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92009

ISSN 1995-7173

REPORT ON INSURANCE AND PENSIONS 1

TABLE OF CONTENTS

1. REPORT OF THE CENTRAL BANK OF TRINIDAD 1.01 - 1.05 AND TOBAGO FOR THE YEAR ENDED DECEMBER 31, 2009.

2. OVERVIEW OF THE INSURANCE INDUSTRY 2.01 - 2.06

PART I INSURANCE COMPANIES

3. LONG-TERM BUSINESS 3.01 - 3.19 New Business Written Existing Business Policies Discontinued or Redeemed Policy Loans Statutory Funds Local Asset Ratio Revenue Account Distribution of Premium Income Reinsurance Valuation Reports

4. GENERAL INSURANCE BUSINESS 4.01 - 4.23 Statutory Deposits General Insurance - Motor Statutory Funds Change in Premium Income - Motor Underwriting Results Reinsurance General Insurance - Other Than Long-term or Motor Change in Premium Income Underwriting Results Reinsurance Solvency Test

5. ASSOCIATION OF UNDERWRITERS 5.01 - 5.03 Registration Intermediaries Volume of Business

Paragraph Reference

REPORT ON INSURANCE AND PENSIONS2

TABLE OF CONTENTS

Paragraph Reference

PART IIINSURANCE INTERMEDIARIES

6. INSURANCE INTERMEDIARIES Registration 6.01 - 6.04 Examinations Revenue

PART IIIPENSION FUND PLANS

7. PENSION FUND PLANS Registration 7.01 - 7.14 Amendments Revenue Annual Accounts Balance Sheets Results and Recommendations of Actuarial Valuations

APPENDICES

APPENDIX A Summary of Balance Sheets of Insurance CompaniesAPPENDIX B List of Agents Registered under the Insurance Act, Chap. 84:01 as at December 31, 2009 and their Anniversary Dates.APPENDIX C List of Brokers Registered under the Insurance Act, Chap. 84:01 as at December 31, 2009 and their Anniversary Dates.APPENDIX D List of Adjusters Registered under the Insurance Act, Chap. 84:01 as at December 31, 2009 and their Anniversary Dates.APPENDIX E List of Pension Plans Registered as at December 31, 2009.

LIST OF TABLES

TABLE I 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 OF CONTENTS

LIST OF TABLES

TABLE VII Revenue Account in respect of Deposit Administration Contracts/Unit Linked Funds.TABLE X Long Term Insurance - Annuity BusinessTABLE XI Statement of Statutory Fund 2009 - Liabilities to Policyholders (Long- term Business)TABLE XIA Statement of Statutory Fund 2009 - Securities held in Trust (Long-term Business).TABLE XII Revenue Account in respect of Motor Insurance - 2009.TABLE XIII Statement of Statutory Fund - Liability of Policyholders and Assets held in Trust - Motor Insurance.TABLE XIV Underwriting results in respect of Motor Insurance Business.TABLE XV Revenue Account in respect of Other than Long-term or Motor Insurance. TABLE XVI Revenue Account in respect of Property InsuranceTABLE 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 Insurance. TABLE XXI Underwriting results in respect of Property Insurance.TABLE XXII Summary and Valuation of Policies of American Life and General Insurance Company (Trinidad and Tobago) Limited in respect of Long- Term Insurance Business as at December 31, 2009.TABLE XXIII Summary and Valuation of the Policies of Bancassurance Caribbean Limited in respect of Long-Term and Credit Life Insurance Business as at December 31, 2009.TABLE XXIV Summary and Valuation of the Policies of the Caribbean Atlantic Life Insurance Company Limited in respect of Long-Term Insurance Business as at December 31, 2009.TABLE XXV Summary and Valuation of the Policies of Cuna Caribbean Insurance Society Limited in respect of Long-Term Insurance Business as at December 31, 2009.TABLE XXVI Summary and Valuation of the Policies of Demerara Life Assurance Company of Trinidad and Tobago Limited in respect of Long-Term Insurance Business as at December 31, 2009.TABLE XXVII Summary and Valuation of the Policies of Guardian Life of the Caribbean Limited in respect of Long-Term Insurance Business as at December 31, 2009TABLE XXVIII Summary and Valuation of the Policies of Maritime Life (Caribbean) Limited in respect of Long-term Insurance Business as at December 31, 2009.TABLE XXIX Summary and Valuation of the Policies of Mega Insurance Company Limited in respect of Long-Term Insurance Business as at December 31, 2009.


LIST OF TABLES

TABLE XXX Summary and Valuation of the Policies of Nationwide Insurance Company Limited in respect of Long-term Insurance Business as at December 31, 2009.TABLE XXXI Summary and Valuation of the Policies of Sagicor Life Incorporated in respect of Long-term Insurance Business as at December 31, 2009.TABLE XXXII Summary and Valuation of the Policies of Scotialife Trinidad and Tobago Limited in respect of Long-term Insurance Business as at October 31, 2009.TABLE XXXIII Summary and Valuation of the Policies of Tatil Life Assurance Limited in respect of Long-term Insurance Business as at December 31, 2009.TABLE XXXIV Summary and Valuation of the Policies of The Beacon Insurance Company Limited in respect of Long-term Insurance Business as at June 30, 2009.TABLE XXXV Summary and Valuation of the Policies of The Reinsurance Company of Trinidad and Tobago Limited in respect of Long-term Insurance Business as at December 31, 2009.TABLE XXXVI Annuity Pension Fund Plans - Revenue Account 2009.TABLE XXXVII Deposit Administration Pension Fund Plans – Revenue Account 2009.TABLE XXX VIII Self-Administered - Balance Sheet 2009.TABLE XXXIX Self-Administered Pension Fund Plans - Revenue Accounts 2009.

TABLE OF CONTENTS


FOR THE YEAR ENDED 31ST DECEMBER, 2009REPORT ON INSURANCE AND PENSIONS

Senator the Honourable Larry HowaiMinister of Finance and the EconomyMinistry of Finance and the EconomyEric Williams Finance BuildingEric Williams PlazaIndependence SquarePORT OF SPAIN

Dear Sir

1.01 I have the honor to submit to you for presentation to Parliament the Forty-second 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 31st December, 2009.

1.03 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

PART I INSURANCE COMPANIES A - LONG-TERM INSURANCE B - GENERAL INSURANCE

PART II INSURANCE INTERMEDIARIES

PART III PENSION FUND PLANS

1.05 A summary of the Balance Sheets of insurance companies is also provided at Ap-pendix A.

Respectfully submitted

JWALA RAMBARRANGOVERNORCENTRAL BANK OF TRINIDAD AND TOBAGO


2. OVERVIEW OF THE INSURANCE INDUSTRY

2.01 In 2009, Gross Premium Income in the industry totaled $4,292.0 million which represents 3.5% of the Gross Domestic Product at current prices (2008 – 5.7%). This is a decrease of 56.0% over the gross premiums of $9,670.5 million reported for 2008. It should be noted however that 2009 figures do not include Colonial Life Insurance Company Limited, a major contributor to gross premiums in the industry in prior years.

2.02 Apart from long term (life), Gross Premium Income for the year generally increased in respect of motor and property business.

OVERVIEW OF THE INSURANCE INDUSTRY

GROSS PREMIUM INCOME

2009$M

2008$M

%Inc

Long Term (Life) 1,500.9 7,064.9 (78.8)Motor Vehicle 1,009.2 959.2 5.2Property (Fire and Allied Perils) 931.1 799.0 16.5Other 850.8 847.4 0.4 4,292.0 9,670.5 (55.6)

LONG-TERM BUSINESS

2.03 Policies in force at the end of 2009 were reported as 472,607, a decrease of 27.4% over the 2008 reported figure of 651,106.

The total number of new policies sold during 2009 was 56,622, an increase of 36.0% over the previous year.

Policy lapses decreased by 7.3% in 2009 compared to a 17.3% increase during 2008. Surrenders increased by 21.7% in 2009 compared to a 18.2% decrease during 2008.

Statutory Funds in which investments are pledged to support policyholder liabilities totaled $10.45 billion (2008 – $13.67 billion).


GENERAL INSURANCE BUSINESS

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

INSURANCE INTERMEDIARIES

2.05 The number of intermediaries registered at the end of 2009 was 3,052 (2008 - 2,653).

The information is summarized as follows: -

PENSION FUND PLANS

2.06 The number of pension fund plans registered at the end of 2009 was 265 (2008 - 261).

The information is summarized as follows: -

2009 2008 %Inc/(Dec)

2009 2008 %Inc/(Dec)

OVERVIEW OF THE INSURANCE INDUSTRY

Salesmen 2,423 2,119 14.3Agents 509 427 19.2Brokers 88 78 12.8Adjusters 32 29 10.3 3,052 2,653 15.0

Self-Administered Pension Fund Plans 93 91 1.1

Insured Pension Fund Plans 103 108 (3.7)

Pension Fund Plans(awaiting deregistration andin the process of winding up) 68 61 11.5 Judicial Management 1 1 - 265 261 1.5


3. LONG-TERM INSURANCE BUSINESS

3.01 There were twenty-two (22) companies registered to transact long-term business in Trinidad and Tobago at the end of 2009. Eight (8) companies are not writing new business as at December 2009.

3.02 The types of new business transacted by registered companies were as follows:

COMPANIES

*

-

*

NOT

NOT

*

-

-

*

*

*

-

-

-

WRITING

WRITING

-

-

-

-

-

-

*

-

-

NEW

NEW

*

*

-

*

*

-

*

-

-

BUSINESS

BUSINESS

*

-

-

*

*

-

*

*

*

*

-

-

*

*

*

ORDINARYLIFE

INDUSTRIALLIFE

GROUPLIFE

GROUP PENSION

PENSION ANDANNUITY

PART I - INSURANCE COMPANIES

1. American Life and General

Insurance Company (Trinidad and Tobago) Limited

2. Bancassurance Caribbean Limited #

3. 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

9. Guardian Life of the Caribbean Limited

10. Maritime Life (Caribbean) Limited

11. Mega Insurance Company Limited~

LOCAL


COMPANIES ORDINARY

LIFE INDUSTRIAL

LIFEGROUP

LIFE GROUP

PENSION PENSION AND

ANNUITY

LOCAL

+ Operating as a closed fund under Guardian Life of the Caribbean Limited. ◊ Formerly Cannon Assurance Limited# 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

12. Nationwide Insurance Company Trinidad Limited

13. ScotiaLife 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. United Security Life Insurance Company Limited

REGIONAL

19. Life of Barbados Limited

20. Sagicor Life Incorporated

OTHER

21. Lincoln Assurance Limited◊

22. Sun Life Assurance of Canada

NOT

*

*

-

NOT

-

NOT

NOT

*

NOT

NOT

WRITING

-

-

-

WRITING

-

WRITING

WRITING

-

WRITING

WRITING

NEW

-

*

*

NEW

-

NEW

NEW

*

NEW

NEW

BUSINESS

-

*

-

BUSINESS

-

BUSINESS

BUSINESS

-

BUSINESS

BUSINESS

*

*

-

-

*


NEW BUSINESS WRITTEN

3.03 Fourteen (14) companies which wrote new business (thirteen (13) in 2008) submitted the required information under this caption.

Details are as follows: -

New Business underwritten during the years 2005 to 2009 was distributed as follows:

ExISTING BUSINESS

3.04 Eighteen (18) Life Companies registered under the Act submitted Returns in respect of insurance existing.

The information is summarized as follows:

2009 2008

472,607$71,432,551,999

Number of PoliciesSum Assured

2005 2006 2007 2008 2009

Local Companies 86 87 88 88 85Regional 14 13 12 12 15Other - - - - -

56,622$10,761,774,104

$392,517,485

2009

2008

Number of PoliciesSum AssuredAnnual Premiums

PERCENTAGE OF NEW INSURANCE ISSUED (SUM ASSURED)

(See Figure 5)

INSURANCE COMPANIES

88,507$12,016,084,697

$776,035,189

651,106$82,804,250,106


POLICIES DISCONTINUED OR REDEEMED

3.05 Eighteen (18) companies submitted information concerning the discontinuance and redemption of policies. The information for the years 2006 to 2009 is summarized hereunder.

3.06 Policies discontinued or redeemed during 2009 have been further classified as follows:

Details are listed in Table VIII

39,52440,28936,36137,441

1,0329,186

12,00212,058

2,6452,601

39,524

NUMBER OFPOLICIES

NUMBER OFPOLICIES

SUM ASSURED $

SUM ASSURED $

2009200820072006

DeathSurrenderForfeitureLapseMaturityMiscellaneousTOTAL

6,281,738,1366,697,123,5925,545,124,3614,875,819,307

79,391,462949,156,845

2,154,893,3491,915,821,549

55,741,9921,126,732,939

6,281,738,136

YEAR



INSURANCE COMPANIES

POLICY LOANS

3.07 Policy loans in respect of ten (10) companies for the year 2009 totaled $208,524,361 a decrease of 24.4% over the 2008 figure of $275,675,838. The ratio of policy loans to total reserves increased from 0.9% in 2008 to 2.0% in 2009.

POLICYLOANS

$

Local CompaniesRegional CompaniesOther

200,405,7418,118,620

0 208,524,361

RESERVES

$

POLICY LOAN / RESERVES

%

8,114,516,2962,124,993,029

0 10,239,509,325

2.50.4

02.04

STATUTORY FUNDS

3.08 Section 37(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.”

3.09 The total policy liabilities of the twenty (20) companies which submitted Returns amounted to $10,239,509,325 a decrease of 64.1% over the liabilities of $28,488,390,899. Details of the policy liabilities of individual companies are shown in Table XI.



Hereunder is a summary of total policy liabilities:

Policy ReservesOutstanding ClaimsOther ReservesTOTAL RESERVESLess:Policy LoansOutstanding PremiumsOther DeductionsTOTAL DEDUCTIONSStatutory FundRequirement

0000

0000

0

LOCALCOMPANIES

$

REGIONAL COMPANIES

$

OTHER

$

TOTAL

$

7,435,243,913143,108,347

536,164,0368,114,516,296

200,405,74162,732,029

447,246 263,585,016

7,850,931,280

2,065,609,89441,390,149

17,992,9862,124,993,029

8,118,6201,406,633

517,536 10,042,789

2,114,950,240

9,500,853,807184,498,496

554,157,02210,239,509,325

208,524,36164,138,662

964,782 273,627,805

9,965,881,520

3.10 Assets placed in trust to cover liabilities to Trinidad and Tobago policyholders amounted to $10.45 billion which is a decrease from $12.67 billion in 2008.

3.11 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.

3.12 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”


INSURANCE COMPANIES

Investments trusted 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

2009 2008

$

3,003,566,702947,030,091863,960,599

1,373,249,099974,025,690

2,225,795,388

9,387,627,570

106,190,003

209,171,181

9,702,988,755

0746,208,173

746,208,173

10,449,196,927

%

28.7

9.18.3

13.19.3

21.3

89.8

1.0

2.0

92.9

07.1

7.1

100.0

%

25.510.113.218.3

7.3

18.6

93.1

1.9

0.1

95.1

1.23.7

4.9

100.0



LOCAL ASSETS RATIO

3.13 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 per cent (80%) of its Trinidad and Tobago dollar liability in the Statutory Fund. Section 47(2) further provides that assets not exceeding ten per cent (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.

3.14 Total “Local” investment in Statutory Funds for the year 2009 was $9,702,988,755 representing a local asset ratio of 92.9%; the amount reported for the previous year was $12,050,037,723 (local asset ratio of 95.1%).

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

$

2,443,699,924

279,218,500

659,480,599

1,236,909,085

896,654,761

1,768,890,775

7,284,853,645

14,821,293

209,171,181

7,508,846,120

559,866,778

667,811,591

204,480,000

136,340,014

77,370,929

456,904,613

2,102,773,925

91,368,710

-

2,194,142,635

3,003,566,702

947,030,091

863,960,599

1,373,249,099

974,025,690

2,225,795,388

9,387,627,570

106,190,003

209,171,181

9,702,988,755

-

-

-

-

-

-

-

-

-

-


INSURANCE COMPANIES

REVENUE ACCOUNT

3.15 Detailed Revenue Accounts in respect of eighteen (18) companies transacting long-term business are shown in Tables I-VII. A summary of the Revenue Accounts for the years 2009 and 2008 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 2009$

2008$

10,010,012,6331,369,411,956

10,368,559669,288,379980,766,587

-

13,039,848,114

1,333,650,583246,891,127606,026,433

83,005,22510,753,394,759

16,879,989

13,039,848,116

21,178,496,6886,942,403,317

5,377,3421,393,172,409

562,291,619-

30,081,741,375

4,303,085,435451,361,605

1,223,294,791(3,189,434,624)27,968,573,709

(675,139,538)

30,081,741,376

DISTRIBUTION OF PREMIUM INCOME

3.16 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

200820072005 2006

94.9705.0300.001

94.2505.7490.001

93.9726.0270.001

95.6604.3400.000

2009

76.57123.428

0.001



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

ScotiaLife Trinidad and Tobago Limited

Tatil Life Assurance Limited

The Beacon Insurance Company Limited

The Demerara Life Assurance Company of Trinidad and Tobago Limited

104,398

7,801

169,721

254

NIL

3,049,652

49,096

-

145,046

71,791

27,099

2,415

56,234

66,753

49

1,561

142,413

6,858

239,480

222

NIL

3,291,271

59,130

(7)

151,604

80,895

26,519

2,888

48,727

65,133

114

NR

165,495

9,003

500,374

176

NIL

5,287,582

82,158

-

254,800

107,813

30,911

1,831

124,825

74,634

326

1,142

3.17 Net Premium Income in respect of each company carrying on long-term business for the years 2005 to 2009 was as follows:

2005(000)

$

2006(000)

$

2008(000)

$

COMPANIES

LOCAL

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

152,252

4,881

334,937

220

NIL

5,055,605

70,117

-

189,416

89,837

26,179

3,035

88,796

73,201

160

NR

171,373

5,673

139,425

173

NIL

NR

84,904

-

257,179

118,125

30,639

1,454

141,353

95,488

1,496

-

2007(000)

$

2009(000)

$


INSURANCE COMPANIES

198

NIL

241

3,752,309

-

240,657

240,657

-

-

39

39

3,993,005

105

NIL

207

4,115,561

-

251,060

251,060

-

-

36

36

4,366,657

155

NIL

219

6,641,444

-

300,938

300,938

-

-

21

21

6,942,403

2005(000)

$

2006(000)

$

2008(000)

$

COMPANIES

LOCAL

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

NR – Returns Not Received

SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME - LONG-TERM BUSINESS (continued)

120

NIL

493

6,089,250

-

322,739

322,739

-

-

37

37

6,412,026

146

NIL

225

1,048,566

-

320,827

320,827

-

-

19

19

1,369,412

2007(000)

$

2009(000)

$



REINSURANCE

3.18 Ninety-one percent (91%) of the life insurance premiums written during 2009 by sixteen (16) local companies was retained in the local economy (2087 – 99%); ninety-two percent (92%) was retained by Regional Companies.

REINSURANCE - LONG-TERM INSURANCE BUSINESS - 2009


Bancassurance Caribbean Limited

British American Insurance Company(Trinidad) Limited

Caribbean Atlantic Life InsuranceCompany Limited

Colonial Life Insurance Company(Trinidad) Limited


Demerara Life Assurance Company of Trinidad & Tobago Limited


Maritime Life (Caribbean) Limited

Mega Insurance Company Limited

Nationwide Insurance Company Limited

ScotiaLife Trinidad and Tobago Limited

Tatil Life Assurance Limited


The Reinsurance Company of Trinidad & Tobago Limited

United Security Life Insurance Company Limited

TOTAL

COMPANIES GROSSPREMIUMS

NETPREMIUMS

NET RETENTIONRATIO

$

178,881,167

7,345,263

141,697,605

184,902

-

90,467,554

1,130,495

302,133,753

127,041,263

32,390,911

1,495,336

163,237,856

102,796,520

2,429,210

146,044

225,319

1,151,603,197

$

171,373,177

5,673,092

139,424,965

172,617

-

84,903,542

912,478

255,179,090

118,125,014

30,639,227

1,454,395

141,352,772

95,488,451

1,496,003

146,044

225,319

1,048,566,185

%

95.80

77.23

98.40

93.36

-

93.85

80.71

85.12

92.98

94.59

97.26

86.59

92.89

61.58

100.00

100.00

91.05

LOCAL


INSURANCE COMPANIES

REINSURANCE - LONG-TERM INSURANCE BUSINESS - 2009 (continued)


NETPREMIUMS

NET RETENTIONRATIO

$

349,242,476

349,242,476

-

18,622

18,622

1,500,864,295

$

320,827,149

320,827,149

-

18,622

18,622

1,369,411,956

%

91.86

91.86

-

100.00

100.00

91.24

REGIONAL

Sagicor Life Incorporated

TOTAL

OTHER


Sun Life Assurance Company of Canada TOTAL

GRAND TOTAL

VALUATION REPORTS

3.19 Section 113 of the Insurance Act Chap. 84:01 requires that each company transacting long- term insurance business submit an Actuarial Valuation Report at intervals of three (3) years or such shorter periods as the Central Bank in its discretion notifies the company.

Reports were received from the following companies:

• AmericanLifeandGeneralInsuranceCompany(TrinidadandTobago)Limited • BancassuranceCaribbeanLimited • CaribbeanAtlanticLifeInsuranceCompany(T&T)Ltd. • CUNACaribbeanInsuranceSocietyLimited • DemeraraLifeAssuranceCompanyofTrinidadandTobagoLimited • GuardianLifeoftheCaribbeanLimited • MaritimeLife(Caribbean)Limited • MegaInsuranceCompanyLimited • NationwideInsuranceCompanyLimited • SagicorLifeIncorporated • ScotialifeTrinidadandTobagoLimited • TatilLifeAssuranceLimited • TheBeaconInsuranceCompanyLimited • TheReinsuranceCompanyofTrinidadandTobagoLimited

Details are contained in Tables XXII to XXXI



4. GENERAL INSURANCE BUSINESS

4.01 There were thirty-four (34) companies registered to transact general insurance business in Trinidad and Tobago at the end of 2009.

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

*

IN

*

-

-

NOT

IN

*

-

*

*

*

-

NO

*

-

ACCOUNTS

*

COMPULSORY

*

-

*

WRITING

COMPULSORY

*

-

*

*

*

-

ACCOUNTS

*

-

REJECTED

*

LIQUIDATION

*

*

*

NEW

LIQUIDATION

*

-

*

*

*

-

SUBMITTED

*

-

*

-

-

-

BUSINESS

*

-

-

*

*

-

-

-

COMPANIES LIABILITY MOTOR PROPERTY PERSONALACCIDENT

OTHER1

*

*

*

-

*

*

*

*

*

*

-

-

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

2. Antilles Insurance Limited

3. 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

13. 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



COMPANIES LIABILITY MOTOR PROPERTY PERSONALACCIDENT

OTHER1

-

IN

NOT

*

IN

IN

ACCOUNTS

NOT

*

-

-

*

IN

-

*

*

*

COMPULSORY

TRANSFERRED

TRANSFERRED

*

COMPULSORY

COMPULSORY

REJECTED

WRITING

*

*

*

*

LIQUIDATION

-

*

-

-

LIQUIDATION

TO GGIL

TO GGIL

*

LIQUIDA TION

LIQUIDATION

NEW

*

-

*

*

-

*

*

*

BUSINESS

*

-

-

*

-

*

*

-

*

*

-

*

*

*

*

*

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

23. 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

30. Trinidad and Tobago Insurance Limited

31. United Security General Insurance Company Limited

1. Sagicor Life Incorporated

2. Sagicor General Insurance

3. 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.



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

STATUTORY DEPOSITS

4.03 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 three (3) 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 2009, total deposits of $682,984,192 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

2008$

2009$

484,145,006

121,140,280

81,812,361

682,984,192

351,922,385

114,658,582

171,060,023

637,640,989


INSURANCE COMPANIES

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

34,668,254

2,648,400

71,211,691

77,115

4,409,426

72,913,195

97,299,000

39,224,556

$ $ $ $

-

8,943,004

4,113,456

-

858,500

-

15,750,965

-

18,998,938

33,456,143

10,244,376

146,060

-

10,302,200

53,667,193

11,591,404

-

-

-

104,667,834

935,615

-

14,653,802

88,810,220

97,299,000

-

49,526,756

TRINIDADAND TOBAGOGOVERNMENT

SECURITIESIN TT$

COMPANIES OTHERTRINIDAD

AND TOBAGOGOVERNMENT

SECURITIES

OTHERSECURITIES

TOTAL

DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT 31ST DECEMBER 2009

LOCAL



4,280,871

33,649,000

4,113,456

24,009,093

52,764,327

441,268,384

$ $ $ $

67,500

6,097,144

2,500,000

-

81,812,361

-

22,243,461

39,746,144

-

18,884,102

26,509,093

97,134,746

625,669,370


SECURITIESIN TT$



SECURITIES

OTHERSECURITIES

TOTAL

DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT 31ST DECEMBER 2009 (continued)

LOCAL

Motor and General Insurance Company Limited

Motor One Insurance Company Limited

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

Royal Caribbean Insurance Limited


The Goodwill General Insurance Company Limited

The Great Northern Insurance Company Limited

The Mountain General Insurance Company Limited

The New India Assurance Company (T&T) Limited

The Presidential Insurance Company Limited



Trinidad and Tobago Insurance Limited

TOTAL

17,895,090

-

14,770,646

-

44,370,419

106,702,080


INSURANCE COMPANIES

$ $ $ $

16,182,836

26,593,786

N/A

42,776,622

100,000

300,000

400,000

484,445,006

-

N/A

-

-

81,812,361

14,438,200

-

N/A

14,438,200

-

121,140,280

30,621,036

26,593,786

-

57,214,822

100,000-

300,000

400,000

683,284,192


SECURITIESIN TT$



SECURITIES

OTHERSECURITIES

TOTAL

DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT 31ST DECEMBER 2007 (continued)

OTHER

CARIBBEAN


Sagicor General Insurance Inc.

United Insurance Company Limited

TOTAL


Lloyds Underwriters

Sun Life Assurance Company of Canada

TOTAL

GRAND TOTAL



GENERAL INSURANCE MOTOR

4.06 Sixteen (16) companies wrote business during 2009. The Caribbean Insurance Company, Gulf Insurance Limited, The Western General Insurance Company Limited and The Mountain General Insurance Company Limited wrote no new business, while Nationwide Casualty General Insurance Company Limited, Goodwill General Insurance Company and Citizens Insurance Company Limited are in liquidation and the registration of Western General Insurance Company Limited was cancelled in July 2007.

STATUTORY FUNDS

4.07 Section 37(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 $907,519,943. 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 $318,087,183. The value of assets actually placed in the Fund amounted to

$448,922,429.

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

CHANGE IN PREMIUM INCOME

4.10 Net premium income in 2009 as reported by seventeen (17) companies totaled $913,112,922 (2008 - $839,452,259).

4.11 Premium Income in respect of individual companies carrying on motor vehicle insurance business for the years 2005 to 2009 was as follows:


INSURANCE COMPANIES

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




18,879

14,183

55,316

NR

92,462

2,196

14,717

130,642

10,148

69,018

14,310

20,549

NR

-

-

32,442

15,876

28,359

21,374

60,459

IN LIQUIDATION

129,989

3,628

23,451

164,161

18,966

107,340

NR

47,648

IN COMPULSORYLIQUIDATION

TRANSFERR ED TO GGIL

-

33,040

34,664

13,052

14,183

48,719

25,709

69,092

2,226

9,596

103,408

10,148

50,143

13,206

13,673

NR

-

-

21,594

13,284

26,629

18,392

80,202

IN LIQUIDATION

140,488

2,664

23,270

163,601

NR

105,660

NR

41,711

IN COMPULSORY LIQUIDATION

TRANSFERR ED TO GGIL

-

21,795

28,171

COMPANIES

LOCAL

SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME MOTOR INSURANCE BUSINESS

22,027

17,870

73,586

IN LIQUIDATION

117,304

3,673

21,207

149,627

13,319

97,460

NR

30,988

IN COMPULSORYLIQUIDATION

TRANSFERRED TO GGIL

-

47,856

21,279

2006(000)

$

2008(000)

$

2005(000)

$

2007(000)

$

2009(000)

$





The New India Assurance Company(Trinidad and Tobago) Limited




Grand Total


NR

35,161

40,765

33,580

110,551

872,640

NR

8,265

13,726

19,059

8,487

66,164

523,735


NR

29,050

32,933

23,750

96,185

798,112

NR

9,778

21,078

21,343

15,898

79,498

638,335

COMPANIES

LOCAL

SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOMEMOTOR INSURANCE BUSINESS (continued)



21,701

38,657

40,461

35,803

112,338

922,038

2006(000)

$

2008(000)

$

2005(000)

$

2007(000)

$

2009(000)

$


INSURANCE COMPANIES

UNDERWRITING RESULTS

4.12 In 2009, the underwriting results of motor vehicle insurance business showed an overall underwriting profit of $51,041,352 as compared to an overall underwriting profit of

$46,281,012 in 2008.

Details are in Table XIV

REINSURANCE

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

PER CENTYEAR

20092008200720062005

9191959289



REINSURANCE - MOTOR INSURANCE BUSINESS - 2009


NETPREMIUMS

NET RETENTIONRATIO


Bankers Insurance Company of T&T Limited



Colonial Fire & General Insurance Co. Limited









$ 29,195,593

24,274,179

63,775,428

135,032,674

4,033,372

25,283,154

177,286,398

23,820,291

108,521,646

49,278,576

LOCAL

$ 28,358,874

21,374,218

60,459,106

129,989,266

3,627,510

23,450,903

164,160,561

18,965,823

107,340,430

47,647,602

97.13

88.05

94.80

96.27

89.94

92.75

92.60

79.62

98.91

-

96.69

-

$ $ %

UNDER INTERVENTION


INSURANCE COMPANIES


NETPREMIUMS

NET RETENTIONRATIO

REINSURANCE - MOTOR INSURANCE BUSINESS - 2009 (continued)

LOCAL

$ $ %

REGIONAL

Reinsurance Company of Trinidad & Tobago







TOTAL

Sagicor General Insurance Company Limited


TOTAL

GRAND TOTAL

39,028,102

-

38,305,872

22,361,878

41,054,246

43,582,947

117,780,657

942,615,013

66,649,332

-

66,649,332

1,009,264,345

35,803,247

-

34,663,512

21,700,747

38,657,022

40,461,179

112,337,640

888,997,640

33,039,970

-

33,039,970

922,037,610

91.74

-

90.49

97.04

94.16

92.84

95.38

94.31

49.57

-

49.57

91.36



4.14 Twenty (20) companies submitted Returns under this broad category, including three (3) life insurance companies transacting Personal Accident and Group Health businesses.

4.15 4.15 Group Health Insurance accounted for 44.2% of the premium in this category of business; five (5) insurers transacted this class of business during the year 2008.

Details are in Tables XVI-XX

CHANGE IN PREMIUM INCOME

4.16 During the year 2009 net premium income totaled $668.3 million, an increase of 1.7% over the 2008 net premium income of $657.2 million.

4.17 Premium Income in respect of individual companies during the years 2005 to 2009 was as follows:

SCHEDULE SHOWING NET PREMIUM INCOME FOR PERIOD 2005 to 2009 – OTHER THAN LONG-TERM OR MOTOR BUSINESS



British-American Insurance Company (Trinidad) Limited



Colonial Fire and General Insurance Company Limited


2006(000)

$

2005(000)

$

COMPANIES

GENERAL INSURANCE - OTHER THAN LONG-TERM OR MOTOR

LOCAL


41,777

5,692

298

8

66

65,418

2,290

61,336

5,883

2348

122

NR

69,285

2,085

2007(000)

$

2008(000)

$

2009(000)

$

77,372

10,460

5,562

84


76,724

2,125

87,464

9,276

2,684

81


70,085

1,290

68,427

6,995

3,006

86


13,266

1,209


SCHEDULE SHOWING NET PREMIUM INCOME FOR PERIOD 2005 to 2009 – OTHER THAN LONG-TERM OR MOTOR BUSINESS (continued)






Maritime General InsuranceCompany Limited

Motor & General Insurance Company Limited


Nationwide Insurance (Casualty & General) Company Limited








2008(000)

$

2005(000)

$

2006(000)

$

2007(000)

$

COMPANIES

636

2,497

47,965

152,271

657

2,663

-

-

NR

506

4,503

-

13,064

1

NR

NR

2,337

6,634

61,022

193,346

2,887

6,615

-

-

NR

3

9,204

-

26,436

59

NR

NR

5,784

7,503

69,889

186,863

1,038

8,751

-

-


TRANSFERREDTO GGIL

8,884

-

30,407

NR


NR

11,926

7,564

70,318

211,068

NR

12,927

-

-


11,106

-

26,235

NR


NR

21,183

6,555

65,158

274,764

2,147

11,016

-

-

NR

14,112

TRANSFERREDGGIL

32,478

8


NR

LOCAL


INSURANCE COMPANIES

2009(000)

$


2005(000)

$

2006(000)

$

2007(000)

$

2008(000)

$

COMPANIES



The New India Assurance Company (Trinidad and Tobago) Limited


TOTAL




TOTAL

GRAND TOTAL

REGIONAL

2009(000)

$

SCHEDULE SHOWING NET PREMIUM INCOME FOR PERIOD 2005 to 2009 – OTHER THAN LONG-TERM OR MOTOR BUSINESS (continued)

401

24,195

364,907

37,749

9,901

5,012

52,662

417,568

2,030

31,184

482,820

48,264

15,908

11,342

75,514

558,334

2,961

29,417

523,824

62,030

19,586

13,428

95,044

618,868

3,145

31,354

556,523

63,938

20,731

16,054

100,723

657,246

3,827

27,941

552,178

82,545

19,730

13,933

116,208

668,386


INSURANCE COMPANIES

UNDERWRITING RESULTS

4.18 In 2009, the underwriting results of property insurance business revealed an overall under-writing profit of $19,612,861. This class of business experienced an overall underwriting profit of $10,597,251 in 2008.

Details are summarized in Table XXI.

REINSURANCE

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

2006%

2007%

2005%

2008%

12

68

9

68

8

72

8

70

7

72

Property

Other (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



264,008,081

4,699,089

3,124,729

188,017

Under

NET RETENTION RATIO

9,914,723

1,780,894

686,714

85,731

Intervention

3.76

37.90

22.00

45.60

$ $ %LOCAL

REINSURANCE - PROPERTY BUSINESS 2009

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

2009%

* Not writing new property business.




NETPREMIUMS

NET RETENTION RATIO

$ $ %LOCAL

REINSURANCE - PROPERTY BUSINESS 2009 (continued)

Colonial Fire & General Insurance Co. Limited






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





The Reinsurance Company of Trinidad & Tobago


TOTAL

Sagicor General Insurance Company Limited


TOTAL GRAND TOTAL

REGIONAL

131,089,191

33,849,372

18,443,090

127,181,335

16,461,830

46,359,158

-

-

70,199,550

108,573

20,406,718

27,114,717

50,554,193

813,777,643

64,654,536

52,666,253

117,320,789

931,098,432

5,929,923

307,814

3,127,923

17,299,014

1,529

5,780,848

-

-

6,672,815

8,234

1,583,982

438,472

2,333,455

55,952,071

3,335,216

4,449,008

7,784,224

63,736,294

4.52

0.91

16.97

13.60

0.01

12.47

-

-

9.51

7.58

7.76

1.62

4.62

6.88

5.16

8.45

6.63

6.85


INSURANCE COMPANIES


NETPREMIUMS

American Life and General Insurance Company (Trinidad) Limited

Bankers Insurance Company of T&T Limited

British-American Insurance Company (T’dad) Ltd



Colonial Fire & General Insurance Co. Limited.








Reinsurance Company of Trinidad & Tobago


$ 93,637,215

6,114,527

2,629,211

-

-

19,335,297

34,449,363

4,473,297

76,931,952

293,025,769

4,856,528

13,837,324

-

56,660,980

-

NET RETENTION RATIO

$ 58,511,973

5,214,067

2,319,491

-

-

7,335,582

20,874,936

3,426,763

47,858,813

274,763,865

2,145,416

5,235,307

-

13,673,759

-

62.49

85.27

88.22

-

-

37.94

60.60

76.60

62.21

93.77

44.18

37.83

-

24.13

-

$ $ %LOCAL

REINSURANCE - OTHER THAN MOTOR, PROPERTY AND LONG-TERM BUSINESS 2009

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:




NETPREMIUMS

59,431,384

-

2,291,357

1,209,423

42,341,662

711,225,288

36,355,674

89,914,991

13,266,452

139,537,117

850,762,405

NET RETENTION RATIO

$ $ %LOCAL

REINSURANCE - OTHER THAN MOTOR, PROPERTY AND LONG-TERM BUSINESS 2009 (continued)

25,804,710

-

2,242,704

1,209,423

25,607,863

496,224,671

16,394,668

82,544,542

9,483,649

108,422,859

604,647,530

43.42

-

97.88

100.00

60.48

69.77

45.10

91.80

71.49

77.70

71.07




Export Import Bank of Trinidad and Tobago Limited


TOTAL

Sagicor General InsuranceCompany Limited



TOTAL GRAND TOTAL

REGIONAL


INSURANCE COMPANIES

172,531,756

12,047,891

-

-

-

-

70,612,916

19,357,114

5,673,836

-

-

-

-

28,650,954

American Life and General Insurance Company Trinidad Limited

Bankers Insurance Company (T&T) Limited





Colonial Fire & General Insurance Company Limited

SOLVENCY TEST

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.”

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

MARGIN OF SOLVENCY GENERAL INSURANCE BUSINESS - 2009

COMPANIES MINIMUMSOLVENCY

REQUIREMENT INACCORDANCE

WITH SECTION 77 OF THE INSURANCE

ACT 1980

153,174,642

6,374,056

-

-

-

-

41,961,962

ExCESS (DEFICIT)ADMISSIBLE

ASSETS OVERLIABILITIES

MARGIN OFSOLVENCY/

INSOLVENCY+ OR (-)

$ $ $

LOCAL



113,540,856

20,630,922

19,008,071

300246,657

119731,566

-

109,084,832

-

15,949,785

-

-

-

12,416,142

-

250,000

4,962,052

6,001,118

75,796,242

65,497,565

-

23,671,317

-

9,529,520

-

-

-

19,394,044

-



GTM Insurance Company Limited








Nationwide Insurance (Casualty & General) Co. Limited




MARGIN OF SOLVENCY GENERAL INSURANCE BUSINESS - 2009 (continued)

COMPANIES MINIMUMSOLVENCY



ACT 1980

113,290,856

15,668,870

13,006,953

224450,415

54234,001

-

85,413,515

-

6,420,265

-

-

-

6,977,902

-

ExCESS (DEFICIT)ADMISSIBLE


MARGIN OFSOLVENCY/

INSOLVENCY+ OR (-)

$ $ $

LOCAL


INSURANCE COMPANIES

MARGIN OF SOLVENCY GENERAL INSURANCE BUSINESS - 2009 (continued)

COMPANIES ExCESS (DEFICIT)ADMISSIBLE


MARGIN OFSOLVENCY/

INSOLVENCY+ OR (-)

$ $ $

LOCAL

Caribbean Insurance Company Limited is running off its portfolio.Nationwide Insurance (Casualty & General) Company Limited and the Mountain General Insurance Company have stopped writing business. Western General Insurance Company Limited was cancelled in July 2008.

NR- Returns Not Received

MINIMUMSOLVENCY



ACT 1980








TOTAL

Sagicor General

Sagicor Life


TOTAL

GRAND TOTAL

-

-

72,826,180

26,589,332

25,573,245

-

175219,128-

1,093,477,523

32,420,222

N/A

73,742,583

106,162,805

1,199,640,328

-

-

11,913,784

8,092,236

7,832,013

-

32345,510

299,610,191

10,553,971

N/A

2,786,531

13,340,502

312,950,693

-

-

60,912,395

18,497,096

17,741,232

-

142,873,618

793,867,332

21,866,251

N/A

70,956,052

92,822,303

886,689,635

CARIBBEAN



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 Miller Insurance Brokers Limited

VOLUME OF BUSINESS

5.03 Insurance business placed at Lloyd’s during the years 2009 and 2008 are detailed below:

Premiums Received 2009 2008

Direct Insurance Reinsurance TOTAL

Claims Paid 2009 2008

119,811,011187,608,886

307,419,897

(6,933,437) -

(6,933,437

106,544,704161,512,548

268,057,252

31,305,610 -31,305,610


INSURANCE COMPANIES

6. PART II INSURANCE INTERMEDIARIES

6.01 The following table shows the number of intermediaries that were registered during 2009 in accordance with Part III of the Insurance Act, Chap. 84:01.

INTERMEDIARIES NEW APPLICATIONSAPPROVED IN 2009

RENEWAL CERTIFICATES ISSUED IN 2009

SALESMEN:

AGENTS:

(a) Individuals(b) Corporate Bodies

TOTAL

BROKERS:


TOTAL

ADJUSTERS:


TOTAL

2.285

124347

471

4339

82

1616

32

_138

1325

38

42

_6

--

0

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


PART II - 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.

6.03 The results of examinations in life and general insurance and Diploma in Motor Insurance Claims Investigation & Adjusting which were held in 2009 are as follows:

REVENUE

6.04 The total revenue collected from registration fees for the period ended 31st December, 2009 amounted to $1,151,300 and in 2008 - $992,400.

NO. OF PERSONSREGISTERED TOWRITE ExAMS

Long-Term InsuranceExaminations

FebruaryAprilJuneAugustOctoberDecember

General Insurance Examinations

AprilJuneAugustOctoberDecember

Paper 2 - Motor Insurance ClaimsPrinciples & Practices December

40145

30915288

7255

1282073

9

NO. OF PERSONSWHO WERE

SUCCESSFUL

NO. OF PERSONSREGISTERED TOWRITE ExAMSBUT DID NOT

168817583057

5448991153

5

613

210

510

93564

0


PART III - PENSION FUND PLANS

7. PART III PENSION FUND PLANS

7.01 No new Pension Plan was registered during 2009.

7.02 The number of active registered Pension Fund Plans now stands at one hundred and ninety-six (196) comprising of ninety-three (93) self-administered Pension Fund Plans and one hundred and three (103) insured/annuity plans. There are sixty-nine (69) plans in the process of being deregistered and twenty-nine (29) plans in the process of being wound-up; this figure is inclusive of one (1) plan which is under judicial management.

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

AMENDMENTS

7.04 Nine (9) amendments were made to the Trust Deeds and Rules of nine (9) pension fund plans, during the period under review.

The amendments were registered upon payment of the prescribed fee.

REVENUE

7.05 Revenue in respect of the amendments thereto for the year ended 31st December 2009 was one hundred and forty dollars ($140.00).

ANNUAL ACCOUNTS

7.06 The trustees of pension fund plans submitted annual audited accounts in respect of one hundred and ninety-six(196) plans. Ninety-three (93) were in respect of self -administered pension fund plans and one hundred and three (103) 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.


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

REVENUE ACCOUNTS 2009 - INSURED PENSION FUND PLANS

REVENUE $

(1) Amount of Fund at beginning of period(2) Contributions by employers(3) 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

(1) Superannuation benefits (i) Pensions to retired employees (ii) Retirement Gratuities (2) Death Grants(3) Return of Contributions on withdrawal(4) Other Expenditure(5) Amount of Fund at end of period

TOTAL EXPENDITURE

ExPENDITURE $

1,492,451,36355,397,08631,272,569

1,544,68286,636,876 35,791,470

1,703,094,046

27,627,28911,785,352

2,324,7725,083,398

25,142,5551,631,130,680

1,703,094,046


PENSION FUND PLANS

REVENUE ACCOUNTS 2009 - SELF-ADMINISTERED PENSION FUND PLANS

7.10 Contributions received for the years 2005 to 2009 were shared as follows:

CONTRIBUTIONS RECEIVED IN:

REVENUE $

(1) Amount of Fund at beginning of period(2) Contributions by employers(3) Contributions by employees (4) Any additional contribution by employers to meet deficiency or back service liability(5) Interest, Dividends and Rents(6) Other Income & Transfers In

TOTAL REVENUE

(1) Superannuation Benefits (i) Pensions to Retired Employees (ii) Retirement Gratuities (2) Death Grants(3) Return of Contributions on withdrawal(4) Other Expenditure(5) Amount of Fund at end of period

EXPENDITURE

ExPENDITURE $

28,235,900,466442,920,070223,570,248

744,9771,281,419,174

746,968,596

30,931,523,531

662,131,203274,576,733

45,879,03219,360,232

1,269,584,19328,659,992,138

30,931,523,531

2005 2006

EMPLOYER 241,345,825 291,343,391 297,747,265 387,998,379 498,317,156

EMPLOYEES 138,806,109 159,494,964 175,005,941 498,317,156 254,842,817

$ $2007 2008 2009

$ $ $


PENSION FUND PLANS

ASSETS OF SELF-ADMINISTERED PLANS

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 2009.

7.13 During the year 2009, the Actuarial Valuations of sixty (60) registered pension fund plans were submitted.

7.14 The reports were reviewed with particular reference to the funding position of each Plan. The valuation results are summarized in the Tables below.

2009$

2008$

(i) Trinidad and Tobago Government Securities denoted in T&T $(ii) Corporate Securities (iii) Mortgages(iv) Real Estate(v) Trinidad and Tobago Equities(vi) Fixed/Call Deposits(vii) Trinidad and Tobago Assets(viii) Trinidad and Tobago Government Securities denoted in Foreign Currency

TOTAL LOCAL ASSETS

(ix) Caricom/Foreign Government Securities(x) Other Caricom/Foreign Securities

TOTAL ASSETS IN FUNDLOCAL ASSETS RATIO

5,644,902,4716,591,392,561

249,982,463-

6,634,984,6622,595,399,8485,112,451,516

178,224,590

27,007,338,111

164,693,569

2,904,374,459

30,076,406,189.80%

3,596,845,568

-255,617,214

60,355,9967,972,773,2682,995,913,6453,397,039,125

159,833,099

18,438,377,914

227,144,901

3,349,220,367

22,014,743,18383.75%


SUMMARIES OF THE RESULTS OF THE ACTUARIAL VALUATION REPORTSRECEIVED DURING 2008 ARE REPORTED HEREUNDER:

VALUATIONDATE

ASSETS LIABILITIES SURPLUS/DEFICIT

FUNDINGRATIO

NAME OF PLAN

J.N. Harriman and Company Limited Pension Plan

Rentokil International (Trinidad) Limited Pension Fund Plan

Anthony N. Sabga Limited Pension Fund Plan

Rhand Credit unionCo- Operative Society Limited Staff Pension Plan

Hand Arnold (Trinidad) Limited Employees Pension Scheme

British High Commission Pension Plan

Water and Sewage Authority Pension Plan

Trinidad Contractors Limited Pension Plan

Niherst Pension Fund Plan

Berger Paints Trinidad Limited Pension Fund Plan (Monthly Paid) Employees

Johnson and Johnson (Trinidad) Limited Staff Pension Plan

National Gas Company of Trinidad and Tobago Pension Plan

TECU Credit UnionCo- operative Society Limited Pension Fund Plan

Trinidad and Tobago Electricity Commission Pension Fund Plan

Trinidad Cement Limited Employees Pension Plan

January 1,2006

January 1,2006

January 31,2006

May 1, 2006

June 30, 2006

July 1, 2006

September 30,2006

October 1,2006

November 1,2006

December 31,2006

December 31,2006

December 31,2006

December 31,2006

December 31,2006

December 31,2006

15,997,000

3,894,000

12,382,000

5,905,000

59,673,000

3,857,000

478,100,000

19,525,000

23,534,000

29,105,000

51,032,000

274,200,000

4,797,000

3,335,900,000

604,860,000

12,342,000

2,947,000

4,225,000

3,143,000

41,940,000

1,412,000

266,800,000

18,096,000

17,816,000

18,800,000

21,817,000

272,600,000

1,747,000

1,667,500,000

426,820,000

3,655,000

947,000

8,157,000

2,762,000

17,733,000

2,445,000

211,300,000

1,429,000

5,718,000

10,305,000

29,215,000

1,600,000

3,050,000

1,668,400,000

178,040,000

129.6%

132.1%

293.1%

187.9%

142.3%

273.2%

179.2%

107.9%

132.1%

154.8%

233.9%

100.6%

274.6%

200.1%

141.7%

ACTUARIAL INVESTIGATIONS



VALUATIONDATE


FUNDINGRATIO

NAME OF PLAN

Albrosco Limited Staff Pension Plan

Atlantic LNG Pension Plan

Lever Brothers (West Indies) Limited Pension Plan

National Union of Government and Federated Workers Staff Pension Fund Plan

Small Business Development Company Limited Staff Pension Fund Plan

Trinidad Concrete Products Limited Pension Fund Plan

RBTT Pension Fund Plan

Southern Medical Clinic Limited Pension Fund Plan

The Mainstream Foods Limited Pension Plan

Waste Disposal LimitedPension Fund Plan

E&Y Services Limited Pension Plan

Junior Schools Limited Staff Pension Plan

Consolidated Insurance Consultants Limited Pension Fund

CUNA Caribbean Insurance Society Pension Fund Plan

Fujitsu ICL Caribbean (Trinidad) Limited Pension Fund Plan

Coopers and Lybrand Pension Fund Plan

7,937,000

50,729,000

166,553,000

16,382,000

1,662,000

3,775,000

191,297,000

2,104,000

761,000

7,038,000

21,753,000

3,149,000

17,915,000

26,736,000

10,629,000

53,126,000

1,983,000

-10,774,000

49,787,000

6,590,000

2,741,000

5,203,000

13,309,000

1,587,000

-422,000

-290,000

7,703,000

236,000

85,548,000

2,016,000

1,529,000

1,397,000

125.0%

78.8%

129.9%

140.2%

264.9%

237.8%

107.0%

175.4%

44.5%

95.9%

135.4%

107.5%

577.5%

107.5%

114.4%

102.6%

January 1,2007

January 1,2007

January 1,2007

January 1,2007

January 1,2007

January 1,2007

March 31,2007

April 1, 2007

April 1, 2007

April 1, 2007

April 30, 2007

June 1, 2007

June 30, 2007

June 30, 2007

June 30, 2007

July 1, 2007

9,920,000

39,955,000

216,340,000

22,972,000

4,403,000

8,978,000

204,606,000

3,691,000

339,000

6,748,000

29,456,000

3,385,000

103,463,000

28,752,000

12,158,000

54,523,000

SUMMARIES OF THE RESULTS OF THE ACTUARIAL VALUATION REPORTSRECEIVED DURING 2008 ARE REPORTED HEREUNDER (continued)



VALUATIONDATE


FUNDINGRATIO

NAME OF PLAN

National Insurance Property Development Company Limited Pension Fund Plan

Trinidad and Tobago Solid Waste Management Company Limited Pension Plan

Youth Training and Employment Partnership Programme Limited Pension Fund Plan

National Insurance Board Pension Fund Plan

Ferreira Optical Limited Pension Fund Plan

Agostini Insurance Brokers Limited Pension Fund Plan

Clico Investment Bank Limited Staff Pension Fund Plan

First Citizens Bank Pension Plan

Trinidad and Tobago Oil Company Limited Contributory Pension Fund Plan B

Trinidad and Tobago Oil Company Limited Employees Benefit Plan

Trinidad and Tobago Oil Company Limited Staff Retirement Plan

Trinidad and Tobago Oil Company Non Contributory Pension Fund Plan

Trinidad and Tobago Petroleum Company Limited Employees Pension Plan

July 1, 2007

July 1, 2007

July 1, 2007

July 2, 2007

August 31,2007

September 30,2007

September 30,2007

September 30,2007

September 30,2007

September 30,2007

September 30,2007

September 30,2007

September 30,2007

46,846,000

8,623,000

3,764,000

639,077,000

12,329,000

40,066,000

6,061,000

693,700,000

828,500,000

1,867,700,000

2,070,700,000

131,500,000

869,100,000

13,986,000

6,780,000

3,538,000

401,294,000

11,301,000

40,288,000

6,511,000

366,400,000

422,500,000

1,168,600,000

1,905,100,000

26,300,000

499,000,000

32,860,000

1,843,000

226,000

237,783,000

1,028,000

-222,000

-450,000

327,300,000

406,000,000

699,100,000

165,600,000

105,200,000

370,100,000

334.9%

127.2%

106.4%

159.3%

109.1%

99.4%

93.1%

189.3%

196.1%

159.8%

108.7%

500.0%

174.2%




VALUATIONDATE


FUNDINGRATIO

NAME OF PLAN

Trinmar Limited Employees Benefit Plan

L.J. Williams Pension Fund Plan

Coates Brothers (Caribbean) Limited Pension Plan

Perreira and Company Limited Pension Fund Plan

A.S. Bryden & Sons (Trinidad) Limited Pension Plan

Agostini’s Limited Retirement Plan

Citibank (Trinidad and Tobago) Limited Pension Fund Plan

Colonial Life Insurance Company (Trinidad) Limited Agents Pension Plan

IBM Non Contributory Pension Fund Plan

Industrial Agencies Limited Pension Plan

Nestle Trinidad Limited Senior Staff Pension Plan

Point Lisas Industrial Port Development Corporation Limited Pension Plan

Texaco (Trinidad) Limited Staff Retirement Plan

Associated Brands Limited Group Pension Fund Plan

3M Interamerican Inc.-Trinidad and Tobago Division Pension Fund Plan

TOTAL

57,900,000

4,743,000

367,400,000

-410,000

-1,444,000

18,576,000

23,268,000

34,000,000

24,560,997

3,885,000

-2,588,000

4,815,000

31,882,000

2,287,000

2,501,000

5,230,642,997

113.7%

139.1%

214.2%

93.1%

95.0%

138.8%

138.6%

116.5%

187.9%

106.1%

97.0%

108.6%

301.3%

105.1%

119.8%

154.2%

422,700,000

12,127,000

321,700,000

5,948,000

29,044,000

47,898,000

60,271,000

206,000,000

27,947,967

64,110,000

86,879,000

55,679,000

15,836,000

45,236,000

12,602,000

9,645,126,967

September 30,2007

October 1,2007

October 31,2007

October 31,2007

December 31,2007

December 31,2007

December 31,2007

December 31,2007

December 31,2007

December 31,2007

December 31,2007

December 31,2007

December 31,2007

January 1,2008

January 31,2008

480,600,000

16,870,000

689,100,000

5,538,000

27,600,000

66,474,000

83,539,000

240,000,000

52,508,964

67,995,000

84,291,000

60,494,000

47,718,000

47,523,000

15,103,000

14,875,769,964



APPENDIX ASUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES

AMERICAN LIFE AND GENERAL INSURANCE COMPANY (TRINIDAD AND TOBAGO) LIMITED

INCORPORATED - 1977Directors: G. MC CLENNEN ; G. P. DEANE; C. TALAVERA; D. PATRICK; I. SINANAN; E. GONZALEZ; R. GARCIA; A. ZAVALA; J. FERRERSecretary: Y. EMANUELAuditors: PricewaterhouseCoopers

Actuary: K R SERVICES LIMITEDCountries other than Trinidad and Tobago in which the Company writes business: NIL.

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 31ST DECEMBER, 2009

ASSETS

Investments: Fixed Deposits with Bank Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in 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 (non-insurance) Other Investments

$

203,864,199731,919,261544,476,055

3,653,4121,591,920

415,8003,614,5721,479,1655,915,125 4,157,337 1,501,086,846

53,517,729328,392

97,235,5412,055,865

14,131,61819,625,715

6,915,58720,342,65624,258,835

101,566,248

1,841,065,031

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

TOTAL ASSETS

LIABILITIES $$

$

1,259,794,6091,206,309,679

44,251,1595,018,5174,215,2546,476,695

30,425,982879,498

5,687,80820,265,414

109,908,436

1,480,748,538

12,000,000(29,193,094)

4,096,217294,092,893

79,320,476

1,841,065,031

Insurance Funds: Long-Term Unearned Premiums Reserve Unexpired Risk reserve Long-TermClaims 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


APPENDIX A

BANCASSURANCE CARIBBEAN LIMITED INCORPORATED – 1977Directors: D. CAMACHO; R. TEWARI Secretary: DAWN SEEPERSADAuditors: PricewaterhouseCoopers

Actuary: KYLE RUDDENCountries other than Trinidad and Tobago in which the Company writes business: NIL.


LIABILITIES $ $

ASSETS $ $

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 Bonds and Debentures in non-T&T Companies

Cash on Current Account and in handMortgage LoansPolicy LoansPolicy Loan Interest AccruedOutstanding Premiums: Amounts due from PolicyholdersInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds: Long-Term Life Surplus AccountClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersBank Loans and OverdraftsDeposits re: policies Other Liabilities

NET LIABILITIES

Paid-up Share Capital Share Premium AccountNon- Admissable Assets AdjustmentOther

TOTAL LIABILITIES

13,117,1491,506,554

57,455,90576,847,500

4,100,30518,500,001

9,250,862

200,848,72982,384,365

118,464,3645,693,945

40,7282,133,729

22221,269,44828,863,493

180,778,276

10,954,386263,954

12,936,043612,249

1,701,9282,809,655

14,532,20828,000,72867,783,176

320,372,603

256,850,294

4,940,3344,222,736

(60,069,038)114,428,276

320,372,603


BANKERS INSURANCE COMPANY LIMITEDINCORPORATED - 1976

Directors: R. AMAR; G. FUNG; R. DASS; Z. ALI; S. MAHARAJ; A. CHARRANSecretary: P. SEESAHAIAuditors: KPMGCountries other than Trinidad and Tobago in which the Company writes business: NIL.

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 31ST MARCH, 2009

ASSETS $ $

LIABILITIES $ $

4,016,2962,648,400

5,6513,048,004

5,200,000

1472033613,889,913

830.4231,388,9918,304,2286,853,604

411,0923,567,631

14,918,351

30,243

1,145,7556,666,2112,603,9893,584,773

243,8837,184,636

22,127,645759,778

59,265,263

35,245,882

6,890,00211,000,000

3,474,4432,654,936

59,265,263

Investments: Fixed Deposits with Bank 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 Premiums Amounts due from Agents and sub-agents Amounts due from Brokers Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds: Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidClaims Equalisation ReserveAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NET LIABILITIES

Paid-up Share CapitalPreference SharesRetained AccountOther

TOTAL LIABILITIES

SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES


CAPITAL INSURANCE LIMITEDINCORPORATED - 1968

Directors: Y. ALI; S. ALI; V. BELLAMY; F. ALI-KANGALOO; L. SINANAN; C. CALLANDER; A. JOHNSON; S. ALISecretary: F. NANANAuditors: MADAN RAMNARINE & COMPANYCountries other than Trinidad and Tobago in which the Company writes business: Antigua.

ASSETS $ $


LIABILITIES $ $

7,494,2611,010,0005,310,980

14,937,06554,431,701

32,612,36929,647,609

2,964,76060,201,123

630,673 2,713,059

83,184,007

100,0004,126,366

1,015,837870,975763,184

20,150,212110,210,581

110,210,581

96,157,224

9,750,000(45,573,713)

15,960,37622,531,55411,385,140

110,210,581

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

Cash on Deposits with SOI Cash on Current Account and in handOutstanding Premiums: Amounts due from Agents and sub-agents Amounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance Funds: Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Paid-up Share CapitalNon-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained AccountOther

TOTAL LIABILITIES

APPENDIX A


CARIBBEAN ATLANTIC LIFE INSURANCE COMPANY (TRINIDAD AND TOBAGO) LIMITEDINCORPORATED - 1977

Directors: Not AvailableSecretary: Not AvailableAuditors: Not AvailableActuary: Not AvailableCountries other than Trinidad and Tobago in which the Company writes Business: Not Available

ASSETS $ $

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 31ST DECEMBER 2009

LIABILITIES $

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 handPolicy LoansPolicy Loan Interest AccruedOutstanding Premiums Amounts due from PolicyholdersInterest, dividends and rents accruing but not dueSundry DebtorsOther Assets

TOTAL ASSETS

Insurance Funds Long Term Life Surplus AccountClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Non- Admissible Assets Adjustment

TOTAL LIABILITIES

100,00045,454

2,003,166

14,742,2526,628,3568,113,896

88,7661,331

27,8152,968,218

2,148,620

2,187,474734,247

49,871

6,58266,09954,340

12,573,370

17,820,602

17,828,382

(7,780)

17,820,602



COLONIAL FIRE AND GENERAL INSURANCE COMPANY LIMITEDINCORPORATED - 1955

Directors: R. Ng CHOW; N. REIS; A. THOMAS; W.P. HARRIS; H. GOON LUN; R.A. MAYERS; F.T. PREVATT;Secretary: N. REISAuditors: PricewaterhouseCoopers

Countries other than Trinidad and Tobago in which the Company writes business: Turks & Caicos.


ASSETS $ $

LIABILITIES $ $

Investments: Fixed Deposits with Bank 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 non-T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance) Other Investments

Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agents Amounts due from Brokers Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidClaims Equalisation ReserveOutstanding CommissionsAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Paid-up Share CapitalNon- Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained AccountOther

TOTAL LIABILITIES

2,050,00095,863,981

778,4579,802,5724,128,671

20,53340,803,193

619,1006,500,2135,100,000

66,562,37465,914,488

647,88647,241,104

5,511,0901,415,758

23,950,19444,704,009

165,666,720

17,292,843

2,143,07419,926,49514,051,109

18,1912,128,7114,250,525

32,690,490(2,893,228)

255,274,930

189,384,529

15,751,034(19,519,811)

10,667,54813,953,63045,038,000

255,274,930

APPENDIX A


CUNA CARIBBEAN INSURANCE SOCIETY LIMITED INCORPORATED - 1989Directors: T. FARRELL; U. WARNER; J. TEJEDA-VERA; M. CELICHOWSKI; M. PFIFFNERSecretary: A. GOINDOO Auditors: KPMG Actuary: KR CONSULTING SERVICES LIMITEDCountries other than Trinidad and Tobago in which the Company writes business: Antigua & Barbuda, Dominica, Montserrat, St. Kitts & Nevis, St. Lucia.

ASSETS $ $


LIABILITIES $ $

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions Trinidad and Tobago Government Securities 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 LoansPolicy Loan Interest Accrued Amounts due from PolicyholdersInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Long Term Life Surplus AccountPremiums paid in advanceAmount due to ReinsurersDeposits re policiesUnpaid Policyholders dividendsOther Liabilities

NET LIABILITIES

Paid-up Share CapitalNon- Admissible Assets AdjustmentRetained Account

TOTAL LIABILITIES

11,054,,24820,014,09829,492,12038,181,466

6,077,20323,060,992

25,000 13,437,991

132,129,64332,588,10899,541,535

417,3271,605,855

502,9584,573

21,946,198

141,343,118

9,724,5733,370,584

144,72911,303,396

7,466,4761,502,9844,071,8638,831,324

187,705,047

156,606,554

23,423,565(3,450,208)11,125,136

187,705,047



ExPORT-IMPORT BANK OF TRINIDAD AND TOBAGO LIMITEDINCORPORATED – 1973

Directors: C. BENN; A. CATO; A. HADEED; L.LEQUAY; R. ABASALI; G. LAUGHLIN; K. PARKERSecretary: J.A. IBLEAuditors: PANNELL KERR FOSTERCountries other than Trinidad and Tobago in which the Company writes business: Barbados, St. Lucia,Guyana, Grenada, St. Vincent, Jamaica, Antigua.

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGO BUSINESS AS AT 31ST DECEMBER, 2009

ASSETS $ $

LIABILITIES $ $

4,000,000187,000

14,000,000 30,420,000

130,604130,604

188,037,075

Investments: Fixed Deposits with Other Financial Institutions Securities guaranteed by Gov’t of T&T Bonds and Debentures in T&T Companies Other Investments

Cash on Current Account and in handSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance Funds Unexpired Risk reserveOther Liabilities

NET LIABILITIES

Paid-up Share CapitalNon- Admissible Assets AdjustmentRetained AccountOther

TOTAL LIABILITIES

48,607,000

25,670,586227,430,046

2,233,815

303,941,447

188,167,679

112,234,000(3,949,510)

6,432,2911,056,987

303,941,447

APPENDIX A


FURNESS ANCHORAGE GENERAL INSURANCE LIMITEDINCORPORATED – 1979

Directors: W. A. FERREIRA; J. G. FERREIRA; A. FERREIRA; J. MARTIN, V. PRAIM, T. BOSWELL-INNISSSecretary: V. GROSVENORAuditors: MONTANO RAMCHARITAR CHARTERED ACCOUNTANTSCountries other than Trinidad and Tobago in which the Company writes business: NIL.

ASSETS $ $


LIABILITIES $ $

14,728,3242,880,938

183,58811,342,510

6,300

16,250,87814,799,914

1,450,964393,432

3,613,4551,663,338

29,141,660

7,991,107

832,2163,069,983

269,5911,867,116

11,512

43,183,185

LIABILITIES

21,921,103

3,300,000(70,185)

13,295,3564,736,911

43,183,185

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

Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agents Amounts due from BrokersInterest, dividends and rents outstandingSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES



G.T.M. FIRE INSURANCE COMPANY LIMITED INCORPORATED – 1977

ASSETS $ $


LIABILITIES $ $

3,745,3016,026,551

782,297107,654

11,748,184 1,136,787

18,400,47216,727,702

1,672,77010,180,000

2,047,7203,744,783

111,289 4,260,104

Directors: 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 with Other Financial Institutions 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 Other Investments

Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agents Amounts due from BrokersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueFixed Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidClaims Equalisation ReserveAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

23,546,774

1,465,319

700,9514,939,153

428,665532,603

26,138,995

57,752,460

38,744,388

8,816,417(54,887,987)

20,458,88233,331,47711,289,283

57,752,460

APPENDIX A


GUARDIAN GENERAL INSURANCE LIMITED INCORPORATED - 1973Directors: S. WILSON; I. AHAMAD; R. ESPINET; J. MACK; A. LOK JACK; A. LANCASTER; P.GANTEAUME; N. LOK JACKSecretary: K. ABDULLA Auditors: ERNST & YOUNGCountries other than Trinidad and Tobago in which the Company writes Business: Barbados; Grenada; Turks & Caicos; Anguilla; Antigua; Bahamas; Belize; British Virgin Islands; Cayman Islands, Monsterrat; St Kitts/Nevis;St. Lucia; St. Vincent & the Grenadines; United States Virgin Islands.

ASSETS $ $


liabilities $ $

58,350,37672,741,366

103,303,0681,224,594

26,836,26941,649,92924,828,94817,850,050

94,754,626266,330

94,488,296208,568,847

44,470,78820,951,958

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 Premiums Amounts due from Agents and sub-agents Amounts due from Brokers Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry Debtors

TOTAL ASSETS

Insurance Funds Long Term Unearned Premiums ReserveClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

346,784,600

87,995,2622,733,261

2,820,28222,245,369

664,392925,357

18,215,629184,334,047

666,718,199

368,746,219

46,797,434(22,921,568)166,369,294107,726,820

666,718,199



GUARDIAN LIFE OF THE CARIBBEAN LIMITEDINCORPORATED- 1981

Directors: N. LOK JACK; R. TEWARI; S. WILSON; S. AHAMAD; H. GANTEAUME; D. DAVIES; D. HAMEL-SMITH; D.CAMACHO; J MACKSecretary: R. TEWARIAuditors: PricewaterhouseCoopersActuary: D. SEEPERSADCountries other than Trinidad and Tobago in which the Company writes business: Barbados;St Vincent & The Grenadines; British Virgin Islands.

ASSETS $ $


LIABILITIES $ $

968,772,313441,211,018

11,613,805886,322,290

11,015,850553,006,022365,485,681126,236,936

1,609,616457,071,434149,812,924

3,124,672

4,317,054,8423,823,918,915

433,810,68159,325,246

108,997,7471,253,5738,218,107

15,523,53932,798,100

8,108,895225,363,685

3,975,282,561

79,472,610148,691,149

18,376,114826,685

9,655,865

50,268,85058,587,22955,164,695

426,925,680356,160,549 84,216,102

5,263,628,089

4,717,318,488

61,388,680(91,733,985)

33,612,74952,396,104

490,646,054

5,263,628,089

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 Preference shares in non-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 LoansPolicy Loan Interest AccruedOther LoansOutstanding Premiums Amounts due from Policyholders Amounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Long Term Life Surplus Account Unearned Premiums ReserveClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersDeposits re policiesAccrued interest on policiesOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

APPENDIX A


GULF INSURANCE LIMITEDINCORPORATED - 1974

Directors: G. LEE-INNISS; E. COLLIER; C. JONES; M. POON TIP; M. SINGH; J. DALGLEISH; P. BUXOSecretary: LEON WILLIAMSAuditors: KPMG CHARTERED ACCOUNTANTSCountries 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, Turks & Caicos, Cayman Islands, St. Vincent and The Grenadines

ASSETS $ $

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 31ST MARCH, 2009

LIABILITIES $ $

3,033,09624,196,802

4,300,000695,174

2,344,978

11,494,90010,449,909

1,044,99116,258,874

7,421,05111,056,719(6,061,256)

Investments:Fixed Deposits with BankFixed Deposits with Other Financial InstitutionsTrinidad and Tobago Government SecuritiesSecurities guaranteed by the Gov’t of T&TOrdinary shares in T&T Companies

Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agents Amounts due from Brokers Amounts due from PolicyholdersAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities

NET LIABILITIES

Paid-up Share CapitalRetained AccountOther

TOTAL LIABILITIES

34,570,050

3,868,977

1,588,6811,852,4343,283,2743,866,819

488,33427,795,021

24,834,493

107,456,385

40,170,288

13,500,00018,201,84135,584,256

107,456,385



MARITIME GENERAL INSURANCE COMPANY LIMITEDINCORPORATED - 1978

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

ASSETS $ $


LIABILITIES $ $

15,750,000125,097,662

15,831,69957,187,968

55,082,54051,239,573

3,842,96778,179,302

2,323,46910,539,838

6,4324,546,033

71,620,182

236,189,771

17,219,817

3,435,8242,085,790

22,51316,411,54636,306,214

344,270,093

LIABILITIES

225,112,760

4,965,00071,842,71342,367,661

344,270,093

Investments: Fixed Deposits with Other Financial Institutions 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 handOutstanding PremiumsAmounts due from brokersInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsPremiums paid in advanceOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

APPENDIX A


MARITIME LIFE (CARIBBEAN) LIMITEDINCORPORATED - 1971

Directors: J.H. SMITH; J. SOHUN; L. ALFONSO; A. FURGUSON Secretary: THE MARITIME FINANCIAL GROUP LIMITEDAuditors: PANNELL KERR FORSTER Actuary: VALANI CONSULTING INC.Countries other than Trinidad and Tobago in which the Company writes business: NIL.

ASSETS $ $


LIABILITIES $ $

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 Investment in dependent companies (insurance) Investment in dependent companies (non-insurance) Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding Premiums Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance FundsLong termAmount due to ReinsurersBank Loans and OverdraftsProvisions for unreported claimsUnpaid Policyholders dividendsOther Liabilities

NET LIABILITIES

Paid-up Share CapitalShare Premium AccountRetained AccountOther

TOTAL LIABILITIES

104,719,57728,739,201

324,271,35625,525,06726,472,21456,625,93411,056,770

217,71778,145,19828,350,10089,845,082

911,767,747911,767,747

1,872,7378,561,287

12,673,4436,991,292

61,695,178

773,968,216

2,127,33371,722,19343,656,573

8,118,12715,661,962

8,306,48714,780,206

235,793,141

1,174,134,238

LIABILITIES

1,003,561,684

10,871,3875,712,341

30,285,007123,703,819

1,174,134,238



MEGA INSURANCE COMPANY LIMITEDINCORPORATED - 1980

ASSETS $ $


LIABILITIES $ $

4,678,1203,000,000

26,909,95711,442,16254,195,900

5,384,697 10,111,599

176,494,608176,494,608

4,609,483177,819147,343

1,244,91213,528,987

512,7115,067,455

Directors: E. CHEONG; I. BEHARRY; K. CHOLMONDELEY; B. DOYLE; C. GILL; K. ISAACS; H. RUSSELL; A. TOMYEW; P. VILAIN; O. TAYLOR; D. TEMPROSecretary: P. ALEONG Auditors: KPMGActuary: PRESCIENCE INSURANCE CONSULTING AND ACTUARIES INC. Countries other than Trinidad and Tobago in which the Company writes business: NIL.

115,722,435

9,224,299854,607

4,643,660222,896

35,4353,512,2471,968,631

989,80965,740,06312,473,800

215,387,882

LIABILITIES

201,783,318

36,465,357(12,449,645)(52,924,897)

42,513,749

215,387,882

Investments: Fixed Deposits with Bank Fixed Deposits with other financial institutions Trinidad and Tobago 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 handMortgage LoansPolicy LoansPolicy Loan Interest AccruedOutstanding Premiums Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Long TermClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersBank Loans and overdraftsDeposits re policiesOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

APPENDIX A


MOTOR ONE INSURANCE COMPANY LIMITEDINCORPORATED - 1976

Directors: D. RAMLAL; S. RAMDATH; V. RAMLOGAN; L. DHANOO; G. MAHARAJ; L. AYOUNGSecretary: S. DHANOOAuditors: DE LOITTE & TOUCHECountries other than Trinidad and Tobago in which the Company writes business: NIL.

ASSETS $ $


LIABILITIES $ $

386,9864,778,834

21,717,440122,584

4,070,009

25,112,12022,829,200

2,282,9205,188,9541,037,790

346,2783,447,6835,575,902

31,075,853

3,097,345

227,791342,539

14,850,6657,064,318

56,658,511

40,708,727

9,000,000(4,239,852)

3,581,6151,654,1745,953,847

56,658,511

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

Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agentsInterest, dividends and rents accruing but not dueFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk ReserveClaims admitted or intimated but not paidClaims Equalisation ReserveAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities

NET LIABILITIES

Paid-up Share CapitalNon-admissible Assets AdjustmentUnrealised Revaluation ReservesRetained AccountOther

TOTAL LIABILITIES



NATIONWIDE INSURANCE COMPANY LIMITEDINCORPORATED - 1973

ASSETS $ $


LIABILITIES $ $

29,776,19412,623,342

4,356,4123,976,0665,169,247

38,738,13738,710,281

27,8562,022,864

50,585(2,460)95,192

541,791 1,121,192

Directors: P. DOWNES-GRANT; K. MARSHALL; T. MARTINS; A. ALEONG; J. BETHELLSecretary: C. PASEAAuditors: PricewaterhouseCoopers

Actuary: S. GOULET-ECKLER LTD.Countries other than Trinidad and Tobago in which the company writes business: NIL.

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

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

TOTAL ASSETS

Insurance Funds Long Term Life Surplus AccountClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersBank Loans and overdraftsDeposits re policiesOther Liabilities

NET LIABILITIES

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

TOTAL LIABILITIES

55,901,260

916,640321,187

4,865,750

83,7901,856,853

293,19465,336

309,2728,053,648

72,666,932

LIABILITIES

42,567,301

3,394,58744,861

(3,036,204)1,836,389

27,859,997

72,666,932

APPENDIX A


SAGICOR GENERAL INSURANCE INCORPORATEDINCORPORATED - 2006

ASSETS $ $


LIABILITIES $ $

15,402,11523,506,97029,631,92517,999,000

30,869,70530,869,70530,446,65612,907,467

40,263,568

Directors: M.J.K. PRITCHARD; D. DEANE; M.P. DOWNES-GRANT; C.N. SMALL; A. THOMAS; V.L. YEARWOOD; R.C. RAMBARRANSecretary: A.C. HAZZARD Auditors: PricewaterhouseCoopers Actuary: ECKLER CONSULTANTS & ACTUARIESCountries other than Trinidad and Tobago in which the company writes business: Barbados, Dominica, St. Lucia, Antigua.

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions Trinidad and Tobago Government Securities Bonds and Debentures in T&T Companies

Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agents Amounts due from Brokers Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsUnexpired Risk reserveClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Non- Admissible Assets AdjustmentRetained AccountsOther

TOTAL LIABILITIES

86,540,010

18,963,953

2,030,54513,328,489

424,9282,389,1541,412,881

15,907,0512,894,693

220,122

144,111,826

114,487,396

(2,910,439)31,867,826

667,043

144,111,826



SAGICOR LIFE INCORPORATED INCORPORATED 2002

Directors: A. BETHELL; S. Mc NAMARA; J. LIONEL; A. ALEONG; D. MILLER; W. LUCIE- SMITH; C. de CAIRES; J. COMMA; PROF. H Mc. DONALD BECKLES; M DOWNES- GRANT; D WRIGHTSecretary: S. OSBORNEAuditors: PricewaterhouseCoopers

Actuary: S. GOULETCountries other than Trinidad and Tobago in which the Company writes business: Anguilla, Antigua & Barbuda, Dominica, Grenada, St. Kitts, St. Lucia, St. Vincent & The Grenadines, Barbados.

ASSETS $ $


LIABILITIES $ $

10,000,00080,706,585

325,984,090231,299,702127,739,827

45,906,984

16,473,37640,341,61851,409,936

124,391,9911,335,233

441,644,15442,758,548

9,675,162 664,158

2,789,652,2042,065,609,894

709,355,88914,686,42141,390,149

735,8435,215,5877,198,8973,353,074

34,900,163

1,504,424,380

11,118,601671,678,269

8,118,620517,536

35,266,048

12,985,82210,378,22522,153,522

1,476,894205,202,180211,539,221

30,997,645

2,725,856,963

2,882,445,917(225,208,463)

63,869,4694,750,039

2,725,856,963

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Foreign Government Securities Other 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 LoansPolicy Loan Interest AccruedOther LoansOutstanding Premiums Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Long Term Life Surplus Account Unexpired Risk reserveClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersUnpaid Policyholders dividendsOther Liabilities

NET LIABILITIESNon- Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account

TOTAL LIABILITIES

APPENDIX A


SCOTIALIFE INSURANCE LIMTED INCORPORATED 2003

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

ASSETS $ $


LIABILITIES $ $

2,800,0004,431,283

142,267,23126,591,865

1,586,708128,318

25,000,000

303,722,614303,722,614

261,1571,080,103

119,172 8,169,985

202,805,404

7,022,334202,122,367

77,9587,077,774

121,154

419,226,992

313,353,030

60,000,00045,873,962

419,226,992

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 Bonds and Debentures in T&T Companies

Cash on Current Account and in handMortgage LoansOutstanding Premiums Amounts due from PolicyholdersInterest, dividends and rents accruing but not dueSundry Debtors

TOTAL ASSETS

Insurance FundsLong TermClaims admitted or intimated but not paidPremiums paid in advanceDeposits re policiesOther Liabilities

NET LIABILITIES

Paid-up Share CapitalRetained Account

TOTAL LIABILITIES



SUN LIFE ASSURANCE OF CANADAINCORPORATED 1952

Directors: J.C. BAILLIE, G.W. CARMANY III, J.H. CLAPPISON; D.A. GANONG, G.GIBARA; K.T. HOEG; D.W. KERR; I.F. KESNER; B.F. NADEAU; R.W.OSBOURNE; D.A. STEWART; W.V. STOUGHTON; M. MERINSecretary: J. M. WILSON Auditors: DELOITTE & TOUCHE LLPActuary: R. W. WILSONCountries other than Trinidad and Tobago in which the Company writes business: Canada, United States, United Kingdom, Philippines, Hong Kong, Bermuda, Indonesia, India and China.

ASSETS $ $


LIABILITIES $

1,162,030

397,024397,024

36,431465,517

790,723

Investments: Trinidad and Tobago Government Securities

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

TOTAL ASSETS

Insurance Funds: Long-TermClaims admitted or intimated but not paidDeposits re: policies Other Liabilities

NET LIABILITIES

TOTAL LIABILITIES

1,162,030

271,372246,689

9,604

1,689,695

LIABILITIES

1,689,695

1,689,695

$

APPENDIX A


TATIL LIFE ASSURANCE LIMITEDINCORPORATED - 1977

ASSETS $ $


LIABILITIES $ $

114,998,112126,298,113122,463,610

7,019,918177,578,697

86,633,1301,560,684

240,184,572

1,201,551,916619,753,280581,798,636

20,405,4505,366,3311,574,7574,919,481

104,223,238

Directors: A. N. SABGA; R. A. SUMAIRSINGH; G. BROOKS; V. HERDE; D. CLARKE; M. MOSES. N. EDWARDS; M.M IBRAHIMSecretary: R. LAI FANGAuditors: ERNST & YOUNGActuary: APEX CONSULTING LIMITEDCountries other than Trinidad and Tobago in which the Company writes business: NIL.

Investments: Fixed Deposits with Other Financial Institutions 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

Cash on Current Account and in handMortgage LoansPolicy LoansPolicy Loan Interest AccruedOutstanding Premiums Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsLong TermLife Surplus AccountClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersDeposits re policiesOther Liabilities

NET LIABILITIES

Paid-up Share CapitalNon- Admissible Assets AdjustmentUnrealised Revaluation Reserves

TOTAL LIABILITIES

1,039,379,102

36,637,55272,609,69011,664,540

1,044,873

610,5678,717,170

34,143,1779,448,834

22,000,000167,204,934

1,403,460,439

LIABILITIES

1,338,041,1723,000,000

(1,215,364)63,634,631

1,403,460,439



THE BEACON INSURANCE COMPANY LIMITEDINCORPORATED - 1970

Directors: G.S.HADEED; P. BRYAN; R. LEWIS; L. GONSALVES; F. DE NOBRIGA; D. GONSALVES; R. HAMEL-SMITHSecretary: D. GONZALEZAuditors: PricewaterhouseCoopers Actuary: ECKLER PARTNERS, PRESCIENCE INSURANCE CONSULTANTS & ACTUARIES Countries other than Trinidad and Tobago in which the Company writes Business: Barbados, Commonwealth of Dominica, Grenada, Suriname, St Lucia, St. Vincent and The Grenadines, St. Christopher and Nevis.

ASSETS $ $

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 30TH JUNE, 2009

LIABILITIES $ $

5,471,97433,649,000

1,093,7507,713,9551,137,015

6,097,145

39,406,053194,256

36,592,8322,618,965

39,554,84510,440,11287,536,258

55,162,839

11,483,9543,050,209

11,464,1894,047,916

83,031,694902,946

8,079,5012,272,704

179,495,952

176,937,268

10,000,000(8,212,570)

248,186(8,507,282)

9,030,350

179,495,952

Investments: Fixed Deposits with Bank Securities guaranteed by the Gov’t of T&T Other 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 handLoans on Debentures of SharesOutstanding Premiums Amounts due from Brokers Amounts due from Policyholders Amounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

LI

Insurance Funds Long Term Unearned Premiums Reserve Unexpired Risk ReserveClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES

APPENDIX A


THE DEMERARA LIFE ASSURANCE COMPANY OFTRINIDAD AND TOABGO LIMITED INCORPORATED - 1970

Directors: P. GILLETTE; R. FIELDS; K. CHOLMONDELEY; H. RUSSELL; C. NIMBLETT; J. MORGAN; C. GILLSecretary: G. DE MATASAuditors: PANNELL KERR FORSTERActuary: PRESCIENCE INSURANCE CONSULTANTS & ACTUARIES INC.Countries other than Trinidad and Tobago in which the Company writes business: Nil

ASSETS $ $

SSUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAG BUSINESS AS AT 31ST DECEMBER, 2009

LIABILITIES $ $

34,718,2894,998,127

32,765,3773,698,7406,138,203

600,392

98,211,66154,088,04544,123,616

2,072,710180,129

11,098,056

82,919,128

1,629,644421,938

3,809,466174,479

62,985471,377

2,007,0572,403,422

40,629,770

134,529,266

111,562,556

5,750,00014,300,571

2,916,139

134,529,266

Investments: Fixed Deposits with Bank Trinidad and Tobago Government Security 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 LoansPolicy Loan Interest AccruedOutstanding Premiums Amount due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends, and rents accruing but not dueSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance Funds Long Term Life Surplus AccountClaims admitted or intimated but notPremiums paid in advanceOther Liabilities

NET LIABILITIES


TOTAL LIABILITIES



THE NEW INDIA ASSURANCE COMPANY (TRINIDAD AND TOBAGO) LIMITEDINCORPORATED - 1976

ASSETS $ $

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 30TH JUNE, 2009

LIABILITIES $ $

15,981,4059,233,571

12,553,90 7179,360

21,327,794

28,225,77325,659,795

2,565,97815,997,935

3,199,98531,673,352

6,473,684

Directors: M. RAMADOSS; K. SIRJU; A BAJAJ; J. SIEWRATTAN; H. BROOMES ; A. SEKAR ; J. JOSEPH

Secretary: H.S SERVICES LIMITED

Auditors: KPMG CHARTERED ACCOUNTANTS

Countries other than Trinidad and Tobago in which the Company writes business: Dominica, St. Lucia, St. Maarten.

Investments: Fixed Deposits with Bank 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 Premiums Amounts due from Policyholders Amounts due from other Insurance CompaniesSundry DebtorsFixed Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums Reserve Unexpired Risk reserveClaims admitted or intimated but not paidClaims Equalisation ReserveAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Preference SharesShare Premium AccountNon- Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained AccountOther

TOTAL LIABILITIES

59,276,037

35,707,742

16,367,4874,991

9,053,31916,811,460

137,221,036

85,570,729

17,418,945199,242

(8,711,831)7,020,085

25,571,02610,152,840

137,221,036

APPENDIX A


THE PRESIDENTIAL INSURANCE COMPANY LIMITEDINCORPORATED - 1970

ASSETS $ $

SUMMARY OF BALANCE SHEET IN RESPECT OF TRINIDAD AND TOBAGOBUSINESS AS AT 31ST OCTOBER, 2009

LIABILITIES $ $

1,681,4561,425,0006,203,522

14,770,646 64,624

16,320,95916,320,95912,868,223

2,188,5591,052,4005,838,057

Directors: A. HALLIM; A. ALI; N. ALI-MOHAMMED; R. RAJCOOMAR; H. HOSPEDALES; S. ALI

Secretary: R. RAJCOOMAR

Auditors: KRISHNA SEEGOBIN & COMPANY

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

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 handOther LoansOutstanding Premiums Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums ReserveClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities

NET LIABILITIES

Paid-up Share CapitalUnrealized Revaluation ReservesRetained AccountOther

TOTAL LIABILITIES

24,145,248

813,309240,752

4,784,5645,067,399

438,47040,131

27,538,7771,788,849

64,857,499

LIABILITIES

38,268,198

15,000,0006,272,0652,924,1242,363,807

64,857,499



THE REINSURANCE COMPANY OF TRINIDAD AND TOBAGO LIMITEDINCORPORATED - 1975

ASSETS $ $


LIABILITIES $ $

5,803,09522,507,256

4,000,0001,606,5002,873,7872,998,220

12,741,450

64

23,262,454581,044

22,681,41021,973,892

6,443,9401,610,769

Directors: R. LAKHAN–NARACE; D. LALOR; P LALOR; D. MITCHELL; F. AL RAWI; R. TIM KEEL; J. GONZALESSecretary: A. WEST SMITH Auditors: KPMGActuary: W. AGUAYOCountries other than Trinidad and Tobago in which the company writes business: Barbados.

Investments: Fixed Deposits with Other Financial Institutions Trinidad and Tobago Government Securities Trinidad and Tobago Government Securities guaranteed Other Caricom Governments Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Other Investments Preference Shares in non-Trinidad and Tobago Companies

Cash on Current Account and in handOutstanding Premiums Amounts due from BrokersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterests, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance Funds Long Term Unearned Premiums ReserveClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Paid-up Share CapitalShare Premium AccountNon- Admissible Assets AdjustmentRetained AccountOther

TOTAL LIABILITIES

52,530,372

8,570,785

8,358,1914,290,358

421,52514,375

1,055,4466,476,838

0

81,744,890

55,488,444

20,333,3331,929,166

-15,391,78810,898,830

8,486,905

81,744,890

APPENDIX A


THE UNITED SECURITY LIFE INSURANCE COMPANY LIMITEDINCORPORATED – 1959

ASSETS $ $


LIABILITIES $ $

1,471,3031,002,7115,500,0001,766,124

395,092301,369

5,407,793

17,308,87417,308,

1,143,921384,415510,319

Directors: N/ASecretary: N/AAuditors: N/A Actuary: N/ACountries other than Trinidad and Tobago in which the Company writes business: Anguilla, Antigua & Barbuda, Dominica, Grenada, Montserrat, St. Kitts, St. Lucia, St. Vincent & The Grenadines, Guyana.

15,844,392

3,086,711106,725

0256,091

52,610

19,347,529

19,347,529

19,347,529

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions Trinidad and Tobago Government Securities Other Caricom 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 LoansAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry Debtors

TOTAL ASSETS

Insurance Funds Long TermClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities

NET LIABILITIES

Non- Admissible Assets Adjustment

TOTAL LIABILITIES



TRINIDAD AND TOBAGO INSURANCE LIMITED-INCORPORATED – 1963

ASSETS $ $


LIABILITIES $ $

028,113,30839,818,80926,362,459

2,147,97957,146,638

9,700,58514,140

52,591,60338,762,511

6,861,24127,953,566

73,746,44665,671,231

8,075,21578,627,394

1,985,50715,106,23858,883,790

Directors: ANTHONY N. SABGA; RAY A. SUMAIRSINGH; GERRY BROOKS; VICTOR HERDE; DAVID CLARKE; MICHAEL MOSES; M. IBRAHIM; N. EDWARDS; R. JONES.Secretary: R. LAI FANGAuditors: ERNST & YOUNG Actuary: APEX CONSULTING LIMITEDCountries other than Trinidad and Tobago in which the company writes business: Barbados

289,472,839

30,424,461

8,434,8008,530,4971,833,975

219,4036,307,482

13,590,84075,640,97965,235,537

499,689,913

228,349,375

19,069,59632,944

-11,974,13934,057,056

167,164,70262,779,914

499,689,913

Investments: Fixed Deposits with Bank Fixed Deposits with Other Financial Institutions 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 Investment in dependent companies (insurance) Investment in dependent companies (non-insurance) Cash on Current Account and in handOutstanding Premiums Amounts due from Agents and sub-agents Amounts due from Brokers Amounts due from PolicyholdersAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets

TOTAL ASSETS

Insurance FundsUnearned Premiums ReserveUnexpired Risk reserveClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersOther Liabilities

NET LIABILITIES

Paid-up Share CapitalShare Premium AccountNon- Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained AccountOther

TOTAL LIABILITIES

APPENDIX A


THE UNITED SECURITY LIFE INSURANCE COMPANY LIMITEDINCORPORATED – 1959

ASSETS $ $


LIABILITIES $ $

21.034,0883,638,1366,350,000

32,062,773

6,084,5256,084,5258,008,502-230,505

3,487,11790,919,804

Directors: H.A. TOPPIN; R.G. CAVE; G. KING; D.A. BLACKMAN; P. SYMMONDS; D. O’BRIEN; B DULAL-WHITEWAY; D. ALLEYNESecretary: N. BRACEAuditors: 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.

63,084,997

020,696,733

0

4,179,7971,718,2161,232,862

179,616

91,092,222

17,349,638

-26,412,23026,322,57773,832,237

91,092,222

Investments: Fixed Deposits with Bank Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Investments

Cash Deposits with the Supervisor of InsuranceCash on Current Account and in handLoans on Debentures of SharesOutstanding Premiums Amounts due from Brokers Amounts due from PolicyholdersInterest, dividends and rents accruing but not dueFixed Assets

TOTAL ASSETS

Insurance Funds Unearned Premiums ReserveClaims admitted or intimated but not paidClaims Equalisation ReserveOutstanding CommissionsOther Liabilities

NET LIABILITIES

Non- Admissible Assets AdjustmentRetained AccountOther

TOTAL LIABILITIES



LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, 1980 AS AT 31ST DECEMBER 2009

APPENDIX BLIST OF REGISTERED AGENTS

AGENT

1 On 1 Solutions Limited

A & R Financial Advisory Services Limited

A.B. Financial Solutions Limited

A.E.R. Investment Services Limited

A.S. Bryden & Sons (Insurance) Limited

Abco Insurance Services Limited

ABS Financial Services Limited

Accident Insurance Marketing Limited

Adrian Balkissoon t/a Adrian Balkissoon Enterprises

Affonso Insurance Services and Investments Limited

AGN Insurance and Investments Limited

Albert N. Abreu t/a Abreu Trading Company

Allan Anthony Tang Choon

ALM Insurance Services Limited

Almandoz (Tobago) Limited

Alternative Insurance Services Limited

Amada Investments & Financial Services Limited

Ameera Dattadeen

Amity Insurance Agencies Limited

Amrit Insurance & Investments Consultants Limited

Amritam Services Limited

Anaid Investments Limited

Andrea Mar t/a AJM Financial Services

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23



AGENT

Andrew Calcut t/a Calcut Insurance Services

Andy De Vert Insurance Consultants Limited

Anina Financial Services Limited

Anna Easton

Anna Gillian Mohammed

Anna Nunes t/a Erna Insurance Services

Annette Khan

Anormel Investments Limited

Anthony Ramsingh t/a Anthony Ramsingh Insurance Services

Archton Services Limited

Arthur Bishop Insurance Services Limited

ASC Insurance Services limited

Assure Investments Limited

Astad Investments Limited

Atherly Services Limited

Avalon Marcus & Company Limited

B&B Gray Enterprises Limited

B. Pedro Insurance Services Limited

B. Williams-Groome Financial Services Limited

B.J. Financial Services Limited

Babita Gosine t/a B. Gosine’s Insurance Agency

Balgovind Indar Lal Insurance Services LimitedBarbara Kanhai t/a St. Clair Financial Services

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

LIST OF REGISTERED AGENTS



AGENT

Barbara Kanhai t/a St. Clair Financial Services

Basil Fraser t/a Basfra Insurance Services

Bates Asset Management Company Limited

Ben’s Insurance & Financial Services Limited

Betty Beatrice De Roche t/a Elizabeth Enterprises

Beverly Warner t/a First Brokerage International

BMW Professional Services Limited

Brent Durity t/a B.D’s Services

Brian Christopher Samlalsingh Limited

Bridon’s Wealth Management Services Limited

Brittasia Investments Limited

Build To Win Investment Solutions Limited

Byron Enterprises Limited

C & Y Dass Services Limited

C. Leotaud & Son Limited

C.A.J. Limited

C.A.P. Services Limited

Caesar’s Advisory Services Limited

Calvin Mendez Financial Services Limited

Camacon Limited

CAMWIIL Financial Enterprises Limited

Candy Financial Services Limited

Carew Financial Services Limited

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

APPENDIX B



AGENT

CFJ Services Limited

Chanrakali S. Mangaroo

Charles Murray

Charmaine Maharaj

Chase Financial Solutions Limited

Cheelan’s Financial Advisory Services Limited

Chetwyn Financial Services Limited

Christian B. Grant Financial Solutions Limited

Christian Hosang

Christopher Knaggs t/a Kris K. Insurance Services

Christopher Lyons Financial Services Limited

Claims Consultants & Administrators Limited

Clayton’s Financial and Investments Services Limited

CLICO Credit Union Co-operative Society Limited

CLS Insurance Advisory Services Limited

Coastline Financial Services Limited

Conec Marketing & Financial Services Limited

Cournand Insurance Services Company Limited

Cuna Caribbean Insurance Services Limited

Czar Insurance Services Limited

D.R. Investment & Financial Services Limited

Dalchand Harrilal Seerattan t/a DHS Insurance Consultants & Advisory Services

69

70

71

72

73

74

75

76

77

78

79

80

81

82

83

84

85

86

87

88

89

90




AGENT

Daryl Dasent t/a DJZ Investments

David A. Stephens Insurance Services Limited

David Antoine

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

David Parasram

Dayna Vieira t/a Mayfair Insurance Services

Delothmar Parray t/a Universal Financial Advisory Services

Demming Marketing Limited

Deneco Limited

Dennis Ramdwar Insurance Agency Limited

Deodath Ramdath Singh Insurance & Investment Services Limited

Dilmatie Siewbaran-Boodram

Dipnarine Sinanan

Dominic Gonzalez t/a Suretrade Investments Services

Doncabris Financial Planning Associates Limited

Donna Salandy t/a Meihkofin Services

Dove Financial Services Limited

Duncan Financial Services Limited

DVD Services Limited

Dwarika and Associates Limited

Dyal Ramcharan t/a Dyal Ramcharan Insurance Services

91

92

93

94

95

96

97

98

99

100

101

102

103

104

105

106

107

108

109

110

111

APPENDIX B



AGENT

Dynamic Financial & Concepts Limited

E.K.H. Consultancy Services Limited

Eaglestar Insurance Services Limited

Eastern Credit Union Co-operative Society Limited

ED Investments Limited

Edwin Boyce t/a Edwin T. Boyce Insurance Services

EKTA Consultants Company Limited

Elizabeth Grace Ganga

Elizabeth Ramathally t/a Frank Ramdeen’s Insurance Agency

Emmanuel Lawrence t/a EC Lawrence Insurance Services

Enrique Huggins Insurance Services Ltd.

Ephraim Thompson t/a Ephraim Insurance Consultant Services

Estee Enterprises Limited

Eugene Nurse

Euodoo Financial Services Limited

Everard Cabral

Executive Insurance Company Services Limited

Expert Financial Investments Company Limited

F&G Enterprises Limited

FAM Investments Limited

FAN Financial Services Limited

112

113

114

115

116

117

118

119

120

121

122

123

124

125

126

127

128

129

130

131

132




AGENT

Fazaad Bacchus & Company Limited

Federal Financial Services Limited

Ferm Insurance Services Limited

FFS Limited

Financial Advisory Services Limited

Financial Evaluation Sales & Services Limited

Flemco Services Limited

Fortunata Services Limited

Fuentes Financial Services Limited

Futuristic Insurance Services Limited

FYC Limited

G.M. Investments Limited

G.R.B. Financial Services Limited

Garon Limited

Gee Hee Tee Insurance Services Limited

Geeta Manbodh-Lakhan

General Financial Services Limited

Gerald John Investments Limited

Gerard Charran Ramroach

Gerhard Akien Limited

Gervase Hannays t/a G.H. Insurance Services

GFiguera Insurance Services Limited

133

134

135

136

137

138

139

140

141

142

143

144

145

146

147

148

149

150

151

152

153

154

APPENDIX B



AGENT

GHOS Financial Consultant Services Limited

Glenn Redhead Services Limited

Gold Coin Financial Solutions Limited

Golden Future Investments Limited

Good Financial Services Limited

Gopee Samlalsingh & Associates Limited

Gordon, Grant & Company Limited

Grandwheels Services Ltd.

Great Horizons Limited

Gregory Emile Joseph t/a Quick Services Enterprise

Guy Algernon Burton Ottley

GVL Financial Solutions Limited

H.H. Services Limited

Habil Mohammed t/a Habil Mohammed Agency

Hamilson’s Insurance Services Limited

Hansa Marketing Limited

Haven Financial Services Advisory Limited

Health & Wealth Management Consultants Ltd.

Helen Ache t/a H. Ache Insurance Services

Herman O. Creque & Company Limited

Hillcrest Investments Limited

Hugo Mc Farlane

155

156

157

158

159

160

161

162

163

164

165

166

167

168

169

170

171

172

173

174

175

176




AGENT

I Will Finance Limited

Ian Stone t/a I.S. Insurance Consultants

iCAN Corporation Limited

Ignatius and Company Limited

Iles Insurance Services Limited

Indira Mohammed

Investor’s Paradise Financial Services Limited

J & L Financial & Counselling Services Limited

J&C Agencies Limited

J. Mohess & Company Limited

J. Rampersad & Co. Limited

J.K.N. Financial Services Limited

Jacqueline Bennett t/a J. Bennett Insurance Consultants

Jae-Birch Financial Services Limited

Jai Services Limited

Jeewan Birbal t/a Jeewan Enterprises

Jemmot Manmohan t/a Jemmot Manmohan Insurance and Investments

Jenkha Limited

Jennifer Gonzalez t/a Jennifer Gonzalez Insurance Services

Jennifer Lessey-Jordan t/a JLJ Consultant

Jewels Financial Management Limited

177

178

179

180

181

182

183

184

185

186

187

188

189

190

191

192

193

194

195

196

197

APPENDIX B



AGENT

JJ’s Insurance & Financial Services Limited

Joan Carr t/a Joan Carr Insurance Services

Joel Martinez & Associates Ltd.

Jofanca Financial Services Limited

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

Jonathan Decle t/a J.D. Insurance Services

Jones Motors Limited

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

Joseph Ramlal

Judy Weaver T/A J.V.W. Financial Services

Jury Mohammed t/a Mohammed Motor Insurance Agency

K.J.F. Insurance & Financial Services Limited

K.S.W. Financial Services Limited

Kaav Enterprises Limited

Kalyaani Limited

Kanith Investments Limited

Karian Investments Limited

Kedar Gajadharsingh t/a Gajadharsingh Insurance & Travel Services

Kee Investment Strategies Limited

Keith Charles Financial Services Limited

Keith’s Financial Services Limited

198

199

200

201

202

203

204

205

206

207

208

209

210

211

212

213

214

215

216

217

218




AGENT

Kelvin Rollock Insurance Associates Limited

Kermit Khan t/a Khan’s Motor Insurance Agency

Kerry Ramjag

Kevin Davis t/a K. Davis Consultants

Kirby Ifill Financial Services 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 R J Financial Advisory Services Limited

L.G.G. Investments Limited

L.R.& J Investments Limited

Lange Trinidad Limited

Leroy David

Lester Persad Insurance Agency Limited

Lexcorp Company Limited

LFM Investments Limited

Lincar Limited

Logimex Group Limited

Loren Investments and Financial Enterprises Limited

Lucky Robinson Insurance & Allied Services Limited

219

220

221

222

223

224

225

226

227

228

229

230

231

232

233

234

235

236

237

238

239

240

APPENDIX B



AGENT

Lurson Financial & Investment Services Limited

Lydia Pierre

Lynda Persad

M & G Enterprises Limited

M.S.B. Insurance Services Limited

M.S.C.D. Investments Limited

M.U.C.H. Services Limited

Marcia Assam t/a Marcia Assam Financial Services

Margaret Griffith-Edwards

Mariana Galindo t/a Kaym’s Financial Services

Marius Advisory Services Limited

Marjen Financial & Insurance Services Limited

Mar-Q Financial Services Limited

Martel Investment Limited

Maxim Investments Limited

Mayans Services Limited

Mazely Enterprises Limited

Mervina Hosein

Michael Harricharan

Michael Leacock

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

MMVL Financial Services Limited

241

242

243

244

245

246

247

248

249

250

251

252

253

254

255

256

257

258

259

260

261 262




AGENT

MPA Insurance Services Limited

Muhammed Dattadeen

Myron Rudder t/a Myron Rudder Agency

N & Q Investments Limited

Naceri Limited

Nadeira Yasmin Khan

Naidu Powdhar t/a Naidu Powdhar Insurance Agency

Nare Insurance Agencies Limited

Narendra Russel Sookram

Nazia Ali-Azim

New Creation Investments Limited

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

Nigel G. Salina & Associates Company Limited

Nirveeta Agencies Limited

Noel Noel & Associates Limited

Noel’s Ultimate Financial Solutions Limited

Northern Atlantic Insurance & Finance Company Limited

On Line Financial Services Limited

Oodles Financial Services Limited

Oswald Alexis Joseph

P.K. Management Services Limited

263

264

265

266

267

268

269

270

271

272

273

274

275

276

277

278

279

280

281

282

283

APPENDIX B



AGENT

Padmawatee Maharaj-Despot t/a Soldado Insurance Agency

Palm Trees Services Limited

Pamela Momen Rampersad

Paramount Investments Limited

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

Persad’s Financial Services Limited

Peter Ramlochan

Petra Eligon t/a PE Financial Consultancy Services (PEFICS)

PGM Financial Services Limited

Portfolio Development Services Limited

Portfolio Serve Limited

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

Presidential Insurance Company Limited

Prime General Insurance Limited

Prince Primus Investment Limited

Proffer Investments Limited

Q-Rator Financial Services Limited

284

285

286

287

288

289

290

291

292

293

294

295

296

297

298

299

300

301

302

303

304




AGENT

Quality Investments Limited

Qwest Investments Limited

R & N Insurance Services Limited

R & Z Electrical Sales & Services Limited

R. Singh Financial Services Limited

R.C.S.N. Investments Limited

R.J.R. Investments and Insurance Services Limited

Rabah Financial Services Limited

Radha Soochit-Augustine

Rae Francis t/a Investment & Financial Planning Solutions

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

Rahamut & Company Limited

Ralico Insurance Services Limited

Ramanan Jaikaran

Ramkhelawan Financial and Insurance Services Limited

Ramlogan Associates Limited

Ramsahai Investment Service Enterprise Limited

Randy Hosein Limited

Rasheed Ali t/a Rasheed Ali Insurance Services

Raymond Elias

RBTT Insurance Agency Limited

RDA Financial Services Limited

305

306

307

308

309

310

311

312

313

314

315

316

317

318

319

320

321

322

323

324

325

326

APPENDIX B



AGENT

Recover Insurance Services Limited

Reis Financial Services Limited

Reward Enterprises Limited

Rhevol Insurance and Investment Services Ltd.

Riansel Financial Planning Services Limited

Ricanice Investments Limited

Richard Daly t/a NRICH Enterprises

Richard Sirjoo

Richsons Financials Limited

Right Choice Insurance Services Limited

RIIB Financial Services Limited

Risk Protection Insurance Agencies Limited

Riskasyst Insurance and Investment Company Limited

RKS Financial Services Limited

Robard Insurance Services Limited

Ro-Je Management and Investment Services Limited

Rolfe Moyou t/a Moyou Investment and Insurance

Rolf’s Insurance and Financial Advisory Services Limited

Ronald Barlay t/as Ronbaris

Rondel Investment Services Enterprise Limited

Royal Insurance Consultants Limited

Rudy Rampersad t/a Omega Insurance Consultants

327

328

329

330

331

332

333

334

335

336

337

338

339

340

341

342

343

344

345

346

347

348




AGENT

Rupert Clovis Insurance Agency Limited

Russ Financial Services Limited

Russell Bhola Insurance Services Limited

Rybre Services Limited

S & S Insurance & Associated Services Limited

S&R Insurance & Advisory Service Ltd.

S. Deonarine Insurance Services Limited

S. Sookhoo Insurance Services Limited

S.D.R. Nandlal Advisory Services Limited

S.F.D. Insurance & Investments Limited

S.G. Financial Services Limited

S.H. Financial Limited

S.O.S. Agencies Limited

S.S. Services Limited

S.W. Financial Services Ltd.

SAADA Services Limited


Samsaun Financial Services Limited

Satish Maharaj Agency Limited

Saving Security Investment Limited

Security Motor Insurance Agencies Limited

Seepersad Agencies Limited

349

350

351

352

353

354

355

356

357

358

359

360

361

362

363

364

365

366

367

368

369

370

APPENDIX B



AGENT

Selona Gransam

Ser Qualis Company Limited

Serene Insurance Agencies Limited

Shawn Crooks t/a Shawn Crooks Consultancy Services

Sheila Smith t/a Shenkson Insurance Services

Simplicity Financial Services Limited

Sitkam General Insurance Services Limited

SMCF Financial Services Limited

SMH Services Limited

SMW Limited

Spotnic Prudent Marketing & Financial Limited

Stanley Hospedales

Starlet General and Financial Services Limited

Stokely Regis Insurance Services Limited

Strategic Investment Company Limited

Successful Ideas Limited

Sumar Consultants Ltd.

Supreme Concepts & Solutions Limited

Swar-raj Marketing Company Limited

Sydsons Services Limited

Synovations Limited

Tando Limited

371

372

373

374

375

376

377

378

379

380

381

382

383

384

385

386

387

388

389

390

391

392




AGENT

Teague’s Inc. Ltd

TECU Credit Union Co-operative Society Limited

Telly Paul General Insurance Services Limited

The Daniel Dookie Consultancy Group Limited

The New Edition Insurance Services Limited

Thecla Enterprises Limited

Thijs Investments Limited

Thomas Nancoo

Thomas Sosa Wanguemert

Thomas Wood t/a Nitim Insurance Services

Timco Insurance Services Limited

Tobias & Tobias Insurance Services Limited

Tommy Elias Insurance Services Ltd.

Top Notch Financial Services Limited

Total Insurance Services Limited

Total Needs 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

393

394

395

396

397

398

399

400

401

402

403

404

405

406

407

408

409

410

411

412

413

414

APPENDIX B



AGENT

UM Trading Limited

Urban Mathura

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

V & A Services Limited

Varona Usha Polat t/a Kushal Agencies

Vasantie Singh t/a Premier Insurance Services

Vashti Balgaroo

Veda Consultants Limited

Vernon Fingal Financial Services Limited

Victory Insurance Services Limited

Viva Financial Solutions Limited

Vivian Quintin Mohammed t/a Affiliated General Insurance Services

W. Lezama Insurance and Investment Services Limited

Wajeeda Bissoondath

Wallum Insurance Services Limited

Walter H. Stewart Financial Services Limited

Wayne Decle t/a Decle Insurance Services

Wayne Griffith t/a W. Griffith Insurance and Financial Services

Wayne Mohammed t/a Waymo Financial Services

Wayne Rezende t/a W.J.R. Insurance Services

Wealth Management Solutions Limited

415

416

417

418

419

420

421

422

423

424

425

426

427

428

429

430

431

432

433

434

435




AGENT

Wealthy Street Limited

Whedeck Insurance & Financial Services Limited

Whibco Associates Limited

William Gibbs t/a Astute Financial Services

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

Winston Bartolo

X-Press Financial Solutions Limited

X-Setra Limited

Xylia Consulting Services Limited

Yousure Investment Company Limited

Yovraj Investment Limited

Z K Insurance Investments Limited

Zahaida Ali Insurance Services (1991) Limited

Zenobia Baksh

436

437

438

439

440

441

442

443

444

445

446

447

448

449

APPENDIX B


APPENDIX CLIST OF REGISTERED BROKERS

LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT 31ST DECEMBER 2009

BROKER

21st Century Insurance and Reinsurance Brokers Limited

3K’s Services Limited

Ace Insurance Brokers Limited

Agostini Insurance Brokers Limited

Amalgamated Insurance Brokers Limited

AMRIB Services Limited

Anthony David Farah

Anthony Nigel Vere Slinger

AON Energy Caribbean Limited

Bindranath Maharajh

Blaine Hosang

Brian Lewis t/a Legacy Financial

Camacho De Bruin Insurance Brokers Limited

Carl Spicer

Charlett & Gatcliffe Limited

Chateram Dabideen

Christian Low

CIC Insurance Brokers Limited

Comprehensive Insurance Brokers Limited

Craig Millar

Darryl Chung

Dave Patterson

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22


APPENDIX C


BROKER

Derek DeSilva

E.P. Insurance Services Limited

Erickson Ramkhelawan

Errol Sooknanan

Farah Insurance Brokers Limited

Fazal Ali

Fidelity Insurance Brokers Limited

Garvin Anslem Manzano

Global Financial Brokers Limited

Gregory de Montrichard

Hardath General Insurance Consultants Limited

Horizon Insurance Services Limited

Insurance and Allied Services Limited

Insurance Brokers West Indies limited

Insurance Managers Limited

Irma Bishop

Islands Insurance Brokers Limited

Janice Roberts

Joseph Gomes

L. Dereck Soobransingh

Lou-Anna Ferreira-Patterson

M&M Insurance Broking Services Limited

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44


LIST OF REGISTERED BROKERS


BROKER

Maibrol Insurance Brokers Limited

Merchants and General Insurance and Reinsurance Brokers (W.I.) Limited

Michael Redhead t/a Pensurance Brokers

Millar Insurance Brokers Limited

Millenium Insurance Brokers Limited

Nautica Insurance Brokers Limited

Nazreen Deosingh

Neil Gosine

Nizam Mohammed

Norman Gabriel

Norman Gabriel Limited

Omah Seetahal

P.R.F.C. Limited

Palm Insurance Brokers Limited

Pan West Indian Insurance Brokers Limited

Patrick Ferreira

Personalised Insurance Brokers & Re-Insurance Limited

Peter Malcolm George Farah

Pooran Hardath

Prakash Bhaggan

Professional & Employee Benefit Brokers Limited

Ramnarine Maharaj

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66


APPENDIX C


BROKER

Ravi Surjan

Richard Ramdwar

Risk Management Services Limited

Risk Research Limited

Robert Gordon Charlett

Robert Lazzari

Rodney B. D. Farah

Samsoondar Surjan

Samtrin Insurance Brokers Limited

Sandra Chin Yuen Kee

Satchan Ramsaran

SDS Insurance Brokers Limited

Seunarine Hardath

Specialists Insurance Brokers Limited

Stephen Castagne Sterling Insurance Services Limited

Surujdeo Mangaroo

Trinidad & Tobago Insurance Consultants Limited

Trinity Insurance Brokers Limited

Walter De Bruin

Wayne Gosine

Winston Siriram

67

68

69

70

71

72

73

74

75

76

77

78

79

80

81

82

83

84

85

86

87

88


LIST OF ADJUSTERS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT 31ST DECEMBER 2009

APPENDIX DLIST OF REGISTERED ADJUSTERS

1 Accord Adjusting Company Limited

2 Adam Sanguinette

3 Aldith Bernard

4 Armah Adjusting Services Limited

5 Axis (Eastern Caribbean) Limited

6 Bertrand H. Doyle

7 Bertrand Nicholas

8 Cariclaims Investigators & Adjusters Limited

9 Claims Adjusting Bureau Limited

10 Clevon Singh t/a Reliance Adjusters & Investigators Services

11 Danny Leed t/a Lead Insurance Assessors

12 Ezekiel Joseph t/a EZEE Adjusting Services

13 FactFinders Business Investigators Limited

14 Ganesh Rampersad t/a Investigations & Claims Adjusting Services

15 General Adjusters Limited

16 Glen Mohammed

17 Insurance Investigations Services Limited

18 International Business Investigations Services Limited

19 Jacob Jules t/a Jules Investigators & Adjusters Services

20 Jason Greenidge

21 Kerwin Allan Simmons

22 McLarens Young International (T’dad & T’bago) Limited

23 Micad Enterprises Limited

24 Michael Samms


APPENDIX D

LIST OF PENSION PLANS REGISTERED AS AT 31ST DECEMBER 2008SELF-ADMINISTERED PENSION FUND PLANS

25 Oliver Rosemin & Company Limited

26 Orion Adjusters Ltd

27 Peter S. Bowman

28 Pioneer Claims Services Company Limited

29 Raphael’s Investigators, Adjusters & Realtors Ltd

30 Robert Ferreira t/a Robard (Marine Recovery) Services

31 Rudy Rampersad

32 Twin-Isle Adjusters Limited



1. Aegis Business Solutions Limited Pension Plan

2. Agostini Insurance Brokers Limited Pension Fund Plan

3. Agostini’s Limited Retirement Plan

4 Airports Authority of Trinidad and Tobago Pension Fund

5. Ansa Mc Al Limited Pension Fund Plan

6. Associated Brands Limited Group Pension Fund Plan

7. Atlantic LNG Pension Plan

8 Bank of Commerce Trinidad and Tobago Limited Retirement Plan

9. Bawodes Limited Pension Fund Plan

10. Berger Paints Trinidad Limited Pension Plan (Monthly Paid

Employees)

11. BPTT LLC Pension Plan

12. British American Insurance Company (Trinidad) Limited Pension

Fund Plan

13. British Gas Trinidad Limited Pension Plan

14. B.W.I.A. Pilots Pension Fund Plan

15. Caribbean Industrial Research Institute Pension Plan

16. Caribbean Ispat Employees’ Pension Fund Plan

17. Central Bank of Trinidad and Tobago Pension Fund Plan

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

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

Plan

20. Consolidated Insurance Consultants Limited Staff Pension Fund

Plan

APPENDIX ELIST OF PENSION PLANS


APPENDIX E


21. Coopers and Lybrand Pension Fund Plan

22. Courts (Trinidad) Limited Pension Fund Plan

23. Cuna Caribbean Insurance Society Limited Pension Fund Plan

24. Development Finance Limited Pension Plan

25. EOG Resources Trinidad Limited Pension Fund Plan

26. E&Y Services Limited Pension Scheme

27. Ferreira Optical Limited Pension Fund Plan

28. First Citizen Bank Pension Plan

29. Guyana and Trinidad Mutual Fire Insurance Company Limited

Pension Plan

30. Hand Arnold (Trinidad) Limited Employees’ Pension Scheme

31. H.S. Services Limited Pension Fund Plan

32. Hydro Agri Trinidad Limited Salaried Employees Pension Plan

33. Industrial Agencies Limited Pension Fund Plan

34. IBM Retirement Plan

35. Lever Brothers (West Indies) Limited Pension Plan

36. Mandev-Qualassure Pension Fund Plan

37. Mega Insurance Company Limited Pension Plan

38. MTS Pension FundPlan

39. 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


43. 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)

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

54. RBTT Pension Plan

55. Regional Health Authority Pension Plan

56. Republic Bank of Trinidad and Tobago Limited Pension Plan

57. Scotiabank Trinidad and Tobago Limited Pension Fund Plan

58. Servol Limited Pension Fund Plan

59. Telecommunications Services of Trinidad and Tobago Limited

Pension Fund Plan

60. Texaco Trinidad Limited Staff Retirement Plan

LIST OF REGISTERED PENSION PLANS



APPENDIX E

61. The Demerara Life Assurance Company of Trinidad and Tobago

Limited Sales Staff Pension Plan

62. The Home Mortgage Bank Pension Fund Plan

63. The Mercantile Banking and Finance Corporation Limited

Pension Fund Plan

64. Thomas Peake and Company Limited Pension Plan

65. Trinidad Building and Loan Association Pension Fund Plan

66. Trinidad Cement Limited Employees’ Pension Fund Plan

67. Trinidad Hilton Limited Pension Fund Plan

68. Trinidad and Tobago Civil Aviation Authority Pension 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

73. 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

83. 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

3. 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

13. 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

APPENDIX E


INSURED PENSION FUND PLANS (continued)

18. CBP Limited Pension Plan

19. Century Eslon Limited Pension Plan

20. Clark & Battoo Limited Pension Plan

21. Clico Investment Bank Limited Staff Pension Fund Plan

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

23. 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

30. Fujitsu ICL Caribbean Trinidad Limited (formerly International

Computers Limited) Pension Fund Plan

31. Grace Kennedy (Trinidad and Tobago) Limited Pension Fund

Plan

32. Group Pension Plan for the Managerial Employees of American

Life and General Insurance Company (Trinidad) Limited

33. Group Pension Plan for the Non-Managerial Employees of

American Life and General Insurance Company (Trinidad)

Limited




34. Gulf Engineering Services Limited Pension Fund Plan

35. Gulf Insurance Limited Pension Fund Plan

36. Halliburton Trinidad Limited Pension Plan

37. Home Construction Limited Staff Pension Fund Plan

38. Insurance Brokers West Indies Limited Pension Fund Plan

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

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

41. Joseph Charles Bottling Works and Investments Limited Pension

Fund Plan

42. J.T.A. Supermarkets Limited Pension Fund Plan

43. Junior Schools Limited Pension Fund Plan

44. Lake Asphalt of Trinidad and Tobago (1978) Limited (Monthly)

Pension Plan

45. Lake Asphalt of Trinidad and Tobago (1978) Limited Employees

(Weekly) Pension Plan

46. Lange Trinidad Limited Pension Fund Plan

47. Lazzari and Sampson Limited Pension Plan

48. Life of Barbados Limited Pension Plan

49. L. J. Williams Limited Pension Fund Plan

50. Lonsdale/Saatchi & Saatchi Advertising Limited Staff Pension

Plan

51. Mainstream Foods Limited Pension Plan

52. Maritime Life (Caribbean) Limited Pension Fund Plan

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

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

APPENDIX E



55. Medianet Limited Monthly Paid Staff Pension Plan

56. 3M 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

63. 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

73. 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

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

83. 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. Toyota Trinidad and Tobago Staff Pension Plan

88. Trinidad Concrete Products Company Limited Pension Fund

Plan

89. Trinidad Contractors Limited Pension Plan

90. Trinidad Express Newspapers Limited Pension Plan

91. Trinidad Nitrogen Company Limited Staff Pension Fund Plan

APPENDIX E



92. Trinidad Ropeworks Limited Retirement Plan

93. Trinidad Systems Limited Pension Fund Plan

94. Trinidad and Tobago Chamber of Commerce Pension Plan

95. Trinidad and Tobago Mortgage Finance Company Limited

Pension Plan

96. Trinidad and Tobago Solid Waste Management Company

Limited Pension Fund Plan

97. Trinrico Steel & Wire Products Limited Pension Fund Plan

98. United States of America Embassy in Trinidad and Tobago

Pension Fund Plan

99. Waste Disposals Limited Pension Fund Plan

100. Western Scientific Company Pension Plan

101. William H. Scott Limited Pension Fund Plan

102. Youth Training Employment Partnership Programme Pension

Plan



ANNUITIES

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

2. Baroid Trinidad Services Limited Staff Pension Fund Plan

3. 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

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

3. 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

Plan11. Caroni (1967) Limited Pension Plan

APPENDIX E


WINDING UP PENSION FUND PLANS (continued)

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

13. 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

23. Guardian Life of the Caribbean Limited Pension Fund Plan

24. Hydro Agri Trinidad Limited Hourly Paid Employees Pension

Scheme

25. Industrial Development Corporation Pension Plan

26. Inglefield/Ogilvy Mather Pension Fund Plan

27. Insurance Consultants Limited. (Antilles Insurance Limited)

28. International Loss Adjusters Limited Pension Plan

29. International Trust Limited Pension Fund Plan

30. KLM (Trinidad and Tobago) Pension Fund Plan

31. Label House Limited Staff Pension Plan



32. Metal Industries Company Pension Plan

33. National Broadcasting Services of Trinidad and Tobago Pension

Fund Plan

34. Nationwide Staff “A” Pension Plan

35. Nationwide Staff “B” Pension Plan

36. Nationwide Staff “C” Pension Plan

37. Orange Grove National Company Limited Pension Fund Plan

38. Premier Consolidated Oilfields Limited Pension Plan

39. Price WaterhouseCoopers Limited Pension Plan

40. Rediffusion (Trinidad) Limited Pension Plan

41. Reinsurance Company of Trinidad and Tobago Limited Pension

Fund Plan

42. Santana Services Limited Pension Fund Plan

43. Sissons Paints Limited Staff Pension Fund Plan

44. Smith International Inc. Pension Fund Plan

45. Stephen and Ross Limited Pension Fund Plan

46. Super Chem Pension Fund Plan

47. Sherwin Williams (Caribbean) N.V. Pension Plan

48. The National Commercial Bank of Trinidad and Tobago Pension

Plan

49. The Shipping Corporation of Trinidad and Tobago Limited

Pension Fund Plan

50. Tourism and Industrial Development Company of Trinidad and

Tobago Pension Plan


LIST OF REGISTERED PENSION PLANSAPPENDIX E



51. Trinidad Broadcasting Company Limited Pension Fund Plan

52. Trinidad and Tobago Forest Products Limited Staff Pension

Fund Plan

53. Trinidad and Tobago Oil Company Limited Provident Fund

54. Trinidad and Tobago Television Company Limited Pension Fund

Plan

55. Trinidad Shipping Company Limited Pension Fund Plan

56. Trinidad Textile Manufacturing Company Limited Pension Fund

Plan

57. Trinidad and Tobago Export Development Corporation Pension

Fund Plan

58. Trinidad and Tobago Printing and Packaging Company Pension

Fund

59. Van Leer Containers Trinidad Limited Pension Fund Plan

60. Victoria Nursing Home Pension Fund Plan

61. Workers Bank of Trinidad and Tobago Limited Pension Fund

Plan

1. West Indian National Insurance Company Pension Fund Plan

JUDICIAL MANAGEMENT



TABL

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IN R

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IN R

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PEN

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INSU

RAN

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2009

INCO

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11.

12.

13.

14.

15.

16.

1. 2. 1. 2. 3.

COM

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12.

13.

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15.

16.

1. 2. 1. 2.

LOC

AL

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1 2. 3. 4. 5. 6. 7. 8. 9. 10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

1. 2. 1. 2.

COM

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09

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1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

21.

22.

23.

24.

25.

1. 2.

COM

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IES

LOC

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14.

15.

16.

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18.

19.

20.

21.

1.


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BLE

XVII

REVE

NU

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COU

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IN R

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OF

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ENER

AL

INSU

RAN

CE -

2009

1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

21.

1. 2.

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XVII

(1) c

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NU

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COU

NT

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ESPE

CT

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PECU

NIA

RY L

OSS

INSU

RAN

CE -

2009

1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

1. 2.

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LOC

AL

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ARY

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D V

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MER

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TABL

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$$

$


TABL

ESSU

MM

ARY

AN

D V

ALU

ATIO

N O

F TH

E PO

LICI

ES O

F CU

NA

CA

RIBB

EAN

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RAN

CE S

OCI

ETY

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ITED

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CT

OF

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G-T

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reM

ent

grat

uiti

eS

$

tota

L

$

deat

hgr

antS

$

retu

rn o

FCo

ntri

buti

onon

Wit

hdra

WaL

$

othe

r eX

pend

itur

e

$

tota

LeX

pend

itur

e

$

Fund

aten

d oF

peri

od

$$

CON

TRIB

UTI

ON

S BY

SUPE

RAN

NU

ATIO

N B

ENEF

ITS

inte

reSt

Sdi

Vide

ndS

and

rent

1. 2. 3. 4. 5. 6.

31,

412,

357

31,

916,

553 -

23,

470,

887 - -

86,

799,

797

3,6

84,7

95 - - - - -

3,68

4,79

5

1,3

40,7

32 - - - - -

1,34

0,73

2

-

263

,987

-

1,0

07,0

83 - -

1,2

71,0

70

2,5

72,1

82

1,5

87,4

21 -

3,1

37,6

89 - -

7,2

97,2

92

39,

010,

066

33,7

67,9

61 -

27,

615,

659 - -

100,

393,

686

1,7

58,8

49

246

,716

-

740

,778

- - 2,

746,

343

-

152

,505

- - - -

152

,505

1,7

58,8

49

399

,221

-

740

,778

- -

2,8

98,8

48

217

,319

401

,290

- - - -

618

,609

789

,363

299

,218

-

945

,607

- -

2,0

34,1

88

2,7

65,5

31

1,0

99,7

29 -

1,6

86,3

85 - -

5,5

51,6

45

36,

244,

535

32,

668,

232 -

25,

929,

274 - -

94,

842,

041

- - - - -

- - - - -

REPORT ON INSURANCE AND PENSIONS 191REPORT ON INSURANCE AND PENSIONS191

TABL

ESTA

BLE

XXXV

III

NA

ME

OF

PLA

NFu

nd at

the

begi

nnin

goF

peri

od

$

eMpL

oYer

S

$

eMpL

oYee

S

$

addi

tion

aLCo

ntri

buti

onbY

eMpL

oYer

to M

eet d

eFiC

ienC

Y

$

othe

rin

CoM

e

$

tota

Lre

Venu

e

$

penS

ionS

tore

tire

deM

pLoY

eeS

$

reti

reM

ent

grat

uiti

eS

$

tota

L

$

deat

hgr

antS

$

retu

rn o

FCo

ntri

buti

onon

Wit

hdra

WaL

$

othe

r eX

pend

itur

e

$

tota

LeX

pend

itur

e

$

Fund

aten

d oF

peri

od

$$

CON

TRIB

UTI

ON

S BY

SUPE

RAN

NU

ATIO

N B

ENEF

ITS

inte

reSt

Sdi

Vide

ndS

and

rent

36

5,49

6

1,0

29,4

16

5,7

86,3

86

2299

246

466

,806

- -

1,6

69,8

59 - - - -

99,

304 - -

168

,079

533

,312

371

,100

637

,166

- -

84,

221 - - -

377

,434

365

,496

-

2,2

61,0

32

2299

246

466

,806

- -

1,5

51,1

80 - - - -

99,

304 - - -

402

,487

827

,895

637

,166

- -

73,

236 - - -

272,

321

14,

693,

817

14,

005,

428

155

,814

,193

80,

529,

002

17,

847,

283 - -

46,

645,

836

491

,461

3,9

54,5

28 -

5,6

05,1

07

4,0

06,5

27 - -

3,2

59,5

80

12,

656,

255

8,1

37,5

91

25,

995,

719 - -

6,5

99,8

21

48,

920,

399 - -

8,4

75,2

27

801

,268

506

,619

3,6

81,4

22

641

,904

310

,427

- -

1,1

05,9

03

133

,101

48,

204 - -

969

,008

- -

36,

653

299

,632

208

,680

135

,762

- -

18,

911

214

,332

- -

138

,315

- - - - - - - -

3,53

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

1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

21.

22.

23.

24.

25.

26.

1

3,02

3,22

4

11,

425,

060

138

,039

,932

6643

3477

16,

035,

114 - -

38,

166,

222

399

,631

3,7

60,2

67 -

5,2

52,1

62

3,5

73,7

52 - -

2,8

84,3

80

10,

336,

404

5,9

40,8

50

23,

134,

786 - -

5,9

91,0

93

44,

950,

511 - -

7,1

61,5

72

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

939

,601

1,55

0,95

2 -

3490

881

878

,557

- -

5,2

57,5

05

35,

830 - -

352

,945

- - -

207

,121

1,3

84,0

52 -

1,5

86,6

01 - -

451

,271

7,2

98 - -

663

,900

- -

9,7

26,8

43

6006

152 - - -

1,0

70

56,

000

194

,261

- -

234

,167

- - - -

997

,746

- - - -

3,96

2,59

0 - - -

3M In

tera

mer

ica

Inc-

T&T

Div

isio

n Pe

nsio

n Fu

nd P

lan

Alb

rosc

o Li

mite

d St

aff P

ensi

on P

lan

Ang

ostu

ra B

itter

s (D

r. J.G

.B. S

iege

rt &

Son

s)

Lim

ited

Pens

ion

Fund

Pla

n

A

nsa

McA

l Pen

sion

Fun

d Pl

an (f

orm

erly

A

lsto

ns L

imite

d Pe

nsio

n Fu

nd P

lan)

Ant

hony

N. S

abga

Lim

ited

Pens

ion

Fund

Pl

an

Arm

our’s

Fun

eral

Hom

es L

imite

d Pe

nsio

n Fu

nd P

lan

ASA

Wrig

ht N

atur

e Ce

ntre

Pen

sion

Fun

d Pl

an

Barb

ados

Mut

ual L

ife A

ssur

ance

Soc

iety

Em

ploy

ee P

ensi

on P

lan

Bel A

ir In

tern

atio

nal A

irpor

t Hot

el L

imite

d Pe

nsio

n Pl

an

Berg

er P

aint

s Trin

idad

Lim

ited

Pens

ion

Fund

Pl

an fo

r Wee

kly

Paid

Em

ploy

ees

Berm

udez

Bis

cuit

Com

pany

Lim

ited

Pens

ion

Plan

Bris

tol M

yers

(Wes

t Ind

ies)

Lim

ited

Pens

ion

Fund

Pla

n

Briti

sh H

igh

Com

mis

sion

Pen

sion

Pla

n

BWIA

Gen

eral

Sta

ff Pe

nsio

n Fu

nd P

lan

C.M

.B P

acka

ging

Trin

idad

Lim

ited

Pens

ion

Fund

Pla

n

Carib

bean

Bul

k St

orag

e an

d Tr

adin

gCo

mpa

ny L

imite

d Pe

nsio

n Fu

nd P

lan

Carib

bean

Pac

kagi

ng In

dust

ries

Lim

ited

Pens

ion

Fund

Pla

n fo

r Jun

ior S

taff

Empl

oyee

s

CBP

Lim

ited

Pens

ion

Fund

Pla

n

Cent

ury

Eslo

n Li

mite

d Pe

nsio

n Pl

an

Clar

k an

d Ba

too

Ltd

Staff

Pen

sion

Fun

d Pl

an

Clic

o In

vest

men

t Ban

k Li

mite

d St

aff P

ensi

on

Fund

Pla

n

Coat

es B

roth

ers

(Car

ibbe

an) L

imite

d Pe

nsio

n Pl

an

Colo

nial

Fire

and

Gen

eral

Insu

ranc

eCo

mpa

ny L

imite

d Pe

nsio

n Pl

an

Colo

nial

Life

Insu

ranc

e Co

mpa

ny (T

rinid

ad)

Lim

ited

Staff

Pen

sion

Pla

n

Die

go M

artin

Cre

dit U

nion

Coo

pera

tive

So

ciet

y St

aff P

ensi

on F

und

Plan

Envi

rote

c H

oldi

ngs

Lim

ited

Pens

ion

Fund

Pl

an (f

orm

erly

Was

te D

ispo

sals

Lim

ited

Pens

ion

Fund

Pla

n)

801

,268

209

,208

3,6

81,4

22

3860

70

197

,442

- -

963

,831

67,

039

12,

051 - -

242

,252

- -

36,

653

178

,630

159

,531

135

,762

- -

18,

911 - - -

132

,283

-

297

,411

-

2558

34

112

,985

- -

142

,072

66,

062

36,

153 - -

726

,756

- - -

121

,002

49,

149 - - - -

214

,332

- -

6,0

32

49,

225

74,

169

591

,642

2049

69

58,

489 - -

81,

587 - - - - - - - -

131

,695

32,

406

71,

534 - -

29,

447

103

,623

- -

15,

634

151

,456

131

,166

3,1

10,7

64

9275

36

108

,896

- -

540

,182

13,

165

45,

652 - -

278

,819

- -

68,

796

378

,077

79,

663

120

,084

- -

5,7

36

755

,365

- -

91,3

14

1,0

01,9

49

711

,954

7,3

83,8

28

1,7

74,4

09

477

,812

- -

1,7

27,6

72

149

,798

93,

856 - -

1,2

47,8

27 - -

105

,449

809

,404

320

,749

327

,380

- -

54,

094

1,0

73,3

20 - -

245

,263

1

3,69

1,86

8

13,

293,

474

148

,430

,365

78,

754,

593

17,

369,

471 - -

44,

918,

164

341

,663

3,8

60,6

72 -

5,6

05,1

07

2,7

58,7

00 - -

3,1

54,1

31

11,

846,

851

7,8

16,8

42

25,

668,

339 - -

6,5

45,7

27

47,

847,

079 - -

8,2

29,9

64


TABL

ESTA

BLE

XXXV

III c

ontin

ued

NA

ME

OF

PLA

NFu

nd at

the

begi

nnin

goF

peri

od

$

eMpL

oYer

S

$

eMpL

oYee

S

$

addi

tion

aLCo

ntri

buti

onbY

eMpL

oYer

to M

eet d

eFiC

ienC

Y

$

othe

rin

CoM

e

$

tota

Lre

Venu

e

$

penS

ionS

tore

tire

deM

pLoY

eeS

$

reti

reM

ent

grat

uiti

eS

$

tota

L

$

deat

hgr

antS

$

retu

rn o

FCo

ntri

buti

onon

Wit

hdra

WaL

$

othe

r eX

pend

itur

e

$

tota

LeX

pend

itur

e

$

Fund

aten

d oF

peri

od

$$

CON

TRIB

UTI

ON

S BY

SUPE

RAN

NU

ATIO

N B

ENEF

ITS

inte

reSt

Sdi

Vide

ndS

and

rent

-

1,43

3,90

8

855

,666

363

,382

177

,541

- -

317

,036

317

,036

280

,382

-

123

,230

367

,732

-

132

,600

188

,055

314

,662

1,1

24,3

80

418

,011

304

,124

- - -

1,4

56,6

19 -

298

,845

-

739

,644

519

,466

363

,382

177

,541

- -

158

,518

158

,518

280

,382

-

123

,230

367

,732

-

137

,559

188

,055

314

,662

278

,544

194

,425

304

,124

- - -

1,4

56,6

19 -

298

,845

-

13,9

59,5

59

14,

560,

450

11,

910,

647

2,2

19,3

54 - -

4,8

52,5

66

4,8

52,5

66

10,

297,

887 -

14,

198,

226

14,

871,

010

3,9

34,2

20

4,2

53,7

62

13,

841,

999

14,

023,

642

28,

574,

670

13,

804,

064

11,

529,

649

4,2

88,1

66

14,

331,

163 -

50,

661,

172

7,9

70,6

01

12,

042,

048

-

186

,997

49,

872 - - - - - -

62,

204 -

1,1

07,0

39

255

,422

14,

255

77,

620

666

,967

1,0

81,7

81

808

,705

532

,169

540

,063

-

628

,066

-

693

,698

-

625

,755

- -

909

,300

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

954

,710

-

66,

457 - - -

53,

379 - -

27.

28.

29.

30.

31.

32.

33.

34.

35.

36.

37.

38.

39.

40.

41.

42.

43.

44.

45.

46.

47.

48.

49.

50.

51.

52.

-

10,

858,

440

13,

215,

569

10,

370,

310

1,7

29,2

84 - -

4,0

68,8

68

4,0

68,8

68

8,8

90,4

78 -

13,

167,

496

13,

167,

862

3,4

02,1

66

3,6

41,2

47

12,

536,

810

12,

430,

746

25,

817,

982

11,

640,

546

10,

171,

198

4,0

27,2

69

12,

682,

934 -

45,

586,

887

7,4

15,0

90

10,

236,

455

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

-

927

,567

-

813

,573

134

,988

- -

308

,144

308

,144

846

,645

-

784

,270

967

,684

457

,736

342

,356

929

,079

963

,572

1,3

53,7

64

1,5

51,0

82

750

,203

260

,897

1,6

48,2

29 -

2,1

61,0

47

555

,511

1,2

07,9

03

- -

(30,

251) - - - - - - - - - -

74,

319 - - - - - - - - - - - -

Eric

Sol

is M

arke

ting

Lim

ited

Staff

Pen

sion

Pl

an

F.T. F

arfa

n an

d So

ns L

imite

d Pe

nsio

n Fu

nd P

lan

Fujit

su IC

L Ca

ribbe

an (T

rinid

ad) L

imite

d Pe

nsio

n Fu

nd P

lan

Furn

ess T

rinid

ad L

imite

d Pe

nsio

n Fu

nd P

lan

Gra

ce K

enne

dy T

rinid

ad a

nd To

bago

Ltd

Pe

nsio

n Fu

nd P

lan

Gro

up P

ensi

on P

lan

for t

he M

anag

eria

l Em

ploy

ees

of A

mer

ican

Life

and

Gen

eral

In

sura

nce

Com

pany

(Trin

idad

and

Toba

go)

Lim

ited

Gro

up P

ensi

on P

lan

for t

he N

on-M

anag

eria

l Em

ploy

ees

of A

mer

ican

Life

and

Gen

eral

In

sura

nce

Com

pany

(Trin

idad

and

Toba

go)

Lim

ited

Gul

f Eng

inee

ring

Serv

ices

Lim

ited

Pens

ion

Fund

Pla

n

Gul

f Ins

uran

ce L

imite

d Pe

nsio

n Fu

nd P

lan

Hal

libur

ton

Trin

idad

Lim

ited

Pens

ion

Plan

Hom

e Co

nstr

uctio

n Li

mite

d St

aff P

ensi

on

Fund

Pla

n

J.N. H

arrim

an a

nd C

ompa

ny L

imite

d Pe

nsio

n Pl

an

J.T.A

Sup

erm

arke

ts L

imite

d Pe

nsio

n Fu

nd

Plan

Jose

ph C

harle

s Bo

ttlin

g W

orks

and

Inve

stm

ents

Lim

ited

Pens

ion

Fund

Pla

n

Juni

or S

choo

ls L

imite

d St

aff P

ensi

on P

lan

L.J.

Will

iam

s Pe

nsio

n Fu

nd P

lan

Lake

Asp

halt

of T

rinid

ad a

nd To

bago

(197

8)

Lim

ited

(Mon

thly

) Pen

sion

Pla

n - S

taff

Lake

Asp

halt

of T

rinid

ad a

nd To

bago

(197

8)

Lim

ited

(Wee

kly)

Pen

sion

Pla

n - E

mpl

oyee

s Pe

nsio

n Pl

an

Lang

e Tr

inid

ad L

imite

d Pe

nsio

n Fu

nd P

lan

Laza

rri a

nd S

amps

on L

imite

d Pe

nsio

n Fu

nd P

lan

Life

of B

arba

dos

Pens

ion

Plan

Lons

dale

/Saa

tchi

and

Saa

tchi

Adv

ertis

ing

limite

d St

aff P

ensi

on F

und

Plan

Mai

nstr

eam

Foo

ds L

imite

d Pe

nsio

n Pl

an

Mar

itim

e Li

fe (T

rinid

ad) L

imite

d Pe

nsio

n Fu

nd P

lan

Mas

ter M

ix o

f Trin

idad

and

Toba

go L

imite

d Pe

nsio

n Fu

nd P

lan

Mc

Cann

Eric

kson

(Trin

idad

) Lim

ited

Pens

ion

Fund

Pla

n

-

97,

275

49,

872 - - - - - -

62,

204 - -

255

,422

14,

255

77,

620

666

,967

-

808

,705

468

,197

101

,159

-

391

,100

- - -

190

,359

-

89,

722 - - - - - - - - -

1,1

07,0

39 - - - -

1,0

81,7

81 -

63,

972

438

,904

-

236

,966

-

693

,698

-

435

,396

-

196

,513

61,

085

115

,902

56,

945 - -

32,

499

32,

499

11,

543 -

18,

121

54,

384 - -

20,

968

51,

374

79,

664

3,2

42

66,

833 -

183

,994

-

157

,801

-

164

,856

-

294

,829

747

,028

789

,196

22,

153 - -

34,

874

34,

874

195

,722

-

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675,

198

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126,

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103,

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364,

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478,

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371 - - - -

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379 - -

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596 - -

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425,

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24,

198,

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349,

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942,

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977,

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TABL

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805 - -

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265

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712,

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256

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997,

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385 - -

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513,

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652 - - -

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127,

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354,

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21,95

0,187

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4,536

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2,602

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1,694

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3,860

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9,733

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5,619

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0,473

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8,898

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1,046

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8,869

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7,926

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6,177

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4,559

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1,894

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9,502

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5

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2,363

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ian

Lim

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Pens

ion

Fund

Pla

n

John

son

and

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son

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lan

Leve

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Pl

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St

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n

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nce

Com

pany

Lim

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Pens

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Plan

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nt L

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Ltd

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Pl

an (f

orm

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Car

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pat

Empl

oyee

s Pe

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n Fu

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lan)

Nat

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l Gas

Com

pany

of T

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and

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go

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l Ins

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Fu

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lan

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l Ins

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Pen

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und

Plan

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Tra

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g &

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lan

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f Gov

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rate

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nd

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rate

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d Pl

an

-

163,3

73 -

143,9

72

1,67

3,664

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9,62

2,518

4,524

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419,2

48

956,0

51

20,66

2,426

18

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30

1,51

8,323

- - - 41

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46 - -

281,5

30

- - -

236,5

48 - - - -

2,26

7,348

-

568,5

17 - -

10,59

7,525

- - - -

11,54

5,836

- - -

-

7,34

1 - -

54,30

3

126,6

02 -

5,88

0

109,2

79

167,3

83 -

129,9

87

684,5

16

426,5

64

112,2

22

21,40

0 - - - 3,6

06,67

5

63,30

8

45,54

3 -

-

66,07

2 - -

488,7

31

1,139

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52,91

6

983,5

12

1,50

6,445

-

1,169

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6,16

0,643

3,83

9,073

1,00

9,994

192,6

01 - - -

32,46

0,071

569,7

73

409,8

83 -

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

-

60,98

6 -

1,63

1,553

2,85

2,621

37,49

0,825

3,07

2,543

400,7

54

8,58

7,860

31,88

8,350

-

2,76

4,472

1,75

1,583

28

,970,8

19

33,80

0,301

- -

67,37

9

1,45

8,476

1830

4015

2

1,63

4,897

251,5

23

2,00

0,709

-

66,98

1 - - -

28,04

7,271

12

,610,9

13

24,38

1

901,1

40

5,08

8,384

3,27

9,915

-

17,07

7,511

7,85

1,709

-

1,784

,217 - - - -

3,360

,852

1,07

2,333

-

-

581,9

59 -

2,996

,308

6,28

9,529

69,02

4,263

15,68

3,456

653,4

74

11,45

1,067

46,01

5,810

3,35

1,015

5,34

4,972

36,43

6,982

48,31

9,416

42,29

7,305

3,03

1,348

-

216,3

29

1,555

,840

260,9

91,85

3

7,68

8,622

3,58

7,739

2,28

5,739

3,61

1,136

6,98

2,253

-

16,89

3,405

64,03

9,160

309,2

61,90

0

49,30

5,054

8,24

6,740

55,04

5,594

237,5

74,87

0

80,68

8,948

32,80

0,651

651,5

98,34

8

350,4

27,46

8

685,0

64,23

1

51,79

6,756

26,90

8,110

2,77

1,391

25,38

3,012

1,0

66,11

9,332

94,05

3,882

32,89

3,996

33,08

6,440

-

264,3

75 -

981,2

76

1,662

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2,607

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194,9

15

1,087

,283

5,903

,267

79,00

0

585,7

50

12,64

3,580

5,981

,228

8,318

,900

1,171

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165,5

00

108,1

82

4223

1056

2,359

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2,060

,000

316,7

00

-

166,6

47 -

535,1

18

1,613

,753 - - -

2,466

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981,6

00

75,58

1

2,527

,455 - - - - -

8315

200 - - -

-

73,41

3 - -

543,0

34

1,266

,019 -

58,79

5

1,092

,791

1,673

,828 -

1,299

,872

6,845

,159

4,265

,637

1,122

,216

214,0

01 - - -

3606

6745

633,0

81

455,4

25 -

-

91.67 -

82.26

90.18

77.68

68.19

92.08 -

80.63

95.85

83.70

94.41

86.21

93.83

94.15

100.0

0

92.19

93.87

75.52

91.83

89.09

93.09

-

11.12 -

15.45

27.92

18.46 4.8

6

14.25 -

19.87

20.76

26.42

22.36

14.78

25.17

27.75 0.0

0

8.43

19.13

23.40

11.58 8.7

3

15.12

3,61

1,136

6,400

,294 -

13,89

7,097

57,74

9,631

240,2

37,63

7 33

,621,5

98

7,59

3,266

43,59

4,527

191,5

59,06

0

77,33

7,933

27,45

5,679

615,1

61,36

6

302,1

08,05

2

642,7

66,92

6

48,76

5,408

26,90

8,110

2,55

5,062

23,82

7,172

805,1

27,47

9

86,36

5,260

29,30

6,257

30,80

0,701

-

237,9

38 -

883,1

48

1,495

,800

2,34

6,750

-

175,4

24

978,5

55

5,31

2,940

71,10

0

527,1

75

11,37

9,222

5,38

3,105

7,48

7,010

1,05

4,530

-

148,9

50

97,36

4 38

,007,9

50

2,12

3,100

1,85

4,000

285,0

30

-

149,9

82 -

481,6

06

1,45

2,378

- - - -

2,21

9,691

-

883,4

40

68,02

3

2,274

,710 - - - - -

7,483

,680 - - -


TABL

ESTA

BLE

XXXI

X co

ntin

ued

NA

ME

OF

PLA

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ndto

bago

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ent

SeCu

riti

eSde

note

d in

$$

$$

$$

$$

$$

$$

$$

$$

$$

$$

$$

$$

%%

Corp

orat

eSe

Curi

tieS

Mor

tgag

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teFiX

ed /

CaLL

depo

Sit

othe

rtr

inid

ad

and

toba

goaS

SetS

trin

idad

and

toba

goSe

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tieS

deno

ted

inFo

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CY

trin

idad

and

toba

gogo

Vern

Men

tSe

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tieS

deno

ted

inFo

reig

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CY

10%

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10%

Cari

CoM

goVe

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10%

Cari

CoM

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r

tota

LLo

CaL

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90%

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90%

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goVe

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r

Fore

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goVe

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tieS

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Fore

ign

equi

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taL

Fore

ign

aSSe

tS

tota

LaS

SetS

in Fu

nd

100%

Cari

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equi

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100%

Cari

CoM

goVe

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100%

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r

tota

LLo

CaL

aSSe

tra

tio

LoCa

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rati

o

trin

idad

an

dto

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equi

tieS

80,20

1,624

6,380

,279

6,51

3,509

27,51

0,110

84,45

1,652

143,0

49,73

4

650,6

53,68

1

213,4

73,20

9 -

15,61

0,908

210,2

21

193,6

46,70

8

16,93

3,287

-

8,87

6,660

45,17

9,550

7,32

9,212

10,55

7,870

59,17

4,517

-

104,5

81,67

8

33,25

1,133

83,20

1,598

1,64

9,606

- - -

184,6

78

1,04

1,093

16,82

3,520

23,05

5,960

- - -

2,38

6,181

- - - - - -

95,85

0,491

-

4,770

,315

130,1

99 -

24,52

0,159

2,57

1,824

2,90

8,862

12,51

0,639

30,86

6,291

18,96

2,459

851,8

02,03

2

102,3

73,29

1 -

5,703

,472

65,69

8

907,0

16,22

7

3,85

5,069

-

236,1

66

7,28

6,267

1,74

5,026

9,57

0,824

110,3

64,10

5

1,82

5,969

10,33

8,117

11,74

4,801

24,46

0,267

416,2

50 -

99,12

5

184,4

39

449,0

89

985,3

18

4,406

,560

281,4

40 -

144,6

00

2,42

8

1,019

,192

77,80

2 -

31,54

9 -

33,80

8

128,0

64

12,91

7,976

-

608,1

00

29,37

5

545,3

06

218,7

18

10,18

7

75,87

4 - - -

74,29

3

778,9

25 -

427,3

22

2,25

8

780,4

22 - - - - -

324,8

54 - -

849,3

17 -

94,31

5

1,03

4,611

27,49

7

19,57

7 -

48,99

7

440,3

32

2,19

6,053

894,5

66 - -

1,12

5

1,068

,689

45,54

3 - - -

22,77

1

284,4

72 - -

690,3

78 -

242,0

80

51.

52.

53.

54.

55.

56.

57.

58.

59.

60.

61.

62.

63.

64.

65.

66.

67.

68 69.

70.

71.

72.

73.

138,4

11,17

4

5,41

1,266

15,70

6,045

18,07

0,856

11

2,339

,230

165,0

29,99

8

311,4

53,09

1 - - -

37,31

7

92,19

7,194

10,10

1,930

-

39,79

6

21,42

3,852

6,06

7,003

12,98

8,972

289,8

78,14

2 -

167,5

79,04

1

61,10

3,426

24,29

2,308

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

73,96

2,462

5,715

,841

6,71

2,321

9,33

1,641

26,96

5,350

36,50

3,294

541,3

90,00

8

108,1

44,14

9 -

18,50

0,125

174,8

32

128,6

96,27

1

10,05

6,855

-

998,7

75

53,32

2,804

6,17

2,159

6,78

5,813

1,141

,458,5

36 -

150,7

63,48

4

423,3

00

45,12

7,426

11,13

8,000

11,00

0

1,30

0,000

- 6,3

15,00

0

28,38

4,533

- - -

3,000

,000

8,12

9

25,71

9,494

4,67

5,985

-

659,2

22 -

2,59

4,709

-

1,786

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96

6,75

5,241

-

65,75

8,220

14,05

6,091

PCS

Nitr

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Trin

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Lim

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Pens

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Fund

Pla

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( for

mer

ly A

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Trin

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com

mun

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The

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and

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and

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and

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and

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Com

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mite

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an 1

9,696

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1,40

5,886

533,0

73 - -

22,71

2,591

2,21

7,011

2,49

7,205

-

2,364

,697

6,65

0

26,28

4,372

- - -

3,44

6,795

39,71

4 - - -

44,06

3,856

4,41

1,931

3,07

8,255

9,602

,341 -

639,1

40 -

7,21

7,245

-

14,42

6,693

- - - - - - - - -

17,33

4 - - -

9,039

,854 - -

9,311

,499

247,4

73

176,1

92 -

440,9

71

3,96

2,992

19,76

4,473

8,05

1,092

- -

10,12

2

9,61

8,202

409,8

83 - - -

204,9

41

2,560

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6,213

,399 -

2,178

,716

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

48,80

4,983

3,21

6,021

4,93

1,694

614,8

61

1,18

4,663

13,62

3,781

22,28

5,767

-

2,079

,834

31,66

1

8,991

,722

23,39

2 - -

8,60

5,173

428,4

57

4,98

2,497

- -

16,80

4,855

109,4

79

7,673

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- - -

913,5

76 -

5,06

7,258

106,0

89,67

9 - - -

28,18

6 -

1,11

9,161

- -

881,0

52

759,6

95

446,5

41

173,4

93,54

9 - -

4,84

0,826

4,168

,354

63,83

1,190

3,555

,174

6,68

2,875

2,57

3,527

5,09

7,631

19,08

2,776

179,8

05,61

2

39,88

0,144

-

7,22

7,132

112,1

42

44,80

6,449

2,25

2,650

-

283,9

39

9,48

6,225

1,69

7,361

12,06

5,541

289,7

55,33

2 -

36,13

5,005

5,21

4,680

19,77

7,657

413,0

13,49

7

25,05

1,270

40,99

5,825

69,99

6,773

27

3,437

,077

434,7

66,47

8

2,568

,571,6

48

489,4

23,95

8 -

52,40

6,334

614,9

89

1,420

,752,8

96

47,87

5,776

-

11,09

4,558

140,1

45,49

3

25,66

2,518

51,96

9,020

3,772

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19

8,58

1,210

527,2

71,35

0

182,0

37,69

0

213,9

93,60

2

4,162

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991,2

50

1,844

,390

4,490

,888

9,853

,182

44,06

5,604

2,814

,400 -

1,446

,000

24,27

5

10,19

1,924

778,0

16 -

315,4

88 -

338,0

76

1,280

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129,1

79,75

9 -

6,081

,000

293,7

50

5,453

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2,187

,176

101,8

67

758,7

38 - - -

742,9

29

7,789

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4,273

,220

22,58

4

7,804

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3,248

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8,493

,167 -

943,1

48

10,34

6,110

274,9

70

195,7

69 -

489,9

68

4,403

,324

21,96

0,525

8,945

,658 - -

11,24

7

10,68

6,891

455,4

25 - - -

227,7

12

2,844

,716 - -

6,903

,777 -

2,420

,796

84.55

85.81

83.70

96.32

98.14

95.61

93.00

91.85 -

86.21

81.77

96.85

95.29 -

97.44

93.23

93.39

76.78

92.32

100.0

0

93.15

97.14

90.76

17.91

22.82

16.37

13.33 9.8

6

8.40

21.08

22.10 -

35.30

28.43 9.0

6

21.01 -

9.00

38.05

24.05

13.06

30.26 0.0

0

28.59 0.2

3

21.09

349,1

82,30

7

21,49

6,096

34,31

2,950

67,42

3,246

26

8,339

,446

415,6

83,70

2 2,3

88,76

6,036

449,5

43,81

4 -

45,17

9,202

502,8

47

1,375

,946,4

47

45,62

3,126

-

10,81

0,619

130,6

59,26

8

23,96

5,157

39,90

3,479

3,4

83,00

9,287

8,58

1,210

491,1

36,34

5

176,8

23,01

0

194,2

15,94

5

3,746

,250 -

892,1

25

1,65

9,951

4,04

1,799

8,86

7,864

39,65

9,044

2,53

2,960

-

1,301

,400

21,84

8

9,17

2,732

700,2

14 -

283,9

39 -

304,2

68

1,152

,575

116,2

61,78

3 -

5,47

2,900

264,3

75

4,90

7,756

1,968

,458

91,68

0

682,8

64 - - -

668,6

36

7,010

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3,84

5,898

20,32

6

7,02

3,794

- - - - -

2,92

3,683

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7,64

3,850

-

848,8

33

TABL

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XXXI

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NA

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PLA

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$$

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Corp

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Curi

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trin

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and

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85,02

1,833

212,4

43,35

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218,0

16,66

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457,6

95,41

9

238,9

47,82

7

298,5

88,95

0

243,4

52,13

9

470,9

97,98

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1,05

5,417

184,3

95,32

9

31,29

0,695

21,06

6,632

108,6

60,93

6

43,04

8,442

11,98

6,986

11,95

3,171

166,1

45,53

0

21,55

2,620

2,06

4,031

6,5

91,39

2,561

3,31

0,637

8,11

2,483

6,18

3,616

23,48

0,982

9,20

3,595

1,59

5,737

6,583

,515

3,76

3,151

- -

12,40

5,357

- -

5,78

4,363

56,47

0

285,0

93 - -

4,58

2,322

247,6

12

249,9

82,46

3

36,08

2,199

19,71

4,688

36,14

8,379

281,0

97,69

2

571,6

19,25

0

81,12

3,201

80,37

4,987

188,6

64,51

1

79,97

2,137

641,5

57

115,8

33,84

0

14,83

0,723

2,490

,148

41,64

2,593

5,13

3,495

4,40

5,472

2,59

6,322

11,33

6,833

10,42

6,786

460,0

66

4,478

,401,5

83

777,1

39

469,9

00

2,21

4,809

1,70

2,981

1,23

9,000

802,3

01

1,11

5,725

6,40

7,620

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1,085

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29,37

5

89,04

7

1,121

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62,09

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103,5

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59,79

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179,7

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288,4

61

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1,15

9,903

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951,0

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4

1,849

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2,88

5,485

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80,61

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1,048

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198,9

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746,8

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31

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2,342

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1,086

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1,520

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845,0

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3,28

8,382

5,39

3,417

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932,4

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12,23

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544,8

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48,94

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25,30

5,449

189,6

43,85

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296,7

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1

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59,58

2

611,1

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6

154,9

02,11

2

380,2

41,26

0

455,5

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2,43

6,642

115,5

60,75

0

14,71

0,938

12,39

9,541

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86,61

9

14,32

4,356

20,68

2,558

7,81

1,441

142,5

14,78

8

37,91

3,811

6,00

9,750

5,6

44,90

2,471

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

63,00

8,220

218,6

53,33

6

202,5

49,44

1

481,6

39,52

4

445,4

04,11

4

224,1

45,62

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34,58

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11,35

9,809

192,6

24,40

8

6,81

4,964

17,70

2,865

89,07

4,591

33,23

7,798

16,87

2,528

4,21

9,664

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26,63

0

23,69

6,989

1,52

2,955

6,63

4,984

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15,55

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51,21

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31,98

7,115

29,28

3,334

30,22

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114,9

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506,6

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7,741

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839,8

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9,93

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6,833

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Trin

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9,03

8,826

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5,392

42,21

5,149

133,3

77,45

2

5,53

0,133

13,80

0,880

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3,19

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8,090

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21,07

8,044

9,77

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13,68

7,694

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5,719

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5,439

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-

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23,51

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84,64

3,192

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6,041

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273,9

41,00

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4,788

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0,808

7,20

7,357

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5,94

4,275

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7,385

1,75

0,307

34,95

5,616

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1,59

1,586

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9,068

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6,403

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6

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3,235

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3,053

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23,42

0,049

10,86

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8,549 -

8,450

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32,88

3,821

53,93

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83.73

93.55

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92.21

98.65

88.32

83.28

94.20

78.07

94.24

93.70

81.16

86.94

89.80

26.56

25.80

19.71

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23.65

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92009