribbe

an L

td.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Ltd.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

TOTA

L

CARI

BBEA

N

Sagi

cor L

ife In

c.

TOTA

L

OTH

ER

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRA

ND

TO

TAL

COM

PAN

IES

CLA

IMS

SURR

END

ER(IN

CLU

DIN

GSU

RREN

DER

OF

BON

USE

S)

AN

NU

ITIE

STO

TAL

POLI

CY

PAYM

ENTS

COM

MIS

SIO

NS

EXPE

NSE

S O

FM

AN

AG

EMEN

T

FUN

DS

AT

THE

END

OF

THE

YEA

R

DEA

TH $$

$$

$$

$$

$$

$$

MAT

URI

TIES

OTH

ER

OTH

ER E

XPEN

SES

OTH

ERTR

AN

SFER

STO

PRO

FIT

AN

D L

OSS

TOTA

L

2,0

41,6

64

1,7

08,0

00

1�,

069,

817

17,

0�2,

601

74,

592

577

,�62

-

712

,80�

50,

200

�5,2

67,0

�9

�,0

57,1

28

�,05

7,12

8

59,

215

59,2

15

�8,�

8�,�

82

- - - - - - - - - - - - - - -

- - -

100

,000

- -

197

,67�

- -

297

,67�

19�

,542

19�,

542

2��

-

491,

215

- - - - - - - - - - - - - - -

- - - - - - - - - - - - - - -

2,0

41,6

64

1,7

08,0

00

1�,

069,

817

17,

1�2,

601

74,

592

577

,�62

197

,67�

712

,80�

50,

200

�5,5

64,7

12

�,2

50,6

70

�,25

0,67

0

59,

448

59,4

48

�8,8

74,8

�0

1,5

80,1

01 -

909

,841

477

,118

2,6

15

292

,4�2

�2,

411

84,

929

2,1

1�

�,�8

1,56

0

�,8

84,�

68

�,88

4,�6

8 - -

7,26

5,92

8

1,2

�9,9

70

1,5

41,�

87

10,

270,

�70

4,9

84,5

01 -

2,5

7�,2

11

66,

577

276

,547

46,

16�

20,9

98,7

26

2,8

17,8

67

2,81

7,86

7 - -

2�,8

16,5

9�

(55,

424)

�6,

012

2�7

,755

45,

945 - - -

(1,8

94,5

44)

�94

(1,6

29,8

62) - - - -

(1,6

29,8

62)

48,

�67

11,

14�,

520 - -

�90

,922

5,8

28,7

69 -

462

,724

20,

000

17,8

94,�

02

2,2

57,�

40

2,25

7,�4

0 - -

20,1

51,6

42

2,7

9�,5

29

2,�

04,0

84

(9,9

27,2

24)

4,6

2�,2

05

79,

452

5,6

22,0

47

400

,207

11,

615,

079

(16,

042)

17,4

94,�

�7

9,1

�6,2

80

9,1�

6,28

0.00

(42,

460) -

26,6

�0,6

17

7,6

48,2

07

16,

7��,

00�

14,

560,

559

27,

26�,

�70

547

,581

14,

89�,

820

696

,868

11,

257,

5�8

102

,828

9�,7

0�,7

74

21,

�46,

525

21,�

46,5

25

16,

988

16,9

88

115,

067,

287


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F G

ROU

P PE

NSI

ON

INSU

RAN

CE -

2005

INCO

ME

TABL

E VI

1. 2. �. 4. 5.

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

imite

d

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Tatil

Life

Ass

uran

ce L

td.

TOTA

L

COM

PAN

IES

FUN

DS

AT T

HE

BEG

INN

ING

O

F TH

E YE

AR

NET

PREM

IUM

NET

INTE

REST

OTH

ERTO

TAL

$$

$$

$$

$

190

,574

,4�9

6,8

00,0

76,9

00

90,

681,

696

4�,

608,

865

20,

697,

065

7,1

45,6

�8,9

65

8,4

6�,8

14

2,7

97,8

10,�

28

2�7

,770

2,4

96,7

6�

41�

,668

2,8

09,4

22,�

4�

8,4

6�,8

14

2,7

97,8

10,�

28

2�7

,770

2,4

96,7

6�

41�

,668

2,8

09,4

22,�

4�

- - - - - -

1�,

05�,

080

�04

,7�9

,880

4,0

79,0

�4

2,0

19,7

44

1�,

4�5,

254

��7

,�26

,992

-

�2,

177,

�07

2,5

92,1

10 -

6,4

74,0

27

41,

24�,

444

212

,091

,��

9,9

�4,8

04,4

15

97,

590,

610

48,

125,

�72

41,

020,

014

10,�

��,6

�1,7

44

TOTA

LPR

EMIU

MCO

MM

ISSI

ON

RECE

IVED

LOCA

L

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T&

T)

Ltd.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Tatil

Life

Ass

uran

ce L

td.

TOTA

L

COM

PAN

IES

CLA

IMS

SURR

END

ER(IN

CLU

DIN

GSU

RREN

DER

OF

BON

USE

S)

AN

NU

ITIE

STO

TAL

POLI

CY

PAYM

ENTS

COM

MIS

SIO

NS

EXPE

NSE

S O

FM

AN

AG

EMEN

T

FUN

DS

AT

THE

END

OF

THE

YEA

R

DEA

THO

THER

OTH

ER E

XPEN

SES

OTH

ERTR

AN

SFER

STO

PRO

FIT

AN

D L

OSS

TOTA

L

1. 2. �. 4. 5.

-

1,5

2�,9

20

1,7

�6,8

65 - -

�,2

60,7

85

-

-

22,

146,

674 -

921

,490

-

2�,

068,

164

5,7

98,7

8�

2,7

67,5

48,0

47

�76

- -

2,7

7�,�

47,2

06

2,8

10,1

52

250

,447

,155

- - -

25�

,257

,�07

8,6

08,9

�5

�,0

41,6

65,7

96

1,7

�7,2

42

921

,490

-

�,0

52,9

��,4

6�

26,

848

68,

269,

268 - -

1,2

91

68,

297,

407

1,1

85,1

76

121

,8�0

,085

847

,7�0

2�8

,951

414

,820

124

,516

,761

-

4�1

,776

- -

(2,5

��,�

10)

(2,1

01,5

�4)

(1,8

48,0

72) -

5,5

�7,�

51

1�9

,685

2�,

222,

188

27,

051,

152

20

4,11

8,44

6

6,7

02,6

07,4

90

89,

468,

288

46,

825,

246

19,

915,

025

7,0

62,9

�4,4

95

212

,091

,��

9,9

�4,8

04,4

15

97,

590,

610

48,

125,

�72

41,

020,

014

10,�

��,6

�1,7

44

EXPE

ND

ITU

RE

$$

$$

$$

$$

$$

$


TABL

ES REVE

NU

E AC

COU

NT

IN R

ESPE

CT

OF

DEP

OSI

T A

DM

INIS

TRAT

ION

CO

NTR

ACTS

/UN

IT L

INKE

D F

UN

DS

- 200

5IN

COM

E

TABL

E VI

I

LOC

AL

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of

T&T

Ltd

.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Sagi

cor L

ife In

c.

Tatil

Life

Ass

uran

ce L

td.

TOTA

L

COM

PAN

IES

AN

NU

ITY

PURC

HA

SED

CLA

IMS

AD

MIN

ISTR

ATIO

NFE

ESCO

MM

ISSI

ON

SPA

IDO

THER

TOTA

L

1. 2. � 4 5.

127,

962,

5�6 -

24,2

11,8

08

17,2

44,4

18 -

169,

418,

762

EXPE

ND

ITU

RESU

RREN

DER

OF

UN

ITS

MA

NA

GEM

ENT

EXPE

NSE

SFU

ND

SC

ARR

IED

FORW

ARD

1. 2. �. 4. 5.

LOC

AL

COM

PAN

IES

FUN

DS

BRO

UG

HT

FORW

ARD

CON

TRIB

UTI

ON

STO

TAL

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of

T&T

Ltd

.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Sagi

cor L

ife In

c.

Tatil

Life

Ass

uran

ce L

td.

TOTA

L

84�

,725

,972

12,6

29,�

�2

1,77

8,�2

0,78

1

�78,

529,

214

92,9

00,2

00

�,01

�,20

5,29

9

$$

$$

$

INTE

REST

OTH

ER

4,6

62,1

17 -

40,

700.

04

109

,165

.00 -

4,81

1,98

2

11,1

84,2

59

17,1

00

95,4

84,6

95

1,06

4,48

7 -

107,

750,

541

(27,

12�,

712) -

1,14

0,09

8

2,99

7,05

4 -

(22,

986,

559)

98�,

42�,

485

1�,4

27,5

7�

2,00

4,75

5,�0

�

409,

�29,

896

105,

008,

996

�,51

5,94

5,25

�

1,10

5,00

4,4�

6

1�,7

44,7

99

2,�4

0,56

2,21

6

4�0,

745,

020

106,

948,

�75

�,99

7,00

4,84

7

161,

451,

474

206,

155 -

24,7

84,5

02 -

186,

442,

1�1

71,

0�2,

755

909,

�12

115,

155,

47�

25,9

70,�

49

6,48

2,16

4

21�,

067,

889

28,

794,

2�5 -

447,

085,

962

1,46

0,95

5

7,56

6,01

1

477,

�41,

152

1,10

5,00

4,4�

6

1�,7

44,7

99

2,�4

0,56

2,21

7

4�0,

745,

020

106,

948,

�75

�,89

0,05

6,47

2

-

91,7

51

214,

780,

166 -

1,�7

�,78

0

216,

245,

697

4,89

5,75

2

208,

�75

149,

446 -

565,

599

5,81

9,17

2

- - - - - -

$$

$$

$$

$$

$


TABL

ESLO

NG

-TER

M IN

SURA

NCE

BU

SIN

ESS

- IN

SURA

NCE

DIS

CON

TIN

UED

OR

RED

EEM

ED D

URI

NG

200

5

TABL

E VI

II

1. 2. �. 4. 5. 6. 7. 8. 9. 10.

11.

12.

1�

14

15

1. 2. 1.

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

.

Banc

assu

ranc

e C

arib

bean

Ltd

.

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Carib

bean

Atla

ntic

Life

Insu

ranc

e Co

mpa

ny (T

&T)

Lt

d.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

CUN

A C

arib

bean

Insu

ranc

e So

ciet

y Lt

d.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of T

&T

Ltd.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Meg

a In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e Co

mpa

ny L

td.

Scot

ialif

e Tr

inid

ad a

nd To

bago

Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

The

Rein

sura

nce

Com

pany

of T

&T

Lim

ited

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos

Sagi

cor L

ife In

c

TOTA

L

OTH

ER

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRA

ND

TO

TAL

COM

PAN

IES

DEA

THFO

RFEI

TURE

M

ATU

RITI

ESTO

TAL

$$

SURR

END

ER

NU

MBE

R O

F PO

LICI

ES

LAPS

EDM

ISCE

LLAN

EOU

SD

EATH

FORF

EITU

RE

MAT

URI

TIES

TOTA

LSU

RREN

DER

SUM

ASS

URED

LAPS

EDM

ISCE

LLAN

EOU

S

112

66

62 5

540

�

21 -

271

86

�8

15 1

129

- 1

1,�

49 -

80

80 - -

1,4

29

$$

$$

1,1

40

181

620

9

9,4

51

1�6

49 -

1,8

90

911

251

1�1

47

807

- -

15,

62� -

475

475

2

2

16,

100

1,6

24

77 - 7

- -

19 -

6,4

66

220

54 -

106

77 - -

8,6

50 - 5

5 - -

8,6

55

1,7

71

1�4

1,4

09

2

978

69 - -

1,7

55

802

-

57

7�

1,2

02 - -

8,2

52 -

10

10 - -

8,2

62

295

28

127

8

8�0

1

26 -

447

446

80

51 -

145

- -

2,4

84 -

282

282

- -

2,7

66

$$

$$

$$

$$

42�

25

108

-

811

15

15 -

474

-

786

19 -

70 -

518

2,7

46 -

20

20 - -

2,7

66

5,�

65

511

2,�

26

�1

12,

610

224

1�0

-

11,

�0�

2,4

65

1,2

09

27�

227

2,4

�0 -

519

�9,

104 -

872

872

2

2

�9,

978

5,9

20,5

91

2,18

8,67

�

2,2

24,6

00

64,

462

10,

520,

715

�2,

2�5,

467

809

,214

-

18,

757,

060

�,6

56,7

85

1,1

85,5

41

6�8

,588

�0,

000

6,6

14,7

21 -

7,2

80

84,

846,

417 -

10,

1�2,

�16

10,

1�2,

�16

11,

900

11,

900

94,

990,

6��

6�

,7�4

,06�

195

,90�

,767

12,

971,

000

�41

,55�

4�5

,246

,545

5,2

42,9

14

821

,8�5

-

��4

,065

,61�

45,

740,

126

8,2

49,1

50

5,�

5�,1

55

1,�

05,1

40

41,

41�,

892 - -

1,15

0,�8

8,75

� -

64,

615,

201

64,

615,

201

26,

792

26,

792

1,2

15,0

�0,7

46

1�8

,724

,962

�,1

65,6

50 -

1�9

,507

- -

777

,900

-

609

,809

,582

22,

051,

046

�,5

69,�

45 -

1,8

02,0

00

12,

207,

966 - -

792

,247

,958

-

�8,

96�

�8,

96� - -

792

,286

,921

�20

,870

,�00

11,

82�,

891

227

,962

,095

62,

5�8

189

,4�6

,000

4,6

75,9

00 - -

�48

,054

,016

104

,447

,661

-

4,7

00,7

65

1,�

60,0

00

101

,008

,�5�

- -

1,�

14,4

01,5

19 -

59,

848,

000

59,

848,

000 - -

1,�

74,2

49,5

19

�,2

69,�

67

1,5

91,1

��

58�

,200

126

,0�8

�9,

�84,

162

�0,

000

669

,161

-

2,5

40,5

46

4,5

�2,9

7�

964

,000

222

,255

-

5,2

27,5

92 - -

59,

140,

427 -

1,9

15,7

45

1,9

15,7

45 - -

61,

056,

172

472

,918

,6�0

5�,

700,

9�0

2,4

76,6

00 -

16,

984,

746

1,9

27,2

40

1,0

78,9

00 -

�22

,864

,048

25,

078,

982

86,

157,

�25

5�4

,0�1

549

,000

8,1

0�,9

27

(655

,�52

)

�,9

02,�

48

991

,719

,007

-

705

,190

705

,190

- -

992

,424

,197

1,00

5,4�

7,91

�

268

,�74

,044

246

,217

,495

7�4

,098

691

,572

,168

44,

111,

521

4,1

57,0

10 -

1,6�

6,09

0,86

6

205

,507

,57�

100

,125

,�61

11,

448,

794

5,0

46,1

40

174

,576

,451

(655

,�52

)

�,9

09,6

28

4,�9

2,74

4,08

2 -

1�7

,255

,415

1�7

,255

,415

�8,

692

�8,

692

4,5�

0,0�

8,18

9


TABL

ESIN

SURA

NCE

IN F

ORC

E - 2

005

TABL

E IX

1 2. �. 4. 5. 6. 7. 8. 9. 10.

11.

12.

1�.

14.

15.

16

1. 2. 1. 2.

LOC

AL

COM

PAN

IES

NU

MBE

R O

FPO

LICI

ESA

NN

UA

LPR

EMIU

MS

NU

MBE

R O

FPO

LICI

ES

$

SUM

ASS

URE

DO

R A

MO

UN

TS O

FA

NN

UIT

Y PE

R A

NN

UM

SIN

GLE

PREM

IUM

S A

ND

CON

SID

ERAT

ION

SUM

ASS

URE

DO

R A

MO

UN

TS O

FA

NN

UIT

Y PE

R A

NN

UM

$$

$

Amer

ican

Life a

nd G

ener

al In

sura

nce C

ompa

ny (T

&T) L

td.

Banc

assu

ranc

e Car

ibbe

an Lt

d.

Briti

sh-A

mer

ican

Insu

ranc

e Com

pany

(Trin

idad

) Ltd

.

Carib

bean

Atla

ntic

Life I

nsur

ance

Com

pany

(T&T

) Lt

d.

Colo

nial

Life

Insu

ranc

e Com

pany

(Trin

idad

) Ltd

.

Cuna

Car

ibbe

an In

sura

nce S

ocie

ty Lt

d.

Dem

erar

a Life

Ass

uran

ce C

ompa

ny o

f T&T

Ltd.

Guar

dian

Gen

eral

Insu

ranc

e Lim

ited

Guar

dian

Life

of t

he C

arib

bean

Ltd.

Mar

itim

e Life

(Car

ibbe

an) L

td.

Meg

a In

sura

nce C

ompa

ny Lt

d.

Natio

nwid

e Ins

uran

ce C

ompa

ny

Tatil

Life

Ass

uran

ce Lt

d.

Scot

ialife

Trin

idad

and

Toba

go Lt

d.

The R

eins

uran

ce C

ompa

ny o

f Trin

idad

and

Toba

go Lt

d.

The B

eaco

n In

sura

nce C

ompa

ny Lt

d.

TOTA

L

CARI

BBEA

N

Life o

f Bar

bado

s Ltd

.

Sagi

cor L

ife In

c.

TOTA

L

OTHE

R

Linco

ln A

ssur

ance

Ltd.

Sun

Life A

ssur

ance

Com

pany

of C

anad

a

TOTA

L

GRAN

D TO

TAL

4,9

47

29

5,8

07 -

16,

�06 - - -

17,

915

2,2

52

1,2

75 -

2,8

42

4,9

14 - -

56,

287

6,8

81

6,8

81 - -

6�,1

68

509

,776

,�8�

�22

,789

,405

�51

,451

,660

-

1,1

00,�

92,2

60 - - -

2,6

56,7

�7,7

77

42�

,860

,794

74,

689,

8�7 -

206

,�21

,277

79,

068,

000 - -

5,7

25,0

87,�

92

949

,281

,212

949

,281

,212

- -

6,67

4,�6

8,60

4

-

90,

272

100

,722

,146

-

6�,

075,

101 - - -

100

,�84

,�84

9,1

�4,9

22

2,9

06,8

2� -

6,2

27,1

26

22,

968,

592 - -

�05

,509

,�66

- - - -

�05,

509,

�66

-

7�6

,12�

- -

2,4

71,1

5�,4

09 - - -

114

,0�2

440

,022

- - -

45,

452,

662 - -

2,5

17,8

96,2

48 - - - -

2,51

7,89

6,24

8

48,

768

5,4

10

�5,

1��

422

1�8

,��0

1,�

92

1,6

09 -

114

,897

��,

�19

20,

441

�,5

45

�7,

024

5,9

47

9,0

91

15

455

,�4�

50,

�78

50,

�78

29

29

505,

750

5,

287,

2�8,

084

1,5

20,7

26,0

2�

2,0

�1,5

00,9

98

1�,

986,

6�9

9,5

12,1

05,9

44

6,5

7�,9

27,1

8�

52,

190,

�85 -

12,

718,

299,

854

2,1

98,1

47,9

2�

1,4

57,6

04,6

90

1��

,874

,489

2,6

86,4

00,�

62

102

,888

,948

54,

050,

608

�5,

244,

704

44,

�78,

186,

8�5

7,1

82,�

51,5

61

7,1

82,�

51,5

61

1,7

8�,9

22

1,7

8�,9

22

51,5

62,�

22,�

18

NEW

INSU

RAN

CE IS

SUED

DU

RIN

G T

HE

YEA

RIN

SURA

NCE

EXI

STIN

G


TABL

ESLO

NG

-TER

M IN

SURA

NCE

- A

NN

UIT

Y BU

SIN

ESS

2005

TABL

E X

1. 2. �. 4. 5. 6. 7. 8. 9. 10.

11.

12.

1. 2.

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T) L

td.

Banc

assu

ranc

e Ca

ribbe

an L

td.

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Carib

bean

Atla

ntic

Life

Insu

ranc

e Co

mpa

ny L

imite

d

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (

Trin

idad

) Lim

ited

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of T

&T L

td.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

td.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Meg

a In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e Co

mpa

ny

Scot

ialif

e Tr

inid

ad a

nd To

bago

Ltd

.

Tatil

Life

Ass

uran

ce L

td.

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos L

td.

Sagi

cor L

ife In

c.

TOTA

L

GRA

ND

TOTA

L

COM

PAN

IES

IMM

EDIA

TE

APP

ROVE

DPE

NSI

ON

AN

NU

ITIE

S(IM

MED

IATE

)A

NN

UIT

Y PE

R A

NN

UM

NU

MBE

R O

F PO

LICI

ESA

NN

UIT

Y PE

R A

NN

UM

DEF

ERRE

D

$

GEN

ERA

L A

NN

UIT

IES

APP

ROVE

DPE

NSI

ON

AN

NU

ITIE

S(D

EFER

RED

)

OTH

ERTO

TAL

IMM

EDIA

TE

APP

ROVE

DPE

NSI

ON

AN

NU

ITIE

S(IM

MED

IATE

)A

NN

UIT

Y PE

R A

NN

UM

DEF

ERRE

D

GEN

ERA

L A

NN

UIT

IES

APP

ROVE

DPE

NSI

ON

AN

NU

ITIE

S(D

EFER

RED

)

OTH

ERTO

TAL

799

��

20

26

10,

207

190

5,1

45

1,5

09 -

267

-

682

18,

878

1,5

08

1,5

08

20,

�86

11,

421

220

15,

601

22

84,

616

285

�5,

821

6,4

49

6,5

47

1,2

65

1,2

�4

10,

084

17�

,565

16,

414

16,

414

189

,979

- - - - - - - - - - - - - - - -

5

1 - - - - - -

121

- - -

12

184

��

��

217

- - - - - - - - - - - - - - - -

12,

271

25�

15,

621

48

94,

82�

475

40,

966

8,0

79

6,5

47

1,5

�2

1,2

�4

10,

778

192

,627

17,

955

17,

955

210

,582

�,

218,

960

1�2

,978

4�,

127

66,

617

96,

714,

492

1,0

76,9

65

54,

181,

711

9,0

74,8

97 -

671

,517

-

�,6

0�,8

�1

168

,785

,096

15,

665,

916

15,

665,

916

184

,451

,012

- - - -

959

,559

,650

12,

497,

805

11,

575,

6�6

5�,

968,

216 -

67,

528

11,

199,

000

�0�

,�44

,590

1,

�52,

212,

425

48,

651,

742

48,

651,

742

1,40

0,86

4,16

7

-

- - - - - - - - - - - - - - -

2,8

10,1

52 - - - - - - - - - -

706

,11�

�,5

16,2

65

6,9

69,�

65

6,9

69,�

65

10,

485,

6�0

- - - - - - - - - - - - - - - -

6,0

29,1

12

1�2

,978

66,

617

1,05

6,27

4,14

2

1�,

574,

770

65,

757,

�47

6�,

04�,

11�

7�9

,045

�07

,654

,5�4

1,

51�,

271,

659

71,

287,

02�

71,

287,

02�

1,58

4,55

8,68

2

$$

$$

$$

$$

$$


TABL

ESST

ATEM

ENT

OF

STAT

UTO

RY F

UN

D 2

005

- LIA

BILI

TIES

TO

PO

LICY

HO

LDER

S (L

ON

G-T

ERM

BU

SIN

ESS)

TABL

E XI

COM

PAN

IES

PO

LIC

Y RE

SERV

ES

LOC

AL

ORD

INA

RYLI

FEIN

DU

STRI

AL

LIFE

NO

N-

CA

NCE

LLA

BLE

SICK

NES

SA

ND

ACC

IDEN

T

OTH

ERTO

TAL

CLA

IMS

AD

MIT

TED

OR

INTI

MAT

EDBU

T N

OT

PAID

OTH

ERRE

SERV

ESTO

TAL

RESE

RVES

OU

TSTA

ND

ING

PREM

IUM

S

DED

UC

TIO

NS

POLI

CY

LOA

NS

OTH

ERD

EDU

CTI

ON

STO

TAL

FUN

DRE

QU

IREM

ENT

$$

$$

$$

$$

$$

$$

$$

$

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 1 2 1 2

LOCA

L

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T) L

td.

Banc

assu

ranc

e Ca

ribbe

an L

imite

d

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny ( T

rinid

ad )

Ltd.

Carib

bean

Atla

ntic

Life

Insu

ranc

e Co

mpa

ny (T

&T) L

td.

Carib

bean

Insu

ranc

e Co

mpa

ny L

td

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Ltd.

Dem

erar

a Li

fe A

ssur

ance

Com

pany

of T

&T L

td.

Guar

dian

Gen

eral

Insu

ranc

e Li

mite

d

Guar

dian

Life

of t

he C

arib

bean

Ltd

.

Mar

itim

e Li

fe (C

arib

bean

) Ltd

.

Meg

a In

sura

nce

Lim

ited.

Natio

nwid

e In

sura

nce

Com

pany

Ltd

.

Scot

ialif

e Tr

inid

ad a

nd To

bago

Ltd

.

Tatil

Life

Ass

uran

ce L

td.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

The

Rein

sura

nce

Com

pany

of T

rinid

ad &

Toba

go L

td.

Unite

d Se

curit

y Li

fe In

sura

nce

Com

pany

Ltd

.

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos L

td.

Sagi

cor L

ife In

corp

orat

ed

TOTA

L

OTHE

R

Linc

oln

Assu

ranc

e Lt

d.

Sun

Life

Ass

uran

ce C

ompa

ny o

f Can

ada

TOTA

L

GRAN

D TO

TAL

4��

,954

,896

69,

9�6,

148

75,

2�2,

0��

6,�

�9,2

27 -

8�2

,884

,044

7,9

99,5

�8

89,

784,

088 -

154

,504

,�04

744

,198

,656

12�

,90�

,000

�8,

476,

968

82,

286,

028

�25

,910

,8�7

574

,507

16,

114,

996

�,00

2,09

9,27

0

407

,860

,488

407

,860

,488

NOT

44�

,295

44�

,295

�,41

0,40

�,05

�

- -

�,5

59,�

47 - - - - - - - - - - -

- - -

�,5

59,�

47 -

WRI

TING

-

�,5

59,�

47

48,

�67

11,

14�,

520 - - -

18,

481,

4�2 - -

�90

,922

5,8

28,7

69 - - - -

462

,724

50,

000 - -

�6,

405,

7�4

2,2

57,�

40

2,2

57,�

40

BUS

INES

S

1�,

691

1�,

691

�8,

676,

765

204,

118,

446 - - - -

6,7

02,6

07,4

90 - - -

89,

468,

288

46,

825,

246 - - -

19,

915,

025 - -

7,0

62,9

�4,4

95

409

,�29

,896

409

,�29

,896

-

7,4

72,2

64,�

91

2,1

58,6

24 -

�7,

2�0 - - - - - - - - - - -

- - -

2,1

95,8

54 - -

2,1

95,8

54

250

,�99

,058

�,5

54,9

62

278

,814

,�41

5�8

,565

-

98�

,42�

,485

1,1

84,1

29

1�,

427,

57� -

2,4

71,4

71,9

�0 - -

7,8

05,5

26

4,1

16,4

15

109

,115

,245

- -

4,1

2�,8

51,2

29

877

,267

,577

877

,267

,577

-

5,0

01,1

18,8

06

890,

679,

�91

84,

6�4,

6�0

�57

,642

,951

6,8

77,7

92 -

8,5

�7,�

96,4

51

9,1

8�,6

67

10�

,211

,661

�90

,922

2,7

21,2

7�,2

91

791

,02�

,902

12�

,90�

,000

46,

282,

494

86,

402,

44�

455

,40�

,8�1

50,

000

574

,507

16,

114,

996

14,

2�1,

045,

929

1,6

96,7

15,�

01

1,6

96,7

15,�

01

456

,986

456

,986

15,

928,

218,

216

29,

879,

0�1

7,0

02,5

25

4,1

84,4

05

2�0

,480

27,

278,

�76

15,

718,

616

2,4

00,7

19 -

26,

566,

224 -

�,2

56,7

59

1,4

57,0

09

500

1�,

168,

112

269

,591

-

1,1

4�,9

21

1�2

,556

,268

26,

778,

677

26,

778,

677

129

,�84

129

,�84

159

,464

,�29

945

,576

,784

�77

,897

,506

�6�

,84�

,827

14,

145,

551 -

8,5

70,2

4�,5

04

59,

929,

710

105

,757

,1�6

�90

,922

�,�

52,4

91,2

05

816

,�94

,�80

127

,625

,287

47,

860,

848

86,

769,

648

86�

,440

,852

�19

,591

574

,507

17,

509,

079

15,

750,

770,

��8 -

1,7

��,0

2�,0

04

1,7

��,0

2�,0

04

852

,99�

852

,99�

17,

484,

646,

��5

-

7�0

,548

-

55,

45� - -

7,1

�1

276

,808

-

968

,840

-

440

,�85

299

,�05

-

1,0

59,7

�� - -

�,8

�8,2

0�

571

,752

571

,752

-

4,4

09,9

55

96,

179,

�57

15,

587,

522

17,

6�1,

�58

926

,921

-

97,

052,

162

9,�

52,7

81

6,0

94,�

8�

77,

819

�8,

841,

692

5�,

719,

174

9,1

1�,6

21

5,7

�6,9

12

69,

044

16,

�56,

141 - -

(�28

)

�66

,7�8

,559

-

2�,

992,

�06

2�,

992,

�06

195

,964

195

,964

�90

,926

,829

7,5

�6,8

47

(88,

�58)

625

,068

8,2

40 - -

6,1

52,2

95

92,

142

77,

819

16,

227,

121

11,

691,

218

47,

912

49,

221

69,

044

556

,099

- -

4�,

044,

668

�,�

71,2

44

�,�

71,2

44 -

46,

415,

912

88,

642,

510

14,

945,

��2

17,

006,

290

86�

,228

-

97,

052,

162

�,1

9�,�

55

5,7

25,4

�� -

21,

645,

7�1

42,

027,

956

8,6

25,�

24

5,�

88,�

86 -

14,

740,

�09 -

(�28

)

�19

,855

,688

20,

049,

�10

20,

049,

�10

195

,964

195

,964

�40

,100

,962

849

,�97

,427

�62

,�09

,984

�46

,212

,469

1�,

218,

6�0 -

8,4

7�,1

91,�

42

50,

576,

929

99,

662,

75�

�1�

,10�

�,�

1�,6

49,5

1�

762

,675

,206

118

,511

,666

42,

12�,

9�6

86,

700,

604

847

,084

,711

�19

,591

574

,507

17,

509,

407

15,

�84,

0�1,

779 -

1,7

09,0

�0,6

98

1,7

09,0

�0,6

98

657

,029

657

,029

17,

09�,

719,

506

25,

018,

�62

286

,260

,�51

2,0

16,4

71

7,0

�7,2

79 -

5,5

68,6

77

�5,

027,

427

144

,756

-

604

,651

,690

25,

�70,

478

465

,528

121

,�45

�66

,705

�94

,868

,909

-

250

,162

1,�

87,1

68,1

41

9,5

29,0

26

9,5

29,0

26

266

,62�

266

,62�

1,�

96,9

6�,7

90

GRO

UP

LIFE

GRO

UP

PEN

SIO

N


TABL

ESST

ATEM

ENT

OF

STAT

UTO

RY F

UN

D 2

005-

SEC

URI

TIES

HEL

D IN

TRU

ST (L

ON

G-T

ERM

BU

SIN

ESS)

TABL

E XI

A

1 2. �. 4. 5. 6. 7. 8. 9 10 11 12 1� 14 15 16 17 18 1. 2. 1. 2

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gene

ral In

sura

nce

Com

pany

(T&T

) Lt

d.

Banc

assu

ranc

e Ca

ribbe

an Lt

d.

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny (

Trin

idad

) Ltd

.

Carib

bean

Atla

ntic

Life

Insu

ranc

e Co

mpa

ny (T

&T) L

td.

Carib

bean

Insu

ranc

e Co

mpa

ny Lt

d.

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td.

Cuna

Car

ibbe

an In

sura

nce

Socie

ty Lt

d.

Dem

erar

a Life

Ass

uran

ce C

ompa

ny o

f Trin

idad

and

Toba

go Lt

d.

Guar

dian

Gen

eral

Insu

ranc

e Lim

ited

Guar

dian

Life

of t

he C

arib

bean

Ltd.

Mar

itim

e Lif

e (C

arib

bean

) Ltd

.

Meg

a Ins

uran

ce C

ompa

ny Li

mite

d

Natio

nwid

e In

sura

nce

Com

pany

Ltd.

Rein

sura

nce

Com

pany

of T

rinid

ad &

Toba

go Lt

d.

Scot

ialif

e Trin

idad

and

Toba

go Lt

d.

Tatil

Life

Ass

uran

ce Lt

d.

The

Beac

on In

sura

nce

Com

pany

Ltd.

Unite

d Se

curit

y Life

Insu

ranc

e Co

mpa

ny Lt

d.

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos L

td.

Sagi

cor L

ife In

corp

orat

ed

TOTA

L

OTHE

R

Linco

ln A

ssur

ance

Ltd.

Sun

Life

Assu

ranc

e Co

mpa

ny o

f Can

ada

TOTA

L

GRAN

D TO

TAL

TRIN

IDA

D

AN

D

TOBA

GO

GO

VERN

MEN

T

SECU

RITI

ES

$$

$$

$$

$$

$$

$$

$$

$ 2

51,1

19,�

00

5,0

50,0

00

100

,000

482

,77�

,784

4,1

45,2

76

INCO

MPL

ETE

SUBM

ISSI

ON

O

F RE

TURN

S

208

,989

,686

240

,808

,1�8

7,1

26,4

99

21,

911,

182

56,

957,

514

109

,15�

,570

1,�

88,1

�4,9

49

TRAN

SFER

RED

255

,0�6

,479

255

,0�6

,479

NO

T - 1,

64�,

171,

428

1,0

26,7

94

28,

69�,

907

1,6

76

NO

T -

128

,467

,502

�5,

124,

�01

2,9

�5,6

17

14,

1�8,

285

40,

919,

8�9

251

,�07

,921

TO

4�5

,087

,�78

4�5

,087

,�78

WRI

TIN

G -

686

,�95

,299

85,

700,

000

19,

500,

000

��,

900,

000

WRI

TIN

G

�44

,5�5

,000

57,

900,

000

152

,5�5

,041

2�,

702,

��

10,

700,

000

728

,472

,�74

SAG

ICO

R LI

FE IN

C

169

,441

,899

169

,441

,899

BU

SIN

ESS -

897

,914

,27�

1,2

98,6

54

165

,668

,00�

158

,272

,517

8,0

45,4

54

BUS

INES

S

4,2

�6,5

95,6

71

1,4

14,1

78,4

62

92,

105,

7��

11,

822,

412

1,7

67,�

4�

42�

,542

,�56

6,5

1�,2

96,6

04

69,

14�,

556

69,

14�,

556 -

6,5

82,4

40,1

60

72,

411,

219

4,1

�8,1

96

�2,

144,

904

919

,297

,776

17,

567,

�05

92,

�54,

645

122

,52�

,000

1,6

50,0

00

52,

174,

751

512

,000

1,

�14,

77�,

796

216

,852

,456

216

,852

,456

- 1,

5�1,

626,

252

�16

,015

,154

88,

740,

508

�,7

44,6

85

4,8

�9,0

97

227

,605

,075

25,

295,

069

500

,000

70�

,922

,440

46,

809,

55�

52,

7��,

019

�2,

825,

850

587

,0��

25,

�02,

1�7

26�

,�56

,105

17,

446,

�57

1,80

9,72

2,08

2

676

,924

,256

676

,924

,256

- 2,

486,

646,

��8

726

,544

,�28

284

,12�

,501

256

,756

,01�

12,

986,

227 -

6,2

10,8

07,�

06

47,

007,

650 -

500

,000

2,6

05,8

12,7

�4

689

,905

,766

99,

969,

880

54,

7�7,

0�2

587

,0��

98,

165,

279

899

,846

,621

512

,000

17,

446,

�57

12,

005,

707,

727 -

1,8

22,4

86,0

24

1,8

22,4

86,0

24 - -

1�,

828,

19�,

751

9

,847

,491

-

5,5

92,5

98

847

,�19

,1�4

4,1

��,2

�4

9�7

,000

�25

,000

868

,154

,457

- -

868

,154

,457

7�

6,�9

1,81

9

284

,12�

,501

262

,�48

,611

12,

986,

227 -

7,0

58,1

26,4

40

54,

128,

041 -

500

,000

2,6

05,8

12,7

�4

689

,905

,766

99,

969,

880

54,

7�7,

0�2

587

,0��

98,

165,

279

900

,78�

,621

512

,000

17,

771,

�57

12,8

76,8

49,�

41 -

1,8

22,4

86,0

24

1,8

22,4

86,0

24 - -

14,6

99,�

�5,�

65

21,

�52,

510 -

50,

��,

�81

1,5

�8,9

84,6

09

6��

,969

,048

77,

157,

102

�,7

95,0

22

9,�

81,4

50

2,�

�4,9

7�,1

22 -

6,�

07,7

68

6,�

07,7

68

2,�

41,2

80,8

90

109

,902

,9�6

72,

461,

997

50,

��,

�81 - -

1,5�

8,98

4,60

9 - -

6��

,969

,048

77,

157,

102

�,7

95,0

22 - - -

21,

980,

085 - -

2,50

8,58

4,18

0 - - -

6,�

07,7

68

6,�

07,7

68

2,51

4,89

1,94

8

87

80

84

100

-

82

100

-

100

80

90

96

100

100

100

98

100

100

8�.

7 -

100

- - - -

85.

4

88,

550,

426

72,

461,

997

12,

598,

6�5

17�

,611

,058

- -

17�

,611

,058

-

2,9

87,1

57

2,9

87,1

57 - -

2,9

87,1

57

$

MO

RTG

AG

ES

REA

L

ESTA

TE

TRIN

IDA

D

AN

D

TOBA

GO

EQU

ITIE

S

FIXE

D

DEP

OSI

TS

OTH

ER

TRIN

IDA

D

AN

D T

OBA

GO

“LO

CAL”

ASS

ETS

TOTA

L

TRIN

IDAD

AND

TOBA

GO

“LO

CAL”

ASSE

TS

CARI

COM

ASS

ETS

OTH

ERCA

RICO

M

ASS

ETS

DEN

OTE

D IN

FORE

IGN

CURR

ENCY

TOTA

L

“LO

CAL”

ASS

ETS

“LO

CAL”

ASS

ETS

RATI

O

FORE

IGN

GO

VERN

MEN

T

SECU

RITI

ES

OTH

ER

FORE

IGN

ASS

ETS

TOTA

L

FORE

IGN

ASS

ETS

TOTA

L

ASS

ETS

IN F

UN

D

MO

RE O

R

LESS

TH

AN

REQ

UIR

EMEN

T

846

,294

,755

�56

,585

,498

�12

,681

,99�

12,

986,

227 -

8,5

97,1

11,0

49

54,

128,

041 -

500

,000

�,2

�9,7

81,7

82

767

,062

,868

10�

,764

,902

54,

7�7,

0�2

587

,0��

98,

165,

279

922

,76�

,706

512

,000

17,

771,

�57

15,

�85,

4��,

521 -

1,8

22,4

86,0

24

1,8

22,4

86,0

24

6,�

07,7

68

6,�

07,7

68

17,

214,

227,

�1�

(�,1

02,6

7�)

(5,7

24,4

86)

(��,

5�0,

476)

(2�2

,40�

)

12�

,919

,707

�,5

51,1

12

186

,897

(7�,

867,

7�1)

4,�

87,6

62

(14,

746,

764)

12,

61�,

096

12,

526

11,

464,

674

75,

678,

995

192

,409

261

,950

101

,064

,495

-

11�

,455

,�26

11�

,455

,�26

5,6

50,7

�9

5,6

50,7

�9

220

,170

,560


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F M

OTO

R IN

SURA

NCE

- 20

05

TABL

E XI

I

1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25 26 1

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T)

Ltd.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Capi

tal I

nsur

ance

Ltd

.

Carib

bean

Insu

ranc

e Co

mpa

ny L

td.

Citiz

en In

sura

nce

Com

pany

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

GTM

Fire

Insu

ranc

e Co

mpa

ny L

td

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gul

f Ins

uran

ce L

td.

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Mot

or &

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Mot

or O

ne In

sura

nce

Com

pany

Lim

ited

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Ltd

The

Goo

dwill

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Pres

iden

tial I

nsur

ance

Com

pany

Ltd

.

The

Rein

sura

nce

Com

pany

of T

&T L

td.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

imite

d

TOTA

L

GRA

ND

TOTA

L

UN

EARN

ED

PREM

IUM

RESE

RVE

$$

$$

$$

�,0

60,0

00

6,0

46,0

74

12,

800,

000

66�

,814

2,1

90,7

00

14,

220,

268

1,0

21,2

85

2,5

90,5

5�

67,

001,

1�2

5,4

89,9

97

29,

901,

81�

�,8

�5,9

04

892

,720

-

�,6

14,7

14

610

,278

10,

094,

81�

no a

ccou

nts

1,�

4�,9

15

no a

ccou

nts

6,6

�2,6

14

8,4

47,1

�7

4,2

04,7

57

�69

,�72

27,

94�,

579

212

,975

,4�9 - -

212

,975

,4�9

�,0

60,0

00

6,0

46,0

74

12,

800,

000

66�

,814

2,1

90,7

00

14,

220,

268

1,0

21,2

85

2,5

90,5

5�

67,

001,

1�2

5,4

89,9

97

29,

901,

81�

�,8

�5,9

04

892

,720

-

�,6

14,7

14

610

,278

10,

094,

81�

subm

itted

1,�

4�,9

15

subm

itted

6,6

�2,6

14

8,4

47,1

�7

4,2

04,7

57

�69

,�72

27,

94�,

579

212

,975

,4�9

- -

212

,975

,4�9

67,

119

4,5

50 - - - -

2,1

51

1,9

�2,8

5�

15,

80�

179

,080

4,2

47,4

40 - - - - -

2,7

99 -

�8,

690 -

4,5

70 -

22,

645

6,5

17,7

00 - -

6,5

17,7

00

1�,

052,

125

14,

18�,

400

48,

718,

580 -

25,

709,

061

69,

091,

877

2,2

26,2

7�

9,5

95,7

67

10�

,407

,944

10,

148,

008

50,

142,

768

1�,

206,

044

1�,

67�,

200 - -

21,

594,

172

1�,

284,

6�4

8,2

65,�

10

1�,

726,

477

19,

059,

456

8,4

86,8

22 -

66,

16�,

519

52�

,7�5

,4�7

- -

52�

,7�5

,4�7

- -

4,9

85,7

21

1,0

57,7

95

406

,5�1

2,4

81,9

45

259

,781

�6�

,677

2,7

64,�

06

1,8

59,0

0�

9,5

28,2

08

1,6

2�,2

51

67�

,685

-

58,

�24 -

1,4

28,8

9�

4�9

,�26

-

1,0

05,�

�7 -

�26

,0�0

6,7

17,�

27

�5,

979,

140 - -

�5,

979,

140

4��

,957

- - - -

10,

641,

�46 -

2,5

02,7

85

�7 - - -

2,6

82,5

85 - - - - - -

206

,125

- - -

16,

466,

8�5 - -

16,

466,

8�5

- - -

74,

75� - - - - - - -

2,7

51,2

46 - - - -

976

,6�9

1,5

04,4

10

1,0

25,7

88 -

2,1

7�,6

19 - -

8,5

06,4

55 - -

8,5

06,4

55

20

,7�4

,079

29,

044,

926

99,

865,

2��

1,7

96,�

62

41,

�57,

870

109

,�9�

,961

4,4

8�,0

05

20,

859,

161

219

,724

,875

2�,

12�,

924

11�

,271

,680

26,

�96,

�51

2�,

5�1,

2�4 -

�,6

7�,0

�8

29,

4�9,

517

�2,

581,

128

14,

425,

124 -

28,

007,

252

�5,

717,

455

17,

64�,

080

695

,402

1�2

,8�4

,462

1,

028,

599,

119 - -

1,02

8,59

9,11

9

1,9

8�,7

84

2,�

75,6

74

�,2

��,4

99 -

5,5

70,1

69

7,0

55,2

69

195

,225

1,8

�7,0

14

16,

684,

0��

974

,255

9,5

99,4

22

1,0

75,�

01

7�4

,080

- -

�,�

26,0

10

1,2

4�,8

0�

541

,65�

2,1

8�,5

94

55�

,54�

1,0

90,2

44 -

8,8

98,1

17

69,

154,

688 - -

69,

154,

688

866

,�61

-

�,1

51,0

5� -

(598

,865

)

4,0

19,2

07

664

,590

�,5

9�,1

85

7,9

49,5

75

(1,6

85,0

68)

6,9

�5,6

05 -

2,7

91,2

52 -

81,

259

�05

,902

- - -

507

,791

-

67,

915

7,9

86,6

24

�6,

6�6,

�86 - -

�6,

6�6,

�86

6,5

70,�

9�

9,9

08,5

49

�5,

208,

46� -

1�,

452,

056

�1,

227,

615

558

,918

5,6

50,9

�9

48,

849,

491

5,8

�2,7

8�

20,

�29,

687

6,�

26,�

07

7,1

49,6

01 - -

9,6

17,1

6�

7,2

75,2

66

�,7

44,1

72

8,6

47,4

0�

7,5

68,6

20

�,0

20,�

04 -

�7,

119,

296

268

,057

,026

- -

268

,057

,026

1,1

15,0

8�

�,6

90,7

01

�,8

5�,5

91

1,1

21,4

16

5,2

41,�

22

16,

896,

197

487

,0�8

2,6

18,6

20

15,

210,

��2

6,1

4�,9

09

5,0

27,4

74

�,5

69,5

98

�,2

21,0

41 - - -

7,�

55,8

05

�,0

71,6

50

4,0

51,0

92

7,7

41,1

85

�,�

49,0

75

258

,115

5,1

11,5

52

99,

1�4,

796 - -

99,

1�4,

796

�55

,909

- -

121

,661

- - - - - - - - - - - -

62,

77� - -

261

,7�0

- - -

802

,07�

- -

802

,07�

5,8

77,9

49

12,

522,

882

�4,

082,

554

55�

,285

15,

�52,

188

�6,

659,

�59

1,5

97,4

4�

�,8

89,4

11

58,

286,

752

5,1

8�,7

71

��,

9�9,

190

11,

880,

611

8,1

8�,9

2� -

�0,

077

10,

60�,

1�8

4,7

19,�

56

5,0

�4,8

08

6,1

97,0

05

10,

668,

075

4,�

42,9

76

480

�7,

08�,

0��

�06

,688

,268

- -

�06

,688

,268

$

COM

MIS

SIO

NS

RECE

IVED

PRO

FIT

AN

D L

OSS

AD

JUST

MEN

TS

�

,964

,601

1�,

141,

824

20,

��6,

07� -

2,�

41,0

00

1�,

5�6,

�14

979

,791

�,2

69,9

92

72,

744,

691

6,6

74,2

75

�7,

440,

�02

�,5

44,5

�4

1,4

51,�

�7 -

�,5

61,7

01

5,5

87,�

04

11,

924,

125

2,0

�2,8

41

6,9

28,1

58

8,4

16,5

11

5,8

40,4

81

�68

,892

�6,

6�5,

840

260

,720

,587

- -

260

,720

,587

20,

7�4,

080

41,

6�9,

6�0

99,

865,

2��

1,7

96,�

62

41,

�57,

870

109

,�9�

,961

4,4

8�,0

05

20,

859,

161

219

,724

,875

2�,

12�,

925

11�

,271

,680

26,

�96,

�51

2�,

5�1,

2�4 -

�,6

7�,0

�8

29,

4�9,

517

�2,

581,

128

14,

425,

124 -

28,

007,

252

�5,

717,

455

17,

64�,

080

695

,402

1�2

,8�4

,462

1,

041,

19�,

824 - -

1,0

41,1

9�,8

24

AM

OU

NT

OF

FUN

D A

T TH

E BE

GIN

NIN

G O

F YE

AR

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

PREM

IUM

SREVE

NU

E INTE

REST

DIV

IDEN

DS

AN

D R

ENTS

OTH

ERTO

TAL

EXPE

ND

ITU

RE

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

EXPE

NSE

S O

F M

AN

AG

EMEN

T

OU

TSTA

ND

ING

CLA

IMS

RESE

RVE

COM

MIS

SIO

NS

TRA

NSF

ERS

TO P

ROFI

T A

ND

LO

SS A

CCO

UN

T

UN

EARN

EDPR

EMIU

M

RESE

RVE

TOTA

LO

THER

AM

OU

NT

OF

FUN

D A

TEN

D O

F YE

AR

$$

$$

$$

$$

$


TABL

ESST

ATEM

ENT

OF

STAT

UTO

RY F

UN

D -

LIA

BILI

TY O

F PO

LICY

HO

LDER

S A

ND

ASS

ETS

HEL

D IN

TRU

ST -

MO

TOR

INSU

RAN

CE -

2005

TABL

E XI

II

1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny

(T&T

) Ltd

.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Capi

tal I

nsur

ance

Ltd

.

Carib

bean

Insu

ranc

e Co

mpa

ny L

td.

Citiz

en In

sura

nce

Com

pany

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d,.

GTM

Insu

ranc

e Co

mpa

ny L

imite

d

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gul

f Ins

uran

ce L

imite

d

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Mot

or a

nd G

ener

al In

sura

nce

Com

pany

Ltd

.

Mot

or O

ne In

sura

nce

Com

pany

Lim

ited

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

Rein

sura

nce

Com

pany

of T

rinid

ad &

Toba

go L

td.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Lim

ited.

The

Goo

dwill

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Pres

iden

tial I

nsur

ance

Com

pany

Ltd

.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Trin

idad

and

Toba

go In

sura

nce

Ltd.

TOTA

L

CARI

BBEA

N

TOTA

L

GRA

ND

TOTA

L

UN

EARN

ED

PREM

IUM

RESE

RVE

$$

$$

$$

5,91

7,78

7

8,0

09,9

10

24,

880,

475 -

14,

50�,

409

�0,9

15,�

�9

52�,

822

5,1�

7,21

7

48,8

49,4

91

4,9

52,5

77

18,9

11,�

�7

6,�2

6,�0

7

7,14

9,60

1

IN R

ECEI

VERS

HIP.

�,02

0,�0

4 -

9,61

7,16

�

6,6

1�,8

78

NO

ACC

OU

NTS

�,7

44,1

72

NO

T

7,86

1,27

5

7,56

8,62

0 -

�2,9

94,9

29

247

,497

,61�

-

247,

497,

61�

�,9

64,6

01

6,0

46,0

7�

20,

��6,

07� -

2,5

50,0

00

1�,

5�6,

�14

979

,791

2,7

24,9

9�

72,

744,

691

5,9

89,9

97

�7,

440,

�02

�,5

44,5

�4

1,4

51,�

�7

5,8

40,4

81

�,5

61,7

01

5,5

87,�

04

11,

924,

125

SUBM

ITTE

D

2,0

�2,8

41

WRI

TIN

G

5,7

7�,4

65

8,4

16,5

11

�69

,772

�6,

6�5,

840

251

,450

,746

-

251,

450,

746

652

,606

800

,910

10,

�27,

988 -

�12

,276

�5,

096

51�

,722

-

495

,258

1,4

18,�

50 - - - - -

661

,�88

BU

SIN

ESS

1,9

40,8

21 - -

4,8

16,5

10

21,

974,

925 -

21,9

74,9

25

10,

5�4,

994

14,

856,

89�

55,

544,

5�6 -

17,

05�,

409

44,

76�,

929

1,5

�8,7

09

8,�

75,9

�2

121

,594

,182

11,

4�7,

8�2

57,

769,

989

9,8

70,8

41

8,6

00,9

�8

8,8

60,7

85

�,5

61,7

01

15,

204,

467

19,

199,

�91

5,7

77,0

1� -

15,

575,

561

15,

985,

1�1

�69

,772

74,

447,

279

520

,92�

,284

-

520,

92�,

284

16,

284,

572

7,4

84,6

70

17,

084,

�98 -

4,4

60,4

55

�2,

680,

997

2,0

�8,6

88

1,9

66,6

40

4�,

�97,

404

5,0

21,0

79

2�,

949,

859

2,0

67,2

87

4,5

06,4

19

2,0

55,�

20 - -

4,4

54,6

04

1,6

60,5

94

4,8

75,9

�8

6,8

�0,7

95

2,0

74,4

16

�8,

9�6,

185

221

,8�0

,�20

-

221,

8�0,

�20

894

,592

5,2

04,4

81

1,1

48,8

05 -

718

,600

5,7

�8,5

�1

419

,785

1,9

42,7

84

21,

268,

115

�,�

61,2

68 - -

�69

,186

1,4

61,5

06 -

6,4

78,2

52

1,9

60,7

92

290

,972

�,�

7�,6

91

5,7

17,8

�7 -

4,7

51,1

�4

65,

100,

��1 -

65,1

00,�

�1

-

2,1

67,7

42

�7,

�11,

�� -

11,

874,

�54

6,�

44,4

01 -

4,4

66,5

08

56,

928,

66�

�,0

55,4

85

��,

820,

1�0

7,8

0�,5

54

�,7

25,�

��

5,�

4�,9

59

�,5

61,7

01

8,7

26,2

15

12,

78�,

995

�,8

25,4

47 -

7,�

25,9

�2

�,4

�6,4

99 -

�0,

759,

960

24�

,261

,212

-

24�,

261,

212

8,9

29,5

00 -

16,

060,

690 -

2,6

65,5

57

7,6

09,4

64

1,8

56,0

00

2,0

82,7

61

5,0

00,0

00

44,

20�,

972 -

44,2

0�,9

72

1,7

85,6

90

2,20

5,00

0

11,

49�,

600 -

4,6

91,0

80

�82

,1�0

1,0

11,1

50

�0,

91�,

017

�,8

21,�

96

16,

287,

089

4,2

�6,0

98

2,6

�0,2

42

4,9

92,�

08

2,4

94,6

72

9,8

78,7

90

�,7

85,1

92

1,9

65,9

7�

�4�

,066

8�,

459,

�90

186

,�75

,88�

-

186,

�75,

88�

10,

715,

190

2,2

05,0

00

27,

554,

290 -

1,5

61,0

17

7,�

56,6

�7

�82

,1�0

�,1

11,1

50

54,

274,

92�

6,0

59,0

�1

�4,

0�7,

089

4,2

�6,0

98

2,6

�0,2

42 -

4,9

92,�

08

4,�

50,6

72

2,0

82,7

61

9,8

78,7

90

�,7

95,1

11

8,7

85,1

92

2,0

21,9

7�

�4�

,066

8�,

459,

�90

27�

,8�2

,060

-

27�,

8�2,

060

-

�,5

85,7

62

�,5

85,7

62 -

�,58

5,76

2

10,

715,

190

2,2

05,0

00

27,

554,

290 -

1,5

61,0

17

7,�

56,6

�7

�82

,1�0

�,1

11,1

50

54,

274,

92�

6,0

59,0

�1

�4,

0�7,

089

4,2

�6,0

98

2,6

�0,2

42 -

4,9

92,�

08

4,�

50,6

72

2,0

82,7

61

9,8

78,7

90

�,7

95,1

11

8,7

85,1

92

2,0

21,9

7�

�4�

,066

8�,

459,

�90

27�

,8�2

,060

-

27�,

8�2,

060

- - - - - -

- - -

1,5

61,0

17

2,1

00,0

00

15,

752,

442

2,2

�7,6

�5

17,

750,

000 -

�,7

95,1

11

56,

000

4�,

252,

205 -

4�,2

52,2

05

$

OTH

ERFU

ND

RE

QU

IREM

ENTS

10,

715,

190

2,2

05,0

00

27,

554,

290 -

1,5

61,0

17

7,�

56,6

�7

�82

,1�0

�,1

11,1

50

57,

860,

685

6,0

59,0

�1

�4,

0�7,

089

4,2

�6,0

98

2,6

�0,2

42 -

4,9

92,�

08

4,�

50,6

72

2,0

82,7

61

9,8

78,7

90

�,7

95,1

11

8,7

85,1

92

2,0

21,9

7�

�4�

,066

8�,

459,

�90

277

,417

,822

-

277,

417,

822

10,

715,

190

�7,

258

(9,7

57,0

4�) -

(10,

�1�,

��7)

1,0

12,2

�6

�82

,1�0

(1,�

55,�

58)

9�2

,022

�,0

0�,5

46

216

,959

(�,5

67,4

56)

(1,0

95,0

91) -

(�51

,651

)

788

,971

(6,6

4�,4

54)

(2,9

05,2

05) -

(�0,

��6) -

1,4

59,2

60

(1,4

14,5

26)

�4�

,066

52,

699,

4�0

�4,

156,

610 -

�4,1

56,6

10

ESTI

MAT

EDLI

ABI

LITY

IN R

ESPE

CT

OF

OU

TSTA

ND

ING

CL

AIM

S

TOTA

L LI

ABI

LITY

FUN

DS

AT E

ND

OF

YEA

R

AM

OU

NT

HEL

D O

ND

EPO

SIT

OTH

ERD

EDU

CTI

ON

STR

INID

AD

A

ND

TOBA

GO

GO

VERN

MEN

TSE

CURI

TIES

ASS

ETS

HEL

D IN

FU

ND

FIXE

DD

EPO

SITS

OTH

ERTR

INID

AD

AN

DTO

BAG

OA

SSET

S

DED

UC

TIO

NS

TOTA

LTR

INID

AD

AN

DTO

BAG

OA

SSET

S

CARI

COM

ASS

ETS

TOTA

L“L

OCA

L”A

SSET

S

FORE

IGN

ASS

ETS

TOTA

LA

SSET

SM

ORE

OR

(LES

S) T

HA

NFU

ND

REQ

UIR

EMEN

TS

$$

$$

$$

$$

$


TABL

ESU

ND

ERW

RITI

NG

RES

ULT

S IN

RES

PEC

T O

F M

OTO

R IN

SURA

NCE

- 20

05

TABL

E XI

V

1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25 26 1

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

eCo

mpa

ny (T

&T) L

td.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Capi

tal I

nsur

ance

Ltd

.

Carib

bean

Insu

ranc

e Co

mpa

ny L

td.

Citiz

en In

sura

nce

Com

pany

Ltd

.

Colo

nial

Fire

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

GTM

Fire

Insu

ranc

e Co

. Ltd

.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gul

f Ins

uran

ce L

td.

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Mot

or a

nd G

ener

al In

sura

nce

Com

pany

Ltd

.

Mot

or O

ne In

sura

nce

Com

pany

Lim

ited

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Com

pany

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Ltd

The

Goo

dwill

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Pres

iden

tial I

nsur

ance

Com

pany

Ltd

.

The

Rein

sura

nce

Com

pany

of T

&T L

td.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

imite

d

TOTA

L

GRA

ND

TO

TAL

UN

EARN

ED

PREM

IUM

(BEG

INN

ING

OF

YEA

R)

%$

%$

%

UN

EARN

ED

PREM

IUM

(EN

D O

F YE

AR)

CLA

IMS

OU

TSTA

ND

ING

(BEG

INN

ING

OF

YEA

R)

4,1

20,8

78

8,8

10,9

02

��,

�60,

9�2 -

1�,

051,

578

12,

958,

525

97�

,515

�,8

7�,5

26

46,

5�5,

65�

5,4

47,8

�6

19,

451,

451

4,9

79,9

06

5,6

09,0

45

No

acco

unts

- -

7,2

�5,0

67

6,7

9�,�

50

No

acco

unts

2,8

72,1

6�

No

acco

unts

6,5

8�,6

8�

6,9

99,4

00

2,7

7�,�

12 -

�1,

987,

�92

224

,418

,114

- -

224

,418

,114

1�,

052,

125

14,

18�,

400

48,

718,

580 -

25,

709,

061

69,

091,

877

2,2

26,2

7�

9,5

95,7

67

10�

,407

,944

10,

148,

008

50,

142,

768

1�,

206,

044

1�,

67�,

200

subm

itted

- -

21,

594,

172

1�,

284,

6�4

subm

itted

8,2

65,�

10

subm

itted

1�,

726,

477

19,

059,

456

8,4

86,8

22 -

66,

16�,

519

52�

,7�5

,4�7

- -

52�

,7�5

,4�7

6,5

70,�

9�

9,9

08,5

49

�5,

208,

46� -

1�,

452,

056

�1,

227,

615

558

,918

5,6

50,9

�9

48,

849,

491

5,8

�2,7

8�

20,

�29,

687

6,�

26,�

07

7,1

49,6

01 - -

9,6

17,1

6�

7,2

75,2

66

�,7

44,1

72

8,6

47,4

0�

7,5

68,6

20

�,0

20,�

04 -

�7,

119,

296

268

,057

,026

- -

268

,057

,026

10,

602,

610

1�,

085,

75�

46,

871,

049 -

25,

�08,

58�

50,

822,

787

2,6

40,8

70

7,8

18,�

54

101

,094

,105

9,7

6�,0

61

49,

264,

5�2

11,

859,

64�

12,

1�2,

644 - -

19,

212,

076

12,

802,

718

7,�

9�,�

01

11,

662,

757

18,

490,

2�6

8,2

�9,8

�0 -

61,

0�1,

615

480

,096

,525

- -

480

,096

,525

5,8

77,9

49

12,

522,

882

�4,

082,

554

55�

,285

15,

�52,

188

�6,

659,

�59

1,5

97,4

4�

�,8

89,4

11

58,

286,

752

5,1

8�,7

71

��,

9�9,

190

11,

880,

611

8,1

8�,9

2� -

�0,

077

10,

60�,

1�8

4,7

19,�

56

5,0

�4,8

08

6,1

97,0

05

10,

668,

075

4,�

42,9

76

480

�7,

08�,

0��

�06,

688,

268 - -

�06,

688,

268

�,9

64,6

01

1�,

141,

824

20,

��6,

07� -

2,�

41,0

00

1�,

5�6,

�14

979

,791

�,2

69,9

92

72,

744,

691

6,6

74,2

75

�7,

440,

�02

�,5

44,5

�4

1,4

51,�

�7 -

�,5

61,7

01

5,5

87,�

04

11,

924,

125

2,0

�2,8

41

6,9

28,1

58

8,4

16,5

11

5,8

40,4

81

�68

,892

�6,

6�5,

840

260

,720

,587

- -

260

,720

,587

�,0

60,0

00

6,04

6,07

4

12,

800,

000

66�

,814

2,1

90,7

00

14,

220,

268

1,0

21,2

85

2,5

90,5

5�

67,

001,

1�2

5,4

89,9

97

29,

901,

81�

�,8

�5,9

04

892

,720

-

�,6

14,7

14

610

,278

10,

094,

81�

1,�

4�,9

15

6,6

�2,6

14

8,4

47,1

�7

4,2

04,7

57

�69

,�72

27,

94�,

579

212

,975

,4�9

- -

212

,975

,4�9

6,7

82,5

50

19,

618,

6��

41,

618,

627

(110

,529

)

15,

502,

488

�5,

975,

405

1,5

55,9

49

4,5

68,8

50

64,

0�0,

�11

6,�

68,0

49

41,

477,

679

11,

589,

241

8,7

42,5

40 -

(22,

9�6)

15,

580,

164

6,5

48,6

68

5,7

2�,7

�4

6,4

92,5

49

10,

6�7,

449

5,9

78,7

00 -

45,

775,

294

�54

,4��

,416

- -

�54

,4��

,416

10.

52

28.

20

8.2

2 -

20.

71

��.

25

18.

44

��.

49

15.

05

62.

9�

10.

21

�0.

10

26.

55 - - -

57.

46

41.

55

�4.

74

41.

87

40.

64 -

8.�

8

522

- -

522

7,8

97,6

��

2�,

�09,

��4

45,

472,

218

1,0

10,8

87

20,

74�,

810

52,

871,

602

2,0

42,9

87

7,1

87,4

70

79,

240,

64�

12,

511,

958

46,

505,

15�

15,

158,

8�9

11,

96�,

581 -

(22,

9�6)

15,

580,

164

1�,

904,

47�

8,7

95,�

84

10,

54�,

641

18,

�78,

6�4

9,�

27,7

75

258

,115

50,

886,

846

45�

,568

,212

- -

45�

,568

,212

74.

49

178

.1�

97.

02 -

81.

96

104

.0�

77.

�6

91.

9�

78.

�8

128

.16

94.

40

127

.82

98.

61 - -

81.

10

108

.61

118

.96

90.

40

99.

40

11�

.20 -

8�.

�8

1,9

27 - -

1,9

27

6�.

97

149

.92

88.

79 -

61.

25

70.

79

58.

92

58.

44

6�.

�4

65.

2�

84.

19

97.

72

72.

06 - -

81.

10

51.

15

77.

42

55.

67

57.

5�

72.

56 -

75.

00

1,4

05 - -

1,4

05

NET

PREM

IUM

WRI

TTEN

NET

PREM

IUM

SEA

RNED

(1+2

)-�

NET

CL

AIM

SPA

ID D

URI

NG

THE

YEA

R

CLA

IMS

OU

TSTA

ND

ING

(EN

D O

F YE

AR)

8 A

S A

% O

F 4

EX

PEN

SES

OF

MA

NA

GEM

ENT

AN

D N

ETCO

MM

ISSI

ON

S

10 A

S A

PE

R CE

NT

OF

4

TOTA

LPR

EMIU

MPA

YMEN

TS(8

+10)

12 A

S A

% O

F 4

$$

$$

$$

NET

CL

AIM

S IN

CURR

ED(5

+6)-7

PRO

FIT

OR

(LO

SS)

(4-1

2)

PRO

FIT

OR

(LO

SS)

PER

CEN

T

1,1

15,0

8�

�,6

90,7

01

�,8

5�,5

91

1,1

21,4

16

5,2

41,�

22

16,

896,

197

487

,0�8

2,6

18,6

20

15,

210,

��2

6,1

4�,9

09

5,0

27,4

74

�,5

69,5

98

�,2

21,0

41 - - -

7,�

55,8

05

�,0

71,6

50

4,0

51,0

92

7,7

41,1

85

�,�

49,0

75

258

,115

5,1

11,5

52

99,

1�4,

796 - -

99,

1�4,

796

$$

$%

2,7

04,9

77

(10,

22�,

581)

1,�

98,8

�1

(1,0

10,8

87)

4,5

64,7

7�

(2,0

48,8

15)

597

,88�

6�0

,884

21,

85�,

462

(2,7

48,8

97)

2,7

59,�

79

(�,2

99,1

96)

169

,06�

-

22,

9�6

�,6

�1,9

12

(1,1

01,7

55)

(1,4

02,0

8�)

1,1

19,1

16

111

,602

(1,0

87,9

45)

(258

,115

)

10,

144,

769

26,

528,

�1� - -

26,

528,

�1�

25.

51

(78.

1�)

2.9

8 -

18.

04

(4.0

�)

22.

64

8.0

7

21.

62

(28.

16)

5.6

0

(27.

82)

1.�

9 - -

18.

90

(8.6

1)

(18.

96)

9.6

0

0.6

0

(1�.

20) -

16.

62

(27.

��) - -

(27.

��)


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F O

THER

TH

AN

LO

NG

TER

M O

R M

OTO

R IN

SURA

NCE

- 20

05

TABL

E XV

1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25 26 1 2

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gene

ral In

sura

nce

Co. (

T&T)

Ltd.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Brtis

h-Am

erica

n In

sura

nce

Co. T

rinid

ad Lt

d.

Capi

tal In

sura

nce

Ltd.

Citiz

en In

sura

nce

Com

pany

Ltd.

Colo

nial

Fire

& G

ener

al In

sura

nce

Co. L

td.

Expo

rt Im

port

Bank

of T

rinid

ad an

d To

bago

Co.

Ltd.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

GTM

Fire

Insu

ranc

e Co

mpa

ny Lt

d

Guar

dian

Gen

eral

Insu

ranc

e Li

mite

d

Guar

dian

Life

of t

he C

arib

bean

Ltd.

Gulf I

nsur

ance

Ltd.

Mar

itim

e Ge

nera

l Insu

ranc

e Co

mpa

ny Lt

d.

Meg

a Ins

uran

ce C

ompa

ny Lt

d

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd.

N.E.

M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Ltd

The

Good

will

Gen

eral

Insu

ranc

e Co

mpa

ny Lt

d.

The

Grea

t Nor

ther

n In

sura

nce

Com

pany

Ltd.

The

Mou

ntai

n Ge

nera

l Insu

ranc

e Co

mpa

ny Lt

d.

The

New

Indi

a Ass

uran

ce C

ompa

ny (T

&T) L

td.

The

Rein

sura

nce

Com

pany

of T

&T Lt

d.

The W

este

rn G

ener

al In

sura

nce

Com

pany

Ltd.

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Sagi

cor L

ife In

c.

Unite

d In

sura

nce

Com

pany

Ltd

TOTA

L

GRAN

D TO

TAL

UN

EARN

ED

PREM

IUM

RESE

RVE

COM

MIS

SIO

NS

RECE

IVED

TRA

NSF

ER F

ROM

PRO

FIT

& LO

SSA

CCO

UN

T

FUN

D A

T TH

E BE

GIN

NIN

G

OF

YEA

R

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

PREM

IUM

S

REVE

NU

E

NET

IN

TERE

STO

THER

P&L

EXPE

ND

ITU

RE

TOTA

LEX

PEN

SES

OF

MA

NA

GEM

ENT

COM

MIS

SIO

NS

RESE

RVE

FOR

UN

EARN

EDPR

EMIU

M

OTH

ERP&

L

FUN

D A

TAT

EN

D O

F YE

AR $

19,

287,

87�

2,5

46,1

72

262

,264

29,

172

59,

470

1�,

�00,

�95 -

52�

,676

�,7

�1,1

�0

19,

2�8,

496 -

1,9

69,0

47

4,�

51,9

07 -

No

acco

unts

48,

698 -

4,8

96,2

�5

11,

0�1,

084

No

acco

unts

17,

2�9

No

acco

unts

1,1

27,�

1�

41�

,877

-

12,

141,

598

94,

975,

646

2,9

62,1

99

2,6

�6,8

24

5,5

99,0

2�

100

,574

,669

16,

124,

018

1,6

00,8

�7 - - -

5,4

�0,4

84

62,

688

146

,258

�,2

9�,�

84

48,

694,

�55

12,

718,

808

7,�

99,8

97

7,6

48,8

�7 -

subm

itted

-

1,1

77,2

26

459

,644

�,1

97,1

67

subm

itted

56,

250

subm

itted

1,1

40,7

9�

1,8

24,2

80

400

22,

987,

885

1��

,96�

,210

7,6

56,�

00

2,0

8�,2

22

9,7

�9,5

22

14�

,702

,7�2

11,

978,

�60

1,1

18,4

22 -

59,

651 -

14,

821,

68� -

901

,26�

�,9

22,5

0�

19,

402,

677 -

1,0

11,0

71

7,5

18,2

67 -

608

,695

- -

8,4

9�,5

1�

16,

629

2,6

64,8

10

�,2

75,8

71 -

7,2

42,6

27

8�,

0�6,

04�

1,1

07,9

�5

5,4

79,2

55

6,5

87,1

90

89,

62�,

2��

51,

221,

990

5,8

82,8

77

186

,�15

55,

�84

111

,526

72,

875,

5�9

2,2

90,2

62

852

,72�

5,8

22,8

21

65,

642,

650

152

,270

,728

2,8

87,4

05

5,�

87,4

41 -

505

,64�

-

15,

106,

127

16,

958,

182

54,

66�

1,8

24,7

60

4,8

58,1

64 -

29,

190,

140

4��

,985

,�40

�7,

748,

818

8,0

17,�

84

45,

766,

202

479

,751

,542

(54

,4��

) -

15,

00� -

1,7

72

1,4

94,0

09

(1,1

7�,6

8�)

86,

59�

�95

,208

1,5

98,7

50 -

528

,925

1,0

2�,7

�0 -

1,8

15,5

8�

18,

995 -

1,8

24,0

20

�,7

66 - - -

7,0

78,1

10

14,

656,

�49 -

1,7

18,1

5�

1,7

18,1

5�

16,

�74,

502

6,7

50,�

19 -

(1�,

106) - - -

206

,878

-

2,7

2�,9

50

28,

150

679

,725

- - - - - - - - - - - -

10,

�75,

916 - - -

10,

�75,

916

-

8,0

99,5

20

2,5

86,4

12 - -

560

,197

-

�67

,098

-

1,1

47,0

8� - -

1,2

61,6

96 - -

8,1

1� -

1,6

69,4

74 -

1,1

49,1

�1

�,1

��,6

02 - -

19,

982,

�26

1,8

69,�

08 -

1,8

69,�

08

21,

851,

6�4

20,

271,

�52

2�4

,6�9

1,9

5�,1

12 -

�8,

581

55,

069,

979

(467

,41�

)

475

,126

2,�

2�,1

1�

28,

086,

697

78,

75�,

995

79�

,110

2,1

18,�

75 - -

�4,

074

8,1

76,2

69

7,1

04,0

�1 -

892

,581

2,2

56,1

�9 -

1�,

956,

085

222,

069,

845

27,

001,

9�0

2,5

26,7

80

29,

528,

710

251,

598,

555

2

1,88

2,60

2

1,0

�1,�

69

215

,44�

19,

510

95,

005

14,

60�,

256 -

550

,�52

4,4

17,�

66

20,

460,

�12

10,

620,

898

1,7

57,�

94

4,1

87,9

46 -

4�,

449 -

6,0

�0,2

47

10,

862,

575

25,

507

1,1

60,5

�0

1,4

27,7

75 -

9,2

09,1

52

108

,600

,689

5,�

98,8

4�

�,�

65,2

�4

8,7

64,0

77

117

,�64

,766

1�,

��,

986

1,�

5�,0

17

156

,404

�62

1,0

48

14,

760,

�06 -

721

,470

2,7

46,7

21

22,

�12,

421

�8,

520,

956

1,�

49,6

99

4,0

87,1

�1 -

9,5

�6 -

1,7

55,8

62

4,6

46,1

�2

10,

260

1,6

20,7

12

1,6

57,7

99 -

4,6

42,5

45

11�

,686

,�67

�,�

99,0

62 -

�,�

99,0

62

117

,085

,429

10

,714

,455

2,0

76,0

19

711

,929

-

9,2

65

14,

78�,

9�8 -

9�7

,465

4,4

58,7

�1

21,

865,

44�

8,1

4�,6

�6

1,7

48,0

74

5,7

46,4

6� - -

1,0

6� -

9,�

89,8

77

26,

��

�,�

29,5

42

�,2

08,1

�0 -

5,�

86,0

90

92,

5�6,

45�

�,5

11,7

9�

1,7

52,4

27

5,2

64,2

20

97,

800,

67�

105

,�08

,128

19,

247,

828

�,0

�6,8

88

144

,207

172

,768

108

,482

,�07

1,�

86,1

45

2,8

77,6

11

19,

888,

996

155

,752

,160

165

,669

,261

1�,

796,

�45

27,

191,

878 -

2,9

78,6

20

1,2

04,�

�4

20,

462,

006

4�,

17�,

440

148

,547

7,9

06,8

07

1�,

505,

794

400

78,

640,

�60

790

,974

,8�0

51,

�44,

560

19,

9�4,

8�8

71,

279,

�98

862

,254

,228

15,

288,

444

960

,457

- - -

�,7

52,9

57

206

,�81

151

,487

2,�

08,9

�5

49,

864,

276

12,

98�,

478

�,9

20,4

2�

9,0

09,2

75 - -

1,0

20,2

�1

2,4

72,9

52

6,1

84,8

�6

56,

250

87�

,664

�,8

9�,2

82

400

20,

701,

851

1��

,649

,579

-

�,5

81,8

6�

�,5

81,8

6�

1�7

,2�1

,442

6

,6�4

,76�

- - - - - - - - -

6,9

04,0

21 - - - - - -

80,

1�1 - - - - -

1�,

618,

915 - - -

1�,

618,

915

$$

$$

$$

$$

$$

$$

$

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

TRA

NSF

ER T

OPR

OFI

T &

LOSS

ACC

OU

NT

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

TOTA

L

$

105

,�08

,128

6,6

5�,1

2�

�,0

�6,8

88

144

,207

172

,768

108

,482

,�07

1,�

86,1

45

2,8

77,6

11

19,

888,

996

155

,752

,160

165

,669

,261

1�,

796,

�44

27,

191,

878 -

2,9

78,6

20

1,2

04,�

�4

20,

462,

006

4�,

17�,

440

148

,547

7,9

06,8

07

1�,

505,

794

400

78,

640,

�60

778

,�80

,12�

51,

�44,

560

19,

9�4,

8�8

71,

279,

�98

849

,659

,521

$ 1

7,18

2,52

6

997

,620

-

124

,��5

28,

869

5,5

11,8

71

1,6

47,1

77

41,

711

�,6

�4,1

�0

1�,

16�,

012

9,7

42,2

78

4,2

27,6

44

2,0

42,6

88 -

2,9

25,6

�5

148

,965

2,0

26,6

76

4,9

05,8

58

�0,

197

29,

778

1,0

62,6

69 -

24,

744,

6�7

94,

218,

276

12,

0�2,

9�2

8,7

08,5

�4

20,

741,

466

114

,959

,742


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F PR

OPE

RTY

INSU

RAN

CE -

2005

TABL

E XV

I

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 1

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T)

Ltd.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Briti

sh-A

mer

ican

Insu

ranc

e Co

. Trin

idad

Ltd

.

Capi

tal I

nsur

ance

Ltd

.

Citiz

en In

sura

nce

Com

pany

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

GTM

Fire

Insu

ranc

e Co

. Ltd

.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gul

f Ins

uran

ce L

td.

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Sagi

cor G

ener

al In

sura

nce

Inc.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

The

Beac

on In

sura

nce

Com

pany

Ltd

The

Goo

dwill

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Rein

sura

nce

Com

pany

of T

&T L

td.

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

imite

d

TOTA

L

GRA

ND

TOTA

L

REVE

NU

EEX

PEN

DIT

URE

UN

EARN

ED

PREM

IUM

RESE

RVE

$$

$

PREM

IUM

STR

AN

SFER

FR

OM

PRO

FIT

& LO

SSA

CCO

UN

T

4,1

24,8

19

(154

,554

)

51,

189

28,

182

50,

8�8

5,5

50,9

55

228

,576

2,5

19,4

86

5,7

14,1

�2

1,�

26,9

�6

2,0

4�,8

82

No

acco

unts

-

2,5

�7,�

72 -

2,2

76,1

27

No

acco

unts

15,

062

No

acco

unts

919

,654

(8,0

27)

5,1

60,2

�9

�2,

�84,

868

789

,�29

789

,�29

��,

174,

197

�,1

�1,7

5�

784

,68�

- - -

2,7

��,4

�5

10�

,095

1,2

9�,7

8�

7,0

0�,1

07

4,�

5�,7

07

�,8

60,�

54

subm

itted

-

156

,260

47�

,�48

651

,810

subm

itted

56,

250

subm

itted

282

,671

71,

508

�,7

�8,2

�8

28,

694,

002

771

,949

771

,949

29,

465,

951

9,4

45,2

81

191

,070

(111

,681

)

47,

097

45,

192

7,4

57,7

�1

217

,060

�,�

25,8

42

17,

677,

54�

2,2

�0,8

47

2,7

24,6

5� -

5,2

04,9

28 -

�,8

94,6

16

5�,

�42

1,4

2�,6

60

�54

,995

4,9

95,4

79

59,

177,

655

�,0

05,7

86

�,0

05,7

86

62,

18�,

441

9,0

80,1

24

1,0

57,9

8� -

56,

266 -

1�,

406,

87�

876

,448

�,�

64,7

0�

14,

782,

012

848

,108

6,8

�6,9

22 - - -

�,8

�8,7

�0

16,

629

2,6

59,4

75

1,1

�0,1

55

5,4

92,1

�9

6�,

446,

567

5,1

7�,5

1�

5,1

7�,5

1�

68,

620,

080

- -

2,9

8� -

719

1,0

6�,1

74

4�,

12�

214

,5�9

260

,987

408

,574

517

,74�

- -

7,6

�8

418

,904

�,5

89 - -

�,4

75,8

01

6,4

17,7

7�

1,2

81,2

26

1,2

81,2

26

7,6

98,9

99

4,5

97,8

41 -

(2,6

06) - - - -

1,4

77,6

15

27,

�49 - - - - - - - - - -

6,1

00,1

98 - -

6,1

00,1

98

- -

452

,005

- - -

�67

,098

- - - - - - - - -

1,1

04,2

91

1,�

89,2

4� -

�,�

12,6

�7 - -

�,�

12,6

�7

�

0,�7

9,81

8

1,8

79,1

82

�91

,890

1�1

,545

96,

749

�0,

212,

168

1,8

�5,4

00

12,

195,

968

45,

465,

128

9,1

68,1

72

15,

98�,

554 -

7,8

98,5

60

480

,986

11,

080,

187

144

,872

6,�

89,7

51

2,9

�7,8

74

22,

861,

896

199

,5��

,701

11,

021,

80�

11,

021,

80�

210

,555

,504

6,1

41,1

22

544

,411

70,

451

�62

1,0

48

8,4

08,1

62

612

,148

2,1

62,8

07

12,

��5,

609

1,2

17,�

92

�,5

29,5

82 -

724

,552

-

2,�

82,7

8�

10,

260

1,5

80,2

51

874

,121

�,0

�0,6

28

4�,

625,

689 - -

4�,

625,

689

6,4

71,8

29

548

,460

-

11�

,929

(1,4

�5)

�,�

76,6

91 -

1,7

87,9

�4

�22

,906

2,4

62,2

47

550

,9�9

-

(�,0

40,7

12)

20,

061

850

,�40

28,

62� - -

7,6

44,7

79

21,

1�6,

591

6,7

�2,6

85

6,7

�2,6

85

27,

869,

276

4

,781

,14�

2�6

,055

2�,

966

17,

254

62,

871

6,�

55,�

62

158

,595

�,0

50,8

96

6,7

40,5

59

1,�

28,�

50

1,9

21,2

25 -

2,�

09,5

84 -

2,2

88,0

�6

24,

645

909

,��9

�66

,717

4,�

28,9

57

�4,

90�,

554

1,1

80,2

27

1,1

80,2

27

�6,

08�,

781

�,0

46,0

72

865

,008

214

,002

-

9,2

65

7,2

�7,7

08

790

,457

�,�

18,7

57

10,

994,

4�2

1,�

50,�

18

4,7

05,4

6� - -

1,0

6�

2,1

56,4

79

25,

094

�,2

12,2

60

585

,755

2,6

44,9

12

41,

157,

045

1,�

06,7

85

1,�

06,7

85

42,

46�,

8�0

2,4

�8,0

�1 - - - - - - - - - - - - -

18,

40� - - - -

2,4

56,4

�4 - -

2,4

56,4

�4

�,

920,

100

97,

�26

8�,

471 -

25,

000

�,4

75,4

18

164

,994

1,0

40,2

90

10,

��2,

106

627

,72�

1,�

42,5

60 -

6,5

90,9

1�

2,5

48

1,7

�8,8

74 -

497

,865

178

,080

1,6

51,6

85

�1,

768,

95�

75�

,59�

75�

,59�

�2,

522,

546

�,5

81,5

22

274

,94�

- - -

1,�

58,8

27

109

,206

8�5

,284

4,7

�9,5

17

2,1

82,1

�9

�,9

��,7

85 -

1,�

14,2

2�

457

,�1�

1,6

45,2

72

56,

250

190

,0�6

9��

,201

�,5

60,9

�5

25,

172,

454

1,0

48,5

1�

1,0

48,5

1�

26,

220,

967

FUN

D A

T TH

E BE

GIN

NIN

GO

F YE

AR

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

COM

MIS

SIO

NS

RECE

IVED

NET

INTE

REST

OTH

ERTO

TAL

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

EXPE

NSE

S O

F M

AN

AG

EMEN

T

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

COM

MIS

SIO

NS

TRA

NSF

ER T

OPR

OFI

T &

LOSS

ACC

OU

NT

RESE

RVE

FOR

UN

EARN

ED

PREM

IUM

TOTA

LO

THER

FUN

D A

T EN

D O

F YE

AR

$$

�0,

�79,

819

2,5

66,2

04

�91

,890

1�1

,545

96,

749

�0,

212,

168

1,8

�5,4

00

12,

195,

968

45,

465,

128

9,1

68,1

69

15,

98�,

554 -

7,8

98,5

60

480

,985

11,

080,

187

144

,872

6,�

89,7

51

2,9

�7,8

74

22,

861,

896

200,

220,

720

11,

021,

80�

11,

021,

80�

211,

242,

52�

$$

$$

$$

$$

$$

$


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F M

ISCE

LLA

NEO

US

GEN

ERA

L IN

SURA

NCE

- 20

05

TABL

E XV

II

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 1 2

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T) L

td.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Briti

sh-A

mer

ican

Insu

ranc

e Co

. Trin

idad

Ltd

.

Capi

tal I

nsur

ance

Ltd

.

Citiz

en In

sura

nce

Com

pany

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

Expo

rt Im

port

Ban

k of

Trin

idad

and

Toba

go C

o. L

td.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

Gul

f Ins

uran

ce L

td

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

GTM

Fire

Insu

ranc

e Co

. Ltd

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Ltd

.

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Rein

sura

nce

Com

pany

of T

rinid

ad &

Toba

go L

td.

Trin

idad

and

Toba

go In

sura

nce

Ltd.

TOTA

L

CARI

BBEA

N

Sagi

cor L

ife In

c.

Uni

ted

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

GRA

ND

TOTA

L

REVE

NU

EEX

PEN

DIT

URE

$

FUN

D A

T TH

EBE

GIN

NIN

G O

F YE

AR

UN

EARN

ED

PREM

IUM

RESE

RVE

PREM

IUM

STR

AN

SFER

FR

OM

PRO

FIT

& LO

SSA

CCO

UN

T

16,1

�2 -

21,

776

642

8,6

�2

244

,8�7

-

859

-

�,2

54,7

67

66,

602

1,4

62,2

12

No

acco

unts

48,

698 -

1,�

09,9

75

1,6

25,�

08

1,0

09

No

acco

unts

(50)

�,8

49

�68

,�59

8,4

��,6

07

2,9

62,1

99

42,

66�

�,0

04,8

62

11,

4�8,

469

21,

�47 - - - -

1,0

92,4

�9

62,

688

1,2

00 -

�,�

�8,0

12

90,

046

922

,424

subm

itted

-

416

,468

18�

,1�5

15,

024 -

subm

itted

- -

181

,059

6,�

2�,8

42

7,6

56,�

00

61,

188

7,7

17,4

88

14,

041,

��0

27,

157

4,6

67,9

47

(257

,101

)

�,8

54

66,

��4

1,0

25,9

97

2,2

90,2

62

12,

150 -

14,

�14,

888

286

,770

427

,642

505

,64�

-

�,9

17,8

16

1,0

1�,0

90

489

-

264

,211

2,0

75,9

18

�0,

64�,

067

�7,

748,

818

195

,4�0

�7,

944,

248

68,

587,

�15

1,1

68,1

69 - -

1,0

49 -

674

,255

- - -

1,5

90,9

78

21�

,955

285

,7�8

608

,695

- -

1,7

50,5

�9 - -

151

,617

-

6,4

44,9

96

1,1

07,9

�5

192

,085

1,�

00,0

20

7,7

45,0

16

- -

1,4

77 -

1,0

5�

46,

894

(1,1

7�,6

8�)

277

-

149

,280

8,8

1�

81,

261

1,8

15,5

8�

6,7

20 -

108

,968

88 - -

209

,109

1,2

55,8

40 -

5�,

4�5

5�,

4�5

1,�

09,2

75

174

,510

-

(1,2

90) - - -

206

,878

- -

147

60,

699 - - - - - - - - -

440

,94�

- - -

440

,94�

- -

764

,496

- - - - - - - - - -

8,1

1� - - - -

145

,084

-

917

,69�

1,8

69,�

08 -

1,8

69,�

08

2,7

87,0

01

144

,521

922

,675

451

,921

- -

�19

,2�6

-

2,2

79 -

2,5

29,0

72

240

,749

114

,884

- - -

560

,956

619

-

164

,006

159

,122

5,6

10,0

40

24�

,�68

54,

501

297

,869

5,9

07,9

09

17,

�45 -

16,

477

1,0

5�

�2,

1�4

42�

,282

- - -

2,7

�0,4

17

158

,2�5

1,4

24,5

07

4�,

449 -

2,0

48,6

02

1,8

4�,5

84

282

(50)

1�0

,665

89,

1�1

8,9

59,1

1�

1,7

78,1

40

78,

876

1,8

57,0

16

10,

816,

129

1

9,75

9 - - - -

646

,085

206

,�81

- -

�,8

�5,9

86

97,

�72

582

,472

-

�99

,775

484

,464

47,

9�8 - -

7,6

09

1�9

,680

6,4

67,5

21 -

166

,211

166

,211

6,6

��,7

�2

222

,762

- - - - - - - - - - - - - -

4,7

87 - - - -

227

,549

- - -

227

,549

54

7,85

7 - -

4,4

92

�0,

�04

1,2

7�,9

79

1,6

47,1

77

6,5

25 -

7,2

41,6

77

81,

687

871

,11�

2,9

25,6

�5 -

2,0

12,8

76

1,5

09,5

96

685

-

27,

9�6

1,5

45,0

76

19,

726,

615

219

,755

210

,958

4�0

,71�

20,

157,

�28

(42,

969) -

47,

829 -

1�,

581

8�,

�11

(467

,41�

)

5,1

52 -

�,1

1�,4

�6

10,

876

4�,

277 -

�1,

526

646

,474

75,

�49 - -

��,

�59

697

,7�6

4,2

91,5

24

452

,510

�4,

255

486

,765

4,7

78,2

89

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

COM

MIS

SIO

NS

RECE

IVED

NET

INTE

REST

DIV

IDEN

DS

&RE

NT

OTH

ER

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

EXPE

NSE

S O

F M

ANAG

EMEN

T

COM

MIS

SIO

NS

TOTA

LRE

SERV

E FO

RU

NEA

RNED

PR

EMIU

M

OTH

ER

FUN

D A

T EN

D O

F YE

AR

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

49

8,0�

9

697

,177

1�,

1�1 - -

��8

,529

-

5�0

-

�,1

97,4

8�

1�7

,966

14�

,024

9,5

�6 -

218

,510

470

,719

- -

201

,186

20�

,700

6,1

29,5

�0

820

,989

-

820

,989

6,9

50,5

19

$$

$$

$$

$$

$$

$$

$

TOTA

L

1,

407,

�15

4,6

67,9

47

529

,�58

5,5

45

76,

019

�,0

84,4

22

1,�

86,1

45

14,

486 -

22,

648,

072

726

,885

�,1

79,2

77

2,9

78,6

20

4�1

,�01

5,4

10,9

26

4,5

12,9

29

1,5

86

(50)

564

,761

2,8

�4,4

45

54,

459,

987

51,

�44,

560

544

,801

51,

889,

�61

106

,�49

,�48

$

TRA

NSF

ER T

OPR

OFI

T &

LO

SSA

CCO

UN

T

1

9,75

9 - - - -

646

,085

206

,�81

- -

�,8

�5,9

86

97,

�72

582

,472

-

�99

,775

484

,464

47,

9�8 - -

7,6

09

1�9

,680

6,4

67,5

21 -

166

,211

166

,211

6,6

��,7

�2


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F LI

ABI

LITY

INSU

RAN

CE -

2005

TABL

E XV

III

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 1

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T)

Ltd.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Capi

tal I

nsur

ance

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

GTM

Fire

Insu

ranc

e Co

. Ltd

.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Gul

f Ins

uran

ce L

td.

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Ltd

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

GRA

ND

TOTA

L

REVE

NU

EEX

PEN

DIT

URE

$

FUN

D A

T TH

EBE

GIN

NIN

G O

F YE

AR

UN

EARN

ED

PREM

IUM

RESE

RVE

PREM

IUM

STR

AN

SFER

FR

OM

PRO

FIT

& LO

SSA

CCO

UN

T

765

,914

2,7

00,0

91

�48

1,8

22,4

11

281

,011

1,1

05,4

49

10,

�7�,

719

62�

,446

807

,��2

No

acco

unts

- -

1,0

15,9

09

�,0

24,9

04

1,1

68

No

acco

unts

20�

,952

5,5

88,5

48

28,

�14,

202

1,7

60,6

81

1,7

60,6

81

�0,

074,

88�

�,8

27,2

�9

816

,154

-

1,4

15,4

42

41,

96�

1,8

62,6

81

�8,

178,

874

2,�

66,�

�4

2,0

�7,7

41

subm

itted

-

287

,410

120

,249

1,6

01,�

55 -

subm

itted

855

,900

15,

871,

084

69,

282,

426

1,1

99,4

09

1,1

99,4

09

70,

481,

8�5

2,0

69,8

5�

798

,628

1,4

��

4,2

69,�

84

590

,591

2,1

4�,0

6�

�2,

981,

681

779

,�15

1,5

86,4

44 - -

4,6

74,8

40

4,1

22,6

89

8�2

�9�

,986

7,�

1�,6

54

61,

726,

�9�

4,5

6�,0

�5

4,5

6�,0

�5

66,

289,

428

8�6

,750

-

588

587

,246

24,

815

�28

,�62

1,6

�8,9

18

95,

155

4�,

225 - - -

197

,184

- -

1,0

10,8

2�

4,7

6�,0

66

11�

,657

11�

,657

4,8

76,7

2�

- - -

�49

,046

41,

426

166

,990

1,1

75,�

05

142

,798

�01

,459

-

4,6

�7 -

44�

,4�6

89 -

1,6

24,1

�1

4,2

49,�

17

�68

,�72

�68

,�72

4,6

17,6

89

172

,657

- - - -

1,1

50,1

29

6�0

- - - - - - - - -

1,�

2�,4

16 - -

1,�

2�,4

16

-

8,0

99,5

20 -

560

,197

- - - -

1,2

14,�

7� - - -

201

,014

-

�9,

25� -

10,

114,

�57 - -

10,

114,

�57

5��

,105

2�0

,669

-

2,�

76,1

82

1�7

,892

857

,2�2

7,4

16,9

17

471

,941

517

,1�7

- - -

2,2

82,7

64

620

109

,�82

1,2

�5,8

8�

16,

169,

724

�75

,720

�75

,720

16,

545,

444

985

,265

794

,665

579

2,�

57,4

�4

�76

,696

1,1

70,5

46

11,

109,

45�

495

,717

80�

,621

- -

1,5

64,6

24

�,0

40,7

�2

580

247

,851

�,7

41,8

01

26,

689,

564

1,9

91,2

67

1,9

91,2

67

28,

680,

8�1

4,�

�5,9

20

685

,514

-

1,5

58,5

70

42,

281

1,�

66,1

55

40,

588,

94�

1,5

74,�

40

�,7

67,�

49 -

16�

,14�

564

,879

2,9

1�,9

19 -

672

,406

14,

166,

459

72,

�99,

878

2,�

�6,4

62

2,�

�6,4

62

74,

7�6,

�40

69,

869 - - - - - - - - - - -

19,

480 - - -

89,

�49 - -

89,

�49

185

,012

449

,090

1,7

90

509

,969

9,7

51

1,6

8�,0

�4

5,5

98,4

28

1,1

80,7

55 - -

128

,904

2,�

20,0

�6 -

889

29,

688

6,6

95,8

44

18,

79�,

190

1,5

68,4

69

1,5

68,4

69

20,

�61,

659

9�8

,760

1�7

,�1�

-

1,4

12,2

81

�04

,980

1,2

48,0

41

14,

009,

469

164

,547

66�

,97�

- -

841

,899

81�

,�59

-

�94

,574

4,4

87,�

28

25,

416,

525

1,7

��,2

�6

1,7

��,2

�6

27,

149,

761

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

COM

MIS

SIO

NS

RECE

IVED

NET

INTE

REST

OTH

ER

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

EXPE

NSE

S O

F M

ANAG

EMEN

T

COM

MIS

SIO

NS

TOTA

LRE

SERV

E FO

RU

NEA

RNED

PR

EMIU

M

OTH

ER

FUN

D A

T EN

D O

F YE

AR

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

624

,481

107

,654

-

789

,290

108

,206

4�1

,666

5,6

25,9

15

119

,750

2�8

,494

- -

519

,560

520

,�28

-

�9,

190

1,0

80,9

26

10,

205,

460 - -

10,

205,

460

$$

$$

$$

$$

$$

$$

$

TOTA

L

7,

672,

41�

12,

414,

�9�

2,�

69

9,0

0�,7

26

979

,806

6,7

56,6

74

84,

�49,

126

4,0

07,0

48

5,9

90,5

74 -

292

,047

5,8

10,9

98

9,5

90,5

82

2,0

89 -

1,4

9�,0

91

�1,

408,

240

179

,77�

,176

8,0

05,1

54

8,0

05,1

54

187

,778

,��0

$

TRA

NSF

ER T

OPR

OFI

T &

LO

SSA

CCO

UN

T

7,6

72,4

1�

2,4

04,9

05

2,�

69

9,0

0�,7

26

979

,806

6,7

56,6

74

84,

�49,

126

4,0

07,0

50

5,9

90,5

74 -

292

,047

5,8

10,9

98

9,5

90,5

82

2,0

89 -

1,4

9�,0

91

�1,

408,

240

169

,76�

,690

8,0

05,1

54

8,0

05,1

54

177

,768

,844


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F PE

RSO

NA

L AC

CID

ENT

INSU

RAN

CE -

2005

TABL

E XI

X

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 1

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny(T

&T) L

td.

Briti

tsh-

Amer

ican

Insu

ranc

e Co

mpa

ny (T

rinid

ad) L

td

Capi

tal I

nsur

ance

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

GTM

Fire

Insu

ranc

e Co

. Ltd

.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Meg

a In

sura

nce

Com

pany

Ltd

.

Nat

ionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Ltd

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

Trin

idad

and

Toba

go In

sura

nce

Ltd.

The

Wes

tern

Gen

eral

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

GRA

ND

TOTA

L

REVE

NU

EEX

PEN

DIT

URE

$

FUN

D A

T TH

EBE

GIN

NIN

G O

F YE

AR

UN

EARN

ED

PREM

IUM

RESE

RVE

PREM

IUM

STR

AN

SFER

FR

OM

PRO

FIT

& LO

SSA

CCO

UN

T

1�,

241,

989 - -

89,

�60

2�9

4,4

59 -

1,6

2� -

No

acco

unts

-

4,2

68

2,1

01,6

95

22�

28,

98� -

15,

472,

8�9

�,0

02

�,0

02

15,

475,

841

2,5

47,6

75 - -

17,

167 - - - - -

subm

itted

- -

65�

,895

-

9,8

05

400

�,2

28,9

42

8�9

8�9

�,2

29,7

81

25,

88�,

662 -

�,0

00

��2

,22�

1,6

26

5,0

74 -

17,

915 - -

64,

104

5,1

�7,9

28

�75

8�,

748 -

�1,

529,

655

22,

454

22,

454

�1,

552,

109

89�

,�17

-

1,7

48 - -

6,�

47 -

9�,

��1 - - - 9

281

25,

851 -

1,0

20,8

84 - -

1,0

20,8

84

- - -

17,

115

�5

252

-

�,4

04 - - -

552

,6�5

-

17,

177 -

590

,618

1,�

75

1,�

75

591

,99�

1,2

87,5

9� - - - -

�,7

29 - - - - - - - - -

1,2

91,�

22 - -

1,2

91,�

22

- - - - - - -

47,

�2� - - -

1,4

68,4

60 - - -

1,5

15,7

8� - -

1,5

15,7

8�

�,9

77,0

20 - -

116

,51�

284

12,

867 -

151

,120

- - -

2,8

44,9

11

416

1�,

071 -

7,1

16,2

02

1,4

02

1,4

02

7,1

17,6

04

15,

�96,

178 -

624

127

,840

-

2,5

29 -

9,1

00 - -

17,

�7�

1,8

98,6

6�

22�

22,

5�0 -

17,

475,

060

8,2

51

8,2

51

17,

48�,

�11

1,7

80,0

1� - -

17,

474 - - - - - - -

5�4

,�05

-

8,6

26

400

2,�

40,8

18

65�

65�

2,�

41,4

71

�,8

46,7

08 - - - - - - - - - -

24,

278 - - -

�,8

70,9

86 - -

�,8

70,9

86

9,1

22,5

98 -

4,1

24

101

,�6�

1,�

72

1,0

1� - - - -

4�,

142 -

90

107

,176

-

9,�

80,8

78

17,

�64

17,

�64

9,�

98,2

42

5,5

47,8

52 - -

2,�

74 - - - - - - -

4,2

6�,4

70 -

1,0

71 -

9,8

14,7

67 - -

9,8

14,7

67

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

COM

MIS

SIO

NS

RECE

IVED

NET

INTE

REST

OTH

ER

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

EXPE

NSE

S O

F M

ANAG

EMEN

T

COM

MIS

SIO

NS

TOTA

LRE

SERV

E FO

RU

NEA

RNED

PR

EMIU

M

OTH

ER

FUN

D A

T EN

D O

F YE

AR

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

4,1

8�,8

67 - -

90,

�01

244

�,4

52 -

�,�

76 - -

7,8

57

�48

,995

150

1�,

090 -

4,6

51,�

�2 - -

4,6

51,�

�2

$$

$$

$$

$$

$$

$$

$

TOTA

L

4�,

854,

2�6 -

4,7

48

455

,865

1,9

00

19,

861 -

16�

,596

- -

68,

�72

9,9

14,6

22

879

165

,564

400

54,

650,

04�

27,

670

27,

670

54,

677,

71�

$

TRA

NSF

ER T

OPR

OFI

T &

LO

SSA

CCO

UN

T

4�,

854,

2�6 -

4,7

48

455

,865

1,9

00

19,

861 -

16�

,596

- -

68,

�72

9,9

14,6

22

879

165

,564

400

54,

650,

04�

27,

670

27,

670

54,

677,

71�


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F G

ROU

P H

EALT

H IN

SURA

NCE

- 20

05IN

COM

E

TABL

E XI

XA

1 2 � 4 1 2

LOC

AL

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

imite

d

Trin

idad

and

Toba

go In

sura

nce

Ltd.

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos

Sagi

cor L

ife In

c.

TOTA

L

GRA

ND

TO

TAL

COM

PAN

IES

COM

PAN

IES

FUN

D A

T BE

GIN

NIN

G O

F YE

AR

$$

$$

$$

$

PAYM

ENT

OF

CLA

IMS

INCL

UD

ING

LEG

AL

AN

D M

EDIC

AL

EXPE

NSE

S

COM

MIS

SIO

NS

OTH

ERRE

SERV

E FO

RU

NEA

RNED

PREM

IUM

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

TOTA

LEX

PEN

SES

OF

MA

NA

GEM

ENT

UN

EARN

EDPR

EMIU

MRE

SERV

E

PREM

IUM

SCO

MM

ISSI

ON

RECE

IVED

NET

INTE

REST

OTH

ER

$$

$$

$$

$

1,1�

8,75

2

5,50

0,00

0 -

567,

620

7,20

6,�7

2 - -

7,20

6,�7

2

LOC

AL

OU

TSTA

ND

ING

CLA

IMS

RESE

RVE

TOTA

L

6,59

6,00

4 -

11,7

8�,�

11

1,71

2,91

�

20,0

92,2

28 - -

20,0

92,2

28

1�,7

96,0

�7

59,�

90,1

44

91,5

22,�

06

10,5

81,7

7�

175,

290,

260 - -

175,

290,

260

- - - - - - - -

(54,

4��) - -

1,06

4,2�

�

1,00

9,80

1 - -

1,00

9,80

1

517

,719

.26 -

679

,�6�

.4� -

1,1

97,0

82.6

9 - -

1,19

7,08

�

21,9

94,0

80

64,8

90,1

44

10�,

984,

980

1�,9

26,5

�9

204,

795,

74� - -

204,

795,

74�

EXPE

ND

ITIT

URE

FUN

D A

T BE

GIN

NIN

G O

F YE

AR

1 2 � 4 1 2

Am

eric

an L

ife a

nd G

ener

al In

sura

nce

Com

pany

(T

&T)

Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Gua

rdia

n Li

fe o

f the

Car

ibbe

an L

imite

d

Trin

idad

and

Toba

go In

sura

nce

Ltd

TOTA

L

CARI

BBEA

N

Life

of B

arba

dos

Sagi

cor L

ife In

c.

TOTA

L

GRA

ND

TO

TAL

9,90

7,60

9

50,0

78,1

5�

62,5

45,7

42

6,65

0,19

6

129,

181,

700 -

26,5

49,4

20

26,5

49,4

20

155,

7�1,

120

1,88

6,47

7

4,98

2,26

6

11,�

97,0

71

191,

870

18,4

57,6

84 -

2,57

8,07

�

2,57

8,07

�

21,0

�5,7

57

�,01

�,7�

7

4,61

�,25

9

6,96

9,51

2

809,

829

15,4

06,�

�7 -

�,26

8,42

5

�,26

8,42

5

18,6

74,7

62

57,�

1� -

6,40

0,02

8 -

6,45

7,�4

1 - - -

6,45

7,�4

1

702,

671

5,21

6,46

6 -

572,

�70

6,49

1,50

7 -

�,62

0,70

�

�,62

0,70

�

10,1

12,2

10

5,57

1,2�

0 -

10,5

44,�

19

1,7�

9,89

1

17,8

55,4

40 - - -

17,8

55,4

40

21,9

94,0

80

64,8

90,1

44

10�,

984,

980

1�,9

26,5

�9

204,

795,

74� -

47,8

29,7

98

47,8

29,7

98

252,

625,

541

TRA

NSF

ER F

ROM

PRO

FIT

& L

OSS

ACC

OU

NT

$

- - - - - - -

TRA

NSF

ER T

OPR

OFI

T &

LO

SSA

CCO

UN

T

$ 855,

04� -

6,12

8,�0

8

�,96

2,�8

�

10,9

45,7

�4 -

11,8

1�,1

77

11,8

1�,1

77

22,7

58,9

11


TABL

ESRE

VEN

UE

ACCO

UN

T IN

RES

PEC

T O

F M

ARI

NE

AVIA

TIO

N A

ND

TRA

NSP

ORT

INSU

RAN

CE -

2005

TABL

E XX

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 1

COM

PAN

IES

LOC

AL

REVE

NU

EEX

PEN

DIT

URE

$

FUN

D A

T TH

EBE

GIN

NIN

G O

F YE

AR

UN

EARN

ED

PREM

IUM

RESE

RVE

PREM

IUM

STR

AN

SFER

FR

OM

PRO

FIT

& LO

SSA

CCO

UN

T

OU

TSTA

ND

ING

CL

AIM

S RE

SERV

E

COM

MIS

SIO

NS

RECE

IVED

NET

INTE

REST

OTH

ER

PAYM

ENT

OF

CLA

IMS

INCL

UD

UN

GLE

GA

L A

ND

M

EDIC

AL

EXPE

NSE

S

EXPE

NSE

S O

F M

ANAG

EMEN

T

COM

MIS

SIO

NS

TOTA

LRE

SERV

E FO

RU

NEA

RNED

PR

EMIU

M

OTH

ER

FUN

D A

T EN

D O

F YE

AR

RESE

RVE

FOR

OU

TSTA

ND

ING

CLA

IMS

$$

$$

$$

$$

$$

$$

$

TOTA

L

$

TRA

NSF

ER T

OPR

OFI

T &

LO

SSA

CCO

UN

T

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny(T

&T) L

td.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d

GTM

Fire

Insu

ranc

e Co

. Ltd

.

Gul

f Ins

uran

ce L

td.

Gua

rdia

n G

ener

al In

sura

nce

Lim

ited

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Lim

ited

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Rein

sura

nce

Com

pany

of T

rinid

ad a

nd To

bago

Ltd

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

GRA

ND

TOTA

L

267

6�5

92,

8�2

12,

991

�5,

1�4

18,

665

(104

,122

)

�6,

858 - -

28,

711

2,0

0�,0

50

�,5

�4

7,7

20

427

,849

2,5

64,1

24

41,

149

41,

149

2,6

05,2

7�

- -

172

,001

-

46,

874

679

,856

174

,�62

828

,�18

- - -

275

,08�

2,2

22

64,

802

1,4

74,7

86

�,7

18,�

04

49,

8�7

49,

8�7

�,7

68,1

41

-

50

400

,060

�1,

296

62,

072

(122

,757

)

668

,5�9

6�0

,787

- -

1,2

44,4

�9

2,7

89,8

59

6,7

�9

41,

�69

4,1

�9,5

68

9,8

92,0

20

2�0

,679

2�0

,679

10,

122,

699

-

1�5

15�

,�09

-

9,1

�6

67,

808

1,�

90,7

69

259

,051

- - -

2,7

07,0

51

5,0

54

1,4

72,8

11

71�

,814

6,7

78,9

�8 - -

6,7

78,9

�8

- -

17,

780

1,7

�2

4,6

14

(22,

447)

1�,

179

119

,86�

- - -

�00

,077

- -

687

,659

1,1

22,4

57

1�,

745

1�,

745

1,1

�6,2

02

- - - -

�1,

778 -

24 - - - - - - - -

�1,

802 - -

�1,

802

- - - - - -

1,1

47,0

8� - - - - -

5,5

87

117

,674

-

1,2

70,�

44 - -

1,2

70,�

44

- -

121

,040

6,5

5�

29,

126

(74,

185)

925

,022

257

,859

- - -

1,5

44,7

67

7,4

84

597

,205

52�

,274

�,9

�8,1

45

14,

019

14,

019

�,9

52,1

64

-

650

122

,872

15,

061

�5,

160

(66,

67�)

(120

,118

)

29,

49� - -

90,

064

1,7

91,5

60

�,1

67

18,

�27

454

,�6�

2,�

7�,9

26

106

,61�

106

,61�

2,4

80,5

�9

- -

172

,001

-

10,

124

16�

,944

699

,8�0

725

,669

- -

109

,�86

1,0

4�,4

02

11,

222

�9

1,0

86,2

60

4,0

21,8

77

�0,

024

�0,

024

4,0

51,9

01

80 - - - - - - - - - -

1�,

18� - - -

1�,

26� - - -

1�,

26�

187

70

249

,869

24,

06�

80,

462

584

,642

-

620

,6�6

- -

691

,��4

2,5

45,9

22 -

1,0

�4,7

��

4,7

89,�

79

10,

621,

296

179

,058

179

,058

10,

800,

�54

- -

18,

442 -

2�,

906

840

6�1

,686

68,

565 - -

96,

98�

212

,979

142

6,8

82

468

,069

1,5

28,4

94

5,6

96

5,6

96

1,5

�4,1

90

- -

151

,758

�42

10,

8�0

12,

557

1,1

5�,4

14

172

,655

- -

285

,�8�

92�

,�07

1,1

21

47,

190

122

,��1

2,8

80,8

88 - -

2,8

80,8

88

267

820

8�5

,982

46,

019

189

,608

621

,125

�,2

89,8

�4

1,8

74,8

77 - -

1,2

7�,1

50

8,0

75,1

20

2�,

1�6

1,7

04,�

76

7,4

4�,6

76

25,

�77,

990

��5

,410

��5

,410

25,

71�,

400

267

720

8�5

,982

46,

019

189

,608

621

,125

�,2

89,8

�4

1,8

74,8

77 - -

1,2

7�,1

50

8,0

75,1

20

2�,

1�6

1,7

04,�

76

7,4

4�,6

76

25,

�77,

889

��5

,410

��5

,410

25,

71�,

299

$


TABL

ESU

ND

ERW

RITI

NG

RES

ULT

S IN

RES

PEC

T O

F PR

OPE

RTY

INSU

RAN

CE -

2005

TABL

E XX

I

1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 1

COM

PAN

IES

LOC

AL

Amer

ican

Life

and

Gen

eral

Insu

ranc

e Co

mpa

ny (T

&T)

Ltd.

Bank

ers I

nsur

ance

Com

pany

(T&T

) Ltd

.

Briti

sh -

Amer

ican

Insu

ranc

e Co

mpa

ny (

Trin

idad

) Lt

d

Capi

tal I

nsur

ance

Ltd

.

Citiz

en In

sura

nce

Com

pany

Ltd

Colo

nial

Fire

& G

ener

al In

sura

nce

Com

pany

Ltd

.

Furn

ess A

ncho

rage

Gen

eral

Insu

ranc

e Lt

d.

Gul

f Ins

uran

ce L

td.

The

Carib

bean

Hom

e In

sura

nceC

ompa

ny L

td.

GTM

Fire

Insu

ranc

e Co

mpa

ny L

td.

Mar

itim

e G

ener

al In

sura

nce

Com

pany

Ltd

.

Nat

iionw

ide

Insu

ranc

e (C

asua

lty &

Gen

eral

) Co.

Ltd

.

N.E

.M. (

Wes

t Ind

ies)

Insu

ranc

e Lt

d.

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sagi

cor G

ener

al In

sura

nce

Inc.

The

Beac

on In

sura

nce

Com

pany

Lim

ited

Thr G

oodw

ill G

ener

al In

sura

nce

Com

pany

Ltd

The

Gre

at N

orth

ern

Insu

ranc

e Co

mpa

ny L

td.

The

Mou

ntai

n G

ener

al In

sura

nce

Com

pany

Ltd

.

The

New

Indi

a As

sura

nce

Com

pany

(T&T

) Ltd

.

The

Rein

sura

nce

Com

pany

of T

&T L

imite

d

Trin

idad

& To

bago

Insu

ranc

e Lt

d.

TOTA

L

CARI

BBEA

N

Uni

ted

Insu

ranc

e Co

mpa

ny L

td.

TOTA

L

GRA

ND

TO

TAL

UN

EARN

ED

PREM

IUM

(BEG

INN

ING

OF

YEA

R)

$%

$%

$%

$%

UN

EARN

ED

PREM

IUM

(EN

D O

F YE

AR)

EXPE

NSE

S O

F M

AN

AG

EMEN

TA

ND

NET

COM

MIS

SIO

NS

4,1

24,8

19

(154

,554

)

51,

189

28,

182

50,

8�8

5,5

50,9

55

228

,576

1,�

26,9

�6

5,7

14,1

�2

2,5

19,4

86

2,0

4�,8

82

No

acco

unts

- -

2,5

�7,�

72

2,2

76,1

27

No

acco

unts

15,

062

No

acco

unts

919

,654

(8,0

27)

5,1

60,2

�9

�2,

�84,

868

789

,�29

789

,�29

��,

174,

197

9,4

45,2

81

191

,070

(111

,681

)

47,

097

45,

192

7,4

57,7

�1

217

,060

2,2

�0,8

47

17,

677,

54�

�,�

25,8

42

2,7

24,6

5�

subm

itted

- -

5,2

04,9

28

�,8

94,6

16

subm

itted

5�,

�42

subm

itted

1,4

2�,6

60

�54

,995

4,9

95,4

79

59,

177,

655

�,0

05,7

86

�,0

05,7

86

62,

18�,

441

4,7

81,1

4�

2�6

,055

2�,

966

17,

254

62,

871

6,�

55,�

62

158

,595

1,�

28,�

50

6,7

40,5

59

�,0

50,8

96

1,9

21,2

25 - -

2,�

09,5

84

2,2

88,0

�6

24,

645

909

,��9

�66

,717

4,�

28,9

57

�4,

90�,

554

1,1

80,2

27

1,1

80,2

27

�6,

08�,

781

8,7

88,9

57

(199

,5�9

)

(84,

458)

58,

025

��,

159

6,6

5�,�

24

287

,041

2,2

29,4

��

16,

651,

116

2,7

94,4

�2

2,8

47,�

10 - -

5,4

�2,7

16

�,8

82,7

07

4�,

759

1,4

��,9

75

(19,

749)

5,8

26,7

61

56,

658,

969

2,6

14,8

88

2,6

14,8

88

59,

27�,

857

� �

,920

,100

97,

�26

8�,

471 -

25,

000

�,4

75,4

18

164

,994

627

,72�

10,

��2,

106

1,0

40,2

90

1,�

42,5

60 -

2,5

48

6,5

90,9

1�

1,7

�8,8

74 -

497

,865

178

,080

1,6

51,6

85

�1,

768,

95�

75�

,59�

75�

,59�

�2,

522,

546

44.

60

(48.

78)

(98.

8�) -

75.

�9

52.

24

57.

48

28.

16

62.

05

�7.

2�

47.

15 - -

121

.�2

44.

79 -

�4.

72

(901

.72)

28.

�5

56.

07

28.

82

28.

82

54.

87

9,

187,

194

1,4

09,4

19

284

,45�

�62

10,

�1�

15,

645,

870

1,4

02,6

05

2,5

67,7

10

2�,

��0,

040

5,4

81,5

64

8,2

�5,0

45 -

1,0

6�

724

,552

4,5

�9,2

62

�5,

�54

4,7

92,5

11

1,4

59,8

76

5,6

75,5

40

84,

782,

7�4

1,�

06,7

85

1,�

06,7

85

86,

089,

519

1

04.5

�

(706

.�4)

(��6

.80)

0.6

2

�1.

10

2�5

.16

488

.64

115

.17

140

.11

196

.16

289

.22 - -

1�.

�4

116

.91

80.

79

��4

.21

(7,�

92.1

5)

97.

40

149

.64

49.

97

49.

97

145

.24

149

.1�

(755

.11)

(4�5

.6�)

0.6

2

106

.50

287

.�9

546

.12

14�

.��

202

.16

2��

.�9

��6

.�7 - -

1�4

.66

161

.69

80.

79

�68

.9�

(8,2

9�.8

7)

125

.75

205

.71

78.

79

78.

79

200

.11

(4,

�18,

��7)

(1,7

06,2

84)

(452

,�82

)

57,

66�

(2,1

54)

(12,

467,

964)

(1,2

80,5

58)

(966

,000

)

(17,

011,

0�0)

(�,7

27,4

22)

(6,7

�0,2

95) -

(�,6

11)

(1,8

82,7

49)

(2,�

95,4

29)

8,4

05

(�,8

56,4

01)

(1,6

57,7

05)

(1,5

00,4

64)

(59,

892,

718)

554

,510

554

,510

- (5

9,��

8,20

8)

(49

.1�)

855

.11

5�5

.6�

99.

�8

(6.5

0)

(187

.�9)

(446

.12)

(4�.

��)

(102

.16)

(1��

.�9)

(2�6

.�7) - -

(�4.

66)

(61.

69)

19.

21

(268

.9�)

8,�

9�.8

7

(25.

75)

(105

.71)

21.

21

21.

21

(100

.11)

1�,

107,

294

1,5

06,7

45

�67

,924

�62

�5,

�1�

19,

121,

288

1,5

67,5

99

�,1

95,4

��

��,

662,

147

6,5

21,8

54

9,5

77,6

05 -

�,6

11

7,�

15,4

65

6,2

78,1

�6

�5,

�54

5,2

90,�

76

1,6

�7,9

56

7,�

27,2

25

116

,551

,687

2,0

60,�

78

2,0

60,�

78

118

,612

,065

NET

PREM

IUM

WRI

TTEN

NET

PREM

IUM

SEA

RNED

(1+2

)-�

NET

CLA

IMS

INCU

RRED

5 A

S A

PE

R CE

NT

OF

47

AS

A

PER

CEN

T O

F 4

TOTA

LPR

EMIU

M

PAYM

ENTS

(7

+5)

9 A

S A

PE

R CE

NT

OF

4PR

OFI

T O

R(L

OSS

) (4-

9)

PRO

FIT

OR

(LO

SS)

PER

CEN

T

$$

$$


TABL

ES SUM

MA

RY A

ND

VA

LUAT

ION

OF

POLI

CIES

OF

AM

ERIC

AN

LIF

E &

GEN

ERA

L IN

SURA

NCE

CO

MPA

NY

(T&

T) LT

D IN

RES

PEC

T O

F LO

NG

-TER

M A

ND

AN

NU

ITY

AS

AT D

ECEM

BER

�1, 2

005

TABL

E XX

II

NSU

RAN

CE P

OLI

CIES

$$

$$

Gro

up 1

- Tot

al A

ssur

ance

s with

Pro

fits

Gro

up 2

- Tot

al A

ssur

ance

s with

out P

rofit

s

TOTA

L AS

SURA

NCE

S

Gro

up �

- Sup

lem

enta

ry B

enefi

ts

Gro

up 4

- Gro

up A

ssur

ance

(Une

arne

d Pr

emiu

m)

Gro

up 5

- Ind

ivid

ual A

nnui

ties -

Def

erre

d

In

Pay

men

t

TOTA

L IN

D. A

NN

UIT

IES

Gro

up 6

- Tax

Qua

l. Ind

. Ann

uitie

s - D

efer

red

In

Pay

men

t

TOTA

L TA

X Q

UAL.

IND

. AN

NU

ITIE

S

Gro

up 7

- Gro

up A

nnui

ties -

Def

erre

d

I

n Pa

ymen

t

TOTA

L G

ROU

P AN

NU

ITIE

S

AID

S RE

SERV

EPE

RSO

NAL

ACC

IDEN

T BE

NEF

ITS

GRA

ND

TO

TAL

- NET

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

NU

MBE

RO

FPO

LICI

ES

OFF

ICE

YEA

RLY

PREM

IUM

S

SUM

SA

SSU

RED

AN

D B

ON

USE

S

NET

YEA

RLY

PREM

IUM

S

NET

LIA

BILI

TY

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

11,6

90

1�,6

51

25,�

41 -

268

10,8

88 -

10,8

88

11,4

21

799

12,2

20

50 - 50 - -

48,7

67

587,

82�,

846

2,7�

0,2�

2,09

0

�,�1

8,05

5,9�

6 -

1,96

�,15

�,0�

6 - - - - -�,

218,

960

�,21

8,96

0 -2,

810,

152

2,81

0,15

2 - - 5,

287,

2�8,

084

1�,6

56,9

2�

27,9

27,5

5�

41,5

84,4

76

5,9

98,2

7�

11,6

82,2

94 - - - - - - - - - - -

59,2

65,0

4�

8,86

6,60

7

6,�4

7,97

�

15,2

14,5

80

�,8

14,6

�8

9,�4

5,8�

5 - - - - - - - - - - -

28,�

75,0

5�

127,

261,

776

168,

288,

64�

295,

550,

419

1,47

4,55

2

48,

�67

71,�

25,�

80 -

71,�

25,�

80

145,

20�,

971

��,

869,

708

179,

07�,

679

170,

149,

595

��,9

68,8

50

204,

118,

445

27,0

00,0

00

2,15

8,62

4

780,

749,

466

pa pa pa pa pa pa pa pa pa

VA

LUAT

ION

BA

LAN

CE S

HEE

T O

F TH

E LO

NG

-TER

M IN

SURA

NCE

OF

AM

ERIC

AN

LIF

E &

GEN

ERA

L IN

SURA

NCE

CO

MPA

NY

(T&

T) L

IMIT

EDA

S AT

DEC

EMBE

R �1

, 200

5

Net

Lia

bilit

ies u

nder

Pol

icie

s on

Regi

ster

in Tr

inid

ad a

nd To

bago

Oth

er

Surp

lus (

if an

y)

TOTA

L

$78

0,74

9,46

7

- 109,

929,

924

890,

679,

�91

Bala

nce

of L

ong

Term

Fun

d pe

r Rev

enue

Acc

ount

Defi

cien

cy (i

f any

)

TO

TAL

$89

0,67

9,�9

1

- 890,

679,

�91


TABL

ESBA

NCA

SSU

RAN

CE C

ARI

BEA

N L

IMIT

EDSU

MM

ARY

AN

D V

ALU

ATIO

N O

F PO

LICI

ES IN

RES

PEC

T O

F LO

NG

- TE

RM B

USI

NES

SA

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

III

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

SUM

SIN

SURE

D

$$

$$

OFF

ICE

YEA

RLY

PREM

IUM

S

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- W

ith fu

ll Pa

rtic

ipat

ion

in P

rofit

sLe

ss R

eass

uran

ce

TOTA

L N

ET G

ROU

P 1

Gro

up �

- With

out P

artic

ipat

ion

in P

rofit

sLe

ss R

eass

uran

ce

TOTA

L N

ET G

ROU

P �

Gro

up 5

- Ann

uitie

s Le

ss R

eass

uran

ce

TOTA

L N

ET G

ROU

P 5

Gro

up 6

- O

ther

Gro

up L

ife

Less

Rea

ssur

ance

TOTA

L N

ET G

ROU

P 6

GRA

ND

TOTA

L

REVE

RSIO

NA

RYBO

NU

SN

ETYE

ARL

YPR

EMIU

MS

NET

LIA

BILI

TY

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

NU

MBE

RO

FPO

LICI

ES

146

,�81

,979

4

68,0

70

145,

91�,

909

550

,211

,179

�

0,07

4,51

7

520,

1�6,

662

241

,795

-

241,

795

1,�

81,1

64,0

87

�71

,00�

,681

1,01

0,16

0,40

6

1,67

6,45

2,77

2

4,7

�8,6

�� -

4,7�

8,6�

�

415

-

415 - - - - - -

4,7�

9,04

8

2,6

�1 -

2,6�

1

2,5

21 -

2,52

1

25�

-

25� 5

- 5

5,41

0

1,6

�2,6

06

5,5

64

1,62

7,04

2

2,2

84,�

11

284

,116

2,00

0,19

5

24,

022 -

24,0

22

�,�

92,�

41

882

,847

2,50

9,49

4

6,16

0,75

�

1,0

60,�

46 -

1,06

0,�4

6

1,2

97,2

02 -

1,29

7,20

2

966

,211

-

966,

211 - - -

�,�2

�,75

9

�7,

075,

581

2,7

82

�7,0

72,7

99

��,

101,

176

2�8

,099

�2,8

6�,0

77

4,1

84,�

08 -

4,18

4,�0

8

10,

601,

�10

88,

285

10,5

1�,0

25

84,6

��,2

09

VALU

ATIO

N B

ALA

NCE

SH

EET

OF

BAN

CASS

URA

NCE

CA

RIBB

EAN

LIM

ITED

IN R

EPEC

T O

FBU

SIN

ESS

DO

NE

IN T

RIN

IDA

D A

ND

TO

BAG

O O

NLY

AS

AT D

ECEM

BER

�1, 2

005

Actu

aria

l Res

erve

s: P

ar

Non

Par

Una

ppro

pria

ted

Surp

lus:

Par

N

on-P

ar

Shar

e Pr

emiu

mSh

are

Capi

tal

TOTA

L

$’00

0

�8,

16�

46,

472

84,6

�5

111,

887

1�0

,208

24

2,09

5

4,9

40

4,2

2�

��5,

89�

Valu

e of

Ass

ets

Less

Curr

ent L

iabi

litie

s

TOTA

L

$’00

0

447

,227

(111

,��5

)

��5,

892


SUM

MA

RY A

ND

VA

LUAT

ION

OF

POLI

CIES

OF

BRIT

ISH

AM

ERIC

AN

INSU

RAN

CE C

OM

PAN

Y (T

RIN

IDA

D) L

IMIT

EDIN

RES

PEC

T O

F LO

NG

-TER

M B

USI

NES

S A

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

IV

VALU

ATIO

N B

ALA

NCE

SH

EET

OF

GU

ARD

IAN

LIF

E O

F TH

E CA

RIBB

EAN

LIM

ITED

IN R

EPEC

T O

F BU

SIN

ESS

DO

NE

INTR

INID

AD

AN

D T

OBA

GO

ON

LY A

S AT

DEC

EMBE

R �1

, 200

5

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

$$

$$

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SIN

SURE

DO

FFIC

EYE

ARL

YPR

EMIU

MS

REVE

RSIO

NA

RYBO

NU

SN

ETYE

ARL

YPR

EMIU

MS

NET

LIA

BILI

TYN

UM

BER

OF

POLI

CIES

INSU

RAN

CE P

OLI

CIES

Gro

up �

- With

out P

artic

ipat

ion

in P

rofit

sO

rdin

ary

Bran

ch

Indu

stria

l Life

Bra

nch

TOTA

L LI

FE A

SSU

RAN

CES

�0,

561

4,5

72

�5,1

��

TABL

ES

2,0

24,7

25,9

8�

6,7

�1,8

88

2,0�

1,45

7,87

1

289

,704

,15�

�

01,1

87

290,

005,

�40

828

,9�7

2

14,5

69

1,04

�,50

6

�54

,08�

,604

�

,559

,�47

�57,

642,

951

Net

Lia

bilit

ies u

nder

Ord

inar

y Li

fe P

olic

ies

Net

liab

ilitie

s und

er In

dust

rial L

ife p

olic

ies

Surp

lus (

if an

y)

TOTA

L

$’00

0

�54,

08�,

604

�,55

9,�4

7 -

�57,

642,

951

Ord

inar

y Li

fe F

und

Indu

stria

l Life

Fun

d D

efici

ency

(if a

ny)

TO

TAL

$’00

0

�4�,

5�7,

760

2,91

1,84

�

11,

19�,

�48

�57,

642,

951


DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

$

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SIN

SURE

DO

FFIC

EYE

ARL

YPR

EMIU

MS

REVE

RSIO

NA

RYBO

NU

SN

ETYE

ARL

YPR

EMIU

MS

NET

LIA

BILI

TYN

UM

BER

OF

POLI

CIES

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- W

ith fu

ll Pa

rtic

ipat

ion

in P

rofit

s

TOTA

L PA

R

Gro

up �

- With

out P

artic

ipat

ion

in P

rofit

s

TOTA

L N

ON

PAR

Gro

up 5

- Ann

uitie

s EF

PA/F

PA

TOTA

L

Gro

up 6

- O

ther

Lon

g Te

rm In

sura

nce

Busin

ess

GRA

ND

TOTA

L

7,95

2

7,95

2

�5,�

�4

�5,�

�4

18,9

5�

80,1

80

99,1

��

2�1

142,

650

�2�,

265,

000

�2�,

265,

000

10,�

�4,7

87,0

00

10,�

�4,7

87,0

00 - -

10,6

58,0

52,0

00

24,2

89,0

00

24,2

89,0

00 - - -

24,2

89,0

00

7,�5

1,00

0

7,�5

1,00

0

7�,4

42,0

00

7�,4

42,0

00 - -

80,7

9�,0

00

N/A

N/A - - -

82,4

02,0

00

82,4

02,0

00

124,

�80,

000

124,

�80,

000

1,07

1,22

4,00

0 6,

�08,

174,

000

7,�7

9,�9

8,00

0

922,

��7,

000

8,50

8,51

7,00

0

$$

$

TABL

ESSU

MM

ARY

AN

D V

ALU

ATIO

N O

F PO

LICI

ES O

F CO

LON

IAL

LIFE

INSU

RAN

CE C

OM

PAN

Y (T

RIN

IDA

D) L

IMIT

EDIN

RES

PEC

T O

F LO

NG

-TER

M B

USI

NES

S A

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

V

$


TABL

ESSU

MM

ARY

AN

D V

ALU

ATIO

N O

F PO

LICI

ES O

F CU

NA

CA

RIBB

EAN

INSU

RAN

CE S

OCI

ETY

LIM

ITED

IN R

ESPE

CT

OF

LON

G-T

ERM

INSU

RAN

CE A

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

VI

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

$$

$$

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SA

SSU

RED

AN

D B

ON

USE

S

OFF

ICE

YEA

RLY

PREM

IUM

SD

IVID

END

S

NET

YEA

RLY

PREM

IUM

SN

ETLI

ABI

LITY

NU

MBE

RO

FPO

LICI

ES

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- Who

le L

ife

Gro

up 1

- Ter

m

Gro

up 1

- Pen

sions

Plu

s Ter

m a

nd A

DB

Ride

r

Gro

up 1

- End

owm

ent

TOTA

L G

ROU

P 1

Gro

up 6

- Oth

er L

ong

Term

Insu

ranc

e Bu

sines

s

TOTA

L O

THER

BU

SIN

ESS

POLI

CY R

IDER

SEX

TRA

PREM

IUM

SCS

V D

EFIC

IEN

CY R

ESER

VEAI

DS

RESE

RVE

GRA

ND

TOTA

L

686

128

182 9�

1,08

9

402

402 - - - -

1,49

1

24,8

48,2

42

12,0

60,0

5�

21,5

71,�

75

2,89

�,�8

8

61,�

7�,0

58

6,4

78,1

07,�

8�

6,47

8,10

7,�8

�

�4,9

84,2

08 - - -

6,57

4,46

4,64

9

��1,

215 - -

10,

41�

�41,

628 - - - - - -

�41,

628

507,

196

118,

151

4�,6

80

112,

666

781,

69�

55,

751,

554

55,7

51,5

54

65,6

10

12,0

�9 - -

56,6

10,8

96

445,

950

110,

22� -

97,

509.

00

65�,

682 - - - - - -

65�,

682

6,08

�,47

5

102,

894

42,4

24

1,17

6,15

0

7,40

4,94

�

15,6

29,7

87

15,6

29,7

87

65,6

10

12,0

�9

480,

122

�6,8

24

2�,6

29,�

25

VA

LUAT

ION

BA

LAN

CE S

HEE

T O

F TH

E LO

NG

-TER

M IN

SURA

NCE

OF

CUN

A C

ARI

BBEA

N IN

SURA

NCE

SO

CIET

Y LI

MIT

EDA

S AT

DEC

EMBE

R �1

, 200

5

Net

Lia

bilit

ies u

nder

Pol

icie

s on

Regi

ster

in Tr

inid

ad a

nd To

bago

Oth

er -

Out

stan

ding

cla

ims o

n be

half

of

Indi

vidu

al O

rdin

ary

Life

Surp

lus (

if an

y)

TOTA

L

$’00

0

2�,6

29,�

25

88,8

�1

�1,9

74,6

85

55,6

92,8

41

Bala

nce

of L

ong

Term

Fun

d pe

r Rev

enue

Acc

ount

Defi

cien

cy (i

f any

)

TOTA

L

$’00

0

55,6

92,8

41 -

55,6

92,8

41


TABL

ESG

UA

RDIA

N L

IFE

OF

THE

CARI

BBEA

N L

IMIT

EDSU

MM

ARY

AN

D V

ALU

ATIO

N O

F PO

LICI

ES IN

RES

PEC

T O

F LO

NG

TER

M B

USI

NES

SA

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

VII

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

$$

$$

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SIN

SURE

DO

FFIC

EYE

ARL

YPR

EMIU

MS

REVE

RSIO

NA

RYBO

NU

SN

ETYE

ARL

YPR

EMIU

MS

NET

LIA

BILI

TYN

UM

BER

OF

POLI

CIES

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- W

ith im

med

iate

par

ticip

atio

n in

pro

fits

Less

Rea

ssur

ance

TOTA

L N

ET F

ULL

PAR

TICI

PATI

ON

With

Qua

rter

Par

ticip

atio

n in

Pro

fits

Less

Rea

ssur

ance

TOTA

L N

ET Q

UART

ER P

ARTI

CIPA

TIO

N

Bon

us P

rovi

sion

TOTA

L N

ET G

ROU

P 1

Gro

up �

- W

ithou

t par

ticip

atio

n in

pro

fits

Less

Rea

ssur

ance

TOTA

L N

ET G

ROU

P �

Gro

up 5

- An

nuiti

esLe

ss R

eass

uran

ce

TOTA

L N

ET G

ROU

P 5

Gro

up 6

- O

ther

Lon

g Te

rm In

sura

nce

Busin

ess

Gro

up L

ife:

Basic

New

life

Gro

up LT

D

G

roup

Mor

tgag

e Pr

otec

tion

Gro

up U

nit L

inke

d

A

dditi

onal

Ben

efits

Less

Rea

ssur

ance

TOTA

L N

ET G

ROU

P 6

GRA

ND

TOTA

L

1,9

18 -

1,91

8

468

- 46

8 -

2,�8

6

70,

187 -

70,1

87

�9,

710 -

�9,7

10

20� - - 6 � - -

212

112,

495

146

,791

,928

7

,168

,121

1�

9,62

�,80

7

�2,

279,

�29

1,1

54,7

25

�1,1

24,6

04 -

170,

748,

411

20,8

22,5

78,4

7�

5,4

72,8

27,6

59

15,�

49,7

50,8

14

62,

455,

992 -

62,4

55,9

92

1,91

9,�8

8,12

5 - 4

4,2�

�,26

� 14

4,�0

4,29

5 14

9,50

0 1,

706,

918,

858

1,75

5,85

8,75

4

2,05

9,1�

5,28

7

17,6

42,0

90,5

04

68,

�5�,

408 -

68,�

5�,4

08

�,8

�8,0

6� -

�,8�

8,06

� -

72,1

91,4

71

151

,761

-

151,

761

46�

,587

-

46�,

587 - - - - - - - -

72,8

06,8

19

�,1

9�,5

64

191

,140

�,

002,

424

401

,845

�

4,�7

7 �6

7,46

8 -

�,�6

9,89

2

27�

,499

,766

1

9,�0

1,06

�

254,

198,

70�

18�

,585

,067

-

18�,

585,

067

8,�4

5,98

2 94

4,2�

� 56

9,90

8 26

2,21

0 22

,000

1,

748,

575

�,76

7,66

0

8,12

5,24

8

449,

278,

910

1,7

61,4

71 -

1,76

1,47

1

�12

,005

- �1

2,00

5 -

2,07

�,47

6

8,1

09,9

77 -

8,10

9,97

7

164

,475

-

164,

475 - - - - - - - -

10,�

47,9

28

74,

129,

857

95,

570

74,0

�4,2

87

10,

568,

562

17,

189

10,5

51,�

7�

�,79

1,27

�

88,�

76,9

��

785

,�77

,821

1

0,62

5,66

2

774,

752,

159

1,8

50,9

17,6

10 -

1,85

0,91

7,61

0

2,91

1,77

7 7�

,06�

�6

5,69

4 1,

515,

657

2�6,

7�0

1,74

8,57

5

1,09

8,90

4

5,75

2,59

2

2,71

9,79

9,29

4


TABL

ESVA

LUAT

ION

BA

LAN

CE S

HEE

T O

F G

UA

RDIA

N L

IFE

OF

THE

CARI

BBEA

N L

IMIT

ED IN

REP

ECT

OF

BUSI

NES

S D

ON

E IN

TR

INID

AD

AN

D T

OBA

GO

ON

LY A

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

VII c

ontin

ued

Actu

aria

l Res

erve

s

Par

ticip

atin

g Po

licie

s

Non

Par

ticip

atin

g Po

licie

s

Inve

stm

ent &

Con

tinge

ncy

Rese

rve

P

artic

ipat

ing

Polic

ies

N

on P

artic

ipat

ing

Polic

ies

Una

ppro

pria

ted

Surp

lus

P

artic

ipat

ing

Polic

ies

N

on P

artic

ipat

ing

Polic

ies

Shar

e Ca

pita

lSh

are

Prem

ium

Reva

luat

ion

Rese

rve

TOTA

L

$’00

0

88,

�77

2,6

�2,6

44

2,72

1,02

1

�9,

�57

272

,269

�1

1,62

6

218

,5�6

1

71,0

26

�89,

562

5�,

�49

1�,

162

12,

679

�,50

1,�9

9

Valu

e of

Ass

ets

Curr

ent L

iabi

litie

s

TOTA

L

$’00

0

�,59

5,55

6

(94,

157)

�,50

1,�9

9


TABL

ES

SUM

MA

RY A

ND

VA

LUAT

ION

OF

POLI

CIES

OF

SAG

ICO

R LI

FE IN

C IN

RES

PEC

T O

F LO

NG

-TER

M B

USI

NES

S A

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

VIII

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

SUM

SIN

SURE

D

$

BON

USE

SN

ETYE

ARL

YPR

EMIU

MS

NET

LIA

BILI

TY

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

NU

MBE

RO

FPO

LICI

ES

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- W

ith im

med

iate

Par

ticip

atio

n in

Pro

fits

Less

Rei

nsur

ance

TOTA

L N

ET IN

SURA

NCE

S W

ITH

PRO

FITS

Gro

up �

- With

out P

artic

ipat

ion

in P

rofit

sLe

ss R

eins

uran

ce

TOTA

L N

ET IN

SURA

NCE

S W

ITH

OU

T PR

OFI

TS

Gro

up 5

- Ann

uitie

s

TOTA

L AN

NU

ITIE

S

Gro

up 6

- O

ther

Lon

g Te

rm In

sura

nce

Busin

ess

Less

Rei

nsur

ance

TOTA

L N

ET

GRA

ND

TOTA

L

210,

785,

022

74,4

72,�

9�

1�6,

�12,

629

2,99

�,96

2,06

9 1,

4�4,

665,

216

1,55

9,29

6,85

�

8,54

4,75

5

8,5

44,7

55

8,5�

2,9�

8,70

6 �,

084,

254,

219

5,44

8,68

4,48

7

7,15

2,8�

8,72

4

2,16

5

2,16

5

4,9�

5

4,9�

5

�,26

1

�,26

1

112,

�85

112,

�85

122,

746

$$

24,2

12,5

99

24,2

12,5

99

4,2

86,4

5�

4,2

86,4

5� -

28,4

99,0

52

OFF

ICE

YEA

RLY

PREM

IUM

S

$ �,5�

1,19

5

�,5�

1,19

5

28,7

�4,4

90

28,7

�4,4

90

61,2

99

61,

299

206,

991,

899

206,

991,

899

2�9,

�18,

88�

N/A

N/A

N/A

N/A

59,6

52,�

8�

59,6

52,�

8�

(4,�

84,8

61)

(4,�

84,8

61)

412,

�88,

992

412,

�88,

992

522,

45�,

709

522,

45�,

709

990,

110,

22�


TABL

ES

SUM

MA

RY A

ND

VA

LUAT

ION

OF

POLI

CIES

OF

THE

SCO

TIA

LIFE

TRI

NID

AD

& T

OBA

GO

LIM

ITED

IN R

ESPE

CT

OF

LON

G-T

ERM

BU

SIN

ESS

AS

AT O

CTO

BER

�1, 2

005

TABL

E XX

IX

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

$$

$

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SA

SSU

RED

AN

D B

ON

USE

S

OFF

ICE

YEA

RLY

PREM

IUM

S

NET

YEA

RLY

PREM

IUM

S

NET

LIA

BILI

TYN

UM

BER

OF

POLI

CIES

$

INSU

RAN

CE P

OLI

CIES

Gro

up 5

- An

nuiti

esAp

prov

ed D

efer

rred

Ann

uitie

s

Gro

up 6

- O

ther

Lon

g Te

rm In

sura

nce

Busin

ess

Uni

vers

al

GRA

ND

TOTA

L

621

5,2

99

5,92

0

-

102

,507

,952

102,

507,

952

2,17

7,47

5

2�,

659,

870

25,8

�7,�

45

N/A

N/A

NET

YEA

RLY

PREM

IUM

S

1,4

86,5

84

79,

959,

060

81,4

45,6

44


TABL

ES

TATI

L LI

FE A

SSU

RAN

CE L

IMIT

EDSU

MM

ARY

AN

D V

ALU

ATIO

N O

F PO

LICI

ES IN

RES

PEC

T O

F LO

NG

TER

M B

USI

NES

SA

S AT

DEC

EMBE

R �1

, 200

5

TABL

E XX

X

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

NU

MBE

RO

FPO

LICI

ES

$

BON

USE

S

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SIN

SURE

DO

FFIC

EYE

ARL

YPR

EMIU

MS

NET

YEA

RLY

PREM

IUM

S

NET

LIA

BILI

TY

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- With

imm

edia

te P

artic

ipat

ion

in P

rofit

s

Add:

Ext

ra P

rem

ium

s

R

eser

ves f

or w

aive

r of p

rem

ium

ben

efit

Res

erve

for A

ccid

enta

l Dea

th N

ALAC

O

TOTA

L N

ET A

SSU

RAN

CES W

ITH

PRO

FITS

Gro

up �

-With

out P

artic

ipat

ion

in P

rofit

s

Add:

Ext

ra P

rem

ium

s

R

eser

ves f

or w

aive

r of p

rem

ium

ben

efit

Res

erve

s for

refu

nd o

f pre

miu

m b

enefi

t

R

eser

ve fo

r Acc

iden

tal D

eath

NAL

ACO

TOTA

L N

ET A

SSU

RAN

CES W

ITH

OU

T PR

OFI

TS

Gro

up 5

- Ann

uitie

s

TOTA

L N

ET A

NN

UIT

IES

Gro

up 6

- O

ther

Long

Term

Bus

ines

s

G

roup

Life

Insu

ranc

e

Ded

uct:

Rein

sura

nce

TOTA

L N

ET O

THER

LON

G TE

RM B

USI

NES

S

TOTA

L O

F TH

E RE

SULT

S AF

TER

DED

UCT

ION

OF

REIN

SURA

NCE

S

�,�5

8 - - -

�,�5

8

2�,0

57 - - - -

2�,0

57

10,8

4�

10,8

4�

100 -

100

�7,�

58

109,

048,

76� - - -

109,

048,

76�

�,02

6,98

4,20

2 - - - -

�,02

6,98

4,20

2

�07,

678,

171

�07,

678,

171

628,

02�,

169

�62,

290,

576

265,

7�2,

59�

�,70

9,44

�,72

9

$$

$$

$

�5,9

94,8

84 - - -

�5,9

94,8

84 - - - - - -

142,

�95

142,

�95 - - -

�6,1

�7,2

79

2,�5

2,99

9

�4,8

76 - -

2,�8

7,87

5

4�,�

04,2

77

466

,424

- - -

4�,7

70,7

01

�8,0

8�,7

7�

�8,0

8�,7

7�

4,88

�,22

0

1,��

0,74

2

�,55

2,47

8

87,7

94,8

27

2,�5

2,99

9 - - -

2,�5

2,99

9

4�,�

04,2

77 - - - -

4�,�

04,2

77 - - - - -

45,6

57,2

76

6�,5

71,�

71

�4,8

76

26,6

59

19,5

28

6�,6

52,4

�4

97,7

71,8

77

466,

424

775,

642

1,52

9,67

4 1�

1

100,

54�,

748

289,

169,

720

289,

169,

720

684,

514

221,

790

462,

724

45�,

828,

626


TABL

ES

VALU

ATIO

N B

ALA

NCE

SH

EET

OF

THE

LON

G T

ERM

INSU

RAN

CE O

F TA

TIL

LIF

E A

SSU

RAN

CE LT

D

AS

AT D

ECEM

BER

�1, 2

005

( IN

REP

ECT

OF

BUSI

NES

S D

ON

E IN

TRI

NID

AD

AN

D T

OBA

GO

ON

LY)

TABL

E XX

X co

ntin

ued

Net

liab

ilitie

s und

er p

olic

ies o

nRe

gist

er in

Trin

idad

& To

bago

at D

ecem

ber �

1, 2

005

Prov

ision

for p

aym

ent o

f Bo

nuse

s and

Div

iden

ds

Oth

er L

iabi

litie

s

Tran

sfer

from

the

indi

vidu

al O

rdin

ary

Life

F

und

to th

e G

roup

Life

Fun

d

Unr

ealis

ed In

vest

men

t Res

erve

Surp

lus

TOTA

L

(a) N

et L

iabi

litie

s und

er g

roup

busin

ess i

n Tr

inid

ad a

nd To

bago

at D

ecem

ber �

1, 2

005

Unr

ealis

ed In

vest

men

t Res

erve

Surp

lus

TOTA

L

$’00

0

�27,

752

1,57

5

119,

785

175

85,5

04

105,

��4

640,

125

$’00

0

126,

076

75,1

�0

21�,

�97

414,

60�

Valu

e of

indi

vidu

al in

sura

nce

fund

s as

show

n in

com

pany

acc

ount

s a

Dec

embe

r �1,

200

5 (e

xclu

ding

po

licy

hold

er d

epos

its)

TOTA

L

Valu

e of

gro

up fu

nds a

s sho

wn

in c

ompa

ny a

ccou

nts a

t Dec

embe

r �1,

20

05

Tr

ansf

er fr

om th

e in

divi

dual

Ord

inar

y Li

fe F

und

to th

e G

roup

Life

Fun

d

TO

TAL

$’00

0

640,

125

640,

125

$’00

0

414,

428

175

414,

60�


TABL

ES SUM

MA

RY A

ND

VA

LUAT

ION

OF

POLI

CIES

OF

THE

DEM

ERA

RA L

IFE

ASS

URA

NCE

CO

MPA

NY

OF

TRIN

IDA

D A

ND

TO

BAG

O L

IMIT

EDIN

RES

PEC

T O

F LO

NG

-TER

M IN

SURA

NCE

AS

AT D

ECEM

BER

�1, 2

005

TABL

E XX

XI

DES

CRIP

TIO

N O

F TR

AN

SAC

TIO

NS

NU

MBE

RO

FPO

LICI

ES

$

BON

USE

S

POLI

CIES

REG

ISTE

RED

IN T

RIN

IDA

D A

ND

TO

BAG

O

SUM

SA

SSU

RED

AN

D B

ON

USE

S

OFF

ICE

YEA

RLY

PREM

IUM

S

NET

YEA

RLY

PREM

IUM

S

NET

LIA

BILI

TY

INSU

RAN

CE P

OLI

CIES

Gro

up 1

- With

imm

edia

te p

artic

ipat

ion

in p

rofit

sLe

ss R

eins

uran

ce

TOTA

L N

ET IN

SURA

NCE

WIT

H P

ROFI

TS

Gro

up �

- With

out p

artic

ipat

ion

in p

rofit

sLe

ss R

eins

uran

ce

TOTA

L N

ET IN

SURA

NCE

WIT

HO

UT

PRO

FITS

Gro

up 4

- End

owm

ents

Less

Rei

nsur

ance

TOTA

L N

ET E

ND

OW

MEN

TS

Gro

up 5

- Ann

uitie

sLe

ss R

eins

uran

ce

TOTA

L N

ET A

NN

UIT

IES

TOTA

L AF

TER

DED

UCT

ION

OF

REIN

SURA

NCE

46�

-

46�

4�9

4�9

2�2

2�2

475

475

1,60

9

21,

2�7,

640

8,4

46,6

25

12,7

91,0

15

�4,0

15,0

00

16,�

71,5

00

17,6

4�,5

00

10,5

40,1

00

2,�5

9,00

0

8,18

1,10

0 - -

�8,6

15,6

15

$$

$$

$

7,2

�2,4

78

7,2�

2,47

8 0

�,69

4,87

6

�,69

4,87

6 -

10,9

27,�

54

469

,964

469,

964

571,

499

571,

499

299,

479

299,

479 - -

1,�4

0,94

2

469

,964

469,

964

571,

499

571,

499

299,

479

299,

479 - -

1,�4

0,94

2

14,1

49,4

24

(��5

,624

)

14,4

85,0

48

9,62

9,09

6 (6

29,8

88)

10,2

58,9

84

6,8

27,8

27

(11,

8�8)

6,8�

9,66

5

20,8

70,4

54

20,8

70,4

54

52,4

54,1

51

VA

LUAT

ION

BA

LAN

CE S

HEE

T O

F TH

E LO

NG

-TER

M IN

SURA

NCE

OF

DEM

ERA

RA L

IFE

ASS

URA

NCE

CO

MPA

NY

OF

TRIN

IDA

D A

ND

TO

BAG

OA

S AT

DEC

EMBE

R �1

, 200

5

Net

Lia

bilit

ies u

nder

Pol

icie

s on

Regi

ster

in Tr

inid

ad a

nd To

bago

Oth

er

Surp

lus (

if an

y)

TOTA

L

$’00

0

52,4

54,1

52 -

52,5

84,6

42

105,

0�8,

79

Bala

nce

of L

ong

Term

Fun

d pe

r Rev

enue

Acc

ount

Defi

cien

cy (i

f any

)

TO

TAL

$’00

0

105,

0�8,

794 -

105,

0�8,

794


TABL

ES

AN

NU

ITY

PEN

SIO

N F

UN

D P

LAN

S -

REVE

NU

E AC

COU

NT

- 200

5

TABL

E XX

XII

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

A.S.

Bry

den

and

Sons

(Trin

idad

) Lim

ited

Pens

ion

Plan

Baro

ids T

rinid

ad S

ervi

ce L

imite

d Pe

nsio

nFu

nd P

lan

Coco

nut G

row

ers A

ssoc

iatio

n Pe

nsio

n Fu

nd

Plan

Laug

hlin

and

De

Gan

nes L

imite

d Pe

nsio

nFu

nd P

lan

Pent

a Pa

ints

Car

ibbe

an L

imite

d Pe

nsio

nFu

nd P

lan

The

Inco

rpor

ated

Trus

tees

of t

he A

nglic

anCh

urch

in th

e D

ioce

se o

f Trin

idad

and

Toba

go

GRA

ND

TOTA

L

Dep

osit

Adm

inist

ratio

n

Annu

ity

Gra

nd T

otal

Self

Adm

inist

ered

2�,6

70,�

58

27,

879,

585

20,

799,

491

72,�

49,4

�4

75�,

556,

�64

72,�

49,4

�4

825,

905,

798

1. 2. �. 4. 5. 6.

EMPL

OYE

RS

$

1,08

4,51

2 - -

1,08

4,51

2

24,4

�7,5

16

1,08

4,51

2

25,5

22,0

28

215,

760,

797

EMPL

OYE

ES

$ 401,

�97

279

,854

2,8

80

684,

1�1

14,6

51,4

09

684,

1�1

15,�

�5,5

40

12�,

470,

569

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

- - - -

6�,

000 -

6�,0

00

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

1,6�

7,65

2

1,8

68,5

49

1,4

�2,7

75

4,9�

8,97

6

54,8

69,4

70

4,9

�8,9

76

59,8

08,4

46

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

- - - -

17,0

�9,1

�� -

17,0

�9,1

��

TOTA

LRE

VEN

UE

$

26,7

9�,9

19

�0,

027,

988

22,2

�5,1

46

79,0

57,0

5�

864,

616,

892

79,0

57,0

5�

94�,

67�,

945

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

1,67

1,71

4 -

617

,882

2,28

9,59

6

16,9

58,5

98

2,28

9,59

6

19,2

48,1

94

RETI

REM

ENT

GRA

TUIT

IES

$

- - - -

5,�

14,�

79 -

5,�1

4,�7

9

TOTA

L

$

1,67

1,71

4 -

617

,882

2,28

9,59

6

22,2

72,9

77

2,28

9,59

6

24,5

62,5

7�

DEA

THG

RAN

TS

$

- - - -

1,2

�9,8

82 -

1,2�

9,88

2

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$ 107,

�17

78,

659 -

185,

976

�,86

9,11

1

185,

976

4,05

5,08

7

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$ 256,

�06

94,

�75

20�

,97�

554,

654

5,26

1,�8

1

554,

654

5,81

6,0�

5

TOTA

LEX

PEN

DIT

URE

$

2,0�

5,��

7

17�

,0�4

821

,855

�,0�

0,22

6

�2,6

4�,�

51

�,0�

0,22

6

�5,6

7�,5

77

FUN

DS

AT E

ND

OF

PERI

OD

$

24,7

58,5

82

29,

854,

954

21,

41�,

291

76,0

26,8

27

8�1

,97�

,541

76,0

26,8

27

908,

000,

�68


NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Albr

osco

Lim

ited

Staff

Pen

sion

Plan

All T

rinid

ad S

ugar

and

Gen

eral

Fa

ctor

y Wor

kers

Trad

e U

nion

Sta

ffPe

nsio

n Pl

an

Alst

ons L

imite

d Pe

nsio

n Fu

nd P

lan

Anth

ony

N. S

abga

Lim

ited

Pens

ion

Fund

Pla

n

Ango

stur

a Bi

tters

(Dr. J

.G.B

. Sie

gert

& So

ns) L

imite

d Pe

nsio

n Fu

nd P

lan

Arm

our’s

Fun

eral

Hom

es L

imite

dPe

nsio

n Fu

nd P

lan

ASA

Wrig

ht N

atur

e Ce

ntre

Pen

sion

Fund

Pla

n

Barb

ados

Mut

ual L

ife A

ssur

ance

Soc

iety

Pens

ion

Plan

(Now

PP

for E

mpl

oyee

s of S

agico

r Life

In

c.)

Bel A

ir In

tern

atio

nal A

irpor

t Hot

elLi

mite

d Pe

nsio

n Pl

an

Berg

er P

aint

s Trin

idad

Ltd.

Wee

kly

Paid

Pens

ion

Fund

Pla

n

Berm

udez

Bisc

uit C

ompa

ny Lt

d. P

ensio

n Pl

an

Briti

sh H

igh

Com

misi

on P

ensio

n Fu

nd P

lan

Brist

ol- M

yers

Squ

ibb

(Wes

t Ind

ies)

Lim

ited

BWIA

Gen

eral

Sta

ff Pe

nsio

n Pl

an

Carib

bean

Bul

k Sto

rage

Trad

ing

Com

pany

Li

mite

d Pe

nsio

n Fu

nd P

lan

Carib

bean

Pac

kagi

ng In

dust

ry L

imite

d Pe

nsio

n Fu

nd P

lan

for S

enio

r Sta

ff Em

ploy

ees

Carib

bean

Pac

kagi

ng In

dust

ries L

imite

dPe

nsio

n Fu

nd P

lan

for J

unio

r Sta

ff Em

ploy

ees

CBP

Lim

ited

Pens

ion

Plan

Cent

ury

Eslo

n Li

mite

d Pe

nsio

n Pl

an

Clar

k & B

atto

o Lt

d. P

ensio

n Fu

nd P

lan

Clico

Inve

stm

ent B

ank L

td. S

taff

Pens

ion

Fund

Pla

n

Carri

ed Fo

rwar

d

8,95

7,52

0

2,09

�,97

9

11,1

05,2

11

554,

641

25,7

�1,4

61

4�6,

476

�9,�

61,1

09

�,80

8,71

7

1,96

7,70

0 2,

825,

91�

15,

205,

�6�

�,27

1,08

1

115,

�19,

171

1 2 � 4 5 6 7 8 9 10

11

12

1�

14

15

16

17

18

19

20

21

��,1

95

40,5

51

�72,

241

6,79

�

921,

770 -

2,50

0,76

5

86,8

95

82,0

�1

585,

5�1

42�

,044

�47,

8�4

5,40

0,65

0

-

28,9

64

�72,

241

6,79

�

6�8,

071 -

1,10

9,11

2

56,5

60 -

1�8,

996

42�

,044

16�,

688

2,9�

7,46

9

- - - - -

6�,0

00 - - - - - -

6�,0

00

617,

764

156,

948

751,

520

�6,6

07

1,85

2,6�

2

29,7

25

2,76

7,�5

6

277,

199

14�,

87�

166,

77�

1,1

29,9

64

255,

057

8,18

5,41

8

- - - -

107

,245

4,4

76 - - - - - -

111

,721

9,60

8,47

9

2,�2

0,44

2 -

12,6

01,2

1� -

604,

8�4

29,2

51,1

79

5��,

677

45,7

�8,�

42 -

4,22

9,�7

1 -

2,19

�,60

4 - -

�,71

7,21

�

17,1

81,4

15

4,0�

7,66

0

1�2,

017,

429

195,

897

178,

841

140,

779

94,

440

642,

989

62,�

99

10�,

882 -

�6,6

5�

101,

488 - -

1,55

7,�6

8

- -

�1,

54� -

�27,

298

54,

194 - - -

57,2

�0 - -

470,

265

195,

897

178,

841

172,

�22

94,

440

970,

287

116,

59�

10�,

882 -

�6,6

5�

158,

718 - -

2,02

7,6�

�

- -

56,

679 -

27,4

58 - - - - - - -

84,1

�7

10,�

79

190,

867

28,1

27

28,

104

6��,

727 -

�26,

407

111

,827

-

�4,5

86

105

,871

6,�7

5

1,47

6,27

0

91,8

92

1,59

5

71,7

95

1,75

0

284,

59�

15,6

56

�6�,

486

2,��

5

�,��

5

4�,1

�5

�9,

671

41,4

2�

960,

666

298,

168

�71,

�0�

�28,

92�

124,

294

1,91

6,06

5

1�2,

249

79�,

775

114,

162

�9,9

88

2�6,

4�9

145

,542

47,7

98

4,54

8,70

6

9,�1

0,�1

1

1,94

9,1�

9

12,2

72,2

90

480,

540

27,�

�5,1

14

401,

428

44,9

44,5

67

4,11

5,20

9

2,15

�,61

6

�,48

0,77

4

17,

0�5,

87�

�,98

9,86

2

127,

468,

72�

TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIII

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIII

cont

inue

d

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght F

orw

ard

C.M

.B. P

acka

ging

T’d

ad Lt

d. S

taff

Pen

sion

Fund

Pla

n

Coat

es B

roth

ers C

arib

bean

Lim

ited

Pens

ion

Fund

Pla

n

Colo

nial

Fire

and

Gen

eral

Insu

ranc

e Co

mpa

ny L

imite

d Pe

nsio

n Fu

nd P

lan

Colo

nial

Life

Insu

ranc

e Co

mpa

ny

(Trin

idad

) Ltd

. Age

nts P

ensio

n Pl

an

Colo

nial

Life

Insu

ranc

e Co

mpa

ny

Staff

Pen

sion

Plan

Die

go M

artin

Cre

dit U

nion

Cor

p.

Soci

ety

Ltd.

Sta

ff Pe

nsio

n Fu

nd P

lan

Eric

Sol

is M

arke

ting

Lim

ited

Staff

Pens

ion

Plan

F.T. F

arfa

n &

Sons

Ltd.

St

aff P

ensio

n Pl

an

Furn

ess T

’dad

Lim

ited

(Mon

thly

Pai

dEm

ploy

ees)

Pens

ion

Fund

Pla

n

Fujit

su IC

L Ca

ribbe

an (T

dad)

Ltd

Gra

ce K

enne

dy (T

rinid

ad a

nd To

bago

) Lim

ited

Pens

ion

Fund

Pla

n

Gro

up P

ensio

n Pl

an fo

r the

Man

ager

ial

Empl

oyee

s ALG

ICO

Gro

up P

ensio

n Pl

an fo

r the

Non

-M

anag

eria

l Em

ploy

ees o

f ALG

ICO

Gul

f Eng

inee

ring

Serv

ices L

imite

dPe

nsio

n Fu

nd P

lan

Gul

f Ins

uran

ce Lt

d. G

roup

Pen

sion

Plan

Hal

libur

nton

Trin

idad

Ltd.

Pen

sion

Plan

Hom

e Co

nstru

ctio

n Lt

d. P

ensio

n Pl

an

Ingl

efiel

d O

gilv

y &

Mat

her C

arib

bean

Ltd.

Pens

ion

Fund

Pla

n

Insu

ranc

e Br

oker

s (W

est I

ndie

s) Lt

d.Pe

nsio

n Fu

nd P

lan

Carri

ed Fo

rwar

d

22

2�

24

25

26

27

28

29

�0

�1

�2

��

�4

�5

�6

�7

�8

�9

40

115,

�19,

171

5,�

52,1

94

7,85

4,4�

2

8,1

57,�

78

191

,44�

9,14

0,04

9

6,�5

5,�1

1

27,

961,

�9�

1,64

0,07

7

7,4

10,4

86

189,

�81,

9�4

5,40

0,65

0

594

,415

188,

158

167

,867

214

,669

280,

178

179,

757

1,5

05,�

0� - -

8,5�

0,99

7

2,9�

7,46

9

�02

,90�

188,

158 -

214

,668

280,

178

178,

687

1,0

0�,5

�5 -

�,7

80

5,10

9,�7

8

6�,0

00 - - - - - - - - -

6�,0

00

8,18

5,41

8

�89

,000

569,

285

(�2�

.00)

�6,

262

72�,

�82

287,

900

4,�

85

109,

105

514

,468

10,8

18,8

82

111

,721

.00 - -

1,9

08,2

91

25,

752 - -

7,2

57,7

28 - -

9,�0

�,49

2

1�2,

017,

429

6,6

�8,5

12

8,8

00,0

��

10,

2��,

21�

682

,794

10,4

2�,7

87

7,00

1,65

5

�7,

7�2,

�44

1,74

9,18

2

7,9

28,7

�4

22�,

207,

68�

1,55

7,�6

8

�6,

062

5��,

72� - - -

4,54

1 - -

499

,7�0

2,6�

1,42

4

470,

265

22,

085 - - - - - - - -

492,

�50

2,02

7,6�

�

58,

147

5��

,72�

- - -

4,54

1 - -

499

,7�0

�,12

�,77

4

84,1

�7 -

17,

995 - - - - - - -

102,

1�2

1,47

6,27

0

176

,�47

26,4

17

16,

512

18,

091 -

24,0

17

222

,461

- -

1,96

0,11

5

960,

666

77,

6�9

7�,

088

285

,124

15,

072 -

77,1

47

902

,276

12,9

72 -

2,40

�,98

4

4,54

8,70

6

�12

,1��

651

,22�

�01

,6�6

��,

16� -

105,

705

1,1

24,7

�7

12,9

72

499

,7�0

7,59

0,00

5

127,

468,

72�

6,�

26,�

79

8,1

48,8

10

9,9

�1,5

77

649

,6�1

10,4

2�,7

87

6,89

5,95

0

�6,

607,

607

1,7�

6,21

0

7,4

29,0

04

215,

617,

678

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIII

cont

inue

d

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght F

orw

ard

J.N. H

arrim

an a

nd C

ompa

ny L

imite

dPe

nsio

n Fu

nd P

lan

John

son

and

John

son

T’dad

Ltd.

Sta

ffPe

nsio

n Fu

nd P

lan

Jose

ph C

harle

s Bot

tling

Wor

ks -

Inve

stm

ent

Lim

ited

Pens

ion

Fund

Pla

n

J.T.A

. Sup

erm

arke

ts L

imite

d Pe

nsio

nFu

nd P

lan

Juni

or S

choo

ls Lt

d. P

ensio

n Fu

nd P

lan

Lake

Asp

halt

of T

’dad

and

T’g

o 19

78

Ltd.

Sta

ff Pe

nsio

n Pl

an

Lake

Asp

halt

of T

’dad

and

T’g

o 19

78

Ltd.

Em

ploy

ees (

wee

kly)

Pen

sion

Plan

Lang

e Trin

idad

Lim

ited

(Div

ision

of S

kinn

er M

arin

e O

pera

tions

)Pe

nsio

n Fu

nd P

lan

Lazz

ari &

Sam

pson

Pen

sion

Fund

Life

Of B

arba

dos L

imite

d Pe

nsio

n Pl

an

L.J. W

illiam

Ltd.

Pen

sion

Fund

Pla

n

Lons

dale

/Saa

tchi

Adv

ertis

ing

Ltd.

Sta

ffPe

nsio

n Fu

nd P

lan

Mar

itim

e Li

fe (C

arib

bean

) Ltd

. Pe

nsio

n Fu

nd P

lan

Mas

ter M

ix o

f T’d

ad &

T’g

o Lt

d. S

taff

Pens

ion

Fund

Pla

n

Mc C

ann-

Eric

kson

Trin

idad

Ltd.

Sta

ffPe

nsio

n Fu

nd P

lan

Med

iane

t Lim

ited

Mon

thly

Pai

d St

aff

�M In

tera

mer

ica

Inco

rpor

ate

(Trin

idad

and

Toba

go) D

ivisi

on

Nat

iona

l Agr

o Ch

emic

als L

imite

d Pe

nsio

n Fu

nd P

lan

Nat

iona

l Flo

ur M

ills L

imite

d Pe

nsio

nFu

nd P

lan

Carri

ed Fo

rwar

d

41

42

4�

44

45

46

47

48

49

50

51

52

5�

54

55

56

57

58

59

189,

�81,

9�4

48,2

27,7

05

8,8�

6,11

8

2,64

�,�4

2

7,66

7,77

5

9,5�

8,06

8

7,47

9,46

�

9,40

1,�5

2

8,82

�,41

2

�4,8

56,1

88

6,2�

7,40

8

558

,614

10,6

10,1

1�

21�,

09�

�44,

474,

585

8,5�

0,99

7 -

184,

989

74,5

58

224,

610

�69,

9�4

201,

�40

150,

279

510

,906

849,

241 -

6,8

00

282,

�26

54,5

5�

11,4

40,5

��

5,10

9,�7

8 -

184,

989

70,6

82

22�,

627

184,

967

201,

�40

150,

279

�70,

06�

849,

241 -

6,8

00

282,

�26

�5,4

�5

7,66

9,12

7

6�,0

00 - - - - - - - - - - - - -

6�,0

00

10,8

18,8

82

�86,

819

807,

459

185,

75�

58�,

678

640,

714

651,

955

690,

74�

61�,

994

1,5�

0,80

5

560

,862

22,

412

782,

856

9,02

2

18,2

85,9

54

9,�0

�,49

2

2,84

7,81

2 - - - - - - - - - - -

12,6

�2

12,1

6�,9

�6

22�,

207,

68�

51,4

62,�

�6

10,0

1�,5

55

2,97

4,��

5

8,6

99,6

90

10,7

��,6

8�

8,5�

4,09

8

10,�

92,6

5�

10,�

18,�

75

�8,0

85,4

75

6,79

8,27

0

594

,626

11,9

57,6

21

�24,

7�5

�94,

097,

1�5

2,6�

1,42

4

725,

�45 -

71,7

90 -

8,57

6

440,

699

484,

924

�06

,508

440,

022 - - -

89,9

88

5,19

9,27

6

492,

�50

�28,

29� -

49,9

16 - -

146,

899 -

�0,1

6�

146,

675 - - - -

1,19

4,29

6

�,12

�,77

4

1,05

�,6�

8 -

121,

706 -

8,57

6

587,

598

484,

924

��6,

671

586,

697 - - -

89,9

88

6,�9

�,57

2

102,

1�2 - - - -

�2,1

05 - - -

2�4,

266 - - - -

�68,

50�

1,96

0,11

5

7�,4

89

8,45

� 55 -

24,0

97

��,5

60

74,8

50

166,

2�5

51,6

29 - -

1�5,

859 -

2,52

8,�4

2

2,40

�,98

4

605,

059

22,0

2�

28,6

80

8,66

4

51,�

29

77,9

49

60,2

78

105,

647 -

1,00

0

�60

75,9

22 -

�,44

0,89

5

7,59

0,00

5

1,7�

2,18

6

�0,4

76

150,

441

8,66

4

116,

107

699,

107

620,

052

608,

55�

872,

592

1,00

0

�60

211,

781

89,9

88

12,7

�1,�

12

215,

617,

678

49,7

�0,1

50

9,98

�,07

9

2,82

�,89

4

8,69

1,02

6

10,6

17,5

76

7,8�

4,99

1

9,77

2,60

1

9,70

9,82

2

�7,2

12,8

8�

6,79

7,27

0

594

,266

11,7

45,8

40

2�4,

747

�81,

�65,

82�

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIII

cont

inue

d

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght F

orw

ard

Nat

iona

l Hel

icopt

er S

ervi

ces L

imite

dPe

nsio

n Fu

nd P

lan

Nav

arro

’s Sh

ippi

ng Lt

d. P

P

N.E

.M. (

Wes

t Ind

ies)

Ltd.

Pen

sion

Fund

Pla

n

Oilfi

elds

Wor

kers

Trad

e U

nion

Sta

ffPe

nsio

n Fu

nd P

lan

Peps

i-Col

a Bo

ttlin

g Co

mpa

ny Lt

d.

Pens

ion

Fund

Pla

n

Perre

ira a

nd C

o. Lt

d. P

ensio

n Fu

nd P

lan

Pres

tige

Hol

ding

s Lim

ited

Pens

ion

Fund

Pla

n

Prin

t - A

- Pa

k Lt

d. P

ensio

n Pl

an

R.B.

P. El

evat

or a

nd E

scal

ator

Com

pany

Lim

ited

Pens

ion

Fund

Pla

n

Rent

okil (

Trin

idad

) Lim

ited

Pens

ion

Fund

Pla

n

Rhan

d Cr

edit

Uni

on C

o-op

erat

ive

Soci

ety

Lim

ited

Pens

ion

Fund

Pla

n

Roya

l Car

ibbe

an In

sura

nce

Ltd.

Sta

ffPe

nsio

n Fu

nd P

lan

Seal

and

Serv

ices I

ncor

pora

ted

Pens

ion

Fund

Selco

Lim

ited

Pens

ion

Fund

Pla

n

Stel

lar D

istrib

utor

s (Tr

inid

ad) S

taff

Pens

ion

Plan

Smal

l Bus

ines

s Dev

elop

men

t Com

pany

Li

mite

d St

aff P

ensio

n Fu

nd P

lan

Sout

hern

Med

ical

Clin

ic Lt

d. P

ensio

nFu

nd P

lan

Sout

hern

Sal

es a

nd S

ervi

ces C

ompa

nyLi

mite

d Pe

nsio

n Fu

nd P

lan

TECU

Cre

dit U

nion

Co-

oper

ativ

e So

ciet

yLi

mite

d Pe

nsio

n Fu

nd P

lan

Carri

ed Fo

rwar

d

60

61

62

6�

64

65

66

67

68

69

70

71

72

7�

74

75

76

77

78

�44,

474,

585

7,04

6,77

1

20,

177,

496

8,05

5,99

7

760

,��2

�,1

05,�

89

�,1

80,8

64

4,98

1,�0

6

4,0

77,7

15

�,1

�2,8

�5

�6,�

22,2

�9

4�5,

�15,

529

11,4

40,5

��

�1�,

254

208

,822

�27,

159

105

,509

10�

,606

�14

,24�

70,6

29

��,

10�

74,

875

�27,

202

1�,�

18,9

�5

7,66

9,12

7

�20,

959

8�,

529

�27,

159

106

,228

10�

,606

157

,104

70,6

29

��,

10�

47,

045

�27,

202

9,24

5,69

1

6�,0

00 - - - - - - - - - -

6�,0

00

18,2

85,9

54

521,

972

1,7

52

�28,

297

57,

782

279

,561

�01

,168

�98,

128

�04

,827

221

,216

5,7�

5,74

4

26,4

�6,4

01

12,1

6�,9

�6 -

4,9

42,9

98 - - - - - - - -

17,1

06,9

�4

�94,

097,

1�5

8,20

2,95

6

25,

414,

597

9,0

�8,6

12

1,0

29,8

51

�,5

92,1

62

�,9

5�,�

79

5,52

0,69

2

4,4

48,7

48

�,4

75,9

71

42,7

12,�

87

501,

486,

490

5,19

9,27

6

470

,990

.00

�4�

,795

22,

�57 -

41,

675 - - -

21,

600

891,

166

6,99

0,85

9

1,19

4,29

6 -

411

,428

-

15,

06�

8�,

947 - - -

28,

225

247,

62�

1,98

0,58

2

6,�9

�,57

2

470

,990

755

,22�

22,

�57

15,

06�

125

,622

- - -

49,

825

1,1�

8,78

9

8,97

1,44

1

�68,

50� - - - - -

�7,

412 - - - -

405,

915

2,52

8,�4

2

72,

659 -

20,

605

2,9

67

1,1

14

4,�

92

1�4,

6�0

51,

175

42�

46,8

87

2,86

�,19

4

�,44

0,89

5

18,0

5�

275

,129

17,

001

20,

��8

50,

649

17,

59�

2,�1

2

16,

�07

��,

745

�6,7

9�

�,92

8,81

5

12,7

�1,�

12

561,

702

1,0

�0,�

52

59,

96�

�8,

�68

177

,�85

59,

�97

1�6,

942

67,

482

8�,

99�

1,22

2,46

9

16,1

69,�

65

�81,

�65,

82�

7,64

1,25

4

24,

�84,

245

8,9

78,6

49

991

,48�

�,4

14,7

77

�,8

9�,9

82

5,�8

�,75

0

4,�

81,2

66

�,�

91,9

78

41,4

89,9

18

485,

�17,

125

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIII

cont

inue

d

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght F

orw

ard

Tatil

Life

Sal

es R

epre

sent

ativ

es

Pens

ion

Plan

The

Agen

ts o

f Am

eric

an L

ife a

nd G

ener

alIn

sura

nce

Co. T

’dad

Ltd.

Pen

sion

Plan

The

Beac

on In

sura

nce

Com

pany

Lim

ited

Pens

ion

Fund

Pla

n

The

Gro

up P

ensio

n Pl

an fo

r no

n Pr

ofes

iona

l Em

ploy

ees o

f Fitz

ston

e Lt

d

The

Inst

itute

of M

arin

e Aff

airs

Pens

ion

Plan

The

Mye

rson

Toot

h Co

mpa

ny L

imite

d Pe

nsio

n Fu

nd P

lan

The

Syno

d of

the

Pres

byte

rian

Chur

chin

Trin

idad

and

Gre

nada

The T

’dad

Pilo

ts a

nd B

erth

ing

Mas

ters

Asso

ciat

ion

Ltd.

Pen

sion

Fund

Pla

n

The

Uni

vers

ity o

f the

Wes

t Ind

ies S

taff

Pens

ion

Fund

Pla

n

Tour

ism a

nd In

dust

rial D

evel

opm

ent C

o. o

fTr

inid

ad a

nd To

bago

Toyo

ta Tr

inid

ad a

nd To

bago

Sta

ffPe

nsio

n Pl

an

Trin

idad

Con

cret

e Pr

oduc

ts P

ensio

n Pl

an

Trin

idad

Con

tract

ors L

imite

d Pe

nsio

nFu

nd P

lan

Trin

idad

Exp

ress

New

spap

er Lt

d.

Pens

ion

Fund

Pla

n

Trin

idad

Nitr

ogen

Com

pany

Lim

ited

Pens

ion

Fund

Pla

n

Trin

idad

Rop

ewor

ks P

ensio

n Pl

an

Trin

idad

Sys

tem

s Ltd

. Pen

sion

Plan

Trin

idad

and

Toba

go C

ham

ber o

f Ind

ustr

y an

d Co

mm

erce

Pen

sion

Fund

Pla

n

Carri

ed Fo

rwar

d

79

80

81

82

8�

84

85

86

87

88

89

90

91

92

9�

94

95

96

4�5,

�15,

529

4,2

99,�

27

17,

�84,

152

6,17

1,22

2

16,

9�9,

�6�

167,

019,

54�

6,81

6,65

4

2,09

8,67

6

19,

01�,

459

45,5

14,8

56

1,88

8,18

9 -

722,

460,

970

1�,�

18,9

�5

54,

�50

465

,4�1

129,

627

544

,471

5,95

6,40

9

512,

�17

191,

595 -

1,50

4,77

9 -

54,4

07

22,7

�2,�

21

9,24

5,69

1

54,

�50

465

,4�1

129,

626

�4�

,011

2,48

8,79

9

256,

159

202,

80� -

1,02

6,1�

7 -

�8,0

85

14,2

50,0

92

6�,0

00 - - - - - - - - - - -

6�,0

00

26,4

�6,4

01

278

,5�0

1,2

92,0

96

466,

829

1,4

76,4

99

17,

�57,

252

516,

427

175,

�58

1,�

7�,9

96

2,7�

0,95

0

126,

275 -

52,2

�0,6

1�

17,1

06,9

�4 - - - - - - - -

(67,

801) - -

17,0

�9,1

��

501,

486,

490

4,6

86,5

57

19,

607,

110

6,89

7,�0

4

19,

�0�,

�44

192,

822,

00�

8,10

1,55

7

2,66

8,4�

2 -

20,

�87,

455

50,7

08,9

21

2,01

4,46

4 -

92,4

92

828,

776,

129

6,99

0,85

9

94,

�46

45,

855 -

490

,200

8,04

7,2�

2

198,

559 -

728

,746

107,

005

22,2

87

92,4

92

16,8

17,5

81

1,98

0,58

2

�1,

449 - -

189

,602

2,68

5,92

9

66,

187 -

271

,186

- - -

5,22

4,9�

5

8,97

1,44

1

125

,795

45,

855 -

679

,802

10,7

��,1

61

264,

746 -

999

,9�2

107,

005

22,2

87

92,4

92

22,0

42,5

16

405,

915

�05

,000

- - -

10,

222 - -

19,

�65 -

497

,4�8

-

1,2�

7,94

0

2,86

�,19

4

�,6

95

1,6

�2 - -

78,9

41

45,7

98

�8,

259 -

777,

766 - -

�,80

9,28

5

�,92

8,81

5

50,

�65 -

8,16

2

104

,154

259,

�28

20,0

27

12,9

69

211

,�75

�28,

572

15,5

46 -

4,9�

9,�1

�

16,1

69,�

65

484

,855

47,

487

8,16

2

78�

,956

11,0

81,6

52

��0,

571

51,2

28

1,2

�0,6

72

1,21

�,�4

�

5�5,

271 -

92,4

92

�2,0

29,0

54

485,

�17,

125

4,2

01,7

02

19,

559,

62�

6,88

9,14

2

18,

519,

�88

181,

740,

�51

7,77

0,98

6

2,61

7,20

4

19,

156,

78�

49,4

95,5

78

1,47

9,19

� - -

796,

747,

075

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIII

cont

inue

d

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght f

orw

ard

T’dad

& T

’go

Fore

st P

rodu

cts L

imite

dPe

nsio

n Fu

nd P

lan

Trin

idad

and

Toba

go M

ortg

age

Fina

nce

Com

pany

Ltd.

Gro

up P

ensio

n Fu

nd P

lan

T’dad

& T

’go

Solid

Was

te M

anag

emen

t Co

mpa

ny L

imite

d Pe

nsio

n Fu

nd P

lan

T’dad

& T

’go

Tele

visio

n Co

mpa

ny L

imite

dPe

nsio

n Fu

nd P

lan

Uni

ted

Stat

es o

f Am

eric

a Em

bass

y in

Trin

idad

and

Toba

go P

ensio

n Pl

an

Was

te D

ispos

als L

td. P

ensio

n Fu

nd P

lan

Wes

tern

Sci

entifi

c Com

pany

Pe

nsio

n Pl

an

Willi

am H

. Sco

tt Li

mite

d Pe

nsio

n Fu

nd P

lan

Yout

h Tr

aini

ng E

mpl

oym

ent P

atrn

ersh

ip

Prog

ram

me

Pens

ion

Plan

GRA

ND

TOTA

L

97

98

99

100

101

102

10�

104

105

722,

460,

970

7,76

4,14

9

16,5

00,�

58

924

,�55

4,28

0,17

7

1,62

6,�5

5

75�,

556,

�64

22,7

�2,�

21 -

1,1�

9,51

4

41,

7�0

42,2

1�

481

,7�8

24,4

�7,5

16

14,2

50,0

92 -

�17,

591

41,

7�0

41,9

96 -

14,6

51,4

09

6�,0

00 - - - - -

6�,0

00

52,2

�0,6

1�

526,

156

1,58

1,92

2

86,

�72

�2�,

084

121,

�2�

54,8

69,4

70

17,0

�9,1

�� - - - - -

17,0

�9,1

��

828,

776,

129

8,29

0,�0

5

19,5

�9,�

85

1,0

94,1

87

4,68

7,47

0

2,22

9,41

6

864,

616,

892

16,8

17,5

81

141,

017 - - - -

16,9

58,5

98

5,22

4,9�

5

89,

444 - - - -

5,�1

4,�7

9

22,0

42,5

16

2�0,

461 - - - -

22,2

72,9

77

1,2�

7,94

0

1,9

42 - - - -

1,2�

9,88

2

�,80

9,28

5

2,79

5

�8,7

45 -

18,2

86 -

�,86

9,11

1

4,9�

9,�1

�

158,

266

112,

094

�,7

04

14,6

54

��,�

50

5,26

1,�8

1

�2,0

29,0

54

�9�,

464

150,

8�9

�,7

04

�2,9

40

��,�

50

�2,6

4�,�

51

796,

747,

075

7,89

6,84

1

19,�

88,5

46

1,0

90,4

8�

4,65

4,5�

0

2,19

6,06

6

8�1,

97�,

541

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIV

NA

ME

OF

PLA

N

Trin

idad a

ndTo

bago

gove

rnme

nTSe

curiT

ieSde

noTe

d in

T.T. $ $

morT

gage

S

$

real

eS

TaTe $

Trin

idad a

ndTo

bago

equi

TieS

$

Fixed

depo

SiT $

oThe

rTr

inida

d and

Toba

goaS

SeTS $

Trin

idad a

ndTo

bago

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy

$

Trin

idad &

Toba

gogo

vern

menT

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy$

10%

carr

icom:

equi

Ty $

10%

carr

icom:

gove

rnme

nT

$

10%

ca

rrico

m:oT

her

$

ToTa

llo

cal

aSSe

TS $

90%

carr

icom:

equi

Ty $

90%

carr

icom:

gove

rnme

nT

$

90%

carr

icom:

oThe

r

$

Fore

ign

gove

rnme

nTSe

curiT

ieS

$

oThe

rFo

reig

nSe

curiT

ieS

$

Fore

ign

equi

Ty $

ToTa

lFo

reig

naS

SeTS $

ToTa

laS

SeTS

in Fu

nd $

ToTa

llo

cal

aSSe

Tra

Tio $

loca

l eq

uiTy $

100%

carr

icom:

equi

Ty $

100%

carr

icom:

gove

rnme

nT

$

100%

carr

icom:

oThe

r

$

Agos

tini I

nsur

ance

Bro

kers

Lim

ited

Pens

ion

Fund

Pla

n

Agos

tini’s

Lim

ited

Retir

emen

t Pla

n

Airp

orts

Aut

horit

y of

Trin

idad

&

Toba

go P

ensio

n Pl

an

ANSA

Mc

Al L

td. P

ensio

n Fu

nd P

lan

Asso

ciat

ed B

rand

s Lim

ited

Gro

upPe

nsio

n Pl

an

Atla

ntic

LN

G P

ensio

n Pl

an

Bank

of C

omm

erce

T’d

ad &

T’go

Lim

ited

Retir

emen

t Pla

n

Baw

odes

Pen

sion

Fund

Pla

n

Berg

er P

aint

s T’d

ad L

td.

Pens

ion

Plan

(F

or M

onth

ly P

aid

Empl

oyee

s)

BPTT

LLC

Pen

sion

Plan

Briti

sh A

mer

ican

Insu

ranc

e Co

.(T

’dad

) Lim

ited

Pens

ion

Fund

Pla

n

Briti

sh G

as Tr

inid

ad L

imite

dPe

nsio

n F

und

Plan

BWIA

Pilo

ts P

ensio

n Pl

an

Carib

bean

Indu

stria

l Res

earc

hIn

stitu

te P

ensio

n Fu

nd P

lan

Carib

bean

Ispa

t Lim

ited

Empl

oyee

s Pe

nsio

n Pl

an

Cent

ral B

ank

of T

’dad

& T

’go

Pens

ion

Fund

Pla

n

Citib

ank

of (T

’dad

&T’

go)

Lim

ited

Pens

ion

Fund

Coca

Col

a Bo

ttlin

g (T

’dad

&T’

go) P

ensio

n Pl

an

Cons

olid

ated

Insu

ranc

eCo

nsul

tant

s Ltd

.Pe

nsio

n Fu

nd P

lan

Coop

ers a

nd L

ybra

nd

Pen

sion

Fund

Pla

n

Cour

ts Tr

inid

ad L

imite

dPe

nsio

n Pl

an

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Pens

ion

Fund

Dev

elop

men

t Fin

ance

Lim

ited

Pens

ion

Fund

Pla

n

EOG

Res

ourc

es Tr

inid

ad L

td.

Pens

ion

Fund

Pla

n

E &

Y Se

rvic

es L

imite

dPe

nsio

n Sc

hem

e

Carr

y F

orw

ard

1 2 � 4 5 6 7 8 9 10

11

12

1�

14

15

16

17

18

19

20

21

22

2�

24

25

6,955

,807

9,261

,�88

5,16�

,621

2,500

,468

15,89

8,��0

1,525

,26�

1,80

0,700

1,�40

,595

12,15

4,674

54,11

0,916

16,44

2,9�0

1,420

,268

6,�40

,649

1,162

,090

1,9�4

,051

1,684

,541

2,240

,97�

1,056

,888

2,108

,007

145,1

02,15

9

- -

1,170

,177

��4,1

72

5,240

,��8 - - -

45,47

6

10,59

5,262

181,8

81 -

�90,8

81 - - -

1,11

9,162

- -

19,07

7,�49

- - - - - - - - -

- - - - - - - - - - -

25,11

4,284

�0,58

2,004

18,9�

�,4�1

16,27

4,�27

74,05

7,828

-

5,52

4,780

4,914

,979

76,06

0,619

248,8

25,55

2

25,98

6,108

5,612

,655

47,01

7,51�

2,268

,574

6,216

,817

14,66

�,476

1�,25

0,797

4,171

,726

14,77

8,�10

6�4,2

5�,78

0

6,448

,659 - - -

5,694

,659 -

�,8�

4,820

4,5�0

,�15

1,025

,000

75,�0

1,570

-

586,7

74

�,42

2,000

-

199,1

59 - -

1,150

,977

�,689

,481

105,8

8�,41

4

15,76

4,400

�5,�9

7,991

21,24

5,5�0

15,00

6,20�

79,9�

4,�50

6,450

,469

1,61

4,�56

6,948

,�56

�9,��

0,98�

177,4

�6,12

8

18,55

8,404

8,�50

,998

28,67

1,747

11,22

6,981

8,�46

,279

11,80

5,240

16,07

7,5�2

1,866

,952

8,641

,984

512,6

74,88

�

89,80

�

1,576

,986

1,606

,727

2,724

,955

1,904

,641 - -

68,84

9.00

1,5�

9,817

1,281

,248

65�,1

79 -

6,�72

,�04 -

89,80

�

966,7

78

1,004

,2�2

85,59

8

68,47

9

20,0�

�,�99

510,9

92 -

��7,6

97

��7,6

97

2,856

,188 - - - -

�,787

,4�5

6,7�2

,076 -

676,6

�8 -

99,7�

1

270,6

55

675,�

94 -

1,919

,01�

18,20

�,516

148,6

50

82,99

0

459,4

�0

299,6

70

525,1

18 -

5�8,5

45

�2,97

4 -

1,70

5,295

472,5

70

�8,12

8 -

68,02

0

46,47

4 -

��2,5

6�

�1,55

0

105,2

81

4,887

,257

-

12,50

�

154,�

20

114,0

8�

1�2,0

05 -

299,4

44

�1,20

4 -

1�4,1

95

12�,�

8� - -

64,68

0 - - -

25,95

5

15,�7

5

1,107

,147

- -

151,0

82

57,80

9 - - -

��,98

1 -

415,�

97

14,86

4 - - - - - - - -

67�,1

�2

55,0�

2,595

76,91

�,862

49,22

2,016

�7,64

9,�8�

186,2

4�,45

6

7,97

5,7�2

1�,61

2,644

17,90

1,25�

1�0,1

56,56

9

57�,5

92,99

8

69,16

5,�95

16,00

8,82�

92,89

1,7�2

14,79

0,�45

16,9�

2,�14

29

,�90,6

90

�4,70

0,65�

8,�8

9,646

�1,�2

5,9�0

1,461

,896,0

�6

1,��

7,852

746,9

10

4,1�

4,870

2,69

7,0�0

4,72

6,058

-

4,84

6,901

296,7

67 -

15,�4

7,654

4,25

�,1�0

�4�,1

5� -

612,1

81

418,2

67 -

2,99

�,065

28�,9

46

947,5

�1

4�,98

5,�15

-

112,5

24

1,�8

8,884

1,02

6,744

1,18

8,042

-

2,69

4,992

280,8

�8 -

1,20

7,759

1,11

0,445

- -

582,1

20 - - -

2��,5

95

1�8,�

77

9,964

,�19

- -

1,�5

9,7�9

520,2

77 - - -

�05,8

28 -

�,7�

8,569

1��,7

77 - - - - - - - -

6,058

,190

- - - - - - - - - -

2,860

,2�6 - -

286,7

87 - - -

�,147

,02�

- - - -

2,86

0,�52

- - - - - - -

18�,6

05 - - -

�,04�

,957

4,664

,292

951,4

4�

1,650

,6�0

2,�14

,6�4

20,26

6,�5�

-

994,9

05

2,777

,877

46,��

0,�24

4,754

,769

896,�

82

7,11

4,�82

797,7

91

1,�44

,082

521,7

00 -

600,4

42

�,521

,255

99,50

1,261

6,002

,144

1,810

,877

8,5�4

,12�

6,558

,686

29,04

0,806

-

7,541

,892

1,878

,��8

2,777

,877

66,62

4,�05

10,25

2,121

1,2�9

,5�5

9,974

,618

1,992

,092

1,762

,�49

992,0

92

2,99�

,065

1,117

,98�

4,607

,16�

165,7

00,06

5

61,0�

4,7�9

78,72

4,7�9

57,75

6,1�8

44,20

8,069

215,2

84,26

2

7,975

,7�2

21,15

4,5�6

19,77

9,591

1�2,9

�4,44

6

640,2

17,�0

�

79,41

7,516

17,24

8,�58

102,8

66,�5

0

16,78

2,4�7

18,69

4,66�

�0,�8

2,782

�7,69

�,718

9,507

,629

�5,9�

�,09�

1,627

,596,1

01

90.17

97.70

85.22

85.16

86.51

100.0

0

64.�5

90.50

97.91

89.59

87.09

92.81

90.�0

88.1�

90.57

96.7�

92.06

88.24

87.18

89.82

41

�9

��

�7

�4 0 26

25

57

�9

��

��

46

14

��

48

�5

44

41

�9

1,486

,502

829,9

00

4,594

,�00

2,996

,700

1,29�

,640

5,251

,176 -

5,�85

,445

�29,7

41 -

17,05

2,949

4,725

,700

�81,2

81 -

680,2

01

464,7

41 -

�,�25

,628

�15,4

96

1,052

,812

50,16

6,212

-

125,0

27

1,54�

,204

1,140

,827

520,0

69

1,�20

,047 -

208,0

28

8,622

,858

2,994

,4�5

�12,0

42 -

1,�41

,954

1,2��

,828 - -

646,8

00 - - -

259,5

50

15�,7

52

20,42

2,421

- -

1,510

,821

578,0

86 - - -

497,�

8� -

��9,8

09 -

4,15�

,965

148,6

41 - - - - - - - -

7,228

,705


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIV

cont

inue

d

NA

ME

OF

PLA

N

Trin

idad a

ndTo

bago

gove

rnme

nTSe

curiT

ieSde

noTe

d in

T.T. $ $

morT

gage

S

$

real

eS

TaTe $

Trin

idad a

ndTo

bago

equi

TieS

$

Fixed

depo

SiT $

oThe

rTr

inida

d and

Toba

goaS

SeTS $

Trin

idad a

ndTo

bago

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy

$

Trin

idad &

Toba

gogo

vern

menT

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy$

10%

carr

icom:

equi

Ty $

10%

carr

icom:

gove

rnme

nT

$

10%

ca

rrico

m:oT

her

$

ToTa

llo

cal

aSSe

TS $

90%

carr

icom:

equi

Ty $

90%

carr

icom:

gove

rnme

nT

$

90%

carr

icom:

oThe

r

$

Fore

ign

gove

rnme

nTSe

curiT

ieS

$

oThe

rFo

reig

nSe

curiT

ieS

$

Fore

ign

equi

Ty $

ToTa

lFo

reig

naS

SeTS $

ToTa

laS

SeTS

in Fu

nd $

ToTa

llo

cal

aSSe

Tra

Tio $

loca

l eq

uiTy $

100%

carr

icom:

equi

Ty $

100%

carr

icom:

gove

rnme

nT

$

100%

carr

icom:

oThe

r

$Br

ough

t For

war

d

Ferre

ira O

ptic

al L

imite

d Pe

nsio

n Fu

nd P

lan

Firs

t Citi

zens

Ban

k Pe

nsio

n Pl

an

Guy

ana

and

Trin

idad

Mut

ual F

ire

Insu

ranc

e Co

mpa

nyPe

nsio

n Fu

nd P

lan

Han

d Ar

nold

(Trin

idad

) Lim

ited

Pens

ion

Fund

Pla

n

H. S

. Ser

vice

s Ltd

. Pen

sion

Fund

Pla

n

Hyd

ro A

gri T

rinid

ad L

imite

d H

ourly

Paid

Em

ploy

ees’

Pens

ion

Plan

Hyd

ro A

gri T

rinid

ad L

imite

dSa

larie

d Em

ploy

ees’

Pens

ion

Plan

Indu

stria

l Age

ncie

s Ltd

.Pe

nsio

n Fu

nd

I.B.M

. Non

-Con

trib

utor

y Pe

nsio

n Fu

nd P

lan

Leve

r Bro

ther

s Wes

t Ind

ies L

imite

dPe

nsio

n Fu

nd P

lan

Man

dev

Qua

lass

ure

Pens

ion

Fund

Pla

n

Meg

a In

sura

nce

Com

pany

Lim

ited

Pens

ion

Pla

n

MTS

Pen

sion

Fun

d Pl

an

Nat

iona

l Gas

Com

pany

Pen

sion

Fund

Pla

n

Nat

iona

l Ins

uran

ce B

oard

Pen

sion

Fund

Pla

n

Nat

iona

l Ins

uran

ce P

rope

rty

Dev

. Co.

Ltd

. Pen

sion

Fund

Pla

n

Nat

iona

l Uni

on o

f G

over

nmen

t and

Fe

dera

ted

Wor

kers

Ele

cted

Offi

cers

Pe

nsio

n F

und

Plan

Nat

iona

l Uni

on o

f G

over

nmen

t and

Fe

dera

ted

Wor

kers

Sta

ffPe

nsio

n F

und

Plan

Nea

l & M

assy

Gro

upPe

nsio

n Fu

nd P

lan

Nes

tle Tr

inid

ad a

nd To

bago

Lim

ited

Pens

ion

Pla

n

Nes

tle Tr

inid

ad a

nd To

bago

Lim

ited

Uni

onise

d Em

ploy

ees’

Pen

sion

Pla

n

Nih

erst

Pen

sion

Fund

Pla

n

PCS

Nitr

ogen

Trin

idad

Lim

ited

Pens

ion

Fund

Pla

n 1

( For

mer

ly A

rcad

ian

Trin

idad

)

PCS

Nitr

ogen

Trin

idad

Lim

ited

Pens

ion

Fun

d Pl

an 2

(Fo

rmer

ly

Trin

idad

and

Toba

go U

rea)

Pheo

nix

Park

Gas

Trin

idad

Lim

ited

Staff

Pen

sion

Fund

Pla

n

Car

ry F

orw

ard

26

27

28

29

�0

�1

�2

��

�4

�5

�6

�7

�8

�9

40

41

42

4�

44

45

46

47

48

49

50

145,1

02,15

9

1,165

,250

72,44

�,�52

2,542

,416

4,262

,896

2,4�8

,600

27,52

2,8�7

2,60

4,115

625,�

7�

52,�9

5,09�

4,196

,9�1

1,065

,�77

2,517

,��7

40,92

1,058

2,514

,8�8

15,17

6,�17

2,822

,847

�,6�5

,881

�80,�

16,79

6

19,07

7,�49

1,651

,1�4

1,86

7,702

1,017

,997

648,7

74 - -

574,7

�2 -

560,8

1� - - -

11,06

2,764

-

4,719

,671 -

180,4

��

41,18

0,9�6

- - - - - - - - - - - - - - - - - - -

6�4,2

5�,78

0

4,740

,862

�25,4

2�,62

8

�0,42

0,272

�0,79

5,9�0

-

78,68

�,�17

11,70

0,�60

69,41

�,525

�62,1

24,68

0

25,89

�,96�

795,6

42

10,51

5,68�

685,0

9�,10

�

8,�05

,590

1�0,0

49,57

9

8,246

,��2

9,740

,502

2,41

6,456

,246

105,8

8�,41

4 -

2,72

7,796

- - -

14,28

�,688

-

15,22

7,490

4,428

,228

�15,0

00 -

597,5

44

10,00

0,000

1,118

,878 - - -

154,5

82,0�

8

512,6

74,88

�

2,997

,7�4

200,1

71,89

5

2�,20

2,�06

22,67

5,875

�5,�7

1,685

60,7�

�,1�6

10,22

2,789

117,1

48,6�

�

190,7

40,97

5

1�,56

1,689

878,�

77

10,48

8,085

�11,4

02,62

9

10,76

8,144

146,9

82,74

2

7,1�0

,�09

10,0�

9,146

1,677

,151,8

86

20,0�

�,�99

862,4

51

22,97

9,478

2,565

,519

547,5

71 -

508,8

42

1,25

6,107

477,0

�5

5,6�8

,091

1,29

7,785

-

41,46

6

�6,76

9,858

78�,8

�5

26,92

5,1��

802,6

45

1,480

,997

121,4

89,21

5

18,20

�,516

1��,1

28 -

��8,�

19

��7,6

97 -

5,997

,908

��7,6

97 -

12,01

4,410

- -

55,91

2

10,76

4,472

-

�,�76

,970 - -

51,56

0,029

4,887

,257

5�,25

0

81�,7

60

409,�

�5

1�4,4

00 -

91,94

8

105,1

02

2,26

9,90�

1,20

8,675

186,0

75

28,�4

2

40,20

0 -

20,06

0

666,1

00 -

1�2,0

�5

10,91

4,407

1,107

,147

25,77

�

1,26

�,517

180,4

79

207,5

21 -

1�0,5

62

97,�8

8

16,�0

8

2�5,2

45

1�,04

1

7,28

1

�,26

2 -

4,87

4

446,�

85

�6,98

2

61,55

1

�,775

,76�

67�,1

�2 - -

9,56

2.10

59,06

1 -

186,4

1�

17,95

0 - - - - - - -

�55,8

�7 -

19,97

9

1,�01

,954

1,461

,896,0

�6

11,62

9,582

627,6

91,12

8

60,68

6,205

59,66

9,726

�7,81

0,285

188,1

�8,65

1

26,91

6,240

205,1

78,26

7

629,�

46,21

0

45,46

4,484

2,77

5,019

24,25

9,489

1,10

6,01�

,884

2�,51

6,219

�28,6

98,7�

4

19,0�

9,115

25,29

0,524

4,858

,729,2

71

4�,98

5,�15

479,2

50

7,�2

�,840

�,68

4,015

1,20

9,600

-

827,5

�4

945,9

18

20,42

9,127

10,87

8,075

1,67

4,675

255,0

78

�61,8

00 -

180,5

40

5,99

4,900

-

1,18

8,�15

98,22

9,667

9,964

,�19

2�1,9

5�

11,�7

1,65�

1,62

4,�09

1,86

7,692

-

1,17

5,056

876,4

95

146,7

70

2,11

7,208

117,�

69

65,52

9

29,�5

4 -

4�,86

2

4,01

7,464

��2,8

�6

55�,9

61

��,98

1,870

6,058

,190 - -

86,05

9

5�1,5

52 -

1,67

7,71�

161,5

46 - - - - - - -

�,20

2,5�1

-

179,8

08

11,71

7,590

�,147

,02� - - - - - - - - - - - -

19,19

9,449

- - - -

22,�4

6,472

�,04�

,957 - - - - - - - - - - - - - - - - -

�,04�

,957

99,50

1,261

268,1

47

15,52

5,475

9�0,1

47

2,667

,850

10,8�

5,499

24,02

6,61�

�27,�

�8

2�,70

6,49�

15,�6

1,644

67�,5

09

147,7

8�

150,1

26

18,6�

5,�17

264,8

95

21,28

0,489

1,992

,014

1,586

,086

2�6,2

94,60

0

165,7

00,06

5

979,�

50

�4,22

0,968

6,�24

,5�0

6,276

,69�

10,8�

5,499

27,70

6,916

2,�11

,296

44,28

2,�90

28,�5

6,927

2,465

,55�

468,�

90

541,2

80

�7,8�

4,766

489,2

97

�4,49

5,�84

2,�24

,850

�,508

,170

405,6

14,15

5

1,627

,596,1

01

12,60

8,9�2

661,9

12,09

6

67,01

0,7�5

65,94

6,419

48,64

5,784

215,8

45,56

6

29,22

7,5�6

249,4

60,65

7

657,7

0�,1�

7

47,9�

0,0�7

�,24�

,409

24,80

0,769

1,14�

,848,6

50

24,00

5,515

�6�,1

94,11

8

21,�6

�,965

28,79

8,694

5,264

,�4�,4

26

89.82

92.2�

94.8�

90.56

90.48

77.7�

87.16

92.09

82.25

95.69

94.86

85.56

97.82

96.69

97.96

90.50

89.12

87.82

92.�0

�9

�8

49

45

47 0 �6

40

28

55

54

25

42

60

�5

�6

�9

�4

46

50,16

6,212

5�2,5

00

8,1�7

,600

4,09�

,�50

1,�44

,000 -

919,4

82

1,051

,020

22,69

9,0�0

12,08

6,750

1,860

,750

28�,4

20

402,0

00 -

200,6

00

6,661

,000 -

1,�20

,�50

110,4

�7,71

4

20,42

2,421

257,7

26

12,6�

5,170

1,804

,788

2,075

,21� -

1,�05

,618

97�,8

8�

16�,0

78

2,�52

,45�

1�0,4

10

72,81

0

�2,61

6 -

48,7�

5

4,46�

,849

�69,8

18

615,5

12

47,10

8,588

7,228

,705 - -

95,62

1

590,6

1� -

1,864

,125

179,4

95 - - - - - - -

�,558

,�68 -

199,7

87

1�,51

6,927


TABL

ESD

EPO

SIT

AD

MIN

ISTR

ATIO

N P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT

- 200

5

TABL

E XX

XIV

cont

inue

d

NA

ME

OF

PLA

N

Trin

idad a

ndTo

bago

gove

rnme

nTSe

curiT

ieSde

noTe

d in

T.T. $ $

morT

gage

S

$

real

eS

TaTe $

Trin

idad a

ndTo

bago

equi

TieS

$

Fixed

depo

SiT $

oThe

rTr

inida

d and

Toba

goaS

SeTS $

Trin

idad a

ndTo

bago

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy

$

Trin

idad &

Toba

gogo

vern

menT

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy$

10%

carr

icom:

equi

Ty $

10%

carr

icom:

gove

rnme

nT

$

10%

ca

rrico

m:oT

her

$

ToTa

llo

cal

aSSe

TS $

90%

carr

icom:

equi

Ty $

90%

carr

icom:

gove

rnme

nT

$

90%

carr

icom:

oThe

r

$

Fore

ign

gove

rnme

nTSe

curiT

ieS

$

oThe

rFo

reig

nSe

curiT

ieS

$

Fore

ign

equi

Ty $

ToTa

lFo

reig

naS

SeTS $

ToTa

laS

SeTS

in Fu

nd $

ToTa

llo

cal

aSSe

Tra

Tio $

loca

l eq

uiTy $

100%

carr

icom:

equi

Ty $

100%

carr

icom:

gove

rnme

nT

$

100%

carr

icom:

oThe

r

$Br

ough

t For

war

d

Poin

t Lisa

s Ind

ustr

ial D

evel

opm

ent

Corp

orat

ion

Pens

ion

Fund

Pla

n

Port

Aut

horit

y of

Trin

idad

and

Toba

go

(Dai

ly/W

eekl

y) P

ensio

n Fu

nd P

lan

Port

Aut

horit

y of

Trin

idad

and

Toba

go(M

onth

ly P

aid)

Pen

sion

Fund

Pla

n

Pric

ewat

erho

use

Coop

ers

Pens

ion

Plan

RBTT

Pen

sion

Plan

Regi

onal

Hea

lth A

utho

rity

Pens

ion

Plan

Repu

blic

Ban

k Lt

d. P

ensio

n Fu

nd P

lan

Scot

iaba

nk Tr

inid

ad a

nd T

obag

o L

td.

Pens

ion

Fund

Pla

n

Serv

ol L

imite

d Pe

nsio

n Fu

nd P

lan

Tele

com

mun

icat

ions

Ser

vice

s of T

’dad

&T’g

o Li

mite

d Pe

nsio

n Fu

nd P

lan

Texa

co (T

rinid

ad) L

imite

d St

affRe

tirem

ent P

lan

The

Dem

erar

a Li

fe A

ssur

ance

Co.

of

Trin

idad

and

Toba

go L

imite

d Sa

les

Staff

Pen

sion

Fund

Pla

n

The

Hom

e M

ortg

age

Bank

Pen

sion

Fund

Pla

n

The

Mer

cant

ile B

anki

ng a

nd F

inan

cial

Corp

orat

ion

Lim

ited

Pens

ion

Fund

Pla

n

Thom

as P

eake

& C

ompa

ny L

imite

d Pe

nsio

n Pl

an

Trin

idad

Bui

ldin

g an

d Lo

anAs

soci

atio

nPe

nsio

n Fu

nd P

lan

Trin

idad

Cem

ent L

imite

d Em

ploy

ees

Pens

ion

Fund

Trin

idad

Hilt

on L

imite

dPe

nsio

n Fu

nd P

lan

Trin

idad

and

Toba

go E

lect

ricity

Co

mm

issio

n Pe

nsio

n Fu

nd P

lan

Trin

idad

and

Toba

go E

lect

ricity

Co

mm

ision

Pro

vide

nt F

und

Trin

idad

and

Toba

go E

xter

nal T

ele-

Com

mun

icat

ions

Com

pany

Lim

ited

Pen

sion

Fund

Pla

n

Trin

idad

and

Toba

go M

etha

nol C

o.Pe

nsio

n Fu

nd P

lan

T’da

d &

T’go

Nat

iona

l Pet

role

um

Mar

ketin

g Co

mpa

ny L

td.

Cont

ribut

ory

Pens

ion

Plan

1

T’da

d &

T’go

Nat

iona

l Pet

role

um

Mar

ketin

g Co

mpa

ny L

td.

Cont

ribut

ory

Pen

sion

Plan

11

Trin

toc

Lim

ited

Cont

ribut

ory

Pens

ion

Pla

n ‘A

’

Carr

y F

orw

ard

51

52

5�

54

55

56

57

58

59

60

61

62

6�

64

65

66

67

68

69

70

71

72

7�

74

75

�80,�

16,79

6

11,05

9,840

-

�2,81

�,478

18�,4

10,69

2

66,�1

�,7�5

588,7

00

��,81

8,661

4,5�4

,5�8

�9,79

6

1,046

,572

1,478

,��5

1,891

,0�7

��,5�

8,147

4,192

,144

87,68

5,771

-

46,57

�,885

7,56

4,774

10,99

6,22�

17,24

6,066

60,48

8,��5

985,5

97,52

5

41,18

0,9�6

- -

�01,8

91

21,8�

8,748

12,51

5,920

-

2,102

,206 - - - - -

1�,2�

1,8�1

-

109,5

01,51

8 -

11,56

0,627

629,7

02 -

5,�68

,92�

15,86

0,2�8

2�4,0

92,54

0

- - - -

4,98�

,72�

15,94

7,�4�

- - - - - - - - - - - - - - - -

20,9�

1,066

2,416

,456,2

46

9,1�2

,�70

1,64

1,4��

-

902,7

50,74

4

1�1,9

86,45

6

9,114

,178

215,5

27,55

6

19,85

9,99�

6,549

,498

55,80

0

8,769

,79�

8,958

,569

285,7

17,45

8

24,04

5,086

2,2��

,461,9

78 -

240,9

59,11

5

12,80

1,745

8�,96

1,549

92,82

8,859

�98,9

0�,54

6

7,10�

,481,9

72 15

4,582

,0�8

1,500

,000 - -

�29,5

67,4�

1

6,000

,000 -

20,04

9,584

1,771

,897 - -

5�,00

1 -

69,22

1,25�

6,284

,874

105,8

82,�4

9 - -

107,2

28,92

5

17,88

�,402

- - 82

0,024

,754

1,677

,151,8

86

27,66

8,906

27,9�

4,25�

99,72

0,��7

5��,9

0�,22

4

1�7,�

�2,55

2

7,121

,785

94�,4

85,82

7

12,45

6,902

4,899

,278

1,5�6

,512

8,264

,964

6,5�5

,840

1�0,7

11,22

0

17,99

7,969

708,6

78,�1

6

11,07

9,5�6

1�9,5

62,51

6

12,79

8,0�5

6�,46

4,175

90,12

0,189

228,5

87,55

6

4,891

,011,7

78 12

1,489

,215 - - -

�,12�

,281

7,22

9,900

-

27,77

4,5�9

�06,0

42 - -

44,90

2 -

2,800

,051 - - -

28,9�

0,420

-

1,821

,991

12,25

4,857

�1,96

7,058

2�7,7

42,25

6

10,91

4,407

184,2

60 - -

7,15

8,��7

- - -

148,2

50 -

- 1

0,500

.00

6�,09

5 -

1,80

2,8�7

149,9

�5

20,02

9,554

- -

�4,77

5

567,5

9�

1,09

4,096

916,1

01

4�,07

�,741

�,775

,76� - - -

4,57

0,21�

- - -

20,80

� - -

21,84

� -

�21,9

�6

52,00

7 - - -

124,8

17

271,5

07 -

2,�5

0,690

11,50

9,578

1,�01

,954 - - -

�21,9

24 - - - - - - - -

52�,7

45 - - - - -

600,5

91 -

1�9,4

48

2,887

,662

4,858

,729,2

71

49,54

5,�76

29,57

5,686

1�2,8

�5,70

6

2,02

�,�90

,726

410,2

�2,42

8

17,12

2,679

1,24

4,715

,7�1

�9,09

8,425

11,48

8,572

2,64

9,�84

18,77

7,�48

17,�8

5,446

551,�

66,00

9

52,72

2,015

�,�1

5,682

,829

11,07

9,5�6

477,1

9�,22

9

141,8

47,64

4

180,�

88,44

5

219,2

85,59

0

7�9,2

12,97

1

14,54

4,�25

,045

98,22

9,667

1,65

8,�40

- -

64,42

5,0�2

- - -

1,��

4,251

-

94,50

0

567,8

57 -

16,22

5,5�7

1,�4

9,415

180,2

65,98

2 - -

�12,9

75

5,10

8,�41

9,84

6,866

8,24

4,905

�87,6

6�,66

6

��,98

1,870

- - -

41,1�

1,91�

- - -

187,2

24 - -

196,5

86 -

2,89

7,421

468,0

62 - - -

1,12

�,�50

2,44

�,567

-

21,15

6,207

10�,5

86,20

1

11,71

7,590

- - -

2,89

7,�14

- - - - - - - -

4,71

�,707

- - - - -

5,40

5,�18

-

1,25

5,028

25,98

8,956

- -

5,000

,000 -

18,65

7,�40

8,446

,297 - - - - - - - -

�0,14

5,298

-

20,62

2,1�7

- -

82,87

1,072

�,04�

,957 - - - - -

10,86

6,100

- - - - -

6,765

,991 - - -

6,�0

5,1�6

- - -

26,98

1,184

2�6,2

94,60

0 - - -

260,�

97,�9

�

4,82

4,627

1,7�

1,067

2�,69

7,458

5,14

4,190

- -

1,986

,921 -

17,04

8,284

�,7��

,557 - -

24,41

5,490

15,41

7,711

-

1,915

,890

52,48

9,845

649,0

97,0�

�

405,6

14,15

5

1,658

,�40 -

5,000

,000

�68,8

51,65

�

2�,48

1,967

1,7�1

,067

4�,00

9,855

6,665

,665 -

94,50

0

2,751

,�64 -

47,65

0,940

5,551

,0�4

180,2

65,98

2 -

60,86

5,924

16,85

4,0�6

��,57

9,�62

11,76

2,756

8�,14

5,984

1,298

,5�4,5

85 5,2

64,�4

�,426

51,20

�,716

29,57

5,686

1�7,8

�5,70

6

2,�9

2,242

,�79

4��,7

14,�9

5

18,85

�,746

1,287

,725,5

86

45,76

4,090

11,48

8,572

2,74�

,884

21,52

8,712

17,�8

5,446

599,0

16,94

9

58,27

�,049

�,49

5,948

,811

11,07

9,5�6

5�8,0

59,15

�

158,7

01,68

0

21�,9

67,80

7

2�1,0

48,�4

6

822,�

58,95

5 15

,842,8

59,6�

0

92.�0

96.76

100.0

0

96.�7

84.58

94.59

90.82

96.66

85.4�

100.0

0

96.56

87.22

100.0

0

92.05

90.47

94.84

100.0

0

88.69

89.�8

84.�1

94.91

89.89

91.80

46

18 6 0 �8

�0

48

17

4�

57 2 41

52

48

41

64 0 45 8 �9

40

49

45 11

0,4�7

,714

1,842

,600 - -

71,58

�,�69

- - -

1,482

,501 -

105,0

00

6�0,9

52 -

18,02

8,�74

1,499

,�50

200,2

95,5�

6 - -

�47,7

50

5,675

,9�4

10,94

0,962

9,161

,005

4�2,0

�1,04

7

47,10

8,588

- - -

45,70

2,126

- - -

208,0

27 - -

218,4

29 -

�,219

,�57

520,0

69 - - -

1,24

8,167

2,715

,074 -

2�,50

6,897

124,4

46,7�

4

1�,51

6,927

- - -

�,219

,2�8 - - - - - - - -

5,2�7

,452 - - - - -

6,005

,909 -

1,�94

,475

29,�7

4,001

51,56

0,029

- - -

�1,76

2,410

�2,90

6,522

298,0

16

1,957

,�58 - - -

81,41

5 -

1�,49

7,5�1

-

50,44

�,�4�

-

9,606

,666

664,8

71

821,4

1�

�72,6

00 -

19�,9

72,17

4


TABL

ESTA

BLE

XXXI

V co

ntin

ued

DEP

OSI

T A

DM

INIS

TRAT

ION

PEN

SIO

N F

UN

D P

LAN

S - R

EVEN

UE

ACCO

UN

T - 2

005

NA

ME

OF

PLA

N

Trin

idad a

ndTo

bago

gove

rnme

nTSe

curiT

ieSde

noTe

d in

T.T. $ $

morT

gage

S

$

real

eS

TaTe $

Trin

idad a

ndTo

bago

equi

TieS

$

Fixed

depo

SiT $

oThe

rTr

inida

d and

Toba

goaS

SeTS $

Trin

idad a

ndTo

bago

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy

$

Trin

idad &

Toba

gogo

vern

menT

Secu

riTieS

deno

Ted i

nFo

reig

ncu

rren

cy$

10%

carr

icom:

equi

Ty $

10%

carr

icom:

gove

rnme

nT

$

10%

ca

rrico

m:oT

her

$

ToTa

llo

cal

aSSe

TS $

90%

carr

icom:

equi

Ty $

90%

carr

icom:

gove

rnme

nT

$

90%

carr

icom:

oThe

r

$

Fore

ign

gove

rnme

nTSe

curiT

ieS

$

oThe

rFo

reig

nSe

curiT

ieS

$

Fore

ign

equi

Ty $

ToTa

lFo

reig

naS

SeTS $

ToTa

laS

SeTS

in Fu

nd $

ToTa

llo

cal

aSSe

Tra

Tio $

loca

l eq

uiTy $

100%

carr

icom:

equi

Ty $

100%

carr

icom:

gove

rnme

nT

$

100%

carr

icom:

oThe

r

$Br

ough

t For

war

d

Trin

toc

Lim

ited

Cont

ribut

ory

Pens

ion

Plan

‘B’

Trin

idad

& To

bago

Oil

Com

pany

Li

mite

dN

on C

ontr

ibut

ory

Pens

ion

Fund

Pla

n

Trin

toc

Lim

ited

Empl

oyee

sBe

nefit

Pla

n

Trin

toc

Lim

ited

Staff

Ret

irem

ent P

lan

Trin

idad

and

Toba

go P

etro

leum

Co. L

td. E

mpl

oyee

sPe

nsio

n Fu

nd P

lan

Trin

idad

and

Toba

go P

etro

leum

Com

pany

Ltd

.Sta

ffPe

nsio

n Pl

an

Trin

idad

and

Toba

go P

ort C

ontr

acto

rs

Lim

ited

Pens

ion

Fund

Pla

n

T’da

d &

T’go

Tele

phon

e Co

. Ltd

.St

aff P

ensio

n Pl

an

Trin

idad

and

Toba

go U

nit T

rust

Co

rpor

atio

n Pe

nsio

n Pl

an

Trin

mar

Em

ploy

ees B

enefi

t Pla

n

Trin

topl

an C

onsu

ltant

Lim

ited

Staff

Pens

ion

Fund

Pla

n

T. G

edde

s Gra

nt S

taff

Savi

ngs a

ndPe

nsio

n Fu

nd P

lan

T. G

edde

s Gra

nt L

imite

d Pe

nsio

n Fu

nd P

lan

Wat

er a

nd S

ewer

age

Auth

ority

Pe

nsio

n Pl

an

Wes

t In

dian

Toba

cco

Com

pany

Ltd

. P

ensio

n Pl

ans

Y. D

e Li

ma

& Co

mpa

ny L

imite

d St

aff P

ensio

n Fu

nd P

lan

GRA

ND

TOTA

L

76

77

78

79

80

81

82

8�

84

85

86

87

88

89

90

91

985,5

97,52

5

71,40

5,151

11,06

2,7�6

10�,9

�5,27

0

177,9

8�,60

1 -

�5,�9

1,658

7,078

,970

1,511

,0�8

14,10

2,000

91,48

0,806

10,66

4,641

1,226

,984

1,511

,440,�

80 2�

4,092

,540

12,51

4,021

11,95

0

17,50

9,092

8,594

,67� -

10,4�

0,429

216,1

57 - - -

2,004

,6�5

�0�,0

86

285,6

76,58

�

20,9�

1,066

- - - - - - - - - - -

20,9�

1,066

7,10�

,481,9

72

�89,9

41,16

2

76,1�

2,550

477,6

10,07

8

870,4

4�,12

2 -

171,5

99,9�

9

46,79

�,979

��,47

6,400

297,1

97,00

0

286,7

28,96

5

�9,10

0,459

1,672

,890

9,794

,178,5

16 82

0,024

,754 -

464,5

05 -

67,74

4,000

- -

2,766

,944 -

22,00

0,000

14,84

2,704

- -

927,8

42,90

7

4,891

,011,7

78

29�,5

56,57

9

��,62

4,�60

��,0

76,60

�

546,4

99,25

4

62,18

4,122

1�4,2

9�,75

5

29,72

9,�46

19,9�

8,552

228,�

47,00

0

125,2

84,�2

0

26,50

9,75�

7,7�4

,795

6,7�1

,790,2

17 2�

7,742

,256

�7,28

5,954

6,586

,921

8�,87

1,�80

140,2

89,58

1 -

25,78

9,40�

1,491

,260 -

10,77

6,000

1,065

,267

18,04

0,401

170,0

99

56�,1

08,52

2

4�,07

�,741

2,91

0,5�0

-

�,12

1,200

5,5�

2,196

-

1,9�

6,892

-

267,0

00

2,99

7,000

241,1

75

8�4,8

72

54,02

5

60,96

8,6�0

11,50

9,578

1,96

2,879

155,2

50

1�,08

�,786

10,�9

6,807

-

1,6�

7,762

10,87

2

612,�

�4

2,29

4,800

107,4

��

1,27

5,842

-

4�,04

7,�4�

2,887

,662

1�9,4

48 - -

1,76

2,452

-

467,5

06 - -

680,0

00 - -

7,11

7

5,944

,18�

14,54

4,�25

,045

809,7

15,72

�

128,0

�8,27

2

1,0�

2,207

,409

1,84

7,7�7

,690

62,18

4,122

�84,8

6�,72

5

88,46

6,490

56,11

6,874

585,1

59,80

0

522,2

09,8�

0

99,17

�,165

11,16

8,996

20,17

1,�67

,141

�87,6

6�,66

6

26,19

4,768

-

28,09

0,800

49,78

9,76�

-

17,4�

2,024

-

2,40

�,000

26,97

�,000

2,17

0,575

7,51

�,847

486,2

25

548,7

17,66

8

10�,5

86,20

1

17,66

5,912

1,�9

7,250

117,7

54,07

0

9�,57

1,266

-

14,7�

9,856

97,84

7

5,51

1,006

20,65

�,200

966,8

97

11,48

2,582

-

�87,4

26,08

6

25,98

8,956

1,25

5,028

- -

15,86

2,064

-

4,20

7,551

- -

6,12

0,000

- -

64,05

0

5�,49

7,649

82,87

1,072

11,16

�,718

-

5,55�

,902 - -

1,759

,904 - - - - -

101,�

48,59

6

26,98

1,184

- -

5,712

,678 - - - - -

2,106

,000 - - -

�4,79

9,862

649,0

97,0�

�

56,69

7,680

�,259

,476

58,04

�,00�

-

20,81

2,097

1,018

,774 -

8,905

,000

8,180

,764

5,8��

,718 -

811,8

47,54

5

1,298

,5�4,5

85

112,9

77,10

6

4,656

,726

157,1

11,45

0

217,2

66,09

6 -

58,95

1,4�2

1,116

,621

7,914

,006

64,75

7,200

11,�1

8,2�6

24,8�

0,147

550,2

75

1,959

,98�,8

79 15

,842,8

59,6�

0

922,6

92,82

9

1�2,6

94,99

8

1,189

,�18,8

58

2,065

,00�,7

86

62,18

4,122

44�,8

15,15

7

89,58

�,111

64,0�

0,880

649,9

17,00

0

5��,5

28,06

6

124,0

0�,�1

2

11,71

9,271

22,1�

1,�51

,020

91.80

87.76

96.49

86.79

89.48

100.0

0

86.72

98.75

87.64

90.04

97.88

79.98

95.�0

91.14

45

42

57

40

42 - �9

52

52

46

54

�2

14

44 4�

2,0�1

,047

29,10

5,298

-

�1,21

2,000

55,�2

1,959

-

19,�6

8,915

-

2,670

,000

29,97

0,000

2,411

,750

8,�48

,719

540,2

50

610,9

79,9�

8

124,4

46,7�

4

19,62

8,791

1,552

,500

1�0,8

�7,85

5

10�,9

68,07

� -

16,�7

7,618

108,7

19

6,12�

,�40

22,94

8,000

1,074

,��0

12,75

8,424

-

4�9,8

24,�8

4

29,�7

4,001

1,�94

,475 - -

17,62

4,516

-

4,675

,057 - -

6,800

,000 - -

71,16

7

59,9�

9,216

19�,9

72,17

4 - - -

18,49

2,004

-

�,�16

,�82

�78,9

62

�11,5

50

6,766

,000

2,459

,160

742,5

62 -

226,4

�8,79

4


TABL

ESSE

LF-A

DM

INIS

TERE

D P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT-

2005

TABL

E XX

XV

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$Ag

ostin

i Ins

uran

ce B

roke

rs L

imite

d Pe

nsio

n Fu

nd P

lan

Agos

tini’s

Lim

ited

Retir

emen

t Pla

n

AirP

orts

Aut

horit

y of

Trin

idad

&

Toba

go P

ensi

on P

lan

AN

SA M

c A

l Lim

ited

Pens

ion

Fund

Pla

n

Ass

ocia

ted

Bran

ds L

imite

d G

roup

Pens

ion

Plan

Atla

ntic

LN

G P

ensi

on P

lan

Bank

of C

omm

erce

Trin

idad

and

Toba

go

Lim

ited

Retir

emen

t Pla

n

Baw

odes

Pen

sion

Fun

d Pl

an

Berg

er P

aint

s Trin

idad

Ltd

. Pen

sion

Fu

nd P

lan

(For

Mon

thly

Pai

d Em

ploy

ees)

BPTT

LLC

Pen

sion

Pla

n

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny

(Trin

idad

) Lim

ited

Pens

ion

Fund

Pla

n

Briti

sh G

as T

rinid

ad L

imite

d Pe

nsio

n Fu

nd P

lan

BWIA

Pilo

ts P

ensi

on F

und

Plan

Carib

bean

Indu

stria

l Res

earc

h In

stitu

te P

ensi

on F

und

Plan

Carib

bean

Ispa

t Lim

ited

Empl

oyee

s Pe

nsio

n Pl

an

Cent

ral B

ank

of T

rinid

ad a

nd To

bago

Pens

ion

Fund

Pla

n

Citib

ank

of (T

rinid

ad a

nd To

bago

) Li

mite

d Pe

nsio

n Fu

nd

Coca

Col

a Bo

ttlin

g (T

rinid

ad a

nd To

bago

)Pen

sion

Pla

n

Cons

olid

ated

Insu

ranc

e Co

nsul

tant

s Li

mite

d Pe

nsio

n Fu

nd P

lan

Coop

ers

and

Lybr

and

Pen

sion

Fun

d Pl

an

Cour

ts T

rinid

ad L

imite

d Pe

nsio

n Pl

an

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Pens

ion

Fund

Dev

elop

men

t Fin

ance

Lim

ited

Pens

ion

Fund

Pla

n

EOG

Res

ourc

es T

rinid

ad L

td.

Pens

ion

Fund

Pla

n

E &

Y S

ervi

ces

Lim

ited

Pens

ion

Sche

me

Carr

ied

Forw

ard

1 2 � 4 5 6 7 8 9 10

11

12

1�

14

15

16

17

18

19

20

21

22

2�

24

25

58,9

96,6

02

71,4

61,1

69

5�,1

71,5

72

4�,�

76,4

��

196,

070,

080

7,22

8,72

�

14,

280,

�0�

15,4

78,6

45

117,

850,

725

626,

974,

26�

71,6

26,7

�6

15,6

47,9

77

90,0

07,�

05

11,6

41,8

62

16,5

05,4

11

25,2

08,1

07

�6,�

24,2

47

7,40

8,02

0

�1,4

26,0

09

1,51

0,68

4,18

9

684,

691

�,60

8,94

7

1,48

6,67

1

996,

798

24,

994

17�,

247

492

,191

2,09

5,0�

5

990

�,98

6,7�

8 -

719,

592 -

156,

�26

1,02

0,14

2

554,

070 -

477,

220

422,

400

16,9

00,0

52

688,

291

1,28

8,91

0

1,48

6,67

1

819,

795

24,9

94

121,

�25

492

,191

1,60

0,78

�

990

4,01

7,�9

�

�,4

55,5

99

726,

4�8 -

1,15

5,10

5

1,09

2,6�

9

281,

8�5 -

�40,

852

422,

400

18,0

16,2

11

- - - - - - - - - - - - - - - - - - - -

2,12

2,82

9

�,81

6,�2

2

2,72

7,00

4

2,08

5,92

0

6,88

�,59

�

�46,

06�

1,0

9�,6

99

6��,

470

5,41

7,�4

8

22,4

62,�

87

4,2�

1,22

1

59�,

494

4,�7

1,00

6

65�,

204

644,

229

1,27

2,44

2

1,85

8,12

2

�72,

�47

1,15

9,00

4

62,7

4�,7

04

-

609,

287

247,

�49

224,

802

1�,9

05,8

16

124

,70�

-

(17,

679)

11,6

62,�

�6

(7,8

05,0

47)

2,�5

0,98

4

66,0

85

9,59

5,59

5

909,

885

12,1

74

�,77

9,07

2

9�,�

29

1,1�

4,18

0

�,99

2,1�

5

40,8

85,0

06

62,4

92,4

1�

80,7

84,6

�5

59,1

19,2

67

47,5

0�,7

48

216,

909,

477

7,99

4,06

1

16,

�58,

�84

19,7

90,2

54

1�4,

9�2,

�89

649,

6�5,

7�4 -

81,6

64,5

40

17,7

5�,5

86

10�,

97�,

906

14,5

16,�

82

19,2

74,5

95

�1,0

95,5

26

�8,2

75,6

98

9,7�

2,61

9

�7,4

21,9

48

1,64

9,22

9,16

2

510,

900

55�,

182

177,

412

1,�6

9,42

5

457,

986 -

2�5

,709

4,0

2�

1,6�

5,�1

2

4,5

48,9

98

�84,

514

121,

998

�71,

45�

170,

255

2�,6

17

211,

791

211,

654

2�,2

88

1,28

�,77

2

12,2

95,2

89

290,

�50

402,

247

172,

505

1,09

6,46

9 - -

92,

554 -

117,

166

�,�

16,�

24

208,

845

40,2

78

92,

785 -

7,87

�

�4,4

91

111,

202

112,

922

84,7

94

6,18

0,80

5

801,

250

955,

429

�49,

917

2,46

5,89

4

457,

986 -

�28

,26�

4,0

2�

1,75

2,47

8

7,8

65,�

22 -

59�,

�59

162,

276

464,

2�8

170,

255

�1,4

90

246,

282

�22,

856

1�6

,210

1,�6

8,56

6

18,4

76,0

94

- -

9�,

�95

114

,448

- - - - -

12�

,6�4

5�,5

10

28,6

25 - - - - - - -

41�,

612

205,

��5

89,7

8�

1��,

515

275,

164 -

18,

016

126

,0�2

(14,

1�6) -

1�8

,779

-

164,

661

10,1

70

75,8

78

4�1,

084

84,0

�9 - -

58,1

27

1,79

6,44

7

608,

9�6

1,20

8,2�

6

89�,

�02

66�,

7�5

2,88

9,40

8

�1�

90,

751

125,

�04

576,

�76

1,7

90,8

�5

1,74

1,57

7

2�5,

811

790,

296 -

221,

557

445,

42�

�98,

�48

108,

406

148,

7�6

12,9

�7,�

50

1,61

5,52

1

2,25

�,44

8

1,47

0,12

9

�,51

9,24

1

�,�4

7,�9

4

18,�

29

545

,046

115,

191

2,�2

8,85

4

9,9

18,5

70

2,�8

8,44

6

591,

�7�

1,26

4,70

4

246,

1��

684,

1�1

775,

744

721,

204

244,

616

1,57

5,42

9

��,6

2�,5

0�

60,8

76,8

92

78,5

�1,1

87

57,6

49,1

�8

4�,9

84,5

07

21�,

562,

08�

7,97

5,7�

2

15,

81�,

��8

19,6

75,0

6�

1�2,

60�,

5�5

6�9,

717,

164

79,2

76,0

94

17,1

62,2

1�

102,

709,

202

14,2

70,2

49

18,5

90,4

64

�0,�

19,7

82

�7,5

54,4

94

9,48

8,00

�

�5,8

46,5

19

1,61

5,60

5,65

9

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESSE

LF-A

DM

INIS

TERE

D P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT-

2005

TABL

E XX

XV

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$Ag

ostin

i Ins

uran

ce B

roke

rs L

imite

d Pe

nsio

n Fu

nd P

lan

Agos

tini’s

Lim

ited

Retir

emen

t Pla

n

AirP

orts

Aut

horit

y of

Trin

idad

&

Toba

go P

ensi

on P

lan

AN

SA M

c A

l Lim

ited

Pens

ion

Fund

Pla

n

Ass

ocia

ted

Bran

ds L

imite

d G

roup

Pens

ion

Plan

Atla

ntic

LN

G P

ensi

on P

lan

Bank

of C

omm

erce

Trin

idad

and

Toba

go

Lim

ited

Retir

emen

t Pla

n

Baw

odes

Pen

sion

Fun

d Pl

an

Berg

er P

aint

s Trin

idad

Ltd

. Pen

sion

Fu

nd P

lan

(For

Mon

thly

Pai

d Em

ploy

ees)

BPTT

LLC

Pen

sion

Pla

n

Briti

sh-A

mer

ican

Insu

ranc

e Co

mpa

ny

(Trin

idad

) Lim

ited

Pens

ion

Fund

Pla

n

Briti

sh G

as T

rinid

ad L

imite

d Pe

nsio

n Fu

nd P

lan

BWIA

Pilo

ts P

ensi

on F

und

Plan

Carib

bean

Indu

stria

l Res

earc

h In

stitu

te P

ensi

on F

und

Plan

Carib

bean

Ispa

t Lim

ited

Empl

oyee

s Pe

nsio

n Pl

an

Cent

ral B

ank

of T

rinid

ad a

nd To

bago

Pens

ion

Fund

Pla

n

Citib

ank

of (T

rinid

ad a

nd To

bago

) Li

mite

d Pe

nsio

n Fu

nd

Coca

Col

a Bo

ttlin

g (T

rinid

ad a

nd To

bago

)Pen

sion

Pla

n

Cons

olid

ated

Insu

ranc

e Co

nsul

tant

s Li

mite

d Pe

nsio

n Fu

nd P

lan

Coop

ers

and

Lybr

and

Pen

sion

Fun

d Pl

an

Cour

ts T

rinid

ad L

imite

d Pe

nsio

n Pl

an

Cuna

Car

ibbe

an In

sura

nce

Soci

ety

Pens

ion

Fund

Dev

elop

men

t Fin

ance

Lim

ited

Pens

ion

Fund

Pla

n

EOG

Res

ourc

es T

rinid

ad L

td.

Pens

ion

Fund

Pla

n

E &

Y S

ervi

ces

Lim

ited

Pens

ion

Sche

me

Carr

ied

Forw

ard

1 2 � 4 5 6 7 8 9 10

11

12

1�

14

15

16

17

18

19

20

21

22

2�

24

25

58,9

96,6

02

71,4

61,1

69

5�,1

71,5

72

4�,�

76,4

��

196,

070,

080

7,22

8,72

�

14,

280,

�0�

15,4

78,6

45

117,

850,

725

626,

974,

26�

71,6

26,7

�6

15,6

47,9

77

90,0

07,�

05

11,6

41,8

62

16,5

05,4

11

25,2

08,1

07

�6,�

24,2

47

7,40

8,02

0

�1,4

26,0

09

1,51

0,68

4,18

9

684,

691

�,60

8,94

7

1,48

6,67

1

996,

798

24,

994

17�,

247

492

,191

2,09

5,0�

5

990

�,98

6,7�

8 -

719,

592 -

156,

�26

1,02

0,14

2

554,

070 -

477,

220

422,

400

16,9

00,0

52

688,

291

1,28

8,91

0

1,48

6,67

1

819,

795

24,9

94

121,

�25

492

,191

1,60

0,78

�

990

4,01

7,�9

�

�,4

55,5

99

726,

4�8 -

1,15

5,10

5

1,09

2,6�

9

281,

8�5 -

�40,

852

422,

400

18,0

16,2

11

- - - - - - - - - - - - - - - - - - - -

2,12

2,82

9

�,81

6,�2

2

2,72

7,00

4

2,08

5,92

0

6,88

�,59

�

�46,

06�

1,0

9�,6

99

6��,

470

5,41

7,�4

8

22,4

62,�

87

4,2�

1,22

1

59�,

494

4,�7

1,00

6

65�,

204

644,

229

1,27

2,44

2

1,85

8,12

2

�72,

�47

1,15

9,00

4

62,7

4�,7

04

-

609,

287

247,

�49

224,

802

1�,9

05,8

16

124

,70�

-

(17,

679)

11,6

62,�

�6

(7,8

05,0

47)

2,�5

0,98

4

66,0

85

9,59

5,59

5

909,

885

12,1

74

�,77

9,07

2

9�,�

29

1,1�

4,18

0

�,99

2,1�

5

40,8

85,0

06

62,4

92,4

1�

80,7

84,6

�5

59,1

19,2

67

47,5

0�,7

48

216,

909,

477

7,99

4,06

1

16,

�58,

�84

19,7

90,2

54

1�4,

9�2,

�89

649,

6�5,

7�4 -

81,6

64,5

40

17,7

5�,5

86

10�,

97�,

906

14,5

16,�

82

19,2

74,5

95

�1,0

95,5

26

�8,2

75,6

98

9,7�

2,61

9

�7,4

21,9

48

1,64

9,22

9,16

2

510,

900

55�,

182

177,

412

1,�6

9,42

5

457,

986 -

2�5

,709

4,0

2�

1,6�

5,�1

2

4,5

48,9

98

�84,

514

121,

998

�71,

45�

170,

255

2�,6

17

211,

791

211,

654

2�,2

88

1,28

�,77

2

12,2

95,2

89

290,

�50

402,

247

172,

505

1,09

6,46

9 - -

92,

554 -

117,

166

�,�

16,�

24

208,

845

40,2

78

92,

785 -

7,87

�

�4,4

91

111,

202

112,

922

84,7

94

6,18

0,80

5

801,

250

955,

429

�49,

917

2,46

5,89

4

457,

986 -

�28

,26�

4,0

2�

1,75

2,47

8

7,8

65,�

22 -

59�,

�59

162,

276

464,

2�8

170,

255

�1,4

90

246,

282

�22,

856

1�6

,210

1,�6

8,56

6

18,4

76,0

94

- -

9�,

�95

114

,448

- - - - -

12�

,6�4

5�,5

10

28,6

25 - - - - - - -

41�,

612

205,

��5

89,7

8�

1��,

515

275,

164 -

18,

016

126

,0�2

(14,

1�6) -

1�8

,779

-

164,

661

10,1

70

75,8

78

4�1,

084

84,0

�9 - -

58,1

27

1,79

6,44

7

608,

9�6

1,20

8,2�

6

89�,

�02

66�,

7�5

2,88

9,40

8

�1�

90,

751

125,

�04

576,

�76

1,7

90,8

�5

1,74

1,57

7

2�5,

811

790,

296 -

221,

557

445,

42�

�98,

�48

108,

406

148,

7�6

12,9

�7,�

50

1,61

5,52

1

2,25

�,44

8

1,47

0,12

9

�,51

9,24

1

�,�4

7,�9

4

18,�

29

545

,046

115,

191

2,�2

8,85

4

9,9

18,5

70

2,�8

8,44

6

591,

�7�

1,26

4,70

4

246,

1��

684,

1�1

775,

744

721,

204

244,

616

1,57

5,42

9

��,6

2�,5

0�

60,8

76,8

92

78,5

�1,1

87

57,6

49,1

�8

4�,9

84,5

07

21�,

562,

08�

7,97

5,7�

2

15,

81�,

��8

19,6

75,0

6�

1�2,

60�,

5�5

6�9,

717,

164

79,2

76,0

94

17,1

62,2

1�

102,

709,

202

14,2

70,2

49

18,5

90,4

64

�0,�

19,7

82

�7,5

54,4

94

9,48

8,00

�

�5,8

46,5

19

1,61

5,60

5,65

9

CON

TRIB

UTI

ON

S BY

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESSE

LF-A

DM

INIS

TERE

D P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT-

2005

TABL

E XX

XV c

ontin

ued

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght F

orw

ard

Ferr

eira

Opt

ical

Lim

ited

Pens

ion

Fund

Pla

n

Firs

t Citi

zen

Bank

Pen

sion

Pla

n

Guy

ana

and

Trin

idad

Mut

ual F

ire

Insu

ranc

e Co

mpa

ny P

ensi

on F

und

Plan

Han

d A

rnol

d (T

rinid

ad) L

imite

d Pe

nsio

n Fu

nd P

lan

H.S

. Ser

vice

s Lt

d. P

ensi

on F

und

Plan

Hyd

ro A

gri T

rinid

ad L

imite

d

Hou

rly P

aid

Empl

oyee

s Pe

nsio

n Pl

an

Hyd

ro A

gri T

rinid

ad L

imite

d

Sala

ried

Empl

oyee

s Pe

nsio

n Pl

an

Indu

stria

l Age

ncie

s Lt

d. P

ensi

on F

und

I.B.M

. Non

-Con

trib

utor

yPe

nsio

n Fu

nd P

lan

Leve

r Bro

ther

s Wes

t Ind

ies

Lim

ited

Pens

ion

Fund

Pla

n

Man

dev

Qua

lass

ure

Pens

ion

Fund

Pla

n

Meg

a In

sura

nce

Com

pany

Lim

ited

Pens

ion

Plan

MTS

Pen

sion

Fun

d Pl

an

Nat

iona

l Gas

Com

pany

Pen

sion

Fun

d Pl

an

Nat

iona

l Ins

uran

ce B

oard

Pe

nsio

n Fu

nd P

lan

Nat

iona

l Ins

uran

ce P

rope

rty

Dev

elop

men

t Co

mpa

ny L

imite

d Pe

nsio

n Fu

nd P

lan

Nat

iona

l Uni

on o

f Gov

’t an

d Fe

dera

ted

Wor

kers

Ele

cted

Offi

cers

’ Pe

nsio

n Fu

nd P

lan

Nat

iona

l Uni

on o

f Gov

’t an

d Fe

dera

ted

Wor

kers

Sta

ff Pe

nsio

n Fu

nd P

lan

Nea

l and

Mas

sy G

roup

Pen

sion

Fun

d Pl

an

Nes

tle T

rinid

ad a

nd To

bago

Lim

ited

Pens

ion

Plan

Nes

tle T

rinid

ad a

nd To

bago

Lim

ited

Uni

onis

ed E

mpl

oyee

s’ Pe

nsio

n Pl

an

Nih

erst

Pen

sion

Fun

d Pl

an

PCS

Nitr

ogen

Trin

idad

Lim

ited

Pens

ion

Fund

Pla

n 1

(For

mer

ly A

rcar

dian

)

PCS

Nitr

ogen

Trin

idad

Lim

ited

Pens

ion

Fund

Pla

n 2

(For

mer

ly T

rinid

ad a

nd To

bago

Ure

a)

Phoe

nix

Park

Gas

Pro

cess

ors

Ltd.

Sta

ffPe

nsio

n Fu

nd P

lan

Carr

ied

Forw

ard

26

27

28

29

�0

�1

�2

��

�4

�5

�6

�7

�8

�9

40

41

42

4�

44

45

46

47

48

49

50

1,51

0,68

4,18

9

11,9

48,�

71

601

,1�5

,012

57,9

40,9

�2

61,5

12,8

06

47,5

18,2

95

210,

724,

171

28,

�76,

64�

2�1,

288,

166

568,

12�,

265

�9,6

87,0

92

�,2

89,9

40

2�,9

00,8

42

1,10

7,92

2,46

�

21,0

89,2

27

�42,

2��,

509

19,7

0�,�

05

25,�

�4,�

15

4,91

2,41

2,54

�

�4,5

26,0

21

1,11

9,65

6

715,

689

22,2

47,8

97 - -

614,

144

52,6

45,�

12

167,

518

�2�,

944

�2,2

96

��0,

197 -

4,64

7,09

6

476,

�20

�9,

727,

5�9 - -

6�,

504

�,72

0,�9

7

2,84

9,45

2

4,49

4,88

0

168,

701,

862

29,9

59,6

16

1,12

6,46

0

2,86

1,94

7

8,8

�5,0

4� - -

614,

144

19,8

12,2

82

167,

518

161,

972

�2,2

96

��0,

197

26,�

55

�,71

9,��

5

�19,

162

19,

86�,

769 - -

6�,

504

1,74

�,9�

9

1,��

5,69

4

2,29

6,11

�

9�,2

69,�

46

- - - - - - - - - - - - - - - - - - - - - - -

209,

789,

670

2,66

2,80

�

2,49

6,05

1

9,42

5,17

5

94,6

75,4

�7

21,�

67,8

40

989,

769

18,2

40,�

57

1,66

4,08

0

527,

��4

205,

21�

812,

484

845,

772

18,5

62,8

98

2,1�

2,81

7

114

,812

,707

876,

954

25,1

67,2

24

6,7

47,0

11

9,15

9,2�

1

9,6�

�,18

2

�4,8

29,5

47

585,

62�,

556

210,

864,

70�

(626

,225

)

522,

759

(�55

,820

)

145,

411,

988

15,7

80,5

28

1,�2

�,19

�

129,

8�8,

5�8

(599

,092

)

(161

,604

)

1�,

�00

1,6�

1 -

1,�4

7,95

5

170,

955

(�6,

249,

121) -

49,�

��,5

78

649

,045

20,9

68,5

�6

��,4

54,�

49

77,1

08,0

47

648,

797,

24�

5,�9

7,55

2,55

�

52,8

40,4

87

29,8

56,1

46

129,

741,

170

2,42

4,28

1,82

6

444,

277,

771

19,�

4�,5

95

1,�1

0,6�

�,�7

9

47,0

48,8

7�

12,4

96,7

08

2,76

5,05

1

22,6

61,5

12

18,2

64,4

�2

611,

�48,

55�

61,0

46,1

99

�,57

�,48

�,58

6

10,8

5�,9

20

�08,

776,

4�2

161

,146

,282

211,

802,

795

2�9,

918,

514

8�7,

529,

727

15,9

27,6

69,5

11

52,4

69,�

11

�2�

,990

228,

572

45,9

59

16,�

74,1

21

4,18

0,89

0

195,

5�4

17,6

44,0

07

1,25

5,01

0 - -

47�,

928

76�,

186

8,12

6,8�

8

1,16

8,�9

5

96,

111,

081

688,

846

18,9

28,5

76

1,2

�6,2

48

2,22

4,76

2

7,48

0,02

7

10,8

18,7

46

240,

7�8,

027

18,�

86,0

9�

�9,

250 -

282

,087

5,8

14,2

92

2,65

7,86

5 -

�,�8

4,46

0 - - -

292

,010

-

2,�4

4,�9

8

41,2

94 - - -

219

,506

271

,00�

977

,756

2,00

5,6�

6

�6,7

15,6

50

70,8

55,4

04

�6�,

240

228,

572

�28,

046

22,1

88,4

1�

6,8�

8,75

5

195,

5�4

21,0

28,4

67

1,2

55,0

10 - -

765,

9�8

76�,

186

10,4

71,2

�6

1,20

9,68

9

96,1

11,0

81

688,

846

18,9

28,5

76

1,4

55,7

54

2,49

5,76

5

8,45

7,78

�

12,8

24,�

82

277,

45�,

677

2,44

2,54

0 -

9,1

19.0

0

49,

��7 - - -

4�7,

�76 - - -

11,

198 - -

18,

106

2,8

28,1

05 - - -

25,6

�9

81,0

��

�85,

577

6,28

8,0�

0

4,20

7,59

5

172

,729

�24,

4�9 - - -

205,

554

767,

919 -

446

,798

15,

7�4

57,7

82

6,48

4

47,4

4�

79,5

�4

8�4

,781

- - -

51,9

86

56,2

98 -

7,27

5,07

6

47,7

21,8

70

2,1

08,8

79

44,2

25

4,9

�4,8

75

1�,4

84,0

88

�,74

5,08

1

9�,�

61

�,89

4,01

2

29,

774

561

,��8

5,4�

�

�29,

720

154,

240

2,95

2,06

4

1,57

0,67

7

4,0

28,2

84

117,

926

7,19

9,51

5

1,2

82,7

87

7,64

7,11

1

1,09

0,68

2

�,�8

1,21

6

106,

�77,

158

125,

227,

409

2,64

4,84

8

606,

�55

5,�1

2,25

8

�5,6

72,5

01

10,5

8�,8

�6

494,

449

26,1

27,7

74

1,2

84,7

84

1,0

08,1

�6

21,1

67

1,16

4,6�

8

92�,

910

1�,4

70,7

4�

2,87

8,00

6

10�,

802,

251

806,

772

26,1

28,0

91

2,7

�8,5

41

10,2

20,5

01

9,68

5,79

6

16,5

91,1

75

�97,

�9�,

941

5,27

2,�2

5,14

4

50,1

95,6

�9

29,2

49,7

91

124,

428,

912

2,�8

8,60

9,�2

5

4��,

69�,

9�5

18,8

49,1

46

1,28

4,50

5,60

5

45,7

64,0

89

11,4

88,5

72

2,74

�,88

4

21,4

96,8

74

17,�

40,5

22

597,

877,

810

58,1

68,1

9�

�,46

9,68

1,��

5

10,0

47,1

48

282,

648,

�41

158

,407

,741

201,

582,

294

2�0,

2�2,

718

820,

9�8,

552

15,5

�0,2

75,5

70

CON

TRIB

UTI

ON

S BY

SU

PERA

NN

UAT

ION

BEN

EFIT

S


TABL

ESSE

LF-A

DM

INIS

TERE

D P

ENSI

ON

FU

ND

PLA

NS

- REV

ENU

E AC

COU

NT-

2005

TABL

E XX

XV

NA

ME

OF

PLA

NFU

ND

AT

THE

BEG

INN

ING

OF

PERI

OD

$

EMPL

OYE

RS

$

EMPL

OYE

ES

$

AD

DIT

ION

AL

CON

TRIB

UTI

ON

S BY

EMPL

OYE

RSTO

MEE

TD

EFIC

IEN

CY

$

INTE

REST

S,D

IVID

END

SA

ND

REN

TS

$

OTH

ERIN

COM

ETO

BE

SPEC

IFIE

D

$

TOTA

LRE

VEN

UE

$

PEN

SIO

NS

TORE

TIRE

DEM

PLO

YEES

$

RETI

REM

ENT

GRA

TUIT

IES

$

TOTA

L

$

DEA

THG

RAN

TS

$

RETU

RN O

FCO

NTR

IBU

TIO

NO

NW

ITH

DRA

WA

L

$

OTH

EREX

PEN

DIT

URE

(TO

BE

SPEC

IFIE

D)

$

TOTA

LEX

PEN

DIT

URE

$

FUN

DS

AT E

ND

OF

PERI

OD

$

Brou

ght F

orw

ard

Trin

toc

Lim

ited

Cont

ribut

ory

Pens

ion

Plan

‘B’

Trin

idad

and

Toba

go O

il Co

mpa

ny L

imite

dN

on C

ontr

ibut

ory

Pens

ion

Fund

Pla

n

Trin

toc

Lim

ited

Empl

oyee

s Be

nefit

Pla

n

Trin

toc

Lim

ited

Staff

Ret

irem

ent P

lan

Trin

idad

and

Toba

go P

etro

leum

Com

pany

Lim

ited

Empl

oyee

s Pe

nsio

n Fu

nd P

lan

Trin

idad

and

Toba

go P

etro

leum

Com

pany

Lim

ited

Staff

Pen

sion

Pla

n

Trin

idad

and

Toba

go P

ort C

ontr

acto

rsLi

mite

d Em

ploy

ees

Pens

ion

Fund

Pla

n

Trin

idad

and

Toba

go Te

leph

one

Co. L

td.

Staff

Pen

sion

Pla

n

Trin

idad

and

Toba

go U

nit T

rust

Co

rpor

atio

n Pe

nsio

n Pl

an

Trin

mar

Em

ploy

ees

Bene

fit P

lan

Trin

topl

an C

onsu

ltant

Lim

ited

Staff

Pens

ion

Fund

Pla

n

T. G

edde

s G

rant

Sta

ff Sa

ving

s an

dPe

nsio

n Fu

nd P

lan

T. G

edde

s G

rant

Ltd

. Pen

sion

Fun

d Pl

an

Wat

er a

nd S

ewer

age

Auth

ority

Pe

nsio

n Fu

nd

Wes

t Ind

ian

Toba

cco

Com

pany

Ltd

. Pe

nsio

n Pl

an

Y. D

e Li

ma

& C

ompa

ny L

imite

d St

aff P

ensi

on F

und

Plan

GRA

ND

TO

TAL

76

77

78

79

80

78

82

8�

84

85

86

87

88

89

90

91

14,4

�1,2

77,5

04

808,

085,

�54

117,

948,

405

1,06

5,24

9,16

5

1,41

5,51

6,50

4

4�,

�91,

959

�95,

507,

608

85,9

41,2

60

45,4

44,9

77

508,

81�,

000

487,

1�6,

591

12�,

680,

�80

11,5

�2,9

06

19,5

�9,5

25,6

1�

168,

701,

862

7,41

6,75

6 -

10,1

97,0

69

9,15

2,12

0

4,0

85,6

0�

9,59

7,86

7 - -

886,

000

4,47

0,98

0

1,25

2,54

0 -

215,

760,

797

9�,2

69,�

46

�,72

4,56

0 -

5,15

8,7�

0

8,�4

7,76

1

1,4

59,1

44

5,61

4,29

1 - -

1,89

�,00

0

2,80

8,47

6

1,19

5,26

1 -

12�,

470,

569

- - - - - - - - - - - - - -

585,

62�,

556

�9,2

58,9

76

5,01

6,45

�

51,5

78,2

95

91,�

6�,0

15

1�,

570,

000

20,�

2�,5

95

�,87

6,55

2

2,82

8,42

9

�1,1

44,0

00

20,8

11,8

�7

6,12

9,�9

0

642

,069

872,

166,

167

648,

797,

24�

75,1

�2,0

49

12,8

68,�

87

92,�

58,9

66

128,

890,

998

22,

095

24,4

92,6

6�

1,18

0,08

7

4,21

0,09

0

5�8,

000

�2,6

7�,7

74

928 -

1,02

1,16

5,28

0

15,9

27,6

69,5

11

9��,

617,

695

1�5,

8��,

245

1,22

4,54

2,22

5

1,65

�,27

0,�9

8

62,

528,

801

455,

5�6,

024

90,9

97,8

99

52,4

8�,4

96

54�,

274,

000

547,

901,

658

1�2,

258,

499

12,1

74,9

75

21,7

72,0

88,4

26

240,

7�8,

027

7,�7

1,65

2

�,54

2,66

8

2�,1

7�,4

81

1�,6

10,2

54 -

7,20

�,60

6

665,

825

1,85

2,11

�

14,7

85,0

00

25,6

84,5

�8

4,01

8,18

7

6�,6

4�

�42,

708,

994

�6,7

15,6

50

944,

045 -

�,92

8,�5

2

4,88

0,��

4

285

,892

2,20

2,58

6

��6

,855

-

8,44

2,00

0

819,

4�0

2,80

2,4�

6 -

61,�

57,5

80

277,

45�,

677

8,�1

5,69

7

�,54

2,66

8

27,1

01,8

��

18,4

90,5

88

285

,892

9,40

6,19

2

1,00

2,68

0

1,85

2,11

�

2�,2

27,0

00

26,5

0�,9

68

6,82

0,62

�

6�,6

4�

404,

066,

574

6,28

8,0�

0

�46,

006

47,7

27

2,0

02,1

49

671,

688 -

104,

917 - - -

1,01

8,20

6

�62

,�46

24,1

60

10,8

65,2

29

7,27

5,07

6

128,

�45 -

�11,

199

195,

807

245

,088

87,1

92 - -

924,

000

68,7

6�

512,

87�

28,7

60

9,77

7,10

�

106,

�77,

158

2,99

7,19

6

�51,

790

7,18

1,41

8

58,7

04,1

72

25,

2�1

2,�0

�,14

�

666,

274

621,

�10

7,8�

�,00

0

4,25

�

920,

�45

�85,

808

188,

�71,

098

�97,

�9�,

941

11,7

87,2

44

�,94

2,18

5

�6,5

96,5

99

78,0

62,2

55

556

,211

11,9

01,4

44

1,66

8,95

4

2,47

�,42

�

�1,9

84,0

00

27,5

95,1

90

8,61

6,18

7

502,

�71

61�,

080,

004

15,5

�0,2

75,5

70

921,

8�0,

451

1�1,

891,

060

1,18

7,94

5,62

6

1,57

5,20

8,14

�

61,

972,

590

44�,

6�4,

580

89,�

28,9

45

50,0

10,0

7�

511,

290,

000

520,

�06,

468

12�,

642,

�12

11,6

72,6

04

21,1

59,0

08,4

22

CON

TRIB

UTI

ON

S BY

SU

PERA

NN

UAT

ION

BEN

EFIT

S


Documents

TABLE OF CONTENTS - Trinidad and Tobago dollar › sites › default › files... · TABLE OF CONTENTS 1. REPORT OF THE CENTRAL BANK OF TRINIDAD 1.01 - 1.05 AND TOBAGO FOR THE YEAR