REPORT ON INSURANCE AND PENSIONS �
TABLE OF CONTENTS
1. REPORTOFTHECENTRALBANKOFTRINIDAD 1.01 - 1.05 ANDTOBAGOFORTHEYEARENDEDDECEMBER31,2005.
2. OVERVIEWOFTHEINSURANCEINDUSTRY 2.01 - 2.06
FIGURES 1. Gross Premium Distribution 2. Policies in Force - Long Term Insurance Business �. New Policies written - Long Term Insurance Business 4. Total Statutory Fund Investment Securities
PART I INSURANCE COMPANIES
3. LONGTERMBUSINESS �.01 - �.19 Existing Business New Business Written Policies Discontinued or Redeemed Policy Loans Statutory Funds Local Asset Ratio Revenue Account Distribution of Premium Income Reinsurance Valuation Reports
FIGURES 5. Long Term Insurance Business - New Business Written 6. Long Term Insurance Business - Policies Discontinued/Redeemed 7. Long Term Insurance Business - Premium Income Distribution 8. Long Term Insurance Business - Net Premium Income 4. GENERALINSURANCEBUSINESS 4.01 - 4.2� Existing Business Statutory Deposits General Insurance - Motor Statutory Funds Change in Premium Income - Motor Underwriting Results Reinsurance General Insurance - Other Than Long-term or Motor Existing Business Change in Premium Income Underwriting Results Reinsurance General Insurance - Solvency Test
ParagraphReference
REPORT ON INSURANCE AND PENSIONS4
TABLE OF CONTENTS CONTINUED
ParagraphReference
FIGURES 9. Motor Insurance Business - Net Premium Income 10. Other Insurance Business - Net Premium Income
5. ASSOCIATIONOFUNDERWRITERS 5.01 - 5.0� Registration Intermediaries Volume of Business
PART IIINSURANCE INTERMEDIARIES
6. INSURANCEINTERMEDIARIES Registration 6.01 - 6.04 Examinations Revenue
PART IIIPENSION FUND PLANS
7. PENSIONFUNDPLANS Registration 7.01 - 7.17 Amendments Revenue Annual Accounts Balance Sheets Results and Recommendations of Actuarial Valuations FIGURES 11. Pension Fund Plans - Contributions 12. Pension Fund Plans - Assets of Self Administered Plans
APPENDICES
APPENDIX A APPENDIX B
APPENDIX C
APPENDIX D
APPENDIX E
- Summary of Balance Sheets of Insurance Companies - List of Agents Registered under the Insurance Act, Chap. 84:01 as at December �1, 2005 and their Anniversary Dates.- List of Brokers Registered under the Insurance Act, Chap. 84:01 as at December �1, 2005 and their Anniversary Dates.- List of Adjusters Registered under the Insurance Act, Chap. 84:01 as at December �1, 2005 and their Anniversary Dates.- List of Pension Plans Registered as at December �1, 2005.
REPORT ON INSURANCE AND PENSIONS 5
TABLE OF CONTENTSCONTINUED
LISTOFTABLES
TABLE 1 Revenue Account in respect of Long-term Insurance.
TABLE II Revenue Account in respect of Ordinary Life, Pension and Annuity Insurance.
TABLE III Revenue Account in respect of Industrial Life Insurance.
TABLE IV Revenue Account in respect of Non-Cancellable, Sickness and Accident Insurance.
TABLE V Revenue Account in respect of Group Life Insurance.
TABLE VI Revenue Account in respect of Group Pension Insurance.
TABLE VII Revenue Account in respect of Deposit Administration Contracts/Unit Linked Funds.
TABLE VIII Long-term Insurance Business - Insurance Discontinued or Redeemed during 2005
TABLE IX Insurance in Force.
TABLE X Long Term Insurance - Annuity Business.
TABLE XI Statement of Statutory Fund 2005 - Liabilities to Policyholders (Long-term Business).
TABLE XIA Statement of Statutory Fund 2005 - Securities held in Trust (Long-term Business).
TABLE XII Revenue Account in respect of Motor Insurance - 2005.
TABLE XIII Statement of Statutory Fund - Liability of Policyholders and Assets held in Trust - Motor Insurance.
TABLE XIV Underwriting results in respect of Motor Business.
TABLE XV Revenue Account in respect of Other than Long-term or Motor.
TABLE XVI Revenue Account in respect of Property Insurance
TABLE XVII Revenue Account in respect of Miscellaneous General Insurance.
TABLE XVIII Revenue Account in respect of Liability Insurance.
TABLE XIX Revenue Account in respect of Personal Accident Insurance.
TABLE XIXA Revenue Account in respect of Group Health Insurance.
TABLE XX Revenue Account in respect of Marine, Aviation and Transport.
TABLE XXI Underwriting results in respect of Property Insurance.
TABLE XXII Summary and Valuation of the Policies of American Life and General Insurance Company (Trinidad and Tobago) Limited in respect of Long- Term Insurance Business as at December �1, 2005.
TABLE XXIII Summary and Valuation of the Policies of Bancassurance Caribbean Limited as at December �1, 2005.
TABLE XXIV Summary and Valuation of the Policies of British American Insurance Company (Trinidad) Limited as at December �1, 2005.
REPORT ON INSURANCE AND PENSIONS6
TABLE OF CONTENTSCONTINUED
LISTOFTABLES(continued)
TABLE XXV Summary and Valuation of the Policies of Colonial Life Insurance Company Limited
as at December �1, 2005.
TABLE XXVI Summary and Valuation of the Policies of CUNA Caribbean Insurance Society
Limited as at December �1, 2005.
TABLE XXVII Summary and Valuation of the Policies of Guardian Life of the Caribbean as at December �1, 2005.
TABLE XXVIII Summary and Valuation of the Policies of Sagicor Life Incorporated Nationwide Insurance Company Limited as at December �1, 2005.
TABLE XXIX Summary and Valuation of the Policies of as at Scotia Life of Trinidad and Tobago Limited October �1, 2005.
TABLE XXX Summary and Valuation of the Policies of Tatil Life Assurance Limited as at December �1, 2005.
TABLE XXXI Summary and Valuation of the Policies of The Demerara Life Assurance Company of Trinidad and Tobago Limited as at December �1, 2005.
TABLE XXXII Annuity Pension Fund Plans - Revenue Account 2005.
TABLE XXXIII Deposit Administration Pension Fund Plans – Revenue Account 2005.
TABLE XXXIV Self Administered - Balance Sheet 2005.
TABLE XXXV Self Administered Pension Fund Plans - Revenue Accounts 2005.
REPORT ON INSURANCE AND PENSIONS 7
FOR THE YEAR ENDED �1ST DECEMBER, 2005REPORT ON INSURANCE AND PENSIONS
The Honourable Prime Minister of the Republic of Trinidad and Tobagoand Minister of FinanceMinistry of FinanceEric Williams Finance BuildingEric Williams PlazaIndependence SquarePORT OF SPAIN
Dear Sir
1.01 I have the honour to submit to you for presentation to Parliament the Thirty-eighth Annual Report on the administration of the Insurance Act being presented by the Central Bank of Trinidad and Tobago
1.02 This Report is submitted under the Insurance Act, Chap 84:01 and is for the period ended �1st December, 2005.
1.0� The Act requires that Returns on the financial performance of companies be submitted within six (6) months of the financial year of each company.
1.04 This report is prepared in three parts
PartI INSURANCE COMPANIES A - LONG-TERM INSURANCE B - GENERAL INSURANCE
PARTII INSURANCE INTERMEDIARIES
PARTIII PENSION FUND PLANS
1.05 A summary of the Balance Sheets of insurance companies is also provided at Appendix A.
Respectfully submitted
EWART WILLIAMSGOVERNORCENTRAL BANK OF TRINIDAD AND TOBAGO
REPORT ON INSURANCE AND PENSIONS8
2. OVERVIEWOFTHEINSURANCEINDUSTRY
2.01 In 2005, Gross Premium Income in the industry totaled $5,818.7 million which represents 6.1% of the Gross Domestic Product at current prices (2004 - 8%). This is a decrease of �.9% over the gross premiums of $6,055.� million reported for 2004.
2.02 Gross Premiums Income for the year increased in respect of Motor Vehicle, Property and the group of classes classified as ‘Other than Motor, Property and Long-term Business’. There however was a decline in gross premiums in respect of Long Term Business.
Details are as follows:
OVERVIEW OF THE INSURANCE INDUSTRY
GROSS PREMIUM INCOME
4,097.2588.1520.261�.2
5,818.7
2005$M
4,667.8495.6
501�90.9
6,055.3
2004$M
(12.2)18.7
�.856.9
(3.9)
%Inc/(Dec)
Long Term (Life)Motor VehicleProperty (Fire and Allied Perils)Other
(See Figure 1)
LONG-TERM BUSINESS
2.0� Policies in force at the end of 2005 were reported as 505,750, an increase of 5.7% over the 2004 reported figure of 478,267.
(See Figure 2)
The total number of new policies sold during 2005 was 6�,168, a decrease of 0.68% over the previous year.
(See Figure 3)
Policy lapses decreased by 40.5% in 2005 compared to a 12.5% increase during 2004. Surrenders decreased by 5.0% in 2005 compared to a 14.�% increase during 2004.
Statutory Funds in which investments are pledged to support policyholder liabilities totaled $17.2 billion (2004 – $16.9 billion).
(See Figure 4)
REPORT ON INSURANCE AND PENSIONS 9
GENERAL INSURANCE BUSINESS
2.04 Gross Premiums increased in respect of Motor Business, Property and the group of classes classified as ‘Other than Motor, Property and Long-term Business’. Net Premiums increased in respect of Motor Business, and the group of classes classified as ‘Other than Motor, Property and Long-term Business’ and decreased in respect of Property business.
INSURANCE INTERMEDIARIES
2.05 The number of intermediaries registered at the end of 2005 was 2,140 (2004 - 1,9�2).
The information is summarized as follows: -
PENSION FUND PLANS
2.06 The number of pension fund plans registered at the end of 2005 was 256 (2004 - 256).
The information is summarized as follows: -
1,617414
8524
2,140
2005
1,471�64
7522
1,932
2004
9.91�.71�.�
9.110.7
%Inc/(Dec)
SalesmenAgentsBrokersAdjusters
91
109
55
1
256
2005
90
111
54
1
256
2004
1
(2)
1
-
-
%Inc/(Dec)
Self Administered Pension Fund Plans
Insured Pension Fund Plans
Pension Fund PlansTo be Wound-up
Judicial Management
OVERVIEW OF THE INSURANCE INDUSTRY
REPORT ON INSURANCE AND PENSIONS10
FIGURE 1GROSSPREMIUMDISTRIBUTION
OVERVIEW OF THE INSURANCE INDUSTRY
2005 2004
$M $M
LONG TERM 4,097.2 4,667.8
MOTOR 588.1 495.6
PROPERTY 520.2 501.0
OTHER 61�.2 �90.9
5,818.7 6,055.3
REPORT ON INSURANCE AND PENSIONS 11
FIGURE 2POLICIESINFORCE
LONG-TERMINSURANCEBUSINESS
OVERVIEW OF THE INSURANCE INDUSTRY
REPORT ON INSURANCE AND PENSIONS12
FIGURE �NEWPOLICIESWRITTEN
LONG-TERMINSURANCEBUSINESS
OVERVIEW OF THE INSURANCE INDUSTRY
REPORT ON INSURANCE AND PENSIONS 1�
FIGURE 4TOTALLONG-TERMSTATUTORYFUNDINVESTMENTSECURITIES
2005 2004
$M $M
T&T GOV’T SEC 1,64� 1,502
MORTGAGES 686 649
REAL ESTATE 898 66�
T&T EQUITIES 6,582 6,4�4
OTHER 7,404 7,645
17,213 16,893
OVERVIEW OF THE INSURANCE INDUSTRY
REPORT ON INSURANCE AND PENSIONS14
�. LONG-TERM INSURANCE BUSINESS
�.01 There were twenty-four (24) companies registered to transact long-term business in Trinidad and Tobago at the end of 2005. Thirteen (1�) companies wrote new business during the year 2005.
�.02 The types of new business transacted by registered companies were as follows:
COMPANIES
*
*
*
NOT
NOT
*
*
-
*
*
*
1. American Life and General
Insurance Company (Trinidad and Tobago) Limited
2. Bancassurance Caribbean Limited #
�. British-American Insurance Company (Trinidad) Limited
4. Caribbean Atlantic Life Insurance Company (Trinidad and Tobago) Limited +
5. Caribbean Insurance Company Limited
6. Colonial Life Insurance Company (Trinidad) Limited
7 Cuna Caribbean Insurance Society Limited
8. Guardian General Insurance Limited Φ
9. Guardian Life of the Caribbean Limited
10. Maritime Life (Caribbean) Limited
11. Mega Insurance Company Limited~
-
-
*
WRITING
WRITING
-
-
-
-
-
-
*
*
-
NEW
NEW
*
*
*
*
*
-
*
-
-
BUSINESS
BUSINESS
*
-
-
*
*
-
*
*
*
*
*
-
*
*
*
ORDINARYLIFE
INDUSTRIALLIFE
GROUPLIFE
GROUPPENSION
PENSIONANDANNUITY
PART I - INSURANCE COMPANIES
LOCAL
REPORT ON INSURANCE AND PENSIONS 15
COMPANIES
NOT
*
*
-
NOT
*
NOT
NOT
NOT
*
NOT
NOT
NOT
NEW
-
*
*
NEW
-
NEW
NEW
NEW
*
NEW
NEW
NEW
BUSINESS
-
*
-
BUSINESS
-
BUSINESS
BUSINESS
BUSINESS
-
BUSINESS
BUSINESS
BUSINESS
*
*
-
-
*
ORDINARYLIFE
INDUSTRIALLIFE
GROUPLIFE
GROUPPENSION
PENSIONANDANNUITY
WRITING
-
-
-
WRITING
-
WRITING
WRITING
WRITING
-
WRITING
WRITING
WRITING
LOCAL
12. Nationwide Insurance Company Trinidad Limited
1�. Scotia Life Trinidad and Tobago Limited
14. Tatil Life Assurance Company Limited
15. The Beacon Insurance Company Limited
16. The Demerara Life Assurance Company of Trinidad and Tobago Limited
17. The Reinsurance Company of Trinidad & Tobago Limited
18. The Western General Insurance Company Limited
19. United Security Life Insurance Company
Limited □
REGIONAL
20. Life of Barbados Limited □
21. Sagicor Life Incorporated
OTHER
22. Lincoln Assurance Limited◊
2�. Cuna Mutual Insurance Society
24. Sun Life Assurance of Canada
+ Operating as a closed fund under Guardian Life of the Caribbean Limited. ◊ Formerly Cannon Assurance Limited□ Business transferred to Sagicor Life Inc. # Formerly Crown Life (Caribbean) Limited.~ Formerly GTM Life Insurance Company of Trinidad and Tobago LimitedΦ Formerly Caribbean Home Insurance Company Limited* Denotes business written- Denotes business not written
LONG-TERM INSURANCE BUSINESS
REPORT ON INSURANCE AND PENSIONS16
NEWBUSINESSWRITTEN
�.0� Ten (10) companies which wrote new business (thirteen (1�) in 2004) submitted the required information under this caption.
Details are as follows: -
New Business underwritten during the years 2001 to 2005 was distributed as follows:
ExISTINGBUSINESS
�.04 Seventeen (17) Life Companies registered under the Act submitted Returns in respect of insurance existing.
The information is summarized as follows:
2005 2004
505,750 $51,562,�22,�18
478,267 $47,927,208,048
Number of PoliciesSum Assured
2001 2002
928-
2003
Local CompaniesRegionalOther
2004 2005
8911
-
928-
928-
8614
-
6�,168$6,674,�68,604
$�05,509,�66
2005
6�,601$7,0�7,110,07�
$�01,696,904
2004
Number of PoliciesSum AssuredAnnual Premiums
PERCENTAGEOFNEWINSURANCEISSUED(SUMASSURED)
(See Figure 5)
INSURANCE COMPANIES
REPORT ON INSURANCE AND PENSIONS 17
POLICIESDISCONTINUEDORREDEEMED
�.05 Fifteen (15) companies submitted information concerning the discontinuance and redemption of policies. The information for the years 2001 to 2005 is summarized hereunder.
(See Figure 6)
�9,97847,�954�,�50�5,66642,284
NUMBEROFPOLICIES
SUMASSURED$
20052004200�20022001
4,5�0,0�8,1896,627,56�,8414,602,6�6,795�,�70,487,646�,50�,947,929
YEAR
LONG-TERM INSURANCE BUSINESS
REPORT ON INSURANCE AND PENSIONS18
INSURANCE COMPANIES
FIGURE 5LONG-TERMINSURANCEBUSINESS
NEWBUSINESSWRITTEN
20012002
200�2004
2005
0%
20%
40%
60%
80%
100%
YEAR
Other Regional Local Companies
REPORT ON INSURANCE AND PENSIONS 19
LONG-TERM INSURANCE BUSINESS
FIGURE 6LONG-TERMINSURANCEBUSINESS
POLICIESDISCONTINUED/REDEEMED
REPORT ON INSURANCE AND PENSIONS20
INSURANCE COMPANIES
�.06 Policies discontinued or redeemed during 2005 have been further classified as follows:
DeathSurrenderForfeitureLapseMaturityMiscellaneousTOTAL
Details are listed in Table VIII
1,42916,100
8,6558,2622,766
2,766�9,978
94,990,6��1,215,0�0,746
792,286,9211,�74,249,519
61,056,172 992,424,1974,5�0,0�8,189
POLICYLOANS
�.07 Policy loans in respect of fifteen (15) companies for the year 2005 totaled $�40,100,962 an increase of 8.6% over the 2004 figure of $�1�,026,411. The ratio of policy loans to total reserves during 2005 remained unchanged from 1.9% in 2004.
POLICYLOANS
$
Local CompaniesRegional CompaniesOtherTOTAL
�19,855,68820,049,�10
195,964�40,100,962
RESERVES
$
POLICY LOAN / RESERVES
%
15,750,770,��81,7��,02�,004
852,99�17,484,646,��5
2.01.2
2�.01.9
NUMBEROFPOLICIES
SUMASSURED$
REPORT ON INSURANCE AND PENSIONS 21
LONG-TERM INSURANCE BUSINESS
STATUTORYFUNDS
�.08 Section �7(4) of the Insurance Act, Chap. 84:01 requires that:
“Every company carrying on long-term insurance business in Trinidad and Tobago shall place in trust in Trinidad and Tobago assets equal to its liability and contingency reserves with respect to its Trinidad and Tobago policyholders as established by the balance sheet of the Company as at the end of its last financial year.”
�.09 The total policy liabilities of the twenty (20) companies which submitted Returns amounted to $15,928,218,216 an increase of �.�% over the liabilities of $15,416,�64,716 reported by twenty (20) companies for 2004. Details of the policy liabilities of individual companies are shown in Table XI.
Policy Reserves Outstanding ClaimsOther ReservesTOTAL RESERVESLess:Policy LoansOutstanding PremiumsOther Deductions TOTAL DEDUCTIONSStatutory FundRequirement
456,986129,�84266,62�
852,99�
195,964--
195,964
657,029
Hereunder is a summary of total policy liabilities:
LOCALCOMPANIES
$
REGIONALCOMPANIES
$
OTHER
$
TOTAL
$
14,2�1,045,929 1�2,556,268
1,�87,168,141 15,750,770,��8
�19,855,6884�,044,668
�,8�8,20��66,7�8,559
15,�84,0�1,779
1,696,715,�01 26,778,677 9,529,026 1,7��,02�,004
20,049,�10 �,�71,244 571,752 2�,992,�06
1,709,0�0,698
15,928,218,216159,464,�29
1,�96,96�,79017,484,646,��5
�40,100,96246,415,912
4,409,955�90,926,829
17,09�,719,506
REPORT ON INSURANCE AND PENSIONS22
INSURANCE COMPANIES
�.10 Assets placed in trust to cover liabilities to Trinidad and Tobago policyholders amounted to $17.2 billion an increase of 1.8% over the 2004 figure.
�.11 The relationship between policy liabilities and the assets placed in trust to meet these liabilities is shown in Table XIA in respect of each company which transacted long-term business.
�.12 Section 47(2) of the Insurance Act Chap. 84:01 states that:
“.... assets not exceeding ten per cent of the Trinidad and Tobago dollar liability in each statutory fund shall be deemed to be assets in Trinidad and Tobago where such assets -
(a) are approved by the Central Bank; and (b) originate in any of the member states of the Caribbean Community”
REPORT ON INSURANCE AND PENSIONS 2�
LONG-TERM INSURANCE BUSINESS
Investments trusteed in pursuance of the Statutory Fund Requirement of the Act are detailed hereunder: -
(i) Trinidad and Tobago Government Securities denoted in T&T $ (ii) Mortgages(iii) Real Estate(iv) Trinidad and Tobago Equities (v) Cash on Deposit (vi) Other Trinidad and Tobago “Local” Assets TOTAL TRINIDAD AND TOBAGO “LOCAL” ASSETS(vii) Caricom Assets(viii) Other Caricom Assets denoted in Foreign Currency TOTAL “LOCAL” ASSETS
(ix) Foreign Government Securities(x) Other Foreign Assets TOTAL FOREIGN ASSETS TOTAL ASSETS
2005 2004
$
1,64�,171,428
686,�95,299 897,914,27�
6,582,440,1601,5�1,626,252
2,486,646,��8
1�,828,19�,751
868,154,457
2,987,157
14,699,��5,�65
17�,611,0582,�41,280,8902,514,891,948
17,214,227,�1�
%
9.54.05.2
�8.28.9
14.4
80.�
5.0
0.0
85.4
1.01�.614.6
100.0
%
8.9�.8�.9
�8.05.6
2�.7
84.0
9.8
0.2
9�.9
0.75.�6.1
100.0
(See Figure 4)
REPORT ON INSURANCE AND PENSIONS24
INSURANCE COMPANIES
LOCALASSETSRATIO
�.1� Section 47(1) of the Insurance Act, Chap 84:01 requires every company to invest in Trinidad and Tobago an amount equal to at least eighty percent (80%) of its Trinidad and Tobago dollar liability in the Statutory Fund. Section 47(2) further provides that assets not exceeding ten percent (10%) of the Trinidad and Tobago dollar liability in each Statutory Fund are deemed to be assets in Trinidad and Tobago if such assets:
(a) are approved by the Central Bank; and (b) originate in any of the member states of the Caribbean Community.
�.14 Total “Local” investment in Statutory Funds for the year 2005 was $14,699,��5,�65 representing a local asset ratio of 85.4%; the amount reported for the previous year was $15,870,5�8,141 (local asset ratio of 9�.9%).
Details are as follows: -
(i) T&T Government
Securities
(ii) Mortgages
(iii) Real Estate
(iv) T&T Equities
(v) Cash on Deposit
(vi) Other Trinidad and
Tobago “Local Assets”
TOTAL TRINIDAD AND
TOBAGO “LOCAL” ASSETS
(vii) Caricom Assets
(viii) Other Caricom
Assets denoted in
Foreign Currency
TOTAL “LOCAL” ASSETS
LOCALCOMPANIES
$
REGIONALCOMPANIES
$
OTHER
$
TOTAL
$
1,�88,1�4,949
251,�07,921
728,472,�74
6,51�,296,604
1,�14,77�,796
1,809,722,08212
12,005,707,727
868,154,457
2,987,157
12,876,849,�41
255,0�6,479
4�5,087,�78
169,441,899
69,14�,556
216,852,456
676,924,256
1,822,486,024
-
-
1,822,486,024
-
-
-
-
-
-
-
-
-
-
1,64�,171,428
686,�95,299
897,914,27�
6,582,440,160
1,5�1,626,252
2,486,646,��8
1�,828,19�,751
868,154,457
2,987,157
14,699,��5,�65
REPORT ON INSURANCE AND PENSIONS 25
LONG-TERM INSURANCE BUSINESS
REVENUEACCOUNT
�.15 Detailed Revenue Accounts in respect of twenty (20) companies transacting long-term business are shown in Tables I-VII. A summary of the Revenue Accounts for the years 2005 and 2004 listed hereunder:
Fund at beginning of yearNet PremiumsCommissions ReceivedInterest, Dividends, etc. Other Transfer from Reserves
TOTAL REVENUE
EXPENDITUREPolicy PaymentsCommissionsSalaries and other Management ExpensesOtherFund at end of year Transfer to Profit and Loss
TOTAL EXPENDITURE
REVENUE 2005$
2004$
15,150,6�0,244�,99�,004,740
871,865911,�91,297840,498,�47
-
20,896,�96,494
�,989,716,5152�1,808,188595,475,646(�4,�0�,275)
15,92�,179,052196,286,879
20,902,16�,004
1�,171,197,972 4,589,519,2�7
6,557,017 1, 878, 821,767
424,518,192 -
20,070,614,185
�,466,971,962 220,485,149 827,098,279 �29,166,�90
15,104,255,506 122,6�6,899
20,070,614,185
DISTRIBUTIONOFPREMIUMINCOME
�.16 Business was distributed among locally incorporated, Caribbean and other companies as follows:
Percentage of Long-Term Insurance Business (Net Premium Income)
Local CompaniesRegional Companies Other
20022001 20052003 2004
9�.9726.0270.001
95.6404.�590.001
95.4014.5700.029
9�.0046.96�0.0��
91.8688.1000.0�2
(See Figure 7)
REPORT ON INSURANCE AND PENSIONS26
INSURANCE COMPANIES
American Life and General Insurance Company (Trinidad and Tobago) Limited
Bancassurance Caribbean Limited
British American Insurance Company (Trinidad) Limited
Caribbean Atlantic Life Insurance Company (Trinidad and Tobago) Limited
Caribbean Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Cuna Caribbean Insurance Society Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Maritime Life (Caribbean) Limited
Mega Insurance Company Limited
Nationwide Insurance Company Trinidad Limited
Scotia Life of T&T Limited
Tatil Life Assurance Limited
The Beacon Insurance Company Limited
The Demerara Life Assurance Company of Trinidad and Tobago Limited
85,485
8,007
88,027
476
NIL
1,�72,790
22,56�
1,661
276,7��
75,266
21,074
7,495
-
62,897
47
NR
78,280
7,160
NR
�50
NIL
1,6�0,6�1
26,158
5,664
297,107
79,16�
NR
4,571
-
65,149
52
NR
89,�52
6,621
82,626
297
NIL
2,990,769
�4,598
2,151
514,188
81,9�1
26,90�
4,420
-
67,269
55
NR
97,099
5,80�
15�,082
270
NIL
�,�62,862
40,726
-
519,266
71,�91
28,�7�
2,461
�5,452
72,1�5
49
NR
104,�98
7,801
169,721
254
NIL
�,049,652
49,096
-
145,046
71,791
27,099
2,415
56,2�4
66,75�
49
1,561
�.17 Net Premium Income in respect of each company carrying on long-term business for the years 2001 to 2005 was as follows:
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
LOCAL
SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME - LONG-TERM BUSINESS
REPORT ON INSURANCE AND PENSIONS 27
LONG-TERM INSURANCE BUSINESS
NR
�05
NIL
NR
2,022,826
19,549
158,810
178,359
-
665
�4
699
2,201,884
NR
267
NIL
NR
2,194,552
25,1�0
1�9,152
164,282
-
765
24
789
2,359,623
NR
2�8
NIL
�05
3,901,723
19,968
158,185
178,153
-
941
29
970
4,080,846
NR
217
NIL
249
4,389,435
17,000
18�,044
200,044
-
-
40
40
4,589,519
NR
198
NIL
241
3,752,309
-
240,657
240,657
-
-
�9
39
3,993,005
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
LOCAL
The Goodwill General Insurance Company Limited
The Reinsurance Company of Trinidad and Tobago Limited
The Western General Insurance Company Limited
United Security Life Insurance Company Limited
TOTAL
REGIONAL
Life of Barbados Limited
Sagicor Life Inc.
TOTAL
OTHER
Lincoln Assurance Limited
Cuna Mutual Insurance Society
Sun Life Assurance Company of Canada
TOTAL
GRAND TOTAL
(See Figure 8) NR – Returns Not Received
SCHEDULESHOWINGCHANGEINNETPREMIUMINCOME-LONG-TERMBUSINESS(continued)
REPORT ON INSURANCE AND PENSIONS28
INSURANCE COMPANIES
FIGURE 7LONG-TERMINSURANCEBUSINESSPREMIUMINCOMEDISTRIBUTION
REPORT ON INSURANCE AND PENSIONS 29
LONG-TERM INSURANCE BUSINESS
FIGURE 8LONG-TERMINSURANCEBUSINESS
NETPREMIUMINCOME
REPORT ON INSURANCE AND PENSIONS�0
INSURANCE COMPANIES
REINSURANCE
�.18 Ninety-seven percent (97%) of life insurance premiums written during 2005 by sixteen (16) local companies was retained in the local economy (2004 – 99%); eighty-six percent (86%) was retained by Regional Companies.
REINSURANCE - LONG TERM INSURANCE BUSINESS - 2005
American Life and General Insurance Company (Trinidad and Tobago) Limited
Bancassurance Caribbean Limited
British American Insurance Company(Trinidad) Limited
Caribbean Atlantic Life InsuranceCompany Limited
Colonial Life Insurance Company(Trinidad) Limited
Cuna Caribbean Insurance Society Limited
Guardian Life of the Caribbean Limited
Maritime Life (Caribbean) Limited
Mega Insurance Company Limited
Nationwide Insurance Company Limited
Scotia Life of T&T Limited
Tatil Life Assurance Limited
The Beacon Insurance Company Limited
The Demerara Life Assurance Company of Trinidad and Tobago Limited
The Reinsurance Company of Trinidad & Tobago Limited
United Security Life Insurance Company Limited
TOTAL
COMPANIES GROSSPREMIUMS
NETPREMIUMS
NETRETENTIONRATIO
$
129,618,968
9,042,9�9
170,7�1,854
265,698
�,052,956,57�
50,912,087
168,475,501
74,515,9�2
28,948,485
2,975,244
56,294,766
71,56�,501
178,492
1,786,178
197,974
241,1��
3,818,705,325
$
104,�98,1��
7,800,564
169,720,851
25�,66�
�,049,651,669
49,095,764
145,046,128
71,791,�61
27,099,�05
2,415,�90
56,2�4,257
66,752,886
48,509
1,561,250
197,974
241,1��
3,752,308,837
%
80.54
86.26
99.41
95.47
99.89
96.4�
86.09
96.�4
9�.61
81.18
99.89
9�.28
27.18
87.41
100.00
100.00
98.26
LOCAL
REPORT ON INSURANCE AND PENSIONS �1
LONG-TERM INSURANCE BUSINESS
REINSURANCE - LONG TERM INSURANCE BUSINESS - 2005 (continued)
COMPANIES GROSSPREMIUMS
NETPREMIUMS
NETRETENTIONRATIO
$
278,5��,049
278,533,049
-
�9,027
39,027
4,097,277,401
$
240,656,876
240,656,876
-
�9,027
39,027
3,993,004,740
%
86.40
86.40
-
100.00
100.00
97.46
REGIONAL
Sagicor Life Incorporated
TOTAL
OTHER
Cuna Mutual Insurance Society
Sun Life Assurance Company of Canada TOTAL
GRAND TOTAL
VALUATIONREPORTS
�.19 Section 11� of the Insurance Act, Chap. 84:01, requires that each company transacting long-term insurance business submits an Actuarial Valuation Report at intervals of three (�) years or such shorter periods as the Central Bank in its discretion notifies the company.
Reports were received from the following companies:
• American Life and General Insurance Company (Trinidad and Tobago) Limited • Bancassurance Caribbean Limited • British American Insurance Company (Trinidad) Limited • Colonial Life Insurance Company Limited • CUNA Caribbean Insurance Society Limited • Guardian Life of the Caribbean Limited • Maritime Life (Caribbean) Limited • Sagicor Life Incorporated • ScotiaLife Trinidad and Tobago Limited • Tatil Life Assurance Limited • The Demerara Life Assurance Company of Trinidad and Tobago Limited
Details are contained in Tables XXII to XXXI
REPORT ON INSURANCE AND PENSIONS�2
GENERAL INSURANCE BUSINESS
4. GENERAL INSURANCE BUSINESS
4.01 There were thirty-five (�5) companies registered to transact general insurance business in Trinidad and Tobago at the end of 2005. Twenty-eight (28) wrote new business during 2005.
4.02 The types of new business transacted by registered companies were as follows.
*
IN
*
-
-
NOT
-
*
-
*
*
*
-
-
*
-
-
*
LIQUIDATION
*
-
*
WRITING
*
*
-
*
*
*
-
*
*
-
*
*
*
*
*
NEW
*
*
-
*
*
*
-
*
*
-
-
*
-
*
*
BUSINESS
-
*
-
*
*
*
-
*
*
*
-
COMPANIES LIABILITY MOTOR PROPERTY PERSONALACCIDENT
OTHER1
*
*
-
*
-
*
*
*
*
*
*
*
*
-
-
1. American Life and General Insurance (Trinidad and Tobago) Limited
2. Antilles Insurance Limited
�. Bankers Insurance Company of Trinidad and Tobago Limited
4. British American Insurance Company (Trinidad) Limited
5. Capital Insurance Limited
6. Caribbean Insurance Company Limited
7. Citizen Insurance Company Limited
8. Colonial Fire and General Insurance Company Limited
9. Export-Import Bank of Trinidad and Tobago Limited
10. Furness Anchorage Insurance Limited
11. G.T.M. Insurance Company Limited
12. Guardian General Insurance Limited
1�. Guardian Life of the Caribbean Limited
14. Gulf Insurance Limited
15. Maritime General Insurance Company Limited
16. Mega Insurance Company Limited
17. Motor and General Insurance Company Limited
LOCAL
REPORT ON INSURANCE AND PENSIONS ��
GENERAL INSURANCE BUSINESS
-
UNDER
*
*
*
IN
-
*
NOT
*
-
*
NOT
*
IN
-
*
*
*
JUDICIAL
-
*
*
LIQUIDATION
*
*
WRITING
*
*
*
WRITING
*
LIQUIDA TION
-
*
-
-
MANAGEMENT
*
*
*
-
*
NEW
*
-
*
NEW
*
-
*
*
-
*
-
*
-
-
BUSINESS
*
-
*
BUSINESS
*
-
*
*
COMPANIES LIABILITY MOTOR PROPERTY PERSONALACCIDENT
OTHER1
-
*
*
*
-
*
*
-
*
*
*
*
*
18. Motor One Insurance Company Limited
19. Nationwide Insurance (Casualty and General) Company Limited
20. N.E.M. (West Indies) Insurance Limited
21. Royal Caribbean Insurance Limited
22. The Beacon Insurance Company Limited
2�. The Equitable Insurance Company Limited
24. The Goodwill General Insurance Company Limited
25. The Great Northern Insurance Company Limited
26. The Mountain General Insurance Company Limited
27. The New India Assurance Company (Trinidad & Tobago) Limited
28. The Presidential Insurance Company Limited
29. The Reinsurance Company of Trinidad and Tobago Limited
�0. The Western General Insurance Company Limited
�1. Trinidad and Tobago Insurance Limited
�2. United Security General Insurance Company Limited
1. Sagicor Life Incorporated
2. Sagicor General Insurance
�. United Insurance Company Limited
LOCAL
REGIONAL
* Denotes business written - Denotes business not written1 Other includes Group Health, Marine, Pecuniary Loss, General Accident and Export Credit.
REPORT ON INSURANCE AND PENSIONS�4
INSURANCE COMPANIES
STATUTORY DEPOSITS
4.0� Section 29 of the Insurance Act Chap. 84:01 requires that companies transacting general insurance business maintain a deposit of not less than forty percent (40%) of their premium income less payments for reinsurance.
4.04 Additionally, there were five (5) life insurance companies incorporated outside Trinidad and Tobago which were required by the Act to maintain a minimum deposit of $250,000 each. Lloyd’s Underwriters is also required to maintain a deposit.
4.05 At the end of 2005, total deposits of $470,209,91� were invested in the following securities and held on behalf of the Central Bank of Trinidad and Tobago.
Trinidad and Tobago Government Securities denoted in Trinidad and Tobago Dollars
Other T&T Government Securities
2 Other Securities
TOTAL
2004$
2005$
194,454,212
12�,294,567
152,461,1�4
470,209,913
158,124,124
154,079,087
10�,241,926
415,445,137
2 Other Securities’ includes Trinidad and Tobago Home Mortgage Bank Bonds, US Government Securities and other Commonwealth Government Securities.
REPORT ON INSURANCE AND PENSIONS �5
GENERAL INSURANCE BUSINESS
American Life and General Insurance Company Trinidad and Tobago Limited
Bankers Insurance Company of Trinidad and Tobago Limited
British American Insurance Company (Trinidad) Limited
Capital Insurance Limited
Caribbean Insurance Company Limited
Citizen Insurance Company Limited
Colonial Fire & General Insurance Company Limited
Cuna Caribbean Insurance Society Limited
Export-Import Bank of Trinidad and Tobago Limited
Furness Anchorage General Insurance Limited
GTM Insurance Company Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Gulf Insurance Limited
Maritime General Insurance Company Limited
6,155,894
�,000,000
-
2,889,12�
-
569,642
18,746,095
-
202,216
2,022,�27
844,719
40,410,�11
62,608,000
5,052,466
2,740,076
$ $ $ $
�0,617,474
100,000
-
1,122,100
-
450,000
16,510,000
-
-
204,500
-
14,478,279
-
800,000
-
-
4,484,670
500,000
1�,07�,175
-
�,540,81�
26,575,117
196,640
874,000
152,950
�,451,050
14,765,874
-
515,000
2�,�64,760
�6,77�,�68
7,584,670
500,000
17,084,�98
-
4,560,455
61,8�1,212
196,640
1,076,216
2,�79,777
4,295,769
69,654,464
62,608,000
6,�67,466
26,104,8�5
TRINIDADANDTOBAGOGOVERNMENT
SECURITIESINTT$
COMPANIES OTHERTRINIDAD
AND TOBAGOGOVERNMENT
SECURITIES
OTHERSECURITIES
TOTAL
DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT �1ST DECEMBER 2005
LOCAL
REPORT ON INSURANCE AND PENSIONS�6
INSURANCE COMPANIES
Mega Insurance Company Limited
Motor and General Insurance Company Limited
Motor One Insurance Company Limited
N.E.M. (West Indies) Insurance Limited
Nationwide Insurance (Casualty & General) Company Limited
Royal Caribbean Insurance Limited
Sagicor General Insurance Incorporated
The Beacon Insurance Company Limited
The Goodwill General Insurance Company Limited
The Great Northern Insurance Company Limited
The Mountain General Insurance Company Limited
The New India Assurance Company (Trinidad and Tobago) Limited
The Presidential Insurance Company Limited
The Reinsurance Company of Trinidad & Tobago Limited
-
827,871
1,516,176
�,967,920
-
12,�86,000
8,241,�77
924,100
827,209
455,000
4,919,�42
591,696
-
$ $ $ $
-
-
275,000
4,292,820
IN RECEIVERSHIP
-
-
1,000,000
-
-
-
-
6,042,114
2,498,510
155,000
1,2�9,416
2,815,24�
4,145,000
-
-
1,996,500
508,500
9��,�85
-
686,500
196,985
1,500,076
155,000
2,067,287
4,606,419
12,405,740
-
12,�86,000
11,2�7,877
1,4�2,600
1,760,594
455,000
5,605,842
6,8�0,795
�,998,586
TRINIDADANDTOBAGOGOVERNMENT
SECURITIESINT.T.$
COMPANIES OTHERTRINIDAD
AND TOBAGOGOVERNMENT
SECURITIES
OTHERSECURITIES
TOTAL
DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT �1ST DECEMBER 2005 (continued)
LOCAL
REPORT ON INSURANCE AND PENSIONS �7
GENERAL INSURANCE BUSINESS
1,987,116
4,00�,0�6
185,887,712
-
8,284,500
-
8,284,500
-
282,000
-
-
282,000
194,454,212
$ $ $ $
-
2,467,500
80,858,297
-
-
1,728,270
1,728,270
-
-
40,708,000
-
40,708,000
123,294,567
87,�00
44,141,706
149,899,659
-
2,261,475
-
2,261,475
-
-
-
�00,000
300,000
152,461,134
2,074,416
50,612,242
416,645,668
-
10,545,975
1,728,270
12,274,245
-
282,000
40,708,000
�00,000
41,290,000
470,209,913
TRINIDADANDTOBAGOGOVERNMENT
SECURITIESINT.T.$
COMPANIES OTHERTRINIDAD
AND TOBAGOGOVERNMENT
SECURITIES
OTHERSECURITIES
TOTAL
DEPOSITS RETAINED IN RESPECT OF INSURANCE COMPANIESAS AT �1ST DECEMBER 2005 (continued)
LOCAL
The Western General Insurance Company Limited
Trinidad and Tobago Insurance Limited
TOTAL
REGIONAL
Life of Barbados Limited
Sagicor Life Incorporated
United Insurance Company Limited
TOTAL
OTHER
Lincoln Assurance Company Limited
Cuna Mutual Insurance Society
Lloyd’s Underwriters
Sun Life Assurance Company of Canada
TOTAL
GRAND TOTAL
REPORT ON INSURANCE AND PENSIONS�8
INSURANCE COMPANIES
GENERALINSURANCEMOTOR
4.06 Nineteen (19) companies wrote business during 2005. The Caribbean Insurance Company, Royal Caribbean Insurance Limited, The Mountain General Insurance Company Limited and The Western General Insurance Company Limited wrote no new business, while Nationwide Casualty and General Insurance Company Limited is under Judicial Management.
STATUTORYFUNDS
4.07 Section �7(5) of the Insurance Act, Chap. 84:01 requires that every company carrying on Motor Vehicle Insurance business should establish a statutory fund by placing in trust in Trinidad and Tobago assets equal to its liability and reserves less the amount held on deposit in accordance with Section 29 of the Act.
4.08 The Revenue Account of companies transacting motor business showed a cumulative liability of $520,92�,284. After deductions, including the amounts placed on deposit pursuant to Section 29 of the Act, the assets required to be placed in trust in the Fund totaled $24�,261,212. The value of assets actually placed in the Fund amounted to $277,417,822.
4.09 The relationship between the policy liabilities and statutory fund assets of each company transacting motor insurance business is shown in Table XIII.
CHANGEINPREMIUMINCOME
4.10 Net premium income in 2005 as reported by nineteen (19) companies totaled $52�,7�5,4�7 (2004 - $420,991,587).
4.11 Premium Income in respect of individual companies carrying on motor vehicle insurance business for the years 2001 to 2005 was as follows:
REPORT ON INSURANCE AND PENSIONS �9
GENERAL INSURANCE BUSINESS
American Life and General Insurance Co (Trinidad and Tobago) Limited
Bankers Insurance Company of Trinidad and Tobago Limited
Capital Insurance Limited
Caribbean Insurance Company Limited
Citizen Insurance Co Limited
Colonial Fire and General Insurance Company Limited
Furness Anchorage General Insurance Limited
G.T.M. Fire Insurance Company Limited
Guardian General Insurance Limited
Gulf Insurance Limited
Maritime General Insurance Company Limited
Motor and General Insurance Company Limited
Motor One Insurance Company Limited
Nationwide Insurance (Casualty and General) Company Limited
N.E.M. (WI) Insurance Limited
Royal Caribbean Insurance Limited
Sagicor General Insurance Inc.
8,057
�,574
29,668
-
1�,075
16,498
�,041
4,44�
41,2�7
7,016
�1,8�8
8,407
6,�02
NR
58,691
4,781
-
7,814
�,755
�5,965
-
17,120
18,297
2,805
5,625
54,607
8,147
��,950
9,162
6,6��
NR
70,101
(27)
-
8,64�
6,457
�9,6�0
-
17,�02
22,068
2,695
4,669
40,712
8,�17
46,776
9,440
6,598
NR
66,72�
-
-
1�,052
14,18�
48,719
-
25,709
69,092
2,226
9,596
10�,408
10,148
50,14�
1�,206
1�,67�
NR
-
-
21,594
8,258
14,7�2
45,248
-
17,0�8
26,714
2,745
6,644
97,664
8,457
48,29�
11,4�7
10,9�1
NR
12,550
-
-
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
LOCAL
SCHEDULESHOWINGCHANGEINNETPREMIUMINCOMEMOTORINSURANCEBUSINESS
REPORT ON INSURANCE AND PENSIONS40
INSURANCE COMPANIES
The Beacon Insurance Company Limited
The Goodwill General Insurance Company Limited
The Great Northern Insurance Company Limited
The New India Assurance Company(Trinidad and Tobago) Limited
The Presidential Insurance Company Limited
The Reinsurance Company of Trinidad and Tobago Limited
Trinidad and Tobago Insurance Limited
Grand Total
14,2�5
NR
4,578
4,986
15,668
�,009
�7,212
316,316
15,�92
NR
4,870
6,660
16,788
2,424
40,66�
360,751
12,480
NR
5,9�4
8,272
17,1�8
5,61�
44,�79
373,846
1�,284
NR
8,265
1�,726
19,059
8,487
66,164
523,735
12,�64
NR
6,�79
10,556
17,847
7,605
55,5�0
420,992
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
LOCAL
SCHEDULESHOWINGCHANGEINNETPREMIUMINCOMEMOTORINSURANCEBUSINESS(continued)
(See Figure 9)
NR – Returns Not Received
REPORT ON INSURANCE AND PENSIONS 41
GENERAL INSURANCE BUSINESS
FIGURE 9 MOTORINSURANCEBUSINESS
NETPREMIUMINCOME
REPORT ON INSURANCE AND PENSIONS42
INSURANCE COMPANIES
UNDERWRITINGRESULTS
4.12 In 2005, the underwriting results of motor insurance business showed an overall underwriting profit of $26,528,�1� as compared to an overall underwriting profit of $97,2�2,942 in 2004.
Details are in Table XIV
REINSURANCE
4.1� An examination of the Premium Analysis statements revealed the following net retention ratios (i.e., Net Premiums retained as a percentage of Gross Premiums written by companies).
PERCENTYEAR
20052004200�20022001
8985858687
REPORT ON INSURANCE AND PENSIONS 4�
GENERAL INSURANCE BUSINESS
COMPANIES GROSSPREMIUMS
NETPREMIUMS
NETRETENTIONRATIO
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 Co. Limited
Furness Anchorage General Insurance Limited
G.T.M. Fire Insurance Company Limited
Guardian General Insurance Limited
Gulf Insurance Limited
Maritime General Insurance Company Limited
Motor and General Insurance Company Limited
Motor One Insurance Company Limited
Nationwide Insurance (Casualty & General) Company Limited
N.E.M. (West Indies) Insurance Limited
Royal Caribbean Insurance Limited
$
1�,594,685
18,216,219
51,065,068
26,�17,5��
71,�66,099
2,582,1��
16,49�,�28
119,274,920
11,664,122
64,666,5�6
1�,270,767
15,979,604
UNDER
-
-
$
1�,052,125
14,18�,400
48,718,580
25,709,061
69,091,877
2,226,27�
9,595,767
10�,407,944
10,148,008
50,142,768
1�,206,044
1�,67�,200
JUDICIAL
-
-
%
96.01
77.86
95.40
97.69
96.81
86.22
58.18
86.70
87.00
77.54
99.51
85.57
MANAGEMENT
-
-
REINSURANCE-MOTORINSURANCEBUSINESS-2005
LOCAL
REPORT ON INSURANCE AND PENSIONS44
INSURANCE COMPANIES
COMPANIES GROSSPREMIUMS
NETPREMIUMS
NETRETENTIONRATIO
Sagicor General Insurance Inc.
The Beacon Insurance Company Limited
The Great Northern Insurance Company Limited
The New India Assurance Company (Trinidad and Tobago) Limited
The Presidential Insurance Company Limited
The Reinsurance Company of Trinidad & Tobago Limited
Trinidad and Tobago Insurance Limited
GRAND TOTAL
$
26,465,224
14,016,249
8,598,485
14,591,669
20,�92,819
9,576,420
69,917,200
588,049,079
$
21,594,172
1�,284,6�4
8,265,�10
1�,726,477
19,059,456
8,486,822
66,16�,519
523,735,437
%
81.59
94.78
96.1�
94.07
9�.46
88.62
94.6�
89.06
REINSURANCE-MOTORINSURANCEBUSINESS-2005(continued)
LOCAL
REPORT ON INSURANCE AND PENSIONS 45
GENERAL INSURANCE BUSINESS
4.14 Twenty-two (22) companies submitted Returns under this broad category, including five (5) life insurance companies transacting Personal Accident and Group Health businesses. Three (�) companies, which submitted Returns, wrote no new business in 2005.
4.15 Group Health Insurance accounted for 41% of the premium in this category of business; four (4) insurers transacted this class of business during the year 2005.
Details are in Tables XVI-XX
CHANGEINPREMIUMINCOME
4.16 During the year 2005 net premium income totaled $417.6million, an increase of 4�.8% over the 2004 net premium income of $290.5million.
4.17 Premium Income in respect of individual companies during the years 2001 to 2005 was as follows:
SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME OTHER THAN LONG-TERM OR MOTOR BUSINESS
American Life and General Insurance Company (Trinidad and Tobago) Limited
Bankers Insurance Company of Trinidad and Tobago Limited
British-American Insurance Company (Trinidad) Limited
Capital Insurance Limited
Caribbean Insurance Company Limited
Citizen Insurance Company Limited
Colonial Fire and General Insurance Company Limited
Export-Import Bank of Trinidad and Tobago Limited
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
58,477
1,218
NR
65
-
171
55,085
NR
56,882
2,527
2,148
74
-
112
59,959
2,229
56,484
2,099
1,9�2
76
-
96
6�,1�2
2,526
41,777
5,692
298
8,287
-
66,��4
65,418
2,290
GENERALINSURANCE-OTHERTHANLONG-TERMORMOTOR
LOCAL
NR – Returns Not Received
41,65�
825
925
6�
-
250
46,�76
NR
REPORT ON INSURANCE AND PENSIONS46
SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME OTHER THAN LONG-TERM OR MOTOR BUSINESS (continued)
Furness Anchorage General Insurance Limited
G.T.M. Fire Insurance Company Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Gulf Insurance Limited
Maritime General InsuranceCompany Limited
Mega Insurance Limited
Furness Anchorage General Insurance Limited
Nationwide Insurance (Casualty & General) Company Limited
N.E.M. (WI) Insurance Limited
The Reinsurance Company of Trinidad and Tobago Limited
Royal Caribbean Insurance Limited
Sagicor General Insurance Inc.
The Beacon Insurance Company Limited
The Great Northern Insurance Company Limited
The Goodwill General Insurance Company Limited
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
784
4,017
57,571
-
2,500
4,985
NR
784
NR
4�,796
1,�1�
(67)
-
7,866
46
NR
709
4,529
55,955
-
4,562
5,122
212
709
NR
50,494
2,624
904
-
9,768
48
NR
750
5,556
5�,�99
-
4,640
6,1�4
-
750
NR
1,158
1,594
-
-
18,151
46
NR
6�6
2,497
47,965
152,271
657
2,66�
-
6�6
NR
506
4,50�
-
9,901
1�,064
1,�21
NR
LOCAL
NR – Returns Not Received
577
�,679
44,414
-
1,04�
4,240
212
577
NR
28,710
156
816
-
5,141
41
NR
INSURANCE COMPANIES
REPORT ON INSURANCE AND PENSIONS 47
SCHEDULE SHOWING CHANGE IN NET PREMIUM INCOME OTHER THAN LONG-TERM OR MOTOR BUSINESS (continued)
The New India Assurance Company (Trinidad and Tobago) Limited
The Western General Insurance Company Limited
Trinidad and Tobago Insurance Limited
TOTAL
Life of Barbados Limited
Sagicor Life Incorporated
United Insurance Company Limited
TOTAL
GRAND TOTAL
2001(000)
$
2002(000)
$
2003(000)
$
2004(000)
$
2005(000)
$
COMPANIES
978
-
�0,015
268,820
-
21,�57
2,497
23,854
292,674
1,046
-
�1,186
291,090
-
27,�70
�,594
30,964
322,054
1,826
-
�2,0��
51,632
-
�2,567
6,25�
38,820
290,452
401
-
24,195
374,808
-
�7,749
5,012
42,760
417,568
LOCAL
19�
-
28,087
207,401
-
17,016
868
17,884
225,285
REGIONAL
(See Figure 10)
NR – Returns Not Received
GENERAL INSURANCE BUSINESS
REPORT ON INSURANCE AND PENSIONS48
FIGURE 10 OTHERINSURANCEBUSINESS
NETPREMIUMINCOME
INSURANCE COMPANIES
REPORT ON INSURANCE AND PENSIONS 49
GENERAL INSURANCE BUSINESS
UNDERWRITINGRESULTS
4.18 In 2005, the underwriting results of property insurance business revealed an overall underwriting loss of $59,��8,208. This class of business experienced an overall underwriting profit of $�0,8�1,798 in 2004.
Details are summarized in Table XXI.
REINSURANCE
4.19 An examination of the Premium Analysis statements revealed the following net retention ratios (i.e, Net Premiums retained as a percentage of Gross Premiums written by Companies).
2004%
1077
1075
2005%
2003%
2002%
2001%
1070
1062
1268
PropertyOther (that is, exclusive of Motor Vehicle, Property and Long-term)
COMPANIES GROSSPREMIUMS
NETPREMIUMS
American Life and General Insurance Co (Trinidad and Tobago) Limited.
Bankers Insurance Company of Trinidad and Tobago Limited
British-American Insurance Company (Trinidad) Limited *
Capital Insurance Limited
Citizen Insurance Company Limited
Colonial Fire & General Insurance Co. Limited
144,0�7,70�
4,�08,871
210,898
281,597
1��,19�
59,�12,418
NETRETENTIONRATIO
9,445,281
191,070
(111,681)
47,097
45,192
7,457,7�1
6.56
4.4�
(5�.0)
16.72
��.9�
12.57
$ $ %LOCAL
REINSURANCE-PROPERTYBUSINESS2005
4.20 Details of the percentage of Gross Premium retained in respect of property insurance business are as follows:
REPORT ON INSURANCE AND PENSIONS50
INSURANCE COMPANIES
COMPANIES GROSSPREMIUMS
NETPREMIUMS
4,190,64�
17,871,�66
90,297,�72
20,080,047
60,524,646
UNDER
-
-
19,787,204
18,�1�,141
118,81�
11,570,276
10,244,�25
�6,177,829
497,460,342
22,700,661
22,700,661
520,161,003
NETRETENTIONRATIO
217,060
�,�25,842
17,677,54�
2,2�0,847
2,724,65�
JUDICIAL
-
-
5,204,928
�,894,616
5�,�42
1,42�,660
�54,995
4,995,479
59,177,655
�,005,786
3,005,786
62,183,441
5.18
18.61
19.58
11.11
4.50
MANAGEMENT
-
-
26.�0
21.27
44.90
12.�0
�.47
1�.81
11.90
1�.24
13.24
11.95
$ $ %LOCAL
REINSURANCE-PROPERTYBUSINESS2005(continued)
Furness Anchorage General Insurance Limited
G.T.M. Fire Insurance Company Limited
Guardian General Insurance Limited
Gulf Insurance Limited
Maritime General Insurance Company Limited
Nationwide Insurance (Casualty & General) Company Limited
N.E.M. (West Indies) Insurance Limited
Royal Caribbean Insurance Limited
Sagicor General Insurance Inc.
The Beacon Insurance Company Limited
The Great Northern Insurance Company Limited
The New India Assurance Company (Trinidad and Tobago) Limited
The Reinsurance Company of Trinidad and Tobago Limited
Trinidad and Tobago Insurance Limited
TOTAL
REGIONAL
United Insurance Company Limited
TOTAL
GRAND TOTAL
* Not writing new property business.
REPORT ON INSURANCE AND PENSIONS 51
GENERAL INSURANCE BUSINESS
COMPANIES GROSSPREMIUMS
NETPREMIUMS
American Life and General Insurance Company (Trinidad and Tobago) Limited
Bankers Insurance Company of Trinidad and Tobago Limited
British-American Insurance Company (Trinidad) Limited
Capital Insurance Limited
Citizen Insurance Company Limited
Colonial Fire and General Insurance Company Limited
Furness Anchorage General Insurance Limited
GTM Fire Insurance Company Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Gulf Insurance Limited
Maritime General Insurance Company Limited
Nationwide Insurance (Casualty & General) Company Limited
N.E.M. (West Indies) Insurance Limited
Reinsurance Company of Trinidad and Tobago Limited
65,860,708
5,906,596
872,54�
2�,506
66,��5
71,870,965
779,905
4,985,666
84,295,429
162,789,507
�,824,604
1�,�89,971
UNDER
9,10�,651
54,222,805
NETRETENTIONRATIO
41,776,709
5,691,806
297,996
8,287
66,��4
65,417,808
6�5,66�
2,496,979
47,965,107
152,270,728
656,558
2,662,788
JUDICIAL
505,64�
4,50�,169
6�.4�
96.�6
�4.15
�5.25
100.00
91.02
81.51
50.08
56.90
9�.54
17.17
19.89
MANAGEMENT
5.55
8.�0
$ $ %LOCAL
REINSURANCE-OTHERTHANMOTOR,PROPERTYANDLONG-TERMBUSINESS2005
4.21 Details of the percentage of Gross Premium retained in respect of other categories of general insurance business (excluding Motor and Property) are as follows:
REPORT ON INSURANCE AND PENSIONS52
INSURANCE COMPANIES
COMPANIES GROSSPREMIUMS
NETPREMIUMS
-
15,586,190
�2,451,184
1,�21
422,44�
2,290,262
�7,494,578
566,2�8,169
�9,252,009
7,7�7,497
46,989,506
61�,227,675
NETRETENTIONRATIO
-
9,901,199
1�,06�,566
1,�21
401,100
2,290,262
24,194,661
�74,807,684
�7,748,818
5,011,598
42,760,416
417,568,100
-
6�.5�
40.26
100.00
94.95
100.00
64.5�
66.19
96.17
64.77
91.00
68.09
$ $ %LOCAL
REINSURANCE-OTHERTHANMOTOR,PROPERTYANDLONG-TERMBUSINESS2005(continued)
Royal Caribbean Insurance Limited
Sagicor General Insurance Inc.
The Beacon Insurance Company Limited
The Great Northern Insurance Company Limited
The New India Assurance Company (Trinidad and Tobago) Limited
Trinidad and Tobago Insurance Limited
Export-Import Bank of Trinidad and Tobago Limited
TOTAL
REGIONAL
Sagicor Life Incorporated
United Insurance Company Limited
TOTAL
GRAND TOTAL
REPORT ON INSURANCE AND PENSIONS 5�
GENERAL INSURANCE BUSINESS
9�,69�,�96
8,791,020
(12,01�,484)
��,185,045
10,247,054
(9,280,�65)
42,559,214
12,854,82�
�,866,476
�7,26�
9,920,�20
250,000
5,601,712
�0,59�,287
American Life and General Insurance Company Trinidad and Tobago Limited
Bankers Insurance Company of Trinidad and Tobago) Limited
British American Insurance Company (Trinidad) Limited
Capital Insurance Limited
Caribbean Insurance Company Limited +
Citizen Insurance Company Limited
Colonial Fire & General Insurance Company Limited
SOLVENCYTEST
4.22 Section 77(1) of the Insurance Act, Chap. 84:01 states, inter alia, that
“a company carrying on general insurance business shall be deemed for the purpose of the Companies Ordinance to be unable to pay its debts where the value of its admissible assets does not exceed the amount of its liabilities by which ever is the greater of the following amounts:
(a) two hundred and fifty thousand dollars; or (b) twenty per cent (20%) of the general premium income of the company computed
as at the end of its last financial year. “
4.2� Details of the solvency position of companies registered to underwrite motor and other general insurance business are shown as follows:
MARGINOFSOLVENCYGENERALINSURANCEBUSINESS-2005
COMPANIES MINIMUMSOLVENCY
REQUIREMENTINACCORDANCE
WITHSECTION77OFTHEINSURANCE
ACTCHAP.84:01
80,8�8,57�
4,924,544
(12,050,747)
2�,264,725
9,997,054
(14,882,077)
11,965,927
ExCESS(DEFICIT)ADMISSIBLE
ASSETSOVERLIABILITIES
+OR(-)
MARGINOFSOLVENCY/
INSOLVENCY+OR(-)
$ $ $
LOCAL
REPORT ON INSURANCE AND PENSIONS54
8,486,857
4,882,996
�,456,471
67,6�5,402
�1,650,8�0
79,029,726
29,24�,126
(�,642,�41)
JUDICIAL
26,085,6��
(755,6�7)
11,170,028
NR
4,607,165
458,052
615,799
2,440,0�7
49,789,485
8,881,992
11,106,041
7,297,�62
2,7�4,640
UNDER
24,759,707
250,000
10,460,920
NR
1,66�,995
Export-Import Bank of Trinidad and Tobago Limited
Furness Anchorage General Insurance Limited
GTM Insurance Company Limited
Guardian General Insurance Limited
Gulf Insurance Limited
Maritime General Insurance Company Limited
Motor and General Insurance Company Limited
Motor One Insurance Company Limited
Nationwide Insurance (Casualty & General) Company Limited *
N.E.M. (West Indies) Insurance Limited
Royal Caribbean Insurance Limited
The Beacon Insurance Company Limited
The Goodwill General Insurance Company Limited *
The Great Northern Insurance Company Limited
MARGINOFSOLVENCYGENERALINSURANCEBUSINESS-2005(continued)
COMPANIES MINIMUMSOLVENCY
REQUIREMENTINACCORDANCE
WITHSECTION77OFTHEINSURANCE
ACTCHAP.84:01
8,028,805
4,267,197
1,016,4�4
17,845,917
22,768,8�8
67,92�,685
21,945,764
(6,�76,981)
MANAGEMENT
1,�25,926
(1,005,6�7)
709,108
NR
2,94�,170
ExCESS(DEFICIT)ADMISSIBLE
ASSETSOVERLIABILITIES
+OR(-)
MARGINOFSOLVENCY/
INSOLVENCY+OR(-)
$ $ $
LOCAL
INSURANCE COMPANIES
REPORT ON INSURANCE AND PENSIONS 55
�7,861,877
NR
11,014,660
2,�17,�10
6,624,076
147,571,021
634,421,080
6,895,118
6,895,118
641,316,198
2,411,281
NR
�,811,891
2,668,997
-
25,068,�26
217,542,406
1,60�,477
1,603,477
219,145,883
MARGINOFSOLVENCYGENERALINSURANCEBUSINESS-2005(continued)
COMPANIES MINIMUMSOLVENCY
REQUIREMENTINACCORDANCE
WITHSECTION77OFTHEINSURANCE
ACTCHAP.84:01
�5,450,596
NR
7,202,769
(�51,687)
6,624,076
122,502,695
416,878,674
5,291,641
5,291,641
422,170,315
ExCESS(DEFICIT)ADMISSIBLE
ASSETSOVERLIABILITIES
+OR(-)
MARGINOFSOLVENCY/
INSOLVENCY+OR(-)
$ $ $
LOCAL
The New India Assurance Company (Trinidad and Tobago) Limited
The Mountain General Insurance Company Limited.*
The Presidential Insurance Company Limited
The Reinsurance Company of Trinidad & Tobago Limited
The Western General Insurance Company Limited *
Trinidad and Tobago Insurance Limited
TOTAL
REGIONAL
United Insurance Company Limited
TOTAL GRAND TOTAL
+ Caribbean Insurance Company Limited is running off its portfolio.* Nationwide Insurance (Casualty & General) Company Limited, the Mountain General Insurance Company Limited and the Western General Insurance Company Limited, have stopped writing new business.
NR – Returns Not Received
GENERAL INSURANCE BUSINESS
REPORT ON INSURANCE AND PENSIONS56
INSURANCE COMPANIES
5. ASSOCIATION OF UNDERWRITERS
REGISTRATION
5.01 Lloyd’s Underwriters remained the only association of underwriters registered to transact insurance business in Trinidad and Tobago.
INTERMEDIARIES
5.02 The names of Trinidad and Tobago intermediaries through whom insurance or reinsurance was placed at Lloyd’s are listed hereunder:
Charlett and Gatcliffe Limited Insurance Brokers West Indies Limited M & M Insurance Services Limited Miller Insurance Brokers Limited 21st Century Insurance and Reinsurance Brokers Limited
VOLUME OF BUSINESS
5.0� Insurance business placed at Lloyd’s during the years 2005 and 2004 are detailed below:
90,�07,140209,262,�86
299,569,526
PremiumsReceived2005 2004
Direct Insurance* Reinsurance TOTAL
ClaimsPaid2005 2004
101,594,686108,269,494
209,864,180
18,627,094 -
18,627,094
14,671,�66101,6��,�98
116,304,764
* Information relating to Reinsurance Claims paid for the year 2005 was not submitted.
REPORT ON INSURANCE AND PENSIONS 57
PART II - INSURANCE INTERMEDIARIES
6. PART II INSURANCE INTERMEDIARIES
6.01 The following table shows the number of intermediaries that were registered during 2005 in accordance with Part III of the Insurance Act, Chap. 84:01.
INTERMEDIARIES
List of registered Agents, Brokers and Adjusters are provided at Appendices B, C and D respectively of this report.
NEWAPPLICATIONSAPPROVEDIN2005
RENEWALCERTIFICATESISSUEDIN2005
SALESMEN:
AGENTS:
(a) Individuals(b) Partnerships(c) Corporate Bodies
TOTAL
BROKERS:
(a) Individuals(b) Partnerships(c) Corporate Bodies
TOTAL
ADJUSTERS:
(a) Individuals(b) Partnerships(c) Corporate Bodies
TOTAL
1303
116-
255
371
42-
�7
79
9-
15
24
314
14-
29
43
4-2
6
--
-
-
REPORT ON INSURANCE AND PENSIONS58
INSURANCE INTERMEDIARIES
ExAMINATIONS
6.02 The Trinidad and Tobago Insurance Institute is the approved educational institution to supervise and administer examinations referred to in Part III of the Act.
6.0� The results of examinations in life and general insurance which were held in 2005 are as follows:
REVENUE
6.04 The total revenue collected from registration fees for the period ended �1st December 2005 amounted to $864,100 and in 2004 - $751,900.
NO.OFPERSONSREGISTEREDTOWRITEExAMS
Long-term InsuranceExaminations
AprilJuneAugustOctoberDecember
General Insurance Examinations
AprilJuneAugustOctoberDecember
115715817
115
451��92697
NO.OFPERSONSWHOWERE
SUCCESSFUL
NO.OFPERSONSREGISTEREDTOWRITEExAMSBUTDIDNOT
894727
849
2411�01457
75
11�
15
614�4
REPORT ON INSURANCE AND PENSIONS 59
PART III - PENSION FUND PLANS
7. PART III PENSION FUND PLANS
7.01 There were no new Pension Plans registered during 2005.
7.02 The number of active registered Pension Fund Plans now stands at two hundred (200) comprising ninety-one (91) self-administered Pension Fund Plans and one hundred and nine (109) insured/annuity plans. There are now fifty-six (56) plans in the process of being wound-up; this figure is inclusive of one (1) plan which is under judicial management. A list of all pension plans is provided at Appendix E to this Report.
7.0� The list of the active registered pension plans is provided at Appendix E to this report.
AMENDMENTS
7.04 Thirty-one amendments were made to the Trust Deeds and Rules of twenty (20) pension fund plans, during the period under review.
The amendments were registered upon payment of the prescribed fee of ten dollars ($10.00).
REVENUE
7.05 Revenue in respect of the amendments thereto for the year ended �1st December 2005 was three hundred and ten dollars ($�10.00).
ANNUALACCOUNTS
7.06 The trustees of pension fund plans submitted annual audited accounts in respect of one hundred and thirty-five (1�5) plans. Sixty-nine (69) were in respect of self administered pension fund plans and sixty-six (66) were in respect of insured /annuity pension fund plans.
7.07 For the purpose of this report, insured plans included plans which are administered by
an insurer under a deposit administration contract.
7.08 The Accounts received are detailed at Tables XXXII to XXXV.
REPORT ON INSURANCE AND PENSIONS60
PENSION FUND PLANS
7.10 The following information has been extracted from the annual accounts received.
REVENUEACCOUNTS2005-INSUREDPENSIONFUNDPLANS
REVENUE $
(1) Amount of Fund at beginning of period(2) Contributions by employers(�) Contributions by employees (4) Any additional contribution by employer to meet deficiency or back service liability(5) Interest, Dividends and Rents(6) Other Income
TOTAL REVENUE
825,905,79825,522,02815,��5,540
6�,00059,808,44617,0�9,1��
943,673,945
19,248,1945,�14,�791,2�9,882 4,055,0875,816,0�5
908,000,�68
943,673,945
(1) Superannuation benefits (i) Pensions to retired employees (ii) Retirement Gratuities (2) Death Grants(�) Return of Contributions on withdrawal(4) Other Expenditure(5) Amount of Fund at end of period
TOTAL EXPENDITURE
ExPENDITURE $
REPORT ON INSURANCE AND PENSIONS 61
PENSION FUND PLANS
REVENUEACCOUNTS2005-SELFADMINISTEREDPENSIONFUNDPLANS
REVENUE $
(1) Amount of Fund at beginning of period(2) Contributions by employers(�) Contributions by employees (4) Any additional contribution by employers to meet deficiency or back service liability(5) Interest, Dividends and Rents(6) Other Income
TOTAL REVENUE
19,5�9,525,61�215,760,79712�,470,569
-872,166,167
1,021,165,280
21,772,088,426
�42,708,99461,�57,58010,865,229
9,777,10�188,�71,098
21,159,008,422
21,772,088,426
(1) Superannuation Benefits (i) Pensions to Retired Employees (ii) Retirement Gratuities (2) Death Grants(�) Return of Contributions on withdrawal(4) Other Expenditure(5) Amount of Fund at end of period
TOTAL EXPENDITURE
ExPENDITURE $
7.10 Contributions received for the years 2001 to 2005 were shared as follows:
2004 200520032001
CONTRIBUTIONSRECEIVEDIN:
(SeeFigure11)
EMPLOYER 198,865,904 158,882,807 168, 891,229 151,995,�51 241,�45,825
EMPLOYEES 11�,566,918 91,547,746 119, 894,595 92,086,298 1�8,806,109
2002$ $ $ $ $
REPORT ON INSURANCE AND PENSIONS62
ASSETSOFSELF-ADMINISTEREDPLANS
BALANCE SHEETS
7.11 The Insurance Act requires that balance sheets should be furnished only in respect of self-administered pension fund plans. In respect of insured pension fund plans the relevant information is incorporated in the Balance Sheet which the insurance company is required to submit with its annual financial returns.
7.12 The following assets distribution statement in respect of self-administered plans has been
compiled from the balance sheets of the accounts of self-administered plans received for the year 2005
2005$
2004$
Trinidad and Tobago Government Securities denoted in TT $MortgagesReal EstateTrinidad and Tobago EquitiesFixed DepositsOther Trinidad and Tobago AssetsTrinidad and Tobago Government Securities denoted in Foreign Currency
TOTAL LOCAL ASSETS
Foreign Government SecuritiesOther Foreign SecuritiesTOTAL ASSETS IN FUND
LOCAL ASSETS RATIO
(see Figure 12)
1,511,440,�80
285,676,58�20,9�1,066
9,794,178,516927,842,907
7,404,858,895
226,4�8,794
20,171,367,141
101,�48,5961,8�6,288,810
22,109,004,547
91.14%
1,029,0�9,794
75,271,679 11,�8�,400
6,681,02�,960 �82,140,561
5,166,722,�57
�21,881,9�0
13,767,463,681
�76,425,008 726,700,051
14,870,588,740
92.58%
7.1� For the year 2005 the Actuarial Valuations of twenty one (21) registered pension fund plans were submitted in accordance with Section 185 (�) of the Insurance Act.
7.14 The reports were reviewed with particular reference to the comments and/or recommendations of the Actuaries with respect to the solvency position of each Plan.
PENSION FUND PLANS
REPORT ON INSURANCE AND PENSIONS 6�
PENSION FUND PLANS
FIGURE 11 PENSIONPLANCONTRIBUTIONS
REPORT ON INSURANCE AND PENSIONS64
FIGURE 12 PENSIONFUNDPLANS
ASSETSOFSELFADMINISTEREDPLANS
2005 2004
$ $
MORTGAGES 285,676,58� 175,271,679
FOREIGN ASSETS 1,9�7,6�7,406 1,425,006,989
FIXED DEPOSITS 927,842,907 �82,140,561
T&T GOV’T SEC. 1,511,440,�80 1,029,0�9,794
OTHER * 17,468,75�,744 11,859,127,917
22,131,351,020 14,870,586,940
* Other includes Real Estate & Other T&T Assets
PENSION FUND PLANS
REPORT ON INSURANCE AND PENSIONS 65
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER:
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
Furness Trinidad Limited Pension Fund Plan
British Gas Trinidad Limited Pension Plan
COLFIRE Pension Fund Plan
KR Consulting (Trinidad) Limited
Bacon Woodrow & De Souza
Denise Radix- Richards
March �1, 2004
December �1, 200�
January 01, 2004
The valuation revealed a past service of $2.556 million with a funding level of 148%. It was recommended that:-
(a) The Company continue to contribute at the rate of 6% of salaries until the next valuation which is due on or before March �1, 2007
The valuation revealed a past service surplus of $1.210 million with a funding level of 114%. It was recommended that:-
(a) The Company continue to contribute to the Plan at its current rate of 7.2% of members’ salaries.The next actuarial valuation should be carried out as at December �1, 2006
The valuation revealed an actuarial surplus of $1.756 million with a funding level of 107%. It was recommended that:-
(a) The surplus be used to continue the unchanged contribution level (i.e. 10% of Members’ salaries with the balance of the surplus being carried forward as a margin against future contingencies.
The next actuarial valuation is to be carried out as at January 1, 2007.
REPORT ON INSURANCE AND PENSIONS66
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
The Trinidad and Tobago Building and Loan Association Pension Fund Plan
National Union of Government & Federated Workers Staff Pension Plan
Thomas Peake & Company Limited. Pension Plan
Denise Radix- Richards
Bacon Woodrow & De Souza
Eckler Partners Limited.
December �1, 200�
January 1, 2004
January 1, 2004
The valuation revealed a past service surplus of $8.675 million with a funding level of �05%. It was recommended that:- (a) Consideration be given to further improving the benefits payable by the Plan for example increasing the accrual rate for subsequent service and providing pensioners with an increase to compensate for inflation (b) The Company continue to match the members’ contributions of 2% p.a.(c) The balance of the surplus be carried forward as a margin against future contingencies.The next valuation should be carried out as at December �1, 2006.
The valuation revealed a past service surplus of $2.2�9 million with a funding level of 115%. It was recommended that:-(a) The balance surplus of $1.2 million remaining after making increases to pensions and deferred pensions be carried forward to the next valuationThe next valuation should be carried out no later than January 1, 2007.
The valuation revealed a past service surplus of $2.448 million with a funding level of 117%. The Company is desirous of utilizing the surplus as follows: (a) To permit deferred vested members to early retire on or after age 60 with un-reduced pension benefits. This improvement utilizes $�40,000 of the surplus(b) To reduce the Company’s contributions to a level which matches the aggregate members’ contributionsThe next valuation is due as at January 1, 2007.
REPORT ON INSURANCE AND PENSIONS 67
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
Diego Martin Credit Union Staff Pension Fund Plan
Diego Marin Credit Union Staff Pension Fund Plan
Lonsdale Saatchi & Saatchi Advertising Limited Pension Plan
Denise Radix- Richards
Denise Radix- Richards
Eckler Partners Limited
November 1, 2000
November 1, 200�
January 1, 2005
The valuation revealed a past service deficit of $87,500 with a funding level of 52%. It was recommended that :-
(a) The employer’s contributions be increased from 8% to 16.5% of members’ salaries until the results of the next actuarial valuation.
The valuation revealed a past service deficit of $158,�00 with a funding level of 57%. It was recommended that:-
(a) The Employer’s contributions be increased from 8% to 17.2% of members’ salaries until the results of the next valuation
The next valuation be carried out on data as at November 1, 2006.
The valuation revealed a past service surplus of $698,218 with a funding level of 108.68%. It was recommended that:-
(a) The Company contribute at a rate of 5% of payroll (matching that of the members from January 1, 2005 until the next scheduled valuation of the Plan;
or
(b) The Company continue to contribute at the current level of 7% if it wishes to fund some future level of benefit improvement.
The next valuation be conducted on or before January 1, 2008.
REPORT ON INSURANCE AND PENSIONS68
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
E&Y Services Limited Pension Plan
CLICO Investment Bank Limited Staff Pension Fund Plan
Trinidad and Tobago Solid Waste Management Company Limited. Pension Plan
Eckler Partners Limited
Denise Radix-Richards
Eckler Partners
April �0, 200�
September �0, 2004
July 1, 2004
The valuation revealed a past service surplus of $2,.951 million, with a funding level of 114%. It was recommended that:- (a) The Company contribute at a matching rate to the members which is 5% of salaries. The Company has agreed to enhance benefits by rebasing Career Average Benefits to 2% of the May 1, 200�, salary rates for the period May 1, 2000 to April �0, 2004. The next valuation must be performed as at a date no later than April �0, 2006.
The valuation revealed a past service surplus of $4�6,000 with a funding level of 116% It was recommended that:- (a) The Company continue to contribute at 10. 8% of salaries given the extent of the surplus of the Plan(b) The balance of the surplus may be carried forward as a reserve against future contingencies The next valuation should be carried out on data as at September �0, 2007.
The valuation revealed a surplus of $2, 052, 575. It was recommended that:- (a) All current pensions in payment be increased to $1,120 per month with Effect from July 1, 2004(b) Deferred pensioners be awarded increases of 4% per annum for each year since(c) The rate of interest being credited to Member compulsory and voluntary contribution balances be lowered to between 7% and 7.5% in the light of falling returns
REPORT ON INSURANCE AND PENSIONS 69
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
Trinidad and Tobago Solid Waste Management Company Limited. Pension Plan – cont’d
National Insurance Board Pension Plan
Mega Insurance Co. Limited. Pension Fund Plan
Bacon Woodrow & de Souza
Eckler Partners Limited
July 1, 2004
December �1, 2004
(d) The Company and Trustee monitor the performance of the plan assets on a yearly basis and if the investment returns fall below the level of interest credited the credited rate should be reduced from the earliest possible time(e) The Company and members may continue on the contribution holiday until the next scheduled actuarial review of the Plan as at July 1, 2007.The next valuation be conducted on or before July 1, 2007.
The valuation revealed a surplus of $175 M It was recommended that:- (a) NIB continue to pay contributions at the same rate as members at 5% of salaries for the time being. This contribution rate will be reviewed at the next valuation.(b) The Trustees review the Plan’s investment strategy with the Plan’s Management Committee and the NIB with a view to diversifying the asset portfolio. This should be done in conjunction with the formal Statement of Investment Policy, which is regarded as a key element of a strong governance structure for a Pension Plan.The next valuation is due to take place as at July 1, 2007.
The valuation revealed a surplus of $11.7M It was recommended that:- (a) The Company should contribute at the rate of 100% of participants’ contribution effective January 1, 2005. The next actuarial valuation is due as at a date no later than Dec. �1, 2007.
REPORT ON INSURANCE AND PENSIONS70
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
Atlantic LNG Pension Plan
The Myerson Tooth Company Limited Pension Plan
Bacon Woodrow & de Souza
Bacon Woodrow & de Souza
January 1, 2004
July �1, 2002
The valuation revealed a deficit of $�.811M It was recommended that:- (a) The Company pay the following contributions to the Plan to finance The past service deficit of $�.811 million as at 1 January 2004. (i) 8.7% of members’ salaries with effect from 1 January 2005; plus(ii) Lump sum payments of $1.405 million in June 2005, October 2005, June 2006 and October 2006(b) The recommendation at (a) will be subject to immediate review if the benefit or contribution provisions of the Plan are amended before then. The next actuarial valuation should be carried out no later than January 1, 2007.
The valuation revealed a surplus of $�.7 M It was recommended that:- (a) The Company and Trustee review the interest rate to be credited to members’ account balances(b) The current practice of awarding annual pension increases of1.5% pa be stopped until the Company and the Trustee have formally agreed to this improvement(c) No bonus interest be credited to members’ account until the Company and Trustee have fully resolved the Plan’s provisions(d) The Trustee and the Company review the Plan’s investment strategy as soon as possible(e) The above recommendations will also be subject to immediate review if the benefit or contribution provisions of the Plan are amended before then. The next actuarial valuation should be carried out no late than July �1, 2005.
REPORT ON INSURANCE AND PENSIONS 71
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
TRINTOC Non-Contributory Pension Fund Plan
Insurance Brokers (W.I.) Limited
Bacon Woodrow & de Souza
KR Consulting
September �0, 2004
February 28, 2005
The valuation revealed a past service surplus of $68.2� million with a funding level of �60% It was recommended that:-
(a) The Company continue to Pay no contributions to the Plan . This will be reviewed at the next valuation of the Plan
(b) The Trustees review the Plan’s investment strategy with the Plan’s Management Committee and Petrotrin with a view to diversifying the asset portfolio.
The next actuarial valuation must be carried out no later than Sept. �0, 2007
The valuation revealed a surplus of $1.7 M with a funding level of 128% It was recommended that:- (a) The employer and employee continue the contribution holiday.
(b) The recommendation at (a) will be re-evaluated if there are any significant changes in the Plan’s benefit structure, financial status or membership levels, including unexpected large scale salary changes
(c) The residual surplus should be carried forward as a contingency reserve against adverse future experience.The next valuation should be performed on or before February 28, 2008.
REPORT ON INSURANCE AND PENSIONS72
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.76�10.192 0.045
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
WASA
Stellar Distributors (Trinidad) Staff Pension Fund Plan
Bacon Woodrow & de Souza
Diane Baker
September �0, 200�
December �1, 2004
The valuation revealed a surplus of $101.6 M (with a funding level of 144%) of which $82.8M may be regarded as disposable It was recommended that:- (a) The Company continue to contribute at the minimum rate of 8% of basic wages(b) That an investigation be made into the emerging cash flow requirements of the Fund with a view to formulating an appropriate investment policy tailored to its particular needs. The next actuarial valuation is due no later than as at �0 September 2006.
The valuation revealed a surplus of $ �.1 M with a funding level of 442 % It was recommended that:- (a) Consideration be given to the following benefit improvements. - Increase the accrual rate from 1. 5% to 2 % for Pensionable Service prior to August �1,1992- Reduce the Normal Retirement Age from 65 to 60 - Reduce the salary averaging period from 5 years to 1 year- Provide pensioners with a one-off increase to allow for inflation between retirement and December �1, 2004(b) Either the current level of contributions can be maintained indefinitely or a full contribution holiday can be implemented for over �5 years. Contribution levels would be reviewed if benefit improvements are implemented.The next actuarial valuation is due no later than as at December �1, 2007.
REPORT ON INSURANCE AND PENSIONS 7�
ACTUARIAL INVESTIGATIONS
SUMMARIESOFTHERESULTSANDRECOMMENDATIONSOFTHEACTUARIALINVESTIGATIONSAREREPORTEDHEREUNDER(continued)
9�.0046.96�0.0��
91.8688.1000.0�2
90.9089.0580.0�4
89.08710.910
0.00�
ACTUARY VALUATIONDATE
RESULTSANDRECOMMENDATIONS
NAMEOFPLAN
L. J. Williams Limited Pension Fund Plan
National Insurance Property Development Company Limited Pension Fund Plan
Bacon Woodrow & de Souza
Bacon Woodrow & de Souza
October 1, 2004
July 1, 2004
The valuation revealed a surplus of $�.9M with a funding level of 1�8 % It was recommended that:-(a) The Company pay contributions at the same rate as members. (b) The Trustees ask ALGICO for details of the assets underlying the Deposit Administration Contract to ensure that the nature of these assets is appropriate for the Plan’s liabilities; also as a part of implementing a formal Statement Of Investment Policy, which we regard as a key element of a strong governance structure for a pension plan The next actuarial valuation is due to take place as at October 1, 2007.
The valuation revealed a surplus of $2�.8 M with a funding level of ��0% It was recommended that:- (a) The Company pay contributions at the same rate as members. This contribution rate will be reviewed at the next valuation(b) The Trustees review the Plan’s investment strategy with the Plan’s Management Committee and the Company with a view to diversifying asset portfolio. This should be done in conjunction with the formal Statement of Investment Policy, which is regarded as a key element of a strong governance structure for a Pension Plan The next actuarial valuation is due to take place as at July 1, 2007.
REPORT ON INSURANCE AND PENSIONS74
APPENDIX ASUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
AMERICANLIFEANDGENERALINSURANCECOMPANY(TRINIDADANDTOBAGO)LIMITED
INCORPORATED-1977
Directors: G. DEANE; C. TALAVARA; I. SINANAN; D. PATRICK; G. MC CLENNEN; R.K. NOTTINGHAM; B. DOZIER; M. BUTHE; M. HANSEN; R ELIA Secretary: I. SINANAN
Auditors: PRICEWATERHOUSECOOPERS
Actuary: K R SERVICES LIMITED
Countries other than Trinidad and Tobago in which the Company writes business: NIL
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESS
ASAT31STDECEMBER,2005.
ASSETS
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies
$ $
108,194,787857,897,611
1,597,10�1,284,409
55,669,880
17,117,�944,009,747
88,642,5101,055,02�
2�,20�,52�14,2�0,40874,766,50190,�76,��1
1,��8,045,227
1,024,64�,790
Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
LIABILITIES $ $
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsDeposits re policies Unpaid Policyholders dividends Other Liabilities
NET LIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other TOTAL LIABILITIES
924,096,70849,1�2,07614,264,521
2,290,412�,689,084
16,272,60847,011,128
1,056,756,5�7
12,000,000 (�,128,949)
4,826,�90 219,819,65�
47,771,597
1,��8,045,227
REPORT ON INSURANCE AND PENSIONS 75
APPENDIX A
BANCASSURANCECARIBBEANLIMITED INCORPORATED–1977Directors: D. CAMACHO; H.P. GANTEAUME; A. ARCHERSecretary: FE LOPEZ-COLLYMOREAuditors: PRICE WATERHOUSECOOPERSActuary: M. BOSLANDCountries other than Trinidad and Tobago in which the Company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
67,2�0,�6017,52�,52914,��1,614
182,711,46910,101,516
5,062,48�6,249,006
�26,729,2897,002,525
82,4549�8,9�0
20,617,11921,90�,78660,790,185
�0�,68�,507
1,�11,9�2 1,028,882
15,675,880 (88,�58)
15,729,475 2,194,444
19,502,518 88,189,078
447,227,358
4�8,064,288
4,940,��44,222,7�6
447,227,358
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceBank Loans and OverdraftsDeposits re policies Unpaid Policyholders dividends Other Liabilities NETLIABILITIES
Paid-up Share CapitalShare Premium Account
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS76
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
BANKERSINSURANCECOMPANYLIMITEDINCORPORATED-1976
Directors: J. ALI; S. P. RAMQUAR; B. DOLSING; J. LALL; R. BACHAN; ROBERT AMAR RICKY AMAR; G. RAMNATH Secretary: R. BACHANAuditors: CHANKA SEETERAM & CO.Countries other than Trinidad and Tobago in which the Company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STMARCH,2005.
LIABILITIES $ $
�,0�0,000��,971
4,250,000694,896
10,9�9,91814,102,282
4,716,968112,860
6,024,098
8,008,867
8,490,558 6,709,7�7 2,779,9�5
200,81� (4,�4�)
9,08�,9�0 1,617,691
36,887,188
�5,896,126
6,890,002 (9,618,085)
�,719,145
36,887,188
Investments: Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Other Investments
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NETLIABILITIES
Paid-up Share Capital Retained Account Other
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS 77
APPENDIX A
BRITISH-AMERICANINSURANCECOMPANY(TRINIDAD)LIMITED INCORPORATED-1977Directors: L. DUPREY; B. BRANKER; R FULLERTON; R RAMNARINE; V RAMLOGAN Secretary: K. SOODEENAuditors: PRICEWATERHOUSECOOPERSActuary: TRIANGLE ACTUARIAL SERVICES, R LEISER-BANKSCountries other than Trinidad and Tobago in which the Company writes business: Anguilla, Antigua, Aruba, Barbados, Bermuda, Cayman Islands, Curacao, Dominica, Grenada, Guyana, Panama, St. Kitts & Nevis, St. Lucia, St. Vincent, Turks & Caicos.
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
ASSETS $ $
LIABILITIES $ $
�5,198,�69476,110
1,792,119�7,86�,��4
187,5�8,4091,214,�89
�57,858,�944,184,405
600,6655,0�2,622
264,082,7�0
9,0�5,84949,215,5�817,006,290
1,067,89181�,281
5,545,�206,527,70�
58,054,994
411,349,596
�67,685,591
17,869,5546,�15,8��
19,�26,707151,911
411,349,596
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS78
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
CAPITALINSURANCELIMITEDINCORPORATED-1968
Directors: Y. ALI; V. BELLAMY; F. ALI KANGALOO; S. ALI; R ABDOOLSecretary: F. NANANAuditors: A. RAMOUTAR AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: Antigua
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�,52�,4596,708,750
22,670,5694�,844,040
5,050,000
�5,�95,15420,��6,07�
747,41�7,9�1,4�7
81,796,818
1��,5451,170,862
600,000718,142170,625916,�22
8,85�,�0��9,991,210
134,350,827
64,410,077
9,750,00012,127,95244,62�,927
�,4�8,871
134,350,827
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance)
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities NETLIABILITIES
Paid-up Share Capital Unrealised Revaluation ReservesRetained Account Other
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS 79
APPENDIX A
CARIBBEANINSURANCECOMPANYLIMITEDINCORPORATED–1970
Directors: J. SELLIER; J. HADEED; P. ABOUD; C HADEEDSecretary: D. GONZALEZAuditors: R. RAMLAKHAN & COMPANYActuary: APEX CONSULTING LIMITEDCountries other than Trinidad and Tobago in which the Company writes Business: Nil
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THjUNE,2005.
LIABILITIES $ $
Investments: Fixed Deposits Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies
Cash on Current Account and in handSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Other Liabilities NETLIABILITIES
Paid-up Share CapitalNon-Admissible Assets AdjustmentOther
TOTALLIABILITIES
�50,000��0,557
1,2��,198
968,596
1,91�,755
10,559522,296
7,266,75914,756,694
24,470,063
968,596
20,000,000(20,�20,400)
2�,821,867
24,470,063
REPORT ON INSURANCE AND PENSIONS80
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
CARIBBEANATLANTICLIFEINSURANCECOMPANY(TRINIDADANDTOBAGO)LIMITEDINCORPORATED-1977
Directors: D. CAMACHO; N. LOK JAK; A. ARCHER; F LOPEZ-COLLYMORE; G. PINARD; P. GANTEAUME; S WILSON; S AHAMADSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSActuary: M. BOSLANDCountries other than Trinidad and Tobago in which the Company writes Business: Nil
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Other Investments
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities NETLIABILITIES
Other
TOTALLIABILITIES
18,768100,000
48,4624,8�9,0968,461,189
6,877,7922�0,480
2,5942,902,616
1�,467,515
2�8,8156,6�0
918,6818,240
106,01725,794
1,541,60�
16,313,295
9,884,45�
6,299,81�
16,313,295
REPORT ON INSURANCE AND PENSIONS 81
APPENDIX A
CITIZENINSURANCECOMPANYLIMITED INCORPORATED-1978
Directors: H.L. GOBIN; R. SUDAMASecretary: R. SUDAMAAuditors: R. CHADEE & COMPANY CHARTERED ACCOUNTANTSCountries other than Trinidad and Tobago in which the Company writes Business: NIL
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STjANUARY,2005.
ASSETS $ $
LIABILITIES $ $
1,076,18�1,849,5442,980,240
68,200
1�,547,061 2,�41,000
512,882
5,974,167
1,544,769689,716
87,04�2�6,061
8,531,756
16,400,94�
2,197,976 (10,067,16�)
8,531,756
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies
Cash on Current Account and in handOutstanding PremiumsInterest, dividends and rents accruing but not dueFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOther Liabilities NETLIABILITIES
Paid-up Share Capital Other
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS82
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
COLONIALFIREANDGENERALINSURANCECOMPANYLIMITED INCORPORATED–1955
Directors: R. Ng CHOW; A. THOMAS; W.P. HARRIS; H. GOON LUN; R.A. MAYERS; F.T. PREVATT Secretary: N. REISAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the Company writes business: Turks & Caicos
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
21,727,671840,757
18,826,058�2,026,200
4,619,1004,600,000
45,8�0,87117,289,271
876,09411,6�4,845
4,�77,65042,26�,258
82,6�9,786
12,978,�8719,028,2�7
62,0491,249,5241,217,585
20,787,15116,61�,571
154,576,290
122,271,989
15,751,0�4 (�,997,841)19,�44,750
1,206,�58
154,576,290
Investments: Trinidad and Tobago Government Securities Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance) Other Investments
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other
TOTALLIABILITIES
Note: Other includes excess of assets over liabilities outside of Trinidad and Tobago
REPORT ON INSURANCE AND PENSIONS 8�
APPENDIX A
COLONIALLIFEINSURANCECOMPANY(TRINIDAD)LIMITEDINCORPORATED–1936
Directors: L.A. DUPREY; H CHARLES; S DEONARINE; E DZIADYK; I GARCIA; K GARDIER; V NAIPAUL Secretary: N PATRICKAuditors: PRICEWATERHOUSECOOPERSActuary: E DZIADYK Countries other than Trinidad and Tobago in which the Company writes business: Bahamas, Belize, Cayman Islands, Guyana, Suriname
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�,171,858,658 778,608,666
6,652,787,729501,4��,578
�4,91611,187,287
91�,6��,���
8,5�7,�96,451 5,568,677
�07,076 (412,7�5)
7�0,210,0�9 27,278,�76
2,441,1�2,674
12,029,544,167
247,69�,74� 74,79�,707 97,052,162
674,412 (875,598)2,200,850
298,607,52� 116,7��,095 616,169,122
2,677,717,�72
16,160,310,555
11,741,480,558
7,500,000 4,087,�87,688
�12,179,88511,762,424
16,160,310,555
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Preference shares in non-T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsAnnuities due and unpaid Other Liabilities NETLIABILITIES
Paid-up Share Capital Unrealised Revaluation ReservesRetained Account OtherTOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS84
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
CUNACARIBBEANINSURANCESOCIETYLIMITED INCORPORATED-1989Directors: R. MC LAREN KELLMAN; J. TEJEDA-VERA; R. SWOBODASecretary: A. GOINDOO Auditors: KPMG PEAT MARWICKActuary: KR SERVICES LIMITED.Countries other than Trinidad and Tobago in which the Company writes business: Antigua & Barbuda, Dominica, Montserrat, St. Kitts, St. Lucia.
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
6,75�,�998,407,2716,�65,448
18,0��,0�125,000
16,�2�,208
�9,974,22�15,718,616
�97,964885,8644�2,049104,596
5,20�,84�
55,907,�57
6,4�1,090�,200,4866,152,295
470,0802,250,289
4�7,286862,955
1,6�1,181
77,343,019
62,717,150
4,514,265 (1,01�,5�7)11,125,1�6
77,343,019
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Other Investments
Cash on Current Account and in handPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersDeposits re policies Unpaid Policyholders dividends Other Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS 85
APPENDIX A
ExPORT-IMPORTBANKOFTRINIDADANDTOBAGOLIMITEDINCORPORATED-1973
Directors: C. BENN; A V. HENRY; A. CATO; A. HADEED; L.LEQUAY; R. ABASALI G. LAUGHLIN; K. PARKER Secretary: J.A. IBLEAuditors: PANNELL KERR FOSTERCountries other than Trinidad and Tobago in which the Company writes business: NIL
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THSEPTEMBER,2005.
ASSETS $ $
LIABILITIES $ $
5,995,000212,845
1,000,000
206,�81 60,805,854
�,095,814
7,207,845
6,905,80��74,477
1,491,785582,625
56,88�,159
73,445,694
64,108,049
12,2�4,000 (2,076,181)
595,920 (1,416,094)
73,445,694
Investments: Fixed Deposits Trinidad and Tobago Government Securities Bonds and Debentures in T&T Companies
Cash on Current Account and in handInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Claims admitted or intimated but not paidBank Loans and OverdraftsOther Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS86
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
FURNESSANCHORAGEGENERALINSURANCELIMITEDINCORPORATED–1979
Directors: D. M RAJPAULSINGH; W. A. FERREIRA; J. G. FERREIRA; P. A. FERREIRA; V. PRAIMSecretary: P. A. FERREIRAAuditors: PRICEWATERHOUSE COOPERSCountries other than Trinidad and Tobago in which the Company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
1,864,458229,908772,6�0
1,109,2701,1�1,278
802,�46201,422
2,866,996
4,265,7�9611,219
11,88749,972
1,251,504160,546
9,217,863
�,244,�16
�,�00,000 (48,867)614,405
1,110,897 997,112
9,217,863
Investments: Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS 87
APPENDIX A
G.T.M.FIREINSURANCECOMPANYLIMITED INCORPORATED–1977
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
2,100,000854,895707,�74147,98�
4,451,8�01,91�,9�2�,414,075
10,068,�05 5,578,927 5,00�,560 5,829,712 1,�44,917
Directors: L. SUMADH; V. RAMLOGAN; D. RAMLAL; L. DHANOOSecretary: L. LOPEZAuditors: L DE NOBRIGA & COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL.
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance) Other Investments
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other
TOTALLIABILITIES
1�,590,089
1,182,5894,625,676
22,�8�127,7�029�,�78
14,876,416
34,718,261
27,825,421
5,1�5,176 (41,8�9,0�6)
7,490,�96 �0,110,922
5,995,�82
34,718,261
REPORT ON INSURANCE AND PENSIONS88
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
GUARDIANGENERALINSURANCELIMITED INCORPORATED-1973
Directors: R. MARTINEAU; S. WILSON; H. DOTTIN; I. AHAMAD; R. ESPINET, T. FARRELL; P. GANTEAUME; N. LOK JACK; A. LANCASTER; J. GONZALES; N. DINGWALLSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the Company writes Business: Barbados
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
5,624,71�8,6�2,052
49,82�,50026,752,144�0,499,594��,�12,0�7�6,029,221
2,�10,050
69,700,725 122,608,967
17,1�2,592 872,929
95,774,20�
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Other Investments
Cash on Current Account and in handOutstanding PremiumsSundry Debtors
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other
TOTALLIABILITIES
192,98�,�11
79,491,629��,269,57690,527,�21
396,271,837
�06,089,416
1,195,780,006 (1,227,292,8�9)
71,4�6,78� 50,258,471
396,271,837
REPORT ON INSURANCE AND PENSIONS 89
APPENDIX A
GUARDIANLIFEOFTHECARIBBEANLIMITEDINCORPORATED-1981
Directors: D. CAMACHO; N. LOK JAK; A. ARCHER; F LOPEZ-COLLYMORE; G. PINARD; P. GANTEAUME; S WILSON; S AHAMADSecretary: FE LOPEZ-COLLYMOREAuditors: PRICE WATERHOUSECOOPERSActuary: M. BOSLANDCountries other than Trinidad and Tobago in which the Company writes business: Barbados, St Vincent & The Grenadines
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
258,799,41715,771,946
229,775,9872�9,898,508
14,�60,21�1,5�6,279,7�1
204,9�8,172�2,990,871
189,��9,19076,206,022
�,824,�75
�,82�,0�0,282 �9,549,702
8��,860 1�,�85,025
8,081,091 �5,�05,5�2
�,94�,997 �2�,979,571
2,802,184,4�2
40,026,7�2128,856,247
22,614,5718,809,006
2�,1�5,�9927,098,0�148,166,47278,887,891
211,�41,642525,520,05�
3,916,640,476
4,248,109,060
5�,�49,005 (420,400,571)
12,678,802 22,904,180
3,916,640,476
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Foreign Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Other Investments
Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersDeposits re policies Accrued interest on policies Other Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS90
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
GULFINSURANCELIMITEDINCORPORATED-1974
Directors: C.H. SALVATORI; H.V. SALVATORI; J.D. BARKLEY; C.A. SALVATORI; R.S. FOSTERSecretary: KENNETH KONGAuditors: LEO CHOW AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: Anguilla, British Virgin Islands, Dominica, Grenada, St. Kitts Nevis, St. Lucia, St Maarten, US Virgin Islands.
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STMARCH,2005.
LIABILITIES $ $
5,�08,2�5 5,100,000
815,000 12,90�,201
4,404,522 1,15�,711
18,880,281
7,590,177 10,594,698
(��,149,770)5,5��,422
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance)
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities NETLIABILITIES
Paid-up Share Capital Retained Account Other
TOTALLIABILITIES
48,564,950
7,415,244 6,170,�46 1,�64,911
20,14�,278 (�5,592,876)
48,065,853
(9,4�1,47�)
1�,500,000 19,571,�64 24,425,962
48,065,853
REPORT ON INSURANCE AND PENSIONS 91
APPENDIX A
MARITIMEGENERALINSURANCECOMPANYLIMITEDINCORPORATED-1978
Directors: J.H. SMITH; J. SOHUN; O. CAMPSSecretary: THE MARITIME FINANCIAL GROUP LIMITEDAuditors: PANNELL KERR FORSTERCompanies other than Trinidad and Tobago in which the Company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
86,124,11725,252,756
�,825,26840,41�,961
24,517,6��46,449,577
1,2�6,9164,789,5201,576,488
16,258,06�
155,616,102
6,564,7�411,211,892
1,045,766
174,438,494
94,828,197
4,965,00049,172,96625,472,��1
174,438,494
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities NET LIABILITIES
Paid-up Share Capital Retained Account Other
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS92
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
MARITIMELIFE(CARIBBEAN)LIMITEDINCORPORATED-1971
Directors: J.H. SMITH; J. SOHUN; L. ALFONSO; T. TANG Secretary: THE MARITIME FINANCIAL GROUP LIMITEDAuditors: PANNELL KERR FORSTER Actuary: M. CHONG TAI-BELLCountries other than Trinidad and Tobago in which the Company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
641,�52,197
782,519��,746,00�42,027,95611,691,218
4,709,57422,864,490
170,655,�86
927,829,343
846,601,8�6
10,871,�875,712,�41
26,888,577�7,755,202
927,829,343
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance)
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents outstandingSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsPremiums paid in advanceBank Loans and OverdraftsProvisions for unreported claims Unpaid Policyholders dividends Other Liabilities NETLIABILITIES
Paid-up Share Capital Share Premium AccountRetained Account Other
TOTALLIABILITIES
268,898,607192,948,279
10,000,0007�,916,268
9,81711,700,0002�,09�,65060,785,576
791,02�,90296,444
919,72�8,695,5116,8�4,049
�9,0�2,207
REPORT ON INSURANCE AND PENSIONS 9�
APPENDIX A
MEGAINSURANCECOMPANYLIMITEDINCORPORATED-1980
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�0,276,4598,905,029
16,628,80418,�81,58817,500,000
12�,90�,000 �,256,759
168,202 1,816,672
140,585 4,406,628
Directors: A. TOM YEW; DR. W. WINCHESTER; B. DOYLE; I. BEHARRY; E. CHEONG; K. CHOLMONDELEY; C. GILL; P. GILLETTE; K. ISAACS; H. RUSSELLSecretary: P. ALEONGAuditors: PRICEWATERHOUSECOOPERSActuary: PRESCIENCE INSURANCE CONSULTING AND ACTUARIES INC.Countries other than Trinidad and Tobago in which the Company writes business: NIL
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance)
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceAmount due to ReinsurersDeposits re policies Other Liabilities
NETLIABILITIES
Paid-up Share Capital Unrealised Revaluation ReservesRetained Account Other
TOTALLIABILITIES
91,691,880
662,�5112,122,8�2
9,065,70947,912
4,�62,100916,684110,2��
2,092,�00�1,510,922
6,900,500
159,483,423
1��,691,846
�5,000,000 (5,979,819)(4,69�,962)
1,465,�58
159,483,423
REPORT ON INSURANCE AND PENSIONS94
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
MOTORANDGENERALINSURANCECOMPANYLIMITEDINCORPORATED-1959
Directors: K SANOWAR; I.T. INNISS, W. MURRAYSecretary: I.T. INNISSAuditors: BOB GOPEE AND ASSOCIATESCountries other than Trinidad and Tobago in which the Company writes business: Grand Cayman, Cayman Island’s B.W.I.
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
28,426,0�95,842,775
590,�8211,275,9�2
16,104,6�52�,180,512
�,448,�061,658,70�
46,1�5,128
4,047,891944,558
22,047,9��
73,175,510
44,�92,156
1�,�74,8809,784,9285,62�,546
73,175,510
Investments: Fixed Deposits Trinidad and Tobago Government Securities Other Caricom Government Securities Ordinary shares in T&T Companies
Cash on Current Account and in handSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidBank Loans and OverdraftsOther Liabilities NET LIABILITIES
Paid-up Share Capital Unrealised Revaluation ReservesRetained Account
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS 95
APPENDIX A
MOTORONEINSURANCECOMPANYLIMITEDINCORPORATED-1976
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�2�,6965,456,144
�02,2712,270,4586,469,295
7,149,6011,451,��71,608,0074,�07,286
870,258
Directors: D RAMLAL; S. RAMDATH; V. RAMLOGAN; L. AYOUNGSecretary: R.HOSEINAuditors: L. De NOBRIGA & COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance)
Cash on Current Account and in handPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities
NETLIABILITIES
Paid-up Share Capital Unrealised Revaluation ReservesRetained Account
TOTALLIABILITIES
14,821,864
1,44�,�681,877,0�2
�69,186102,882
2,164,019506,740
�2,951
21,318,042
15,�86,489
4,509,200567,854854,499
21,318,042
REPORT ON INSURANCE AND PENSIONS96
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
NATIONWIDEINSURANCECOMPANYLIMITED INCORPORATED-1973
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
2,177,7801�,242,896
6,55�,24217,745,64514,71�,79�
46,282,4941,457,009
54,265711,869121,�45
9,197,574
Directors: P. DOWNES-GRANT; K. MARSHALL; J. A.BETHELL; T. MARTINS; A. ALEONGSecretary: C. PASEAAuditors: PRICEWATERHOUSECOOPERSActuary: A. LA FONDCountries other than Trinidad and Tobago in which the company writes business: NIL
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Foreign Government Securities Ordinary shares in T&T Companies
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsAmount due to ReinsurersDeposits re policies Other Liabilities
NETLIABILITIES
Paid-up Share Capital Share Premium AccountUnrealised Revaluation ReservesRetained Account
TOTALLIABILITIES
54,4��,�56
6�7,�44652,185
5,687,69149,221
919,725412,42828�,109
1,008,5�47,�16,726
71,400,319
57,824,556
�,�94,58744,861
9,275,890860,425
71,400,319
REPORT ON INSURANCE AND PENSIONS 97
APPENDIX A
N.E.M(WESTINDIES)INSURANCELIMITED INCORPORATED–1960
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�,967,9204,292,820
166,5021,��4,8994,484,�54
15,162,77624,500,000
4�,449 25,808,451 46,821,012
Directors: A. LANCASTER; N. LOK JACK; P. GANTEAUME; R. MARTINEAU; S. WILSON; H. DOTTIN; I. AHAMAD; R. ESPINET; T. FARRELL; N. DINGWALLSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the company writes business Anguilla, Antigua, Bahamas, Barbados, Belize, British Virgin Islands, Cayman Islands, Montserrat, St Kitts & Nevis, St. Lucia, St Vincent & The Grenadines, Turks & Caicos, US Virgin Islands:
Investments: Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (insurance) Other Investments
Cash on Current Account and in handOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsAmount due to ReinsurersOther Liabilities
NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other
TOTALLIABILITIES
5�,909,271
20,861,24926,976,270
99,6001,568,459
29,282,41218,89�
132,716,154
72,672,912
�7,758,�52 (71,658,668)
78,724,225 15,219,���
132,716,154
REPORT ON INSURANCE AND PENSIONS98
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
REINSURANCECOMPANYOFTRINIDADANDTOBAGOLIMITED INCORPORATED-1975
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�,2�4,0944,650,0571,500,0006,660,279
5,022,586 9,7��,76� 7,9��,967
49,802 �,678,278
Directors: R. LAKHAN –NARACE; D. LALOR; P LALOR; D. MITCHELL; L. LEE SING F. AL RAWI; R. TIM KEE Secretary: A. WEST SMITHAuditors: HYACINTH SIMMSActuary: R. RAMBERRANCountries other than Trinidad and Tobago in which the company writes business: NIL.
Investments: Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies Other Investments
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities
NETLIABILITIES
Paid-up Share Capital Share Premium AccountNon-Admissible Assets AdjustmentRetained Account Other
TOTALLIABILITIES
16,044,4�0
�,684,004�,277,1142,992,455
�45,8702,�91,8�4
28,735,707
26,418,�96
20,���,��� 1,929,166
(12,8�0,809)(9,250,841)
2,1�6,462
28,735,707
REPORT ON INSURANCE AND PENSIONS 99
APPENDIX A
ROYALCARIBBEANINSURANCELIMITEDINCORPORATED–1976
Directors: R. MARTINEAU; S. WILSON; H. DOTTIN; I. AHAMAD; R. ESPINET, T. FARRELL; P. GANTEAUME; N. LOK JACK; A. LANCASTER; J. GONZALES; N. DINGWALLSecretary: FE LOPEZ-COLLYMOREAuditors: PRICEWATERHOUSECOOPERSCountries other than Trinidad and Tobago in which the company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
1,487,261222,101
2,6�8,019
4,581,9�2 1,496,940
8,1�1
4,�47,�81
496,87887,255
600,621
5,532,135
6,087,00�
�,000,000(19,1�4,�81)
11,864,224 �,715,289
5,532,135
Investments: Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handInterest, dividends and rents accruing but not dueSundry Debtors
TOTAL ASSETS
Claims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities
NET LIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentRetained Account Other
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS100
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
SAGICORGENERALINSURANCEINCORPORATEDINCORPORATED–2004
Directors: D. MILLER; M.J.K. PRITCHARD; I. ALLEYNE; D. DEANE; M.P. DOWNES-GRANT; A. LA FOND; A.E. THOMASSecretary: A.C. HAZZARD Auditors: PRICEWATERHOUSECOOPERS Countries other than Trinidad and Tobago in which the company writes business: Barbados, Cayman Islands, Dominica, St. Lucia.
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�,177,69216,860,�76
15,647,4108,060,256
18,887,241
20,0�8,068
1,641,82814,526,1�7
2,728,0102,179,596
6�0,107851,161
42,594,907
42,594,907
42,594,907
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOther Liabilities NET LIABILITIES
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS 101
SAGICORLIFEINCORPORATEDINCORPORATED-2002
Directors: J.A. BETHELL; D.W. ALLAN; V.A.L. GITTENS; O.W. JORDAN; S.D.R. Mc NAMARA; T.A. MARTINS; A. ALEONG; H. Mc D BECKLES; D.D. MILLER; W.B. LUCIE-SMITH; C.D. de CAIRES; P. DOWNES-GRANTSecretary: S. OSBORNEAuditors: PRICEWATERHOUSECOOPERSActuary: A. LAFONDCountries other than Trinidad and Tobago in which the Company writes Business: Anguilla, Antigua & Barbuda, Barbados, Cayman Islands, Dominica, Grenada, Montserrat, St. Kitts, St. Lucia, St. Vincent & The Grenadines.
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
157,��6,706152,572,141
92,807,�8886,�80,27427,�62,711
219,291,57758,78�,067�2,978,871
5,206,749�96,6�2,�27
91,��1,48016,896,22845,045,4�1
2,0�1,790,546 26,778,677
28,615 2,669,06�
10,558,080 �,46�,790 2,684,750
56,770,981
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Foreign Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Preference shares in non-T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance)
Cash on Current Account and in handMortgage LoansPolicy LoansOther LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersBank Loans and OverdraftsUnpaid Policyholders dividends Other Liabilities NETLIABILITIES
Non-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account
TOTALLIABILITIES
APPENDIX A
1,�82,624,950
20,548,�574�8,47�,199
20,621,06211,2�2,91510,�22,62920,747,2�8
922,051278,99�,277172,952,5�5
20,057,5��
2,377,495,746
2,1�4,744,502
(�,41�,186)244,611,888
1,552,542
2,377,495,746
REPORT ON INSURANCE AND PENSIONS102
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
SCOTIALIFEINSURANCELIMTEDINCORPORATED-2003
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
10,�69,694�6,957,5147�,76�,18�
1,874,59�
86,402,44�500
162,�8�204,�2�
2,496,766
Directors: R. YOUNG; T. FARRELL; O. ZIMMERMANSecretary: B. JAMESAuditors: KPMG CHARTERED ACCOUNTANTSActuary: RICHARD LABELLECountries other than Trinidad and Tobago in which the Company writes Business: NIL
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies
Cash on Current Account and in handMortgage LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueSundry Debtors
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceDeposits re policies Other Liabilities
NETLIABILITIES
Paid-up Share Capital Retained Account
TOTALLIABILITIES
122,964,984
2,1�9,42124,970,274
69,0442,��6,650
102,806
152,583,179
89,266,417
60,000,000�,�16,764
152,583,179
REPORT ON INSURANCE AND PENSIONS 10�
APPENDIX A
SUNLIFEASSURANCEOFCANADA INCORPORATED-1952
Directors: D.A. STEWART, R. OSBORNE, B.F. NADEAU, J. BAILLE, G.W. CARMANY, J. CLAPPISON, W.V. STOUGHTON, D.A. GANONG, G. GIBARA K.T. HOEG, D.W. KERR, I.F. KENSERSecretary: J.M. WILSONAuditors: DELOITTE & TOUCHEActuary: R.W. WILSONCountries other than Trinidad and Tobago in which the Company writes business: Canada, United States, Great Britain, Ireland, Philippines, Indonesia, Bermuda, Hong Kong, Barbados, Puerto Rico.
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
996,741
456,986129,�84688,141
996,741
51,278 195,964
(2)�0,5�0
1,274,511
1,274,511
1,274,511
Investments: Trinidad and Tobago Government Securities
Cash on Current Account and in handPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not due
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOther Liabilities NET LIABILITIES
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS104
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
TATILLIFEASSURANCELIMITEDINCORPORATED-1977
Directors: A. N. SABGA; G. BROOKS; M.MOSES; R. SUMAIRSINGH; W.D. CLARKE; V.P. HERDESecretary: M.MUSA IBRAHIMAuditors: ERNST AND YOUNGActuary: ECKLER PARTNERS LIMITEDCountries other than Trinidad and Tobago in which the Company writes business: NIL
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
70,042,74771,265,59995,154,�7020,854,476
259,790,488168,97�,�78
1,204,9411�2,228,96�
98,142,00120,841,�75
841,82�,448 1�,168,112
2,514,577 441,964
1,001,��0 4,9��,�85
69,081,964
9�8,498,��8
6,429,08240,919,8�915,800,042
556,0995,872,544
41,�62,�9815,5�0,10920,700,000
9,549,000
1,095,217,451
9�2,964,780
�,000,000 (1,�80,9�5)
160,6��,606
1,095,217,451
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Other Caricom Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Other Investments
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersDeposits re policies Other Liabilities NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentUnrealised Revaluation Reserves
TOTALLIABILITIES
REPORT ON INSURANCE AND PENSIONS 105
APPENDIX A
THEBEACONINSURANCECOMPANYLIMITED INCORPORATED–1970
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THjUNE,2005.
LIABILITIES $ $
10,012,6616,�08,0002,�01,�24
1�,259,198�,917,6944,019,�00
18,187,841 18,�78,552 14,751,52�
4,116,849
Directors: G.S.HADEED; P. BRYAN; R. LEWIS; L. GONSALVES; F. DE NOBRIGA
Secretary: D. GONZALEZ
Auditors: 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, St Lucia.
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Foreign Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handMortgage LoansOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities
NETLIABILITIES
Paid-up Share Capital Non-Admissible Assets AdjustmentOther
TOTALLIABILITIES
�9,818,177
5,171,978�92,�61707,515
9,087,�971,�52,692
5�6,1292,4�0,�98
15,894,781
75,391,428
55,4�4,765
10,000,000 (10,2�8,�47)
20,195,010
75,391,428
REPORT ON INSURANCE AND PENSIONS106
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
THEDEMERARALIFEASSURANCECOMPANYOFTRINIDADANDTOABGOLIMITED INCORPORATED–1970
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THjUNE,2005.
LIABILITIES $ $
�0,278,�727,8�5,056
�7,188,0714,198,�201,914,745
740,�74
10�,211,6612,400,719
144,75610,894,587
Directors: P. GILLETTE; R. FIELDS; K. CHOLMONDELEY; H. RUSSELL; C. NIMBLETT;
W. WINCHESTER; C. GILL
Secretary: G. DE MATAS
Auditors: PRICEWATERHOUSECOOPERS
Actuary: PRESCIENCE INSURANCE CONSULTANTS & ACTUARIES
Countries other than Trinidad and Tobago in which the Company writes Business: Nil
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies Bonds and Debentures in T&T Companies Investment in dependent companies (non-insurance) Other Investments
Cash on Current Account and in handMortgage LoansPolicy LoansOutstanding PremiumsInterest, dividends and rents accruing but not dueInterest, dividends and rents outstandingFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOther Liabilities
NETLIABILITIES
Paid-up Share Capital Retained Account
TOTALLIABILITIES
82,154,9�8
�,049,8615,�4�,6�66,002,241
92,1422,655,5582,9�1,126
26,996,894
129,226,396
116,651,72�
5,750,0006,824,67�
129,226,396
REPORT ON INSURANCE AND PENSIONS 107
APPENDIX A
THEGREATNORTHERNINSURANCECOMPANYLIMITEDINCORPORATED-1969
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THSEPTEMBER,2005.
LIABILITIES $ $
6,29�,6702,076,112
55�,949
�,769,6792,089,091
260,6101,418,6961,444,095
Directors: W. ALEXANDER; C. SINGH, G. MAHABIR-RAMSAHAISecretary: D. PERSAD-NARINEAuditors: BERTRAM HADAWAY AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther
NET LIABILITIES
Paid-up Share Capital Retained Account Other
TOTAL LIABILITIES
8,92�,7�1
1,061,087�66,180612,226
72,0�9178,111
2,�75,962
13,589,336
8,982,171
2,17�,0001,992,670
441,495
13,589,336
REPORT ON INSURANCE AND PENSIONS108
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
THENEWINDIAASSURANCECOMPANY(TRINIDADANDTOBAGO)LIMITED INCORPORATED-1976
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�,184,5671�,�79,97�12,14�,821
199,6804,241,486
9,807,9�� 7,801,822
18,987,702 9,809,040
Directors: B. CHAKRABARTI; S. GOPALAN; K. SIRJU; G. CHATURVEDI; J. SIEWRATTAN; H. BROOMES ; A. SEKARSecretary: H.S SERVICES LIMITEDAuditors: ERNST AND YOUNGCountries other than Trinidad and Tobago in which the Company writes business: Dominica, St. Lucia, St. Maarten
��,149,527
6,9�2,58�6,146,277
1,9802,759,8606,770,241
22,857,969
78,618,437
46,406,497
17,418,945 199,242
(205,957)16,044,129 (2,044,419)
800,000
78,618,437
Investments: Fixed Deposits Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Bonds and Debentures in T&T Companies
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersOther Liabilities
NET LIABILITIES
Paid-up Share Capital Share Premium AccountNon-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS 109
APPENDIX A
THEPRESIDENTIALINSURANCECOMPANYLIMITED INCORPORATED-1970
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STOCTOBER,2005.
LIABILITIES $ $
4,7�6,75648�,500
5,856,51164,624
7,568,6208,416,5111,540,1051,755,8976,966,060
Directors: A. ALI; A. HALLIM; R. RAJCOOMAR; J. FRANKLYN; H.HOSPEDALESSecretary: R. RAJCOOMARAuditors: KRISHNA SEEGOBIN AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL
11,141,�91
892,867509,954
6,�12,�6�6,128,8�4
6�,460110,791
15,�61,�91
40,521,051
26,247,19�
6,000,0004,784,0791,125,9722,�6�,807
40,521,051
Investments: Fixed Deposits Trinidad and Tobago Government Securities Securities guaranteed by the Gov’t of T&T Ordinary shares in T&T Companies
Cash on Current Account and in handOther LoansOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidAmount due to ReinsurersBank Loans and OverdraftsOther Liabilities
NET LIABILITIES
Paid-up Share Capital Unrealised Revaluation ReservesRetained Account Other
TOTAL LIABILITIES
REPORT ON INSURANCE AND PENSIONS110
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
THEWESTERNGENERALINSURANCECOMPANYLIMITEDINCORPORATED-1959
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
4,822,9�72,045,740
40,000
�69,2924,082,�5�
Directors: B. HARRY; D. PERSAD-NARINESecretary: D. PERSAD-NARINEAuditors: BERTRAM HADAWAY AND COMPANYCountries other than Trinidad and Tobago in which the Company writes business: NIL.
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies
Cash on Current Account and in handInterest, dividends and rents accruing but not dueSundry DebtorsFixed Assets
TOTAL ASSETS
Claims admitted or intimated but not paidOther Liabilities
NET LIABILITIES
Paid-up Share Capital Retained Account Other
TOTAL LIABILITIES
6,908,677
5�,055142,47�
�,402,172499,218
11,005,595
4,451,645
5,083,700725,149745,101
11,005,595
REPORT ON INSURANCE AND PENSIONS 111
TRINIDADANDTOBAGOINSURANCELIMITEDINCORPORATED-1963
Directors: A. N. SABGA; G. BROOKS; M.MOSES; R. SUMAIRSINGH; W.D. CLARKE; V.P. HERDESecretary: M MUSA IBRAHIMAuditors: ERNST AND YOUNGCountries other than Trinidad and Tobago in which the company writes business: Antigua, Barbados, Grenada, St. Lucia, Dominica
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT31STDECEMBER,2005.
LIABILITIES $ $
�9,699,9664,091,5007,�01,079
67,2�1,�8�4,609,2��
14,7006�,918,156�0,159,8�5
6,861,2419,080,476
49,494,946
46,�28,448 57,��7,691
1,446,6�1 784,759
4,044,828 �4,894,881
Investments: Fixed Deposits Trinidad and Tobago Government Securities Other Caricom Government Securities Ordinary shares in T&T Companies Ordinary shares in non-T&T Companies Preference shares in T&T Companies Bonds and Debentures in T&T Companies Bonds and Debentures in non-T&T Companies Investment in dependent companies (insurance) Investment in dependent companies (non-insurance) Other Investments
Cash on Current Account and in handOutstanding PremiumsAmounts due from other Insurance CompaniesInterest, dividends and rents accruing but not dueSundry DebtorsFixed AssetsOther Assets
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidPremiums paid in advanceOutstanding CommissionsAmount due to ReinsurersOther Liabilities NETLIABILITIES
Paid-up Share Capital Share Premium AccountNon-Admissible Assets AdjustmentUnrealised Revaluation ReservesRetained Account Other
TOTALLIABILITIES
282,462,515
9,45�,0019,259,987
165,0752,045,969
14,70�,1�49,109,096
50,614,679
377,813,456
144,8�7,2�8
19,069,596 �2,944
(11,189,��7)78,127,776 90,142,1�2 56,79�,107
377,813,456
APPENDIX A
REPORT ON INSURANCE AND PENSIONS112
UNITEDINSURANCECOMPANYLIMITEDINCORPORATED-1976
ASSETS $ $
SUMMARYOFBALANCESHEETINRESPECTOFTRINIDADANDTOBAGOBUSINESSASAT30THSEPTEMBER,2005.
LIABILITIES $ $
10,29�,689�,928,291
14,56�,20�
�,�65,2�4�,581,86�1,�42,945
20,�65,965
Directors: H.A. TOPPIN; T.A. PEIRCE; R.G. CAVE; G. KING; D.A. BLACKMAN; D.W. BOYCESecretary: R.A.R.S. MARSHALLAuditors: ERNST AND YOUNGCountries other than Trinidad and Tobago in which the company writes business: Antigua, Aruba and the Netherland Antilles, Bahamas, Barbados, Belize, Dominica, Grenada, Guyana, Montserrat, St Lucia, St Vincent and The Grenadines, Turks and Caicos.
Investments: Fixed Deposits Trinidad and Tobago Government Securities Ordinary shares in T&T Companies
Cash on Current Account and in handOutstanding Premiums
TOTAL ASSETS
Insurance FundsClaims admitted or intimated but not paidOutstanding CommissionsOther Liabilities
NET LIABILITIES
Retained Account Other
TOTAL LIABILITIES
28,785,18�
4,�60,7279,951,076
43,096,986
28,656,007
7,940,9796,500,000
43,096,986
SUMMARY OF BALANCE SHEETS OF INCORPORATED COMPANIES
REPORT ON INSURANCE AND PENSIONS 11�
APPENDIX B
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Nov/10
Aug/16
Nov/25
Jan/21
May/18
Jul/26
Jan/0�
Jan/0�
Oct/12
Jul/16
Apr/09
Mar/08
Mar/29
Jul/29
1
2
�
4
5
6
7
8
9
10
11
12
1�
14
1 On 1 Solutions Limited.
A.E.R. Investment Services Limited.
A.E.S. Enterprises Limited
A.Rauseo & Associates Limited
A.S. Bryden & Sons (Insurance) Limited
AB Financial Solutions Limited
Abco Insurance Services Limited
ABS Financial Services Limited
Accident Insurance Marketing Limited
Adla Services Limited
Adrian Balkissoon t/a Adrian Balkissoon Enterprises
Advanced Investments Management Limited
Aerie International Limited
AFM Insurance Marketing Services & Investments Limited
Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
American Life and General Insurance Company Trinidad Limited
Guardian General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Fire and General Insurance Company Limited/ Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian General Insurance Limited/ Guardian Life of the Caribbean LimitedGuardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
REPORT ON INSURANCE AND PENSIONS114
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Apr/11
Aug/0�
Apr/�0
Mar/08
May/25
Oct/18
Sep/01
Jun/11
Mar/21
Nov/18
Jun/07
May/18
Jun/07
Jul/04
15
16
17
18
19
20
21
22
2�
24
25
26
27
28
Guardian General Insurance Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Guardian General Insurance Limited / Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
GTM Insurance Company Limited
Colonial Fire and General Insurance Company Limited / Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
The New India Assurance Company (T’dad & T’go) Limited
Guardian Life of the Caribbean Limited
AGN Insurance And Investments Limited
Ajax Services Limited
Akal Assets & Risk Management Limited
Albert Kenneth Jodhan
Albert N. Abreu t/a Abreu Trading Company
Allan Tang Choon
ALM Insurance Services Limited
Amada Investments & Financial Services Limited.
Amity Insurance Agencies Limited
Amritam Services Limited
Anand Rajkumar
Andrea Marta AJM Financial Services
Andrew Calcut t/a Calcut Insurance Services Limited
Andrew Hackett Insurance Services Limited
REPORT ON INSURANCE AND PENSIONS 115
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
29
�0
�1
�2
��
�4
�5
�6
�7
�8
�9
40
41
42
Andy De Vert Insurance Consultants Limited
Andy Gopaul
Anina Financial Services Limited
Anlegro Insurance Services Limited
Anna Gillian Mohammed
Anna Nunes t/a Erna Insurance Services
Annette Khan
Anormel Investments Limited
Ansa Mc Al Group Employees Credit Union Co-operative Society
Anthony Davis t/a Successful Ideas Limited
Anthony Nagassar t/a FAN Services
Anthony Ramsingh t/a Anthony Ramsingh Insurance Services
Anthony St. Lewis
Archton Services Limited
Mar/21
Dec/09
Nov/25
Feb/14
Jan/0�
Sep/14
Jul/04
Apr/11
Mar/21
Apr/15
Jul/04
Dec/22
Sep/10
Jul/04
Sagicor Life Incorporated
Citizen Insurance Company Limited / Motor & General Insurance Company LimitedColonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Guardian General Insurance Limited / Guardian Life of the Caribbean LimitedColonial Life Insurance Company (Trinidad) Limited
Tatil Life Assurance Limited
Trinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
APPENDIX B
REPORT ON INSURANCE AND PENSIONS116
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
4�
44
45
46
47
48
49
50
51
52
5�
54
55
56
Arthur Bishop Insurance Services Limited
Astad Investments Limited
Atherly Services Limited.
Authentic Insurance Services Limited.
B & B Gray Enterprises Limited
B. K. Insurance Agency Limited
B. Pedro Insurance Services Limited
B. Williams-Groome Financial Services Limited
B.J. Financial Services Limited
B.M.W. Professional Services Limited.
Barbara Kanhai t/a St. Clair Financial Services
Bates Asset Management Company Limited.
Beatrice Investments Limited.
Ben’s Insurance & Financial Services Limited
Jul/01
Feb/25
Sep/17
Sep/01
May/14
Sep/14
Dec/22
Apr/1�
Feb/25
Jul/27
Nov/02
Jul/22
Dec/28
Feb/2�
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) LimitedAmerican Life and General Insurance Company Trinidad Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited/ Trinidad and Tobago Insurance Limited
Trinidad and Tobago Insurance Limited
Tatil Life Assurance Limited
Tatil Life Assurance Limited / Trinidad and Tobago Insurance Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
LIST OF REGISTERED AGENTS
REPORT ON INSURANCE AND PENSIONS 117
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
57
58
59
60
61
62
6�
64
65
66
67
68
69
70
Bethel Credit Union Co-Op Society Limited
Betty Beatrice De Roche t/a Elizabeth Enterprises
Bisram Insurance Services Limited
Brent Durity t/a B.D.’s Services
Brian Christopher Samlalsingh Limited
Brijesh Supersad
C & R Basdeo Services Limited
C & S Moonah Financial Services Limited
C & Y Dass Services Limited
C.A.J. Limited
C.A.P. Services Limited
C.L.S. Insurance Advisory Services Limited
Caesar’s Advisory Services Limited
Camwiil Financial Enterprises Limited.
Jan/14
May/11
Nov/25
Feb/2�
Nov/18
Nov/22
Apr/27
Mar/29
Sep/08
Jul/04
Jul/04
Apr/11
Oct/12
May/04
GTM Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Citizen Insurance Company Limited/ Motor & General Insurance Company LimitedGuardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) LimitedTrinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
British American Insurance Company Trinidad Limited
Colonial Life Insurance Company (Trinidad) Limited
Tatil Life Assurance Limited
APPENDIX B
REPORT ON INSURANCE AND PENSIONS118
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
71
72
7�
74
75
76
77
78
79
80
81
82
8�
84
Capil’s Insurance Services Limited
Carew Investments Company Limited
Carl A. Meyer (London Guarantee) Insurances Limited
Carl Dattadeen
Carlton D.C. Buckmyre & Company Limited
Carlton Wong
CFJ Services Limited
Chaab Financial Company Limited
Charles Murray
Charles Norton Guillen t/a Guillen’s Insurance Services
Charmaine Maharaj
Chase Financial Solutions Limited
Cheelan’s Financial Advisory Services Limited
Chelsea & Company Limited.
Apr/�0
Nov/25
Mar/18
Apr/16
Dec/19
Nov/18
Feb/2�
Jan/�1
Feb/09
Mar/18
Dec/28
Jul/12
Dec/29
Dec/22
Guardian General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian General Insurance Limited/ Guardian Life of the Caribbean Limited
Motor & General Insurance Company Limited
American Life and General Insurance Company Trinidad Limited
Guardian Life of the Caribbean Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Gulf Insurance Limited
Colonial Fire and General Insurance Company Limited/ Colonial Life Insurance Company Limited
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
REPORT ON INSURANCE AND PENSIONS 119
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
85
86
87
88
89
90
91
92
9�
94
95
96
97
98
Jul/19
Aug/19
Mar/22
Jul/04
Jul/26
Dec/22
Nov/22
Dec/08
Jul/20
Jul/29
Jan/05
Jun/22
Jan/0�
May/18
Colonial Life Insurance Company (Trinidad) Limited
Colonial Fire and General Insurance Company Limited
Sagicor Life Incorporated
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Colonial Fire and General Insurance Company Limited
Sagicor Life Incorporated
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Guardian General Insurance Limited/ Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
APPENDIX B
Christian B. Grant Financial Solutions Limited
Christian Hosang
Christopher Knaggs t/a Kris K. Insurance Services
Christopher Lyons Financial Services Limited
CJ’s & Associates Company Limited
Claims Consultants & Administrators Limited
CLICO Credit Union Co-operative Society Limited
Clifford Rachpaul Enterprises Limited
Coastline Financial Services Limited
Conec Marketing & Financial Services Limited.
Cuna Caribbean Insurance Services Limited
Czar Insurance Services Limited
D. L. Financial Services Limited
D. R. Investment & Financial Services Limited
REPORT ON INSURANCE AND PENSIONS120
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
85
86
87
88
89
90
91
92
9�
94
95
96
97
98
Jul/19
Aug/19
Mar/22
Jul/04
Jul/26
Dec/22
Nov/22
Dec/08
Jul/20
Jul/29
Jan/05
Jun/22
Jan/0�
May/18
Colonial Life Insurance Company (Trinidad) Limited
Colonial Fire and General Insurance Company Limited
Sagicor Life Incorporated
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Colonial Fire and General Insurance Company Limited
Sagicor Life Incorporated
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Guardian General Insurance Limited/ Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Christian B. Grant Financial Solutions Limited
Christian Hosang
Christopher Knaggs t/a Kris K. Insurance Services
Christopher Lyons Financial Services Limited
CJ’s & Associates Company Limited
Claims Consultants & Administrators Limited
CLICO Credit Union Co-operative Society Limited
Clifford Rachpaul Enterprises Limited
Coastline Financial Services Limited
Conec Marketing & Financial Services Limited.
Cuna Caribbean Insurance Services Limited
Czar Insurance Services Limited
D. L. Financial Services Limited
D. R. Investment & Financial Services Limited
REPORT ON INSURANCE AND PENSIONS 121
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
99
100
101
102
10�
104
105
106
107
108
109
110
111
112
Jun/09
Aug/05
Mar/21
Jan/0�
Oct/12
Aug/16
Sep/10
Mar/21
Apr/15
Jul/19
Sep/07
Aug/18
Jun/22
Sep/01
Colonial Life Insurance Company (Trinidad) Limited
GTM Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Maritime General Insurance Company Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
D.Persad Insurance Services Limited
Dalchand Seerattan
Darryl Chung t/a Darryl Chung Agencies
Darryl Moreland
Daryl Dasent t/a D J Z Investments
David Grainger t/a Financial One
David Namsoo t/a D.A.N. Insurance Services
David Parasram
Dayna Vieira t/a Mayfair Insurance Services
DBM Consultants Limited
Debra Nancoo t/a Kaav Enterprise
Delothmar Parray t/a Universal Financial & Advisory Services
Demming Marketing Limited.
Deneco Limited
APPENDIX B
REPORT ON INSURANCE AND PENSIONS122
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Sep/14
Aug/2�
Jun/17
Aug/16
May/10
May/18
Feb/2�
Jun/21
Jun/17
May/07
Mar/18
Apr/11
Oct/14
Feb/27
Guardian General Insurance Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) LimitedColonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
American Life and General Insurance Company Trinidad Limited
Colonial Fire and General Insurance Company Limited
Dennis Ramdwar t/a Dennis Ramdwar Agency
Deodath Ramdath Singh Insurance & Investment Services LimitedDhanraj Maharaj t/a Dan Maharaj Financial Services
Dianne Grell t/a Financial & Insurance Solutions (FINSOL)
Dominic Gonzalez t/a Suretrade Investments Services
Doncabris Financial Planning Associates Co. Limited.
Donna Salandy t/a Meihkofin Services
Dove Financial Services Limited.
Duncan Financial Services Limited.
Dwarika & Associates Limited
Dyal Ramcharan t/a Dyal Ramcharan Insurance Services
E D Investments Limited
Eaglestar Insurance Services Limited
Eastern Credit Union Co-operative Society Limited.
11�
114
115
116
117
118
119
120
121
122
12�
124
125
126
LIST OF REGISTERED AGENTS
REPORT ON INSURANCE AND PENSIONS 12�
APPENDIX B
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
127
128
129
1�0
1�1
1�2
1��
1�4
1�5
1�6
1�7
1�8
1�9
140
Apr/15
Jul/12
May/25
Nov/25
Sep/01
Jun/17
Feb/2�
May/18
Mar/21
Jul/04
Dec/28
Dec/22
Sep/14
Aug/27
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Guardian General Insurance Limited/ The Caribbean Home Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Citizen Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Eddie’s Financial Services Limited.
Edward Lewis Francois
Edwin Boyce t/a Edwin T. Boyce Insurance Services
EKTA Consultants Company Limited
Elizabeth G. Ganga Financial Services Limited
Elizabeth Ramathally t/a Frank Ramdeen’s Insurance Agency
Emmanuel Cipriani Lawrence
Enrique Huggins Insurance Services Limited.
Ephraim Thompson t/a Ephraim Insurance Consultant Services
Estee Enterprises Limited
Eugene Nurse
Euodoo Financial Services Limited.
Everard Cabral
Excelsior Innovations Limited
REPORT ON INSURANCE AND PENSIONS124
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Sep/01
Feb/09
Sep/01
Jan/10
Feb/14
Jan/21
Nov/09
Jul/29
Nov/25
Nov/25
Jul/19
Feb/2�
Oct/08
Nov/09
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
American Life and General Insurance Company Trinidad Limited
Guardian Life of the Caribbean Limited
Colonial Fire and General Insurance Company Limited/ Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Colonial Fire and General Insurance Company Limited / Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company Limited
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
F & G Enterprises Limited
F A M Investments Limited.
Faith Financial Services Limited.
FANcc Investment Services Limited
Farrell’s Insurance Services Limited
Federal Financial Services Limited
Ferm Insurance Services Limited
FFS Limited
Financial Advisory Services Limited
Financial Evaluation Sales & Services Limited
Financial Physicians Limited
Fitzroy Sirjuesingh t/a Sirjuesingh Insurance Services
FLA Insurance Services Limited
Flemco Services Limited
141
142
14�
144
145
146
147
148
149
150
151
152
15�
154
REPORT ON INSURANCE AND PENSIONS 125
APPENDIX B
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
155
156
157
158
159
160
161
162
16�
164
165
166
167
168
Jan/0�
May/18
Jun/10
Mar/29
Jun/11
Mar/26
Jan/�1
Mar/21
Apr/11
Oct/14
May/25
Aug/26
Apr/10
Feb/2�
Gulf Insurance Limited
Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Sagicor Life Incorporated
Tatil Life Assurance Limited / Trinidad and Tobago Insurance Limited
Guardian Life of the Caribbean Limited
The Presidential Insurance Company Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Fletcher Vincent Insurance Services Limited
Frederick Maryuen
Fuentes Financial Services Limited
Futuristic Insurance Services Limited
FYC Limited
G.E.T. Financial Services Limited
G.M. Investments Limited
G.V.L. Financial Solutions Limited
Garon Limited
Gee Hee Tee Insurance Services Limited
Gee Tee & F Persnal Financial Services Limited
Geeta Manbodh-Lakhan
General Financial Services Limited
Gerard Ramroach
REPORT ON INSURANCE AND PENSIONS126
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
169
170
171
172
17�
174
175
176
177
178
179
180
181
182
Sep/02
Jul/04
May/18
Jul/04
Feb/2�
Oct/28
May/06
Sep/02
Sep/02
May/11
Jun/25
Feb/25
Mar/21
Apr/15
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Guardian General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Fire and General Insurance Company Limited
Guardian General Insurance Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Motor One Insurance Company Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Trinidad and Tobago Insurance Limited
Gerhard Akien Limited
Gervase Hannays t/a G.H. Insurance Services Limited
Glennrod Services Limited
Golden Future Investments Limited
Good Financial Services Limited
Gopee-Samlalsingh & Associates Limited
Gordon, Grant & Company Limited
Grandwheels Services Limited.
GRB Financial Services Limited.
Gregory E. Joseph t/a Quick Services Enterprises
GTM Insurance Company Limited
Guy Algernon Burton Ottley
H.H. Services Limited
Habil Mohammed t/a Habil Mohammed Agency
REPORT ON INSURANCE AND PENSIONS 127
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
169
170
171
172
17�
174
175
176
177
178
179
180
181
182
Sep/02
Jul/04
May/18
Jul/04
Feb/2�
Oct/28
May/06
Sep/02
Sep/02
May/11
Jun/25
Feb/25
Mar/21
Apr/15
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Guardian General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Fire and General Insurance Company Limited
Guardian General Insurance Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Motor One Insurance Company Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Trinidad and Tobago Insurance Limited
Gerhard Akien Limited
Gervase Hannays t/a G.H. Insurance Services Limited
Glennrod Services Limited
Golden Future Investments Limited
Good Financial Services Limited
Gopee-Samlalsingh & Associates Limited
Gordon, Grant & Company Limited
Grandwheels Services Limited.
GRB Financial Services Limited.
Gregory E. Joseph t/a Quick Services Enterprises
GTM Insurance Company Limited
Guy Algernon Burton Ottley
H.H. Services Limited
Habil Mohammed t/a Habil Mohammed Agency
APPENDIX B
REPORT ON INSURANCE AND PENSIONS128
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
18�
184
185
186
187
188
189
190
191
192
19�
194
195
196
Apr/22
Jul/21
Jan/14
Feb/14
Jan/14
Dec/22
Oct/11
Dec/15
Mar/08
Jan/14
Sep/01
Aug/05
Dec/08
Oct/14
Trinidad and Tobago Insurance Limited
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Maritime Life (Caribbean) Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Hamilson’s Insurance Services Limited
Hansa Marketing Limited
Harrinath Seeram t/a Viva Insurance Services
Harrypersad Babwah
Hayden Blackmann t/a H.H.B Consultants
Health & Wealth Management Consultants Limited.
Helen Ache t/a H. Ache Insurance Services
Hellascorp Limited
Herman O Creque & Company Limited
Hillcrest Investments Limited
Hugh Pollonais
I Will Finance Limited
Ian Stone t/a I.S. Insurance Consultant
Ignatius and Company Limited
LIST OF REGISTERED AGENTS
REPORT ON INSURANCE AND PENSIONS 129
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
197
198
199
200
201
202
20�
204
205
206
207
208
209
210
Nov/02
Nov/09
Nov/26
Apr/27
Dec/22
Jan/14
Oct/25
Feb/09
Mar/18
Jan/21
Apr/1�
Jan/�1
Feb/14
Oct/21
Motor & General Insurance Company Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Tatil Life Assurance Limited/ Trinidad and Tobago Insurance Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Indira Mohammed
Insurance & Financial Services Limited
Integritus Co. Limited.
Investor’s Paradise Financial Services Limited
J & C Agencies Limited.
J & L Financial & Counselling Services Limited
J. Gregory Farfan t/a J.G.F. Insurance Services
J.K.N. Financial Services Limited
J.Mohess & Company Limited
James Nathaniel Nimblett
Japs Insurance Services Limited
Jarod Joseph Perryman t/a Jarim Enterprises
Jeewan Birbal
Jemmot Manmohan t/a Jemmot Manmohan Insurance and Investments
APPENDIX B
REPORT ON INSURANCE AND PENSIONS1�0
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
211
212
21�
214
215
216
217
218
219
220
221
222
22�
224
Jul/16
Jun/21
May/11
Mar/21
Jan/28
Jul/04
Nov/02
Apr/�0
Mar/18
Dec/08
Apr/25
Sep/02
Dec/15
Feb/25
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Guardian General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Capital Insurance Limited
Tatil Life Assurance Limited
Trinidad and Tobago Insurance Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Jenkha Limited
Jennifer Gonzalez t/a Jennifer Gonzalez Insurance Services
Jennifer Lessey-Jordan t/a JLJ Consultant
Joan Carr t/a Joan Carr Insurance Services
Joel Martinez & Associates Limited.
John Andre Wood-Salomon t/a Andre’s Financial Management Services
Jonathan Decle t/a J.D. Insurance Services
Jones Motors Limited
Judy Weaver t/a J.V.W. Financial Services
Jury Mohammed t/a Mohammed Motor Insurance Agency
K.S.W. Financial Services Limited
Kalyaani Limited
Karlla Agencies Limited
Kedar Gajadharsingh t/a Gajadharsingh Insurance & Travel Services
LIST OF REGISTERED AGENTS
REPORT ON INSURANCE AND PENSIONS 1�1
APPENDIX B
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
225
226
227
228
229
2�0
2�1
2�2
2��
2�4
2�5
2�6
2�7
2�8
Jul/20
Jun/17
Sep/02
Sep/15
Dec/22
Mar/29
Jul/22
Aug/19
Jan/14
Sep/15
Jan/14
Jul/12
Oct/14
May/18
Maritime Life (Caribbean) Limited
Tatil Life Assurance Limited/ Trinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Capital Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
Anchorage General Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Guardian General Insurance Limited
Kee Investment Strategies Limited
Keith Charles Financial Services Limited
Keith’s Financial Services Limited
Kermit Khan t/a Khan’s Motor Insurance Agency
Kerry Peter Ramjag
Kevin Davis t/a K.Davis Consultants
Keystone Investments Limited.
Kirby Panchoo t/a E.R. Insurance Agency
Kirton Daniel t/a Quantum Financial Solutions
Krat Investments Limited
Krishna Ramgoolam t/a K.Ramgoolam Financial Services
L.F.M. Investments Limited
L.G.G. Investments Limited
L.J. Pollonais (1989) Limited
REPORT ON INSURANCE AND PENSIONS1�2
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
2�9
240
241
242
24�
244
245
246
247
248
249
250
251
252
Jan/0�
May/25
Jun/07
May/25
Jan/21
Nov/09
Jun/2�
Jan/�1
Jan/�1
Dec/28
Mar/29
Jul/29
Feb/25
Feb/09
American Life and General Insurance Company Trinidad Limited
Guardian Life of the Caribbean Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
Guardian Life of the Caribbean Limited
Colonial Fire and General Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Citizen Insurance Company Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited
L.J. Williams Limited
L.R. & J. Investments Limited
Lange Trinidad Limited
Lark Investment Limited
Lawrence Enterprises Limited
Lexcorp Company Limited
LG Consultancy & Associates Limited.
Logimex Group Limited
Lucky Robinson Insurance & Allied Services Limited
Lurson Financial & Investment Services Limited.
Lutchman Agencies Limited
Lynchris Financial Services Limited
M & G Enterprises Limited
M.S.B. Insurance Services Limited
REPORT ON INSURANCE AND PENSIONS 1��
APPENDIX B
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
25�
254
255
256
257
258
259
260
261
262
26�
264
265
266
Sep/02
May/18
Feb/14
Sep/02
Jan/14
Mar/18
Jan/14
Apr/11
Dec/08
Sep/20
May/18
Sep/17
Jul/08
Jan/14
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
The Great Northern Insurance Company Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
M.S.C.D. Investments Limited
M.U.C.H. Services Limited
Margaret Louise Griffith-Edwards
Marius Advisory Services Limited
Marjen Financial & Insurance Services Limited
Martel Investment Limited.
Martin M.V. Lashley t/a M.M.V.L. Financial Services
Maxim Investments Limited
Mazely Enterprises Limited
Melvic Incorporation Limited
Mervina Hosein
Michael Ibrahim Insurance and Investments Limited.
Michael Lawrence Insurance Services Limited
Michelle Prashad t/a M.A.P. Financial Services
REPORT ON INSURANCE AND PENSIONS1�4
LIST OF REGISTERED AGENTS
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
267
268
269
270
271
272
27�
274
275
276
277
278
279
280
Dec/05
Sep/17
Jul/04
Mar/21
Sep/15
Apr/27
Oct/14
Oct/22
Aug/19
Jul/04
Feb/14
Jan/14
Jul/19
May/25
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Colonial Fire and General Insurance Company Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
The Beacon Insurance Company Limited
The New India Assurance Company (T’dad & T’go) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian General Insurance Limited
Guardian General Insurance Limited
MPA Insurance Services Limited.
Myron Rudder t/a Myron Rudder Agency
N & Q Investments Limited
Naceri Limited
Naidu Powdhar t/a Naidu Powdhar Insurance Agency
Nare Insurance Agencies Limited
Nazia Ali-Azim
Nazir Mohammed Investments Limited
Nelson Wong Sang
New Creation Investment Limited
Nigel F. Hadley t/a Nigel F. Hadley Insurance Services
Nigel G. Salina & Associates
Nirveeta Agencies Limited
Noel Noel & Associates Limited
REPORT ON INSURANCE AND PENSIONS 1�5
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
281
282
28�
284
285
286
287
288
289
290
291
292
29�
294
Sep/01
Mar/15
Jul/04
May/18
Dec/28
Jun/12
Aug/0�
Oct/14
Nov/16
Mar/21
Jun/11
Jan/14
Mar/21
Feb/19
Maritime General Insurance Company Limited
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Trinidad and Tobago Insurance Limited
Guardian Life of the Caribbean Limited
Capital Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
GTM Insurance Company Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Trinidad and Tobago Insurance Limited
Northern Atlantic Insurance & Finance Company Limited
Oodles Financial Services Limited
Oswald Alexis Joseph
P.K. Management Services Limited
Padmawatee Maharaj-Despot t/a Soldado Insurance Agency
Palladium Financial Planning Services Limited.
Pamela Momen Rampersad
Paramount Investments Limited
Partap Seenath
Patricia James-Wilson t/a Semaj Consultancy Services
Paul Gerard Massiah t/a PGM Enterprises
Paul Gyan t/a Paul Gyan Insurance Services
Pauline De Souza t/a P.D. Insurance Services
Pegasus Financial Services Limited
APPENDIX B
REPORT ON INSURANCE AND PENSIONS1�6
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
295
296
297
298
299
�00
�01
�02
�0�
�04
�05
�06
�07
�08
Oct/14
Jul/19
Oct/14
Aug/26
Aug/0�
Oct/11
Apr/15
Jun/11
May/11
Aug/0�
Oct/25
Jul/26
Nov/21
Feb/25
Guardian Life of the Caribbean Limited
Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor General Insurance
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Maritime General Insurance Company Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
PGM Financial Services Limited
Pooled Producers Limited
Portfolio Serve Limited.
Pranesh Maharaj
Premdath Seegolam t/a V.I.P.S. Financial Services
Prime General Insurance Limited
Prince Primus Investment Limited
Prophet Financial Services Limited.
Q-Rator Financial Services Liamited
R & N Insurance Services Limited.
R & S Enterprises Limited
R.C.S.N. Investments Limited
R.G.F. Asset Management Limited
R.Ramkissoon Insurance Services Limited.
LIST OF REGISTERED AGENTS
REPORT ON INSURANCE AND PENSIONS 1�7
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
�09
�10
�11
�12
�1�
�14
�15
�16
�17
�18
�19
�20
�21
�22
Dec/08
Apr/11
Mar/18
Feb/2�
Feb/2�
Sep/02
Jan/�1
Aug/0�
Oct/14
Dec/28
Jul/04
Sep/02
Sep/�0
Feb/25
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Capital Insurance Limited
Maritime General Insurance Company Limited/ Maritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Gulf Insurance Limited
British American Insurance Company Trinidad Limited
Capital Insurance Limited
Maritime General Insurance Company Limited
Sagicor Life Incorporated
Guardian General Insurance Limited / Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Tatil Life Assurance Limited/ Trinidad and Tobago Insurance
Guardian Life of the Caribbean Limited
Rae Henry-Francis t/a Investment & Financial Planning Solutions
Rafael Mouttet t/a R.E.M. Financial Services
Rahamut & Company Limited
Ralico Insurance Services Limited
Ralph Coutain Insurance Services and Investments Limited
Ramanan Jaikaran
Ramkhelawan Financial and Insurance Services Limited
Ramlogan Associates Limited.
Randy Hosein Limited
Rasheed Ali t/a Rasheed Ali Insurance Services
RBTT Insurance Agency Limited
RDA Financial Services Limited
Recover Insurance Services Limited
Rhevol Insurance And Investment Services Limited.
APPENDIX B
REPORT ON INSURANCE AND PENSIONS1�8
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Jul/29
Mar/29
Apr/1�
Aug/0�
Nov/26
May/11
Mar/29
Mar/29
Jul/04
Jan/21
Jul/22
Oct/12
Feb/14
Jun/09
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Trinidad and Tobago Insurance Limited
Tatil Life Assurance Limited / Trinidad and Tobago Insurance Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
British American Insurance Company Trinidad Limited
Maritime Life (Caribbean) Limited
Guardian General Insurance Limited
Guardian Life of the Caribbean Limited
Riansel Financial Planning Services Limited.
Richard Daly t/a NRICH Enterprises
RIIB Financial Services Limited
Rishi Ramdeen t/a R.J.R. Investments and Insurance Services
Risk Protection Insurance Agencies Limited
RMB Financial Services Limited
Robard Insurance Services Limited
Ro-je Management and Investment Services Limited
Rolfe Ronald Albert Moyou t/a Moyou Investment and Insurance
Ronald Barlay t/a Ronbaris
Rondar Insurance Services Limited.
Roton Investments Limited
Royal Insurance Consultants Limited
RSDF Finance & Investments Limited.
LIST OF REGISTERED AGENTS
�2�
�24
�25
�26
�27
�28
�29
��0
��1
��2
���
��4
��5
��6
REPORT ON INSURANCE AND PENSIONS 1�9
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
��7
��8
��9
�40
�41
�42
�4�
�44
�45
�46
�47
�48
�49
�50
Dec/0�
Jun/07
Mar/08
Oct/22
Sep/02
Mar/18
Jul/29
Jul/04
Mar/29
Mar/21
Jul/22
Feb/25
Jul/08
Jan/�1
Guardian Life of the Caribbean Limited
Guardian General Insurance Limited
Tatil Life Assurance Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Tatil Life Assurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Mega Insurance Company Limited
Trinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor General Insurance
Tatil Life Assurance Limited / Trinidad and Tobago Insurance Limited
Rudy Gaskin Insurance, Investments & Financial Services Limited.
Rupert Clovis Insurance Agency Limited
Russell Bhola Insurance Services Limited
Ruth Frazer-Munroe
Rybre Services Limited
S & R Insurance And Advisory Service Limited.
S & S Insurance & Associated Services Limited
S. Deonarine Insurance Services Limited
S.D.R. Nandlal Advisory Services Limited
S.M.H. Services Limited
S.O.S. Agencies Limited.
S.W. Financial Services Limited.
Sagicor Life Incorporated
Saving Security Investment Limited
APPENDIX B
REPORT ON INSURANCE AND PENSIONS140
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Nov/10
Aug/�0
Oct/�1
Mar/0�
Jun/07
Apr/1�
May/18
Jan/29
Jan/10
Oct/21
May/11May/11
Aug/02
Nov/02
Jul/08
Capital Insurance Limited
Guardian General Insurance Limited
Trinidad and Tobago Insurance Limited
Guardian Life of the Caribbean Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Export Import Bank of Trinidad and Tobago
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
Maritime General Insurance Company LimitedMaritime Life (Caribbean) Limited
Sagicor Life Incorporated
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Security Motor Insurance Agencies Limited
Seepersad Agencies Limited
Selona Gransam
Selverondm Limited
Shawn Crooks t/a Shawn Crooks Consultancy Services
Stafford Yorke Financial Services Limited
Stanley Hospedales
Stokely Regis Insurance Services Limited
Sumar Consultants Limited.
Supreme Concepts & Solutions Limited
Swar-raj Marketing Company Limited Sydsons Services Limited
T C & F Services Limited
Tai Chew Investment Services Limited.
LIST OF REGISTERED AGENTS
�51
�52
�5�
�54
�55
�56
�57
�58
�59
�60
�61
�62
�6�
�64
REPORT ON INSURANCE AND PENSIONS 141
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
�65
�66
�67
�68
�69
�70
�71
�72
�7�
�74
�75
�76
�77
�78
Aug/02
Mar/18
Aug/05
Mar/18
Mar/18
Jan/21
Sep/0�
Sep/01
Mar/21
Jun/07
Sep/02
Sep/02
Sep/02
Jul/04
Jun/10
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime Life (Caribbean) Limited
Cuna Caribbean Insurance Limited
Guardian General Insurance Limited
American Life and General Insurance Company Trinidad Limited
American Life and General Insurance Company Trinidad Limited
American Life and General Insurance Company Trinidad Limited
Tatil Life Assurance Limited
American Life and General Insurance Company Trinidad Limited
Trinidad and Tobago Insurance Limited
Maritime General Insurance Company Limited / Maritime Life (Caribbean) Limited
Colonial Fire and General Insurance Company Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian Life of the Caribbean Limited
Taji Financial Services Limited
Tando Limited
Teague’s Inc. Limited
TECU Credit Union Co-operative Society Limited
Telly Paul Accident & Health Insurance Services Limited.
Telly Paul General Insurance Services Limited
Telly Paul Insurance & Financial Services Limited
Terence Gopaul Insurance Consultants Limited
The New Edition Insurance Services Limited
The Presidential Insurance Company Limited
Thecla Enterprises Limited
Thomas and Sons Limited
Thomas Nancoo
Thomas Sosa-Wanguemert
APPENDIX B
REPORT ON INSURANCE AND PENSIONS142
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Oct/10
Mar/29
May/18
May/25
Mar/08Dec/28
Aug/0�
Feb/02
Jul/26Jul/26
Aug/0�
Sep/09
Jan/22
Apr/1�
Jan/0�
Nov/18
Sagicor Life Incorporated
Citizen Insurance Company Limited
Maritime General Insurance Company LimitedMaritime Life (Caribbean) Limited
Sagicor Life Incorporated
Maritime General Insurance Company LimitedMaritime Life (Caribbean) Limited
Colonial Life Insurance Company (Trinidad) Limited
Colonial Life Insurance Company (Trinidad) Limited
Maritime General Insurance Company LimitedMaritime Life (Caribbean) Limited
Maritime General Insurance Company Limited
Sagicor Life Incorporated
Trinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Sagicor Life Incorporated
Colonial Life Insurance Company (Trinidad) Limited
Thomas Wood t/a Nitim Insurance Services
Three Palms Services Limited
TIMCO Insurance Services Limited
Tobias & Tobias Insurance Services Limited
Tommy Elias Insurance Services Limited. Total Insurance Services Limited
Towheed Ali
Trevor Rex Baddaloo Enterprises Limited Trinidad Financial Management Services Limited
Trinidad Insurance Centre Limited
Trinmesh Limited
U4RIA Investments And Services Limited
Usuff Abraham t/a U.M.A. Insurance Services
V & A Services Limited.
LIST OF REGISTERED AGENTS
�79
�80
�81
�82
�8�
�84
�85
�86
�87
�88
�89
�90
�91
�92
REPORT ON INSURANCE AND PENSIONS 14�
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
�9�
�94
�95
�96
�97
�98
�99
400
401
402
40�
404
405
406
Jan/21
Jan/05
Feb/09
Dec/0�
Feb/2�
Nov/29
Jul/04
Dec/28
Oct/11
Sep/02
Mar/29
Jul/04
Jan/10
Dec/08
V.H. Investments Limited
Varona Usha Polat t/a Kushal Agencies
Vasantie Singh t/a Premier Insurance Services Limited
Vashti Balgaroo
Veda Consultants Limited
Vera Ali
Vergo Enterprises Limited
Vernon Fingal Financial Services Company Limited
W & H Tire Supplies Limited
W. Lezama Insurance and Investment Services Limited
Wajeeda Bissoondath
Wallum Insurance Services Limited
Wayne Decle t/a Decle Insurance Services
Wayne Mohammed t/a Waymo Financial Services
APPENDIX B
Guardian Life of the Caribbean Limited
The New India Assurance Company (T’dad & T’go) Limited
The New India Assurance Company (T’dad & T’go) Limited
Motor One Insurance Company Limited
The New India Assurance Company (T’dad & T’go) Limited
Guardian Life of the Caribbean Limited
Motor & General Insurance Company Limited
Guardian Life of the Caribbean Limited
Trinidad and Tobago Insurance Limited
Colonial Life Insurance Company (Trinidad) Limited
Guardian General Insurance Limited
GTM Insurance Company LimitedMotor One Insurance Company Limited
Sagicor Life Incorporated
Sagicor Life Incorporated
REPORT ON INSURANCE AND PENSIONS144
LIST OF AGENTS REGISTERED UNDER THE INSURANCE ACT, CHAP. 84:01AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
AGENT ANNIVERSARYDATE
(MONTH/DAY)
AGENTFOR/COMPANY
Feb/09
Dec/08
Aug/19
Dec/08
Jan/14
Dec/28
Mar/08Mar/08
Aug/19
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Sagicor Life Incorporated
Guardian Life of the Caribbean Limited
Guardian Life of the Caribbean Limited
Maritime General Insurance Company LimitedMaritime Life (Caribbean) Limited
Trinidad and Tobago Insurance Limited
Whedeck Insurance & Financial Services Limited
Whibco Associates Limited
William Rodriguez
William St. Aubyn t/a St. Aubyn Insurance Services
Winston Archer
Z.N. Mathura Investments Limited.
Zahaida Ali Insurance Services 1991 Limited. Zenobia Baksh
LIST OF REGISTERED AGENTS
407
408
409
410
411
412
41�
414
REPORT ON INSURANCE AND PENSIONS 145
APPENDIX C
LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
BROKER ANNIVERSARYDATE
1 21st Century Insurance and Reinsurance Brokers 7/1�
2 �K’s Services Limited �/18
� Ace Insurance Brokers Limited �/24
4 Agostini Insurance Brokers Limited 12/28
5 Amalgamated Insurance Brokers 5/1�
6 Amrib Insurance Services 1/4
7 Anthony David Farah �/�1
8 Anthony Nigel Vere Slinger 10/11
9 Aon Energy Caribbean Limited 12/20
10 Blaine Hosang 2/25
11 Brian Lewis t/a Legacy Financial 4/1�
12 Camacho De Bruin Insurance Brokers Limited 10/25
1� Charlett & Gatcliffe Limited 1/4
14 Christian W. Low �/4
15 Comprehensive Insurance Brokers Limited 2/28
16 Consolidated Insurance Consultants Limited 1/18
17 Craig Millar �/27
18 Darryl Ramsundar 12/1
19 Dave Patterson 11/�0
20 Dereck Soobransingh 7/29
REPORT ON INSURANCE AND PENSIONS146
LIST OF REGISTERED BROKERS
LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
BROKER ANNIVERSARYDATE
21 Derek De Silva �/2�
22 Dexter Ragoonanan 5/18
2� E.P. Insurance Services Limited 7/1
24 Emerald Insurance Services Limited 5/18
25 Erickson Ramkhelawan 12/�
26 Errol Sooknanan 7/1
27 Farah Insurance Brokers Limited �/�1
28 Fazal Imtiaz Ali 7/12
29 Fidelity Insurance Brokers (Fazal Ali) 7/12
�0 Garvin Anslem Manzano 10/19
�1 Global Financial Brokers Limited 8/20
�2 Gregory De Montrichard �/18
�� Guerero and Hubert Company Limited 12/10
�4 Hardath General Insurance Consultants Limited 12/7
�5 Hardeo Hardath 12/7
�6 Insurance & Allied Services Limited 12/29
�7 Insurance Brokers West Indies Limited 2/1
�8 Insurance Managers Limited 9/27
�9 Irma Bishop 1/4
40 Janice Roberts 1/18
REPORT ON INSURANCE AND PENSIONS 147
LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
BROKER ANNIVERSARYDATE
41 Jerry R. Narace 9/27
42 L & L Insurance Services Limited 9/16
4� Lanson Julien 11/�0
44 Lou-Anna Ferreira-Patterson 12/20
45 Luciano Woodley 9/16
46 M&M Insurance Services Limited 2/25
47 Mailbrol Insurance Brokers Limited 1/18
48 Merchants & General Insurance & Reinsurance Brokers (W.I.) Limited 4/18
49 Michael Redhead t/a Pensurance Brokers 11/2
50 Millar Insurance Brokers Limited �/27
51 Millenium Insurance Brokers Limited 11/�0
52 Nautilus Insurance Brokers Limited 8/10
5� Nazreen Deosingh �/18
54 Neil Colin Gosine 7/�1
55 Nizam Mohammed �/24
56 Norman Gabriel Limited 12/2�
57 Norman Gabriel 12/2�
58 Omah Seetahal 12/29
59 Pan West Indian Insurance Brokers Limited 5/�
60 Personalised Insurance Brokers & Reinsurance Limited 12/�
APPENDIX C
REPORT ON INSURANCE AND PENSIONS148
LIST OF REGISTERED BROKERS
LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
BROKER ANNIVERSARYDATE
61 Peter Gifford Charlett 1/4
62 Peter Malcolm George Farah 12/28
6� Prakash H. Bhagan 2/1
64 PRFC Limited 12/28
65 Ramnarine Maharaj 5/1�
66 Ravi Surjan 5/�
67 Richard Ramdwar 8/10
68 Risk Management Services Limited �/4
69 Risk Research Limited �/18
70 Robert Gordon Charlett 1/4
71 Robert Lazzari 12/28
72 Romano Martin 12/10
7� Sandra Chin Yuen Kee 8/20
74 Satchan Ramsaran 7/14
75 SDS Insurance Brokers Limited 7/29
76 Solomon Austin Elder t/a Sasre Financial Services Limited. 7/9
77 Specialists Insurance Brokers Limited 4/27
78 Stephen Castagne 2/25
79 Sterling Insurance Services Limited 7/8
80 Surujdeo Mangaroo �/14
81 Trinidad & Tobago Insurance Consultants Limited 10/11
REPORT ON INSURANCE AND PENSIONS 149
LIST OF BROKERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES.
BROKER ANNIVERSARYDATE
APPENDIX C
82 Trinity Insurance Brokers Limited �/14
8� Walter E. DeBruin 10/25
84 Wayne Gosine 7/1�
85 Winston Siriram 7/8
REPORT ON INSURANCE AND PENSIONS150
APPENDIX D
LIST OF ADJUSTERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES
ADjUSTER ANNIVERSARYDATE
1 Bertrand Doyle 1/�
2 Ganesh Rampersad 1/�
� Raphael’s Investigators, Adjusters & Realtors Limited 1/25
4 Factfinders Business Investigators Limited 1/29
5 Insurance Investigators Services Limited 2/25
6 Axis (Eastern Caribbean) Limited �/17
7 Glen Mohammed �/2�
8 Nebert Marin trading as Survival Management Trinidad �/24
9 Arman Adjusting Services Limited 5/12
10 Pioneer Insurance Claims Services Company Limited 5/1�
11 Adam Sanguinette Claim Consultants 5/24
12 Cariclaims Investigators & Adjusters Limited 7/1
1� Commonwealth Claims Consultant Limited 7/10
14 Jacob Jules trading as Jules Investigators & Adjusters Services 7/18
15 General Adjusters Limited 8/27
16 Liver Rosemin & Company Limited 8/�0
17 Clevon Singh trading as Reliance Adjusters & Investigators 9/7
18 Accord Adjusting Company Limited 9/9
REPORT ON INSURANCE AND PENSIONS 151
LIST OF ADJUSTERS REGISTERED UNDER THE INSURANCE ACT CHAP. 84:01 AS AT �1ST DECEMBER 2005 AND THEIR ANNIVERSARY DATES
ADjUSTER ANNIVERSARYDATE
19 Mc Larens Young International (T&T) Limited 9/17
20 Peter Bowman 10/18
21 Ezekiel Joseph 11/2�
22 International Business Investigators Services Limited 12/2
2� Twin-Isle Adjusters Limited 12/28
24 Orion Adjusters Limited 12/�1
APPENDIX D
REPORT ON INSURANCE AND PENSIONS152
LISTOFPENSIONPLANSREGISTEREDASAT31STDECEMBER2005SELF-ADMINISTEREDPENSIONFUNDPLANS
1. Agostini Insurance Brokers Limited Pension Fund Plan
2. Agostini’s Limited Retirement Plan
� Airports Authority of Trinidad and Tobago Pension Fund
4. Ansa Mc Al Limited Pension Fund Plan
5. Associated Brands Limited Group Pension Fund Plan
6. Atlantic LNG Pension Plan
7 Bank of Commerce Trinidad and Tobago Limited Retirement Plan
8. Bawodes Limited Pension Fund Plan
9. Berger Paints Trinidad Limited Pension Plan (Monthly Paid Employees)
10. BPTT LLC Pension Plan
11. British American Insurance Company (Trinidad) Limited Pension Fund Plan
12. British Gas Trinidad Limited Pension Plan
1�. B.W.I.A. Pilots Pension Fund Plan
14. Caribbean Industrial Research Institute Pension Plan
15. Caribbean Ispat Employees Pension Fund Plan
16. Central Bank of Trinidad and Tobago Pension Fund Plan
17. Citibank (Trinidad and Tobago) Limited Pension Fund Plan
18. Coca Cola Bottling (Trinidad and Tobago) Limited Pension Fund Plan
19. Consolidated Insurance Consultants Limited Staff Pension Fund Plan
20. Coopers and Lybrand Pension Fund Plan
21. Courts (Trinidad) Limited Pension Fund Plan
APPENDIX E
REPORT ON INSURANCE AND PENSIONS 15�
APPENDIX E
LISTOFPENSIONPLANSREGISTEREDASAT31STDECEMBER2005SELF-ADMINISTEREDPENSIONFUNDPLANS
22. Cuna Caribbean Insurance Society Limited Pension Fund Plan
2�. Development Finance Limited Pension Plan
24. EOG Resources Trinidad Limited Pension Fund Plan
25. E&Y Services Limited Pension Scheme
26. Ferreira Optical Limited Pension Fund Plan
27. First Citizen Bank Pension Plan
28. Guyana and Trinidad Mutual Fire Insurance Company Limited Pension Plan
29. Hand Arnold (Trinidad) Limited Employees Pension Scheme
�0. H.S. Services Limited Pension Fund Plan
�1. Hydro Agri Trinidad Limited Hourly Paid Employees Pension Scheme
�2. Hydro Agri Trinidad Limited Salaried Employees Pension Plan
��. Industrial Agencies Limited Pension Fund Plan
�4. IBM Retirement Plan
�5. Lever Brothers (West Indies) Limited Pension Plan
�6. Mandev-Qualassure Pension Fund Plan
�7. Mega Insurance Company Limited Pension Plan
�8. MTS Pension FundPlan
�9. National Gas Company Pension Fund Plan
40. National Insurance Board Pension Fund Plan
41. National Insurance Property Development Company Limited Pension Fund Plan
REPORT ON INSURANCE AND PENSIONS154
LISTOFPENSIONPLANSREGISTEREDASAT31STDECEMBER2005SELF-ADMINISTEREDPENSIONFUNDPLANS
42 National Union of Government and Federated Workers Pension Fund Plan - Elected Officers
4�. National Union of Government and Federated Workers Staff Pension Fund Plan
44. Neal and Massy Group Pension Plan
45. Nestle Trinidad and Tobago Limited Pension Fund Plan
46. Nestle Trinidad and Tobago Limited Unionised Employees’ Pension Plan
47. Niherst Pension Fund Plan
48 PCS Nitrogen Trinidad Limited Pension Fund Plan 1 (formerly Arcadian Trinidad )
49. PCS Nitrogen Trinidad Limited Pension Fund Plan 2 (formerly Trinidad and Tobago Urea)
50. Pheonix Park Gas Processors Limited Pension Plan
51 Point Lisas Industrial Development Corporation Pension Fund Plan
52. Port Authority of Trinidad and Tobago Pension Plan (Daily and Weekly)
5�. Port Authority of Trinidad and Tobago Pension Plan (Monthly)
54. Price WaterhouseCoopers Limited Pension Plan
55. RBTT Pension Plan
56. Regional Health Authority Pension Plan
57. Republic Bank of Trinidad and Tobago Limited Pension Plan
58. Scotiabank Trinidad and Tobago Limited Pension Fund Plan
59. Servol Limited Pension Fund Plan
LIST OF REGISTERED PENSION PLANS
REPORT ON INSURANCE AND PENSIONS 155
APPENDIX E
LISTOFPENSIONPLANSREGISTEREDASAT31STDECEMBER2005SELF-ADMINISTEREDPENSIONFUNDPLANS
60. Telecommunications Services of Trinidad and Tobago Limited Pension Fund Plan
61. Texaco Trinidad Limited Staff Retirement Plan
62. The Demerara Life Assurance Company of Trinidad and Tobago Limited Sales Staff Pension Plan
6�. The Home Mortgage Bank Pension Fund Plan
64. The Mercantile Banking and Finance Corporation Limited Pension Fund Plan
65. Thomas Peake and Company Limited Pension Plan
66. Trinidad Building and Loan Association Pension Fund Plan
67. Trinidad Cement Limited Employees Pension Fund Plan
68. Trinidad Hilton Limited Pension Fund Plan
69. Trinidad and Tobago Electricity Commission Pension Fund Plan
70. Trinidad and Tobago Electricity Commission Provident Fund
71. Trinidad and Tobago External Telecommunications Company Limited Pension Fund Plan
72. Trinidad and Tobago Methanol Company Limited Pension Fund Plan
7�. Trinidad and Tobago National Petroleum Marketing Company Limited Contributory Pension Plan I
74. Trinidad and Tobago National Petroleum Marketing Company Limited Contributory Pension Plan II
75. Trinidad and Tobago Oil Company Limited Contributory Pension Fund “A”
76. Trinidad and Tobago Oil Company Limited Contributory Pension Fund “B”
REPORT ON INSURANCE AND PENSIONS156
LISTOFPENSIONPLANSREGISTEREDASAT31STDECEMBER2005SELF-ADMINISTEREDPENSIONFUNDPLANS
LIST OF REGISTERED PENSION PLANS
77. The Trinidad and Tobago Oil Company Limited Non- Contributory Pension Fund
78. Trinidad and Tobago Oil Company Limited Employees’ Benefit Plan
79. Trinidad and Tobago Oil Company Limited Staff Retirement Plan
80. Trinidad and Tobago Petroleum Company Limited Employees Pension Fund Plan
81. Trinidad and Tobago Petroleum Company Limited Staff
Pension Fund Plan
82. Trinidad and Tobago Port Contractors Limited Pension Fund Plan
8�. Trinidad and Tobago Telephone Company Limited Staff Pension Fund Plan
84. Trinidad and Tobago Unit Trust Corporation Pension Fund Plan
85. Trinmar Limited Employees Benefit Plan
86. Trintoplan Consultants Limited Staff Pension Plan
87. T. Geddes Grant Limited Pension Fund Plan
88. T. Geddes Grant (Trinidad) Staff Savings and Pension Fund Plan
89. Water and Sewerage Authority Pension Plan
90. West Indian Tobacco Company Pension Plan
91. Y. De Lima & Company Limited Staff Pension Fund Plan
REPORT ON INSURANCE AND PENSIONS 157
INSURED PENSION FUND PLANS
1. Albrosco Limited Staff Pension Plan
2. All Trinidad Sugar and General Workers Trade Union Staff Pension Fund Plan
�. Alstons Limited Pension Fund Plan
4. Anthony N. Sabga Limited Pension Fund Plan
5 Angostura Bitters (Dr. J. G. B. Siegert & Sons) Limited Pension Fund Plan
6. Armour’s Funeral Homes Limited Pension Fund Plan
7. ASA Wright Nature Centre Pension Fund Plan
8. Barbados Mutual Life Assurance Society Employees Pension Plan
9. Bel Air International Airport Hotel Limited Pension Plan
10. Berger Paints Trinidad Limited Pension Fund Plan for Weekly-Paid Employees
11. Bermudez Biscuit Company Limited Pension Plan
12. British High Commission Pension Fund
1�. Bristol Myers (West Indies) Limited Pension Fund Plan
14. BWIA General Staff Pension Plan
15. Caribbean Bulk Storage and Trading Company Limited Pension Fund Plan
16. Caribbean Packaging Industries Limited Fund Pension Plan for Senior Staff Employees
17. Caribbean Packaging Industries Limited Pension Fund Plan for Junior Staff Employees
18. CBP Limited Pension Plan
19. Century Eslon Limited Pension Plan
20. Clark & Battoo Limited Pension Plan
APPENDIX E
REPORT ON INSURANCE AND PENSIONS158
INSURED PENSION FUND PLANS (continued)
LIST OF REGISTERED PENSION PLANS
21. Clico Investment Bank Limited Staff Pension Fund Plan
22. C.M.B. Packaging Trinidad Limited Pension Fund Plan
2�. Coates Brothers (Caribbean) Limited Pension Plan
24. Colonial Fire and General Insurance Company Limited Pension Plan
25. Colonial Life Insurance Company (Trinidad) Limited Staff Pension Plan
26. Diego Martin Credit Union Co-operative Society Limited Staff Pension Fund Plan
27 Eric Solis Marketing Limited Staff Pension Plan
28. F.T.Farfan and Sons Limited Pension Plan
29. Furness Trinidad Limited Pension Fund Plan
�0. Fujitsu ICL Caribbean Trinidad Limited (formerly International Computers Limited) Pension Fund Plan
�1. Grace Kennedy (Trinidad and Tobago) Limited Pension Fund Plan
�2. Group Pension Plan for the Managerial Employees of American Life and General Insurance Company (Trinidad) Limited
��. Group Pension Plan for the Non-Managerial Employees of American Life and General Insurance Company (Trinidad) Limited
�4. Gulf Engineering Services Limited Pension Fund Plan
�5. Gulf Insurance Limited Pension Fund Plan
�6. Halliburton Trinidad Limited Pension Plan
�7. Home Construction Limited Staff Pension Fund Plan
�8. Inglefield/Ogilvy Mather Pension Fund Plan
REPORT ON INSURANCE AND PENSIONS 159
INSURED PENSION FUND PLANS (continued)
APPENDIX E
�9. Insurance Brokers West Indies Limited Pension Fund Plan
40. J. N. Harriman & Company Limited Pension Plan
41. Johnson and Johnson (Trinidad) Limited Staff Pension Plan
42. Joseph Charles Bottling Works and Investments Limited Pension Fund Plan
4�. J.T.A. Supermarkets Limited Pension Fund Plan
44. Junior Schools Limited Pension Fund Plan
45. Lake Asphalt of Trinidad and Tobago (1978) Limited (Monthly) Pension Plan
46. Lake Asphalt of Trinidad and Tobago (1978) Limited Employees (Weekly) Pension Plan
47. Lange Trinidad Limited Pension Fund Plan
48. Lazzari and Sampson Limited Pension Plan
49 Life of Barbados Limited Pension Plan
50. L. J. Williams Limited Pension Fund Plan
51. Lonsdale/Saatchi & Saatchi Advertising Limited Staff Pension Plan
52. Maritime Life (Caribbean) Limited Pension Fund Plan
5�. Master Mix of Trinidad & Tobago Limited Staff Pension Fund Plan
54. Mc Cann-Erickson (Trinidad) Limited Pension Fund Plan
55. Medianet Limited Monthly Paid Staff Pension Plan
56. �M Interamerica Inc. Trinidad and Tobago Division Pension Fund Plan
57. National Agro Chemicals Limited Pension Fund Plan
REPORT ON INSURANCE AND PENSIONS160
INSURED PENSION FUND PLANS (continued)
LIST OF REGISTERED PENSION PLANS
58. National Flour Mills Limited Pension Fund Plan for Employees of the Company
59. National Helicopter Services Limited Pension Fund Plan
60. Navarro’s Shipping Limited Pension Plan
61. N.E.M. (West Indies) Limited Pension Fund Plan
62. Oilfields Workers Trade Union Staff Pension Fund Plan
6�. Pepsi –Cola Trinidad Bottling Company Limited. Pension Plan
64. Perreira & Company Limited Staff Pension Fund Plan
65. Prestige Holdings Limited Pension Fund Plan
66. Print - A - Pak Limited Pension Plan
67. R. B. P. Elevator and Escalator Limited Pension Plan
68. Rentokil (Trinidad) Limited Pension Fund Plan
69. Rhand Credit Union Co-operative Society Limited Pension Plan
70. Royal Caribbean Insurance Company Limited Group Pension Fund Plan
71. Sealand Service Inc. Pension Plan
72. Selco Limited Pension Fund Plan
7�. Stellar Distributors (Trinidad) Staff Pension Plan
74. Small Business Development Company Limited Staff Pension Fund Plan
75. Southern Medical Clinic Limited Pension Fund Plan
76. Southern Sales and Services Company Limited Pension Plan
77. TECU Credit Union Co-operative Society Limited Pension Fund Plan
78. Tatil Life Sales Representatives Pension Plan
REPORT ON INSURANCE AND PENSIONS 161
INSURED PENSION FUND PLANS (continued)
APPENDIX E
79. The Agents of American Life and General Insurance Company (Trinidad) Limited Pension Scheme
80. The Beacon Insurance Company Limited Pension Plan for Monthly and Weekly Paid Employees
81. The Group Pension Plan for the Non-Professional Employees of Fitzstone Limited.
82. The Institute of Marine Affairs Pension Plan
8�. The Myerson Tooth Company Limited Pension Fund Plan
84. The Synod of the Presbyterian Church in Trinidad Pension Plan
85. The Trinidad Pilots and Berthing Masters Association Limited Pension Fund Plan
86. The University of the West Indies (St. Augustine) Staff Pension Fund Plan
87. Tourism and Industrial Development Company of Trinidad And Tobago Pension Plan
88. Toyota Trinidad and Tobago Staff Pension Plan
89. Trinidad Concrete Products Company Limited Pension Fund Plan
90. Trinidad Contractors Limited Pension Plan
91. Trinidad Express Newspapers Limited Pension Plan
92. Trinidad Nitrogen Company Limited Staff Pension Fund Plan
9�. Trinidad Ropeworks Limited Retirement Plan
94. Trinidad Systems Limited Pension Fund Plan
95. Trinidad and Tobago Chamber of Commerce Pension Plan
96. Trinidad and Tobago Forest Products Limited Staff Pension Fund Plan
REPORT ON INSURANCE AND PENSIONS162
INSURED PENSION FUND PLANS (continued)
LIST OF REGISTERED PENSION PLANS
97. Trinidad and Tobago Mortgage Finance Company Limited Pension Plan
98. Trinidad and Tobago Solid Waste Management Company Limited Pension Fund Plan
99. United States of America Embassy in Trinidad and Tobago Pension Fund Plan
100. Waste Disposals Limited Pension Fund Plan
101. Western Scientific Company Pension Plan
102. William H. Scott Limited Pension Fund Plan
10�. Youth Training Employment Partnership Programme Pension Plan
REPORT ON INSURANCE AND PENSIONS 16�
ANNUITIES
APPENDIX E
1. A.S. Bryden and Sons (Trinidad) Limited Pension Fund Plan
2. Baroid Trinidad Services Limited Staff Pension Fund Plan
�. Coconut Growers Association Pension Fund Plan
4. Laughlin and De Gannes and its Associated Companies Staff Pension Fund Plan
5. Penta Paints (Caribbean) Limited Pension Plan
6. The Incorporated Trustees of the Anglican Church in the Diocese of Trinidad and Tobago Pension Plan
WINDING UP PENSION FUND PLANS
1. Aviation Services Trinidad and Tobago Limited Pension Fund Plan
2. Associated Battery and Metal Industries Trinidad Limited Pension Fund Plan
�. B.H.Rose Limited Pension Fund Plan
4. Bottlers Limited Pension Fund Plan
5. British Airways Staff Pension Plan
6. C. Lloyd Trestrail & Company Limited Pension Plan
7. Cliffs and Associates Limited Pension Plan
8. CTC Electronics Limited Pension Plan
9. Caroni (1975) Limited Employees Pension Plan
10. Caroni (1975) Limited Daily Paid Employees Contributory Pension Plan
11. Caroni (1967) Limited Pension Plan
REPORT ON INSURANCE AND PENSIONS164
LIST OF REGISTERED PENSION PLANS
WINDING UP PENSION FUND PLANS
12. Colgate Palmolive (Caribbean) Inc. Pension Fund Plan
1�. Colonial Life Insurance Company (Trinidad) Limited Agents Pension Plan
14. Corbin Compton Limited Staff Pension Plan
15. Crown Life Caribbean Limited Employees Pension Fund Plan
16. Employers Consultative Association Pension Fund Plan
17. Electrotec Services Limited Pension Fund Plan
18. F.W. Woolworth Limited Pension Fund Plan
19. George Wimpey Caribbean Limited Pension Plan
20. General Building and Loan Association Staff Pension Fund Plan
21. Goellnicht and Stollmeyer (Marketing) Limited Pension Fund Plan
22. Gordon Grant Staff Pension Plan
2�. Guardian Life of the Caribbean Limited Pension Fund Plan
24. Industrial Development Corporation Pension Plan
25. Insurance Consultants Limited. (Antilles Insurance Limited)
26. International Loss Adjusters Limited Pension Plan
27. KLM (Trinidad and Tobago) Pension Fund Plan
28. Label House Limited Staff Pension Plan
29. Metal Industries Company Pension Plan
�0. National Broadcasting Services of Trinidad and Tobago Pension Fund Plan
�1. Nationwide Staff “A” Pension Plan
�2. Nationwide Staff “B” Pension Plan
REPORT ON INSURANCE AND PENSIONS 165
APPENDIX E
WINDING UP PENSION FUND PLANS
��. Nationwide Staff “C” Pension Plan
�4. Orange Grove National Company Limited Pension Fund Plan
�5. Premier Consolidated Oilfields Limited Pension Plan
�6. Rediffusion (Trinidad) Limited Pension Plan
�7. Reinsurance Company of Trinidad and Tobago Limited Pension Fund Plan
�8. Santana Services Limited Pension Fund Plan
�9. Sissons Paints Limited Staff Pension Fund Plan
40. Smith International Inc. Pension Fund Plan
41. Stephen and Ross Limited Pension Fund Plan
42. Super Chem Pension Fund Plan
4�. Sherwin Williams (Caribbean) N.V. Pension Plan
44. The National Commercial Bank of Trinidad and Tobago Pension Plan
45. The Shipping Corporation of Trinidad and Tobago Limited Pension Fund Plan
46. Trinidad Broadcasting Company Limited Pension Fund Plan
47. Trinidad and Tobago Oil Company Limited Provident Fund
48 Trinidad and Tobago Television Company Limited Pension Fund Plan
49. Trinidad Shipping Company Limited Pension Fund Plan
50. Trinidad Textile Manufacturing Company Limited Pension Fund Plan
51. Trinidad and Tobago Export Development Corporation Pension Fund Plan
REPORT ON INSURANCE AND PENSIONS166
LIST OF REGISTERED PENSION PLANS
52. Trinidad and Tobago Printing and Packaging Company Pension Fund
5�. Van Leer Containers Trinidad Limited Pension Fund Plan
54. Victoria Nursing Home Pension Fund Plan
55. Workers Bank of Trinidad and Tobago Limited Pension Fund Plan
WINDING UP PENSION FUND PLANS
1. West Indian National Insurance Company Pension Fund Plan
JUDICIAL MANAGEMENT
REPORT ON INSURANCE AND PENSIONS 167
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REPORT ON INSURANCE AND PENSIONS168
TABL
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SURA
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COM
PAN
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REPORT ON INSURANCE AND PENSIONS 169
TABL
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PEC
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REPORT ON INSURANCE AND PENSIONS170
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F IN
DU
STRI
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LIFE
INSU
RAN
CE -
2005
INCO
ME
TABL
E III
1. 2. �. 4.
LOCA
L
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$$
�,5
0�,4
50 - -
�,5
0�,4
50
- - - -
182
,121
-
28,
767
210
,888
258
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258
,928
1. 2. �. 4.
- - - -
- - - -
258
,928
- -
258
,928
- - - -
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85,4
01 -
28,
767
�,8
14,1
68
(159
,098
) - -
(159
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)
- - - -
447
,264
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447
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2,2
21 - -
2,2
21
15,
186 - -
15,
186
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495 -
22,
775
62,
270
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5,9
92
(641
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)
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01 -
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767
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- - -
466
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�,5
59,�
47 - -
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59,�
47
$$
$
EXPE
ND
ITU
RE
REPORT ON INSURANCE AND PENSIONS 171
TABL
ES REVE
NU
E AC
COU
NT
IN R
ESPE
CT
OF
NO
N-C
AN
CELL
ABL
E, S
ICKN
ESS
AN
D A
CCID
ENT
INSU
RAN
CE -
2005
INCO
ME
TABL
E IV
1. 2. �.
LOC
AL
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T&
T) L
td.
Briti
sh-A
mer
ican
Insu
ranc
e Co
mpa
ny
(Trin
idad
) Ltd
.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
TOTA
L
COM
PAN
IES
COM
PAN
IES
FUN
DS
AT T
HE
BEG
INN
ING
O
F TH
E YE
AR
PREM
IUM
STO
TAL
PREM
IUM
SCO
MM
ISSI
ON
RECE
IVED
NET
INTE
REST
OTH
ER
OTH
ERSI
NG
LE
$$
$$
$$
$$
1,7
86,0
52
40,
818 -
1,82
6,87
0
- - - -
120
,446
5,7
01 -
126
,147
5,5
26,4
65
8�,
01�
5,2
7�,0
16
10,
882,
494.
5,5
26,4
65
8�,
01�
5,2
7�,0
16
10,
882,
494
7,4
�2,9
6�
124
,552
5,2
7�,0
16
12,
8�0,
5�1
TOTA
L
$$
$$
$$
$
TOTA
LPO
LIC
YPA
YMEN
TSCO
MM
ISSI
ON
S
OTH
ERFU
ND
S AT
THE
END
OF
THE
YEA
R
TRA
NSF
ERS
TOPR
OFI
TA
ND
LO
SS
TOTA
LO
THER
EXP
ENSE
S
EXPE
NSE
S O
FM
AN
AG
EMEN
T
- - - -
-
(4,9
80) -
(4,9
80)
1. 2. �.
LOC
AL
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T&
T) L
td.
Briti
sh-A
mer
ican
Insu
ranc
e Co
mpa
ny
(Trin
idad
) Ltd
.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
TOTA
L
769,
655
52,7
20
�,�4
0,9�
�
4,1
6�,�
08
EXPE
ND
ITU
RE
(�,9
84,2
4�)
161,
992
201,
778
(�,6
20,4
7�)
5,5�
8,9�
4
19,5
�1
504,
651
6,0
6�,1
16
- - - -
2,15
8,62
4
�7,2
�0 -
2,1
95,8
54
2,94
9,99
�
(146
,921
)
1,22
5,65
4
4,0
28,7
26
7,4
�2,9
6�
124
,552
5,2
7�,0
16
12,
8�0,
5�1
REPORT ON INSURANCE AND PENSIONS172
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F G
ROU
P LI
FE IN
SURA
NCE
- 20
05IN
COM
E
TABL
E V
1. 2. �. 4. 5. 6. 7. 8. 9. 1. 1.
LOC
AL
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T
&T)
Ltd
.
Banc
assu
ranc
e Ca
ribbe
an L
td.
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Cuna
Car
ibbe
an In
sura
nce
Soci
ety
Ltd.
Gua
rdia
n G
ener
al In
sura
nce
Lim
ited
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
Tatil
Life
Ass
uran
ce L
td.
The
Beac
on In
sura
nce
Com
pany
Ltd
.
TOTA
L
CARI
BBEA
N
Sagi
cor L
ife In
c.
TOTA
L
OTH
ER
Sun
Life
Ass
uran
ce C
ompa
ny o
f Can
ada
TOTA
L
GRA
ND
TO
TAL
COM
PAN
IES
FUN
DS
AT T
HE
BEG
INN
ING
O
F TH
E YE
AR
PREM
IUM
SCO
NSI
DER
ATIO
N F
OR
AN
NU
ITIE
S A
ND
OTH
ERD
EPO
SITS
TOTA
LPR
EMIU
MS
COM
MIS
SIO
NRE
CEIV
EDN
ET IN
TERE
STO
THER
TRA
NSF
ERS
FRO
MRE
SERV
ES
TOTA
L
OTH
ERO
THER
SIN
GLE
SIN
GLE
$$
$$
$$
$$
$$
$
4�,
18�
10,
�58,
727
18,
0�0,
666 -
5�8
,694
6,6
21,9
86 -
416
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-
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98
4,8
48,6
01
4,8
48,6
01 - -
40,8
57,8
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-
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7,6
05,6
24 - - -
11,2
92,8
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11,2
92,8
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7,6
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76 -
14,
126,
876
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400,
576 - -
589
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18
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171,
720
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171,
720
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576 -
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589
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14,7
49
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171,
720
12,
171,
720
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18,
�1�
74,0
04,7
82
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2,7
48
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5�
876
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1,8
62,7
9�
8,8
87
414
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-
5,�
98,0
98 -
10,7
96,�
16
2��
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2��
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- -
11,0
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-
454
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252
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41,0
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4
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25)
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0,12
9
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42,
460
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460
42,4
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7,6
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07
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0�4,
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26�,
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581,
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59,
448
59,
448
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512
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
REPORT ON INSURANCE AND PENSIONS 17�
REVE
NU
E AC
COU
NT
IN R
ESPE
CT
OF
GRO
UP
LIFE
INSU
RAN
CE -
2005
EXPE
ND
ITU
RE
TABL
E V
cont
inue
dTA
BLES
1. 2. �. 4. 5. 6. 7. 8. 9. 1. 1.
LOC
AL
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T
&T)
Ltd
.
Banc
assu
ranc
e Ca
ribbe
an L
td.
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Cuna
Car
ibbe
an In
sura
nce
Soci
ety
Ltd.
Gua
rdia
n G
ener
al In
sura
nce
Lim
ited
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
Tatil
Life
Ass
uran
ce L
td.
The
Beac
on In
sura
nce
Com
pany
Ltd
.
TOTA
L
CARI
BBEA
N
Sagi
cor L
ife In
c.
TOTA
L
OTH
ER
Sun
Life
Ass
uran
ce C
ompa
ny o
f Can
ada
TOTA
L
GRA
ND
TO
TAL
COM
PAN
IES
CLA
IMS
SURR
END
ER(IN
CLU
DIN
GSU
RREN
DER
OF
BON
USE
S)
AN
NU
ITIE
STO
TAL
POLI
CY
PAYM
ENTS
COM
MIS
SIO
NS
EXPE
NSE
S O
FM
AN
AG
EMEN
T
FUN
DS
AT
THE
END
OF
THE
YEA
R
DEA
TH $$
$$
$$
$$
$$
$$
MAT
URI
TIES
OTH
ER
OTH
ER E
XPEN
SES
OTH
ERTR
AN
SFER
STO
PRO
FIT
AN
D L
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L
2,0
41,6
64
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00
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069,
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601
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-
712
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28
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15
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16,
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00�
14,
560,
559
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26�,
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547
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257,
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0�,7
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21,
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46,5
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16,
988
16,9
88
115,
067,
287
REPORT ON INSURANCE AND PENSIONS174
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F G
ROU
P PE
NSI
ON
INSU
RAN
CE -
2005
INCO
ME
TABL
E VI
1. 2. �. 4. 5.
LOC
AL
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T
&T)
Ltd
.
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
imite
d
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
Tatil
Life
Ass
uran
ce L
td.
TOTA
L
COM
PAN
IES
FUN
DS
AT T
HE
BEG
INN
ING
O
F TH
E YE
AR
NET
PREM
IUM
NET
INTE
REST
OTH
ERTO
TAL
$$
$$
$$
$
190
,574
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6,8
00,0
76,9
00
90,
681,
696
4�,
608,
865
20,
697,
065
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45,6
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96,7
6�
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97,8
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96,7
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1�,
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080
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19,7
44
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254
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-
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�07
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10 -
6,4
74,0
27
41,
24�,
444
212
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9,9
�4,8
04,4
15
97,
590,
610
48,
125,
�72
41,
020,
014
10,�
��,6
�1,7
44
TOTA
LPR
EMIU
MCO
MM
ISSI
ON
RECE
IVED
LOCA
L
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T&
T)
Ltd.
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
Tatil
Life
Ass
uran
ce L
td.
TOTA
L
COM
PAN
IES
CLA
IMS
SURR
END
ER(IN
CLU
DIN
GSU
RREN
DER
OF
BON
USE
S)
AN
NU
ITIE
STO
TAL
POLI
CY
PAYM
ENTS
COM
MIS
SIO
NS
EXPE
NSE
S O
FM
AN
AG
EMEN
T
FUN
DS
AT
THE
END
OF
THE
YEA
R
DEA
THO
THER
OTH
ER E
XPEN
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OTH
ERTR
AN
SFER
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PRO
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1. 2. �. 4. 5.
-
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1,7
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146,
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2�,
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48,0
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222,
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051,
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8,44
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6,7
02,6
07,4
90
89,
468,
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46,
825,
246
19,
915,
025
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590,
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125,
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41,
020,
014
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44
EXPE
ND
ITU
RE
$$
$$
$$
$$
$$
$
REPORT ON INSURANCE AND PENSIONS 175
TABL
ES REVE
NU
E AC
COU
NT
IN R
ESPE
CT
OF
DEP
OSI
T A
DM
INIS
TRAT
ION
CO
NTR
ACTS
/UN
IT L
INKE
D F
UN
DS
- 200
5IN
COM
E
TABL
E VI
I
LOC
AL
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Dem
erar
a Li
fe A
ssur
ance
Com
pany
of
T&T
Ltd
.
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Sagi
cor L
ife In
c.
Tatil
Life
Ass
uran
ce L
td.
TOTA
L
COM
PAN
IES
AN
NU
ITY
PURC
HA
SED
CLA
IMS
AD
MIN
ISTR
ATIO
NFE
ESCO
MM
ISSI
ON
SPA
IDO
THER
TOTA
L
1. 2. � 4 5.
127,
962,
5�6 -
24,2
11,8
08
17,2
44,4
18 -
169,
418,
762
EXPE
ND
ITU
RESU
RREN
DER
OF
UN
ITS
MA
NA
GEM
ENT
EXPE
NSE
SFU
ND
SC
ARR
IED
FORW
ARD
1. 2. �. 4. 5.
LOC
AL
COM
PAN
IES
FUN
DS
BRO
UG
HT
FORW
ARD
CON
TRIB
UTI
ON
STO
TAL
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Dem
erar
a Li
fe A
ssur
ance
Com
pany
of
T&T
Ltd
.
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Sagi
cor L
ife In
c.
Tatil
Life
Ass
uran
ce L
td.
TOTA
L
84�
,725
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12,6
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1,77
8,�2
0,78
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529,
214
92,9
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00
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9
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INTE
REST
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ER
4,6
62,1
17 -
40,
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04
109
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11,1
84,2
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$
REPORT ON INSURANCE AND PENSIONS176
TABL
ESLO
NG
-TER
M IN
SURA
NCE
BU
SIN
ESS
- IN
SURA
NCE
DIS
CON
TIN
UED
OR
RED
EEM
ED D
URI
NG
200
5
TABL
E VI
II
1. 2. �. 4. 5. 6. 7. 8. 9. 10.
11.
12.
1�
14
15
1. 2. 1.
LOC
AL
Am
eric
an L
ife a
nd G
ener
al In
sura
nce
Com
pany
(T
&T)
Ltd
.
Banc
assu
ranc
e C
arib
bean
Ltd
.
Briti
sh-A
mer
ican
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Carib
bean
Atla
ntic
Life
Insu
ranc
e Co
mpa
ny (T
&T)
Lt
d.
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
CUN
A C
arib
bean
Insu
ranc
e So
ciet
y Lt
d.
Dem
erar
a Li
fe A
ssur
ance
Com
pany
of T
&T
Ltd.
Gua
rdia
n G
ener
al In
sura
nce
Lim
ited
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
Meg
a In
sura
nce
Com
pany
Ltd
.
Nat
ionw
ide
Insu
ranc
e Co
mpa
ny L
td.
Scot
ialif
e Tr
inid
ad a
nd To
bago
Ltd
.
Tatil
Life
Ass
uran
ce L
td.
The
Beac
on In
sura
nce
Com
pany
Ltd
.
The
Rein
sura
nce
Com
pany
of T
&T
Lim
ited
TOTA
L
CARI
BBEA
N
Life
of B
arba
dos
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cor L
ife In
c
TOTA
L
OTH
ER
Sun
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uran
ce C
ompa
ny o
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ada
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L
GRA
ND
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TAL
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PAN
IES
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RFEI
TURE
M
ATU
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TAL
$$
SURR
END
ER
NU
MBE
R O
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ES
LAPS
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ISCE
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SD
EATH
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RE
MAT
URI
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LAPS
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112
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9
REPORT ON INSURANCE AND PENSIONS 177
TABL
ESIN
SURA
NCE
IN F
ORC
E - 2
005
TABL
E IX
1 2. �. 4. 5. 6. 7. 8. 9. 10.
11.
12.
1�.
14.
15.
16
1. 2. 1. 2.
LOC
AL
COM
PAN
IES
NU
MBE
R O
FPO
LICI
ESA
NN
UA
LPR
EMIU
MS
NU
MBE
R O
FPO
LICI
ES
$
SUM
ASS
URE
DO
R A
MO
UN
TS O
FA
NN
UIT
Y PE
R A
NN
UM
SIN
GLE
PREM
IUM
S A
ND
CON
SID
ERAT
ION
SUM
ASS
URE
DO
R A
MO
UN
TS O
FA
NN
UIT
Y PE
R A
NN
UM
$$
$
Amer
ican
Life a
nd G
ener
al In
sura
nce C
ompa
ny (T
&T) L
td.
Banc
assu
ranc
e Car
ibbe
an Lt
d.
Briti
sh-A
mer
ican
Insu
ranc
e Com
pany
(Trin
idad
) Ltd
.
Carib
bean
Atla
ntic
Life I
nsur
ance
Com
pany
(T&T
) Lt
d.
Colo
nial
Life
Insu
ranc
e Com
pany
(Trin
idad
) Ltd
.
Cuna
Car
ibbe
an In
sura
nce S
ocie
ty Lt
d.
Dem
erar
a Life
Ass
uran
ce C
ompa
ny o
f T&T
Ltd.
Guar
dian
Gen
eral
Insu
ranc
e Lim
ited
Guar
dian
Life
of t
he C
arib
bean
Ltd.
Mar
itim
e Life
(Car
ibbe
an) L
td.
Meg
a In
sura
nce C
ompa
ny Lt
d.
Natio
nwid
e Ins
uran
ce C
ompa
ny
Tatil
Life
Ass
uran
ce Lt
d.
Scot
ialife
Trin
idad
and
Toba
go Lt
d.
The R
eins
uran
ce C
ompa
ny o
f Trin
idad
and
Toba
go Lt
d.
The B
eaco
n In
sura
nce C
ompa
ny Lt
d.
TOTA
L
CARI
BBEA
N
Life o
f Bar
bado
s Ltd
.
Sagi
cor L
ife In
c.
TOTA
L
OTHE
R
Linco
ln A
ssur
ance
Ltd.
Sun
Life A
ssur
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pany
of C
anad
a
TOTA
L
GRAN
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4,9
47
29
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NEW
INSU
RAN
CE IS
SUED
DU
RIN
G T
HE
YEA
RIN
SURA
NCE
EXI
STIN
G
REPORT ON INSURANCE AND PENSIONS178
TABL
ESLO
NG
-TER
M IN
SURA
NCE
- A
NN
UIT
Y BU
SIN
ESS
2005
TABL
E X
1. 2. �. 4. 5. 6. 7. 8. 9. 10.
11.
12.
1. 2.
LOC
AL
Amer
ican
Life
and
Gen
eral
Insu
ranc
e Co
mpa
ny (T
&T) L
td.
Banc
assu
ranc
e Ca
ribbe
an L
td.
Briti
sh-A
mer
ican
Insu
ranc
e Co
mpa
ny (T
rinid
ad) L
td.
Carib
bean
Atla
ntic
Life
Insu
ranc
e Co
mpa
ny L
imite
d
Colo
nial
Life
Insu
ranc
e Co
mpa
ny (
Trin
idad
) Lim
ited
Dem
erar
a Li
fe A
ssur
ance
Com
pany
of T
&T L
td.
Gua
rdia
n Li
fe o
f the
Car
ibbe
an L
td.
Mar
itim
e Li
fe (C
arib
bean
) Ltd
.
Meg
a In
sura
nce
Com
pany
Ltd
.
Nat
ionw
ide
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ranc
e Co
mpa
ny
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ialif
e Tr
inid
ad a
nd To
bago
Ltd
.
Tatil
Life
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uran
ce L
td.
TOTA
L
CARI
BBEA
N
Life
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td.
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cor L
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L
GRA
ND
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L
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ITIE
S(IM
MED
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NN
UIT
Y PE
R A
NN
UM
NU
MBE
R O
F PO
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NN
UIT
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NN
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DEF
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D
$
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L A
NN
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ITIE
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)
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TE
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NN
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D
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REPORT ON INSURANCE AND PENSIONS 179
TABL
ESST
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ENT
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STAT
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UN
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005
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REPORT ON INSURANCE AND PENSIONS180
TABL
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STAT
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005-
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REPORT ON INSURANCE AND PENSIONS 181
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F M
OTO
R IN
SURA
NCE
- 20
05
TABL
E XI
I
1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25 26 1
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gen
eral
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ranc
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mpa
ny (T
&T)
Ltd.
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ers I
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Com
pany
(T&T
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tal I
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Ltd
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ranc
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at N
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ntai
n G
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al In
sura
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pany
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a As
sura
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) Ltd
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pany
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pany
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tern
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F YE
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CL
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S RE
SERV
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PREM
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SREVE
NU
E INTE
REST
DIV
IDEN
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AN
D R
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OTH
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TAL
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RE
PAYM
ENT
OF
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IMS
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UD
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S
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AN
AG
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T
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TSTA
ND
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IMS
RESE
RVE
COM
MIS
SIO
NS
TRA
NSF
ERS
TO P
ROFI
T A
ND
LO
SS A
CCO
UN
T
UN
EARN
EDPR
EMIU
M
RESE
RVE
TOTA
LO
THER
AM
OU
NT
OF
FUN
D A
TEN
D O
F YE
AR
$$
$$
$$
$$
$
REPORT ON INSURANCE AND PENSIONS182
TABL
ESST
ATEM
ENT
OF
STAT
UTO
RY F
UN
D -
LIA
BILI
TY O
F PO
LICY
HO
LDER
S A
ND
ASS
ETS
HEL
D IN
TRU
ST -
MO
TOR
INSU
RAN
CE -
2005
TABL
E XI
II
1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gen
eral
Insu
ranc
e Co
mpa
ny
(T&T
) Ltd
.
Bank
ers I
nsur
ance
Com
pany
(T&T
) Ltd
.
Capi
tal I
nsur
ance
Ltd
.
Carib
bean
Insu
ranc
e Co
mpa
ny L
td.
Citiz
en In
sura
nce
Com
pany
Ltd
.
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nial
Fire
& G
ener
al In
sura
nce
Com
pany
Ltd
.
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ess A
ncho
rage
Gen
eral
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ranc
e Lt
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ranc
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ny L
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d
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rdia
n G
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f Ins
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itim
e G
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nce
Com
pany
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or O
ne In
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nce
Com
pany
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ionw
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ranc
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asua
lty &
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sura
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pany
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rinid
ad &
Toba
go L
td.
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l Car
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an In
sura
nce
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cor G
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sura
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on In
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nce
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eral
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at N
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ntai
n G
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sura
nce
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pany
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a As
sura
nce
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pany
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) Ltd
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nsur
ance
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pany
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tern
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eral
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ranc
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mpa
ny L
td.
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idad
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go In
sura
nce
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L
CARI
BBEA
N
TOTA
L
GRA
ND
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L
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02,0
8�)
1,1
19,1
16
111
,602
(1,0
87,9
45)
(258
,115
)
10,
144,
769
26,
528,
�1� - -
26,
528,
�1�
25.
51
(78.
1�)
2.9
8 -
18.
04
(4.0
�)
22.
64
8.0
7
21.
62
(28.
16)
5.6
0
(27.
82)
1.�
9 - -
18.
90
(8.6
1)
(18.
96)
9.6
0
0.6
0
(1�.
20) -
16.
62
(27.
��) - -
(27.
��)
REPORT ON INSURANCE AND PENSIONS184
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F O
THER
TH
AN
LO
NG
TER
M O
R M
OTO
R IN
SURA
NCE
- 20
05
TABL
E XV
1. 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 2� 24 25 26 1 2
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gene
ral In
sura
nce
Co. (
T&T)
Ltd.
Bank
ers I
nsur
ance
Com
pany
(T&T
) Ltd
.
Brtis
h-Am
erica
n In
sura
nce
Co. T
rinid
ad Lt
d.
Capi
tal In
sura
nce
Ltd.
Citiz
en In
sura
nce
Com
pany
Ltd.
Colo
nial
Fire
& G
ener
al In
sura
nce
Co. L
td.
Expo
rt Im
port
Bank
of T
rinid
ad an
d To
bago
Co.
Ltd.
Furn
ess A
ncho
rage
Gen
eral
Insu
ranc
e Lt
d.
GTM
Fire
Insu
ranc
e Co
mpa
ny Lt
d
Guar
dian
Gen
eral
Insu
ranc
e Li
mite
d
Guar
dian
Life
of t
he C
arib
bean
Ltd.
Gulf I
nsur
ance
Ltd.
Mar
itim
e Ge
nera
l Insu
ranc
e Co
mpa
ny Lt
d.
Meg
a Ins
uran
ce C
ompa
ny Lt
d
Nat
ionw
ide
Insu
ranc
e (C
asua
lty &
Gen
eral
) Co.
Ltd.
N.E.
M. (
Wes
t Ind
ies)
Insu
ranc
e Lt
d.
Roya
l Car
ibbe
an In
sura
nce
Ltd.
Sagi
cor G
ener
al In
sura
nce
Inc.
The
Beac
on In
sura
nce
Com
pany
Ltd
The
Good
will
Gen
eral
Insu
ranc
e Co
mpa
ny Lt
d.
The
Grea
t Nor
ther
n In
sura
nce
Com
pany
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The
Mou
ntai
n Ge
nera
l Insu
ranc
e Co
mpa
ny Lt
d.
The
New
Indi
a Ass
uran
ce C
ompa
ny (T
&T) L
td.
The
Rein
sura
nce
Com
pany
of T
&T Lt
d.
The W
este
rn G
ener
al In
sura
nce
Com
pany
Ltd.
Trin
idad
& To
bago
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ranc
e Lt
d.
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L
CARI
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cor L
ife In
c.
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nce
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pany
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L
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TAL
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ED
PREM
IUM
RESE
RVE
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MIS
SIO
NS
RECE
IVED
TRA
NSF
ER F
ROM
PRO
FIT
& LO
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CCO
UN
T
FUN
D A
T TH
E BE
GIN
NIN
G
OF
YEA
R
OU
TSTA
ND
ING
CL
AIM
S RE
SERV
E
PREM
IUM
S
REVE
NU
E
NET
IN
TERE
STO
THER
P&L
EXPE
ND
ITU
RE
TOTA
LEX
PEN
SES
OF
MA
NA
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ENT
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MIS
SIO
NS
RESE
RVE
FOR
UN
EARN
EDPR
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M
OTH
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L
FUN
D A
TAT
EN
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F YE
AR $
19,
287,
87�
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72
262
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29,
172
59,
470
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52�
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496 -
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701,
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618,
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$$
$$
$$
$$
$$
$$
$
PAYM
ENT
OF
CLA
IMS
INCL
UD
UN
GLE
GA
L A
ND
M
EDIC
AL
EXPE
NSE
S
TRA
NSF
ER T
OPR
OFI
T &
LOSS
ACC
OU
NT
RESE
RVE
FOR
OU
TSTA
ND
ING
CLA
IMS
TOTA
L
$
105
,�08
,128
6,6
5�,1
2�
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�6,8
88
144
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172
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108
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,�07
1,�
86,1
45
2,8
77,6
11
19,
888,
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155
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165
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1�,
796,
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27,
191,
878 -
2,9
78,6
20
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20,
462,
006
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17�,
440
148
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7,9
06,8
07
1�,
505,
794
400
78,
640,
�60
778
,�80
,12�
51,
�44,
560
19,
9�4,
8�8
71,
279,
�98
849
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$ 1
7,18
2,52
6
997
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-
124
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28,
869
5,5
11,8
71
1,6
47,1
77
41,
711
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1�,
16�,
012
9,7
42,2
78
4,2
27,6
44
2,0
42,6
88 -
2,9
25,6
�5
148
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2,0
26,6
76
4,9
05,8
58
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197
29,
778
1,0
62,6
69 -
24,
744,
6�7
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218,
276
12,
0�2,
9�2
8,7
08,5
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20,
741,
466
114
,959
,742
REPORT ON INSURANCE AND PENSIONS 185
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F PR
OPE
RTY
INSU
RAN
CE -
2005
TABL
E XV
I
1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 1
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gen
eral
Insu
ranc
e Co
mpa
ny (T
&T)
Ltd.
Bank
ers I
nsur
ance
Com
pany
(T&T
) Ltd
.
Briti
sh-A
mer
ican
Insu
ranc
e Co
. Trin
idad
Ltd
.
Capi
tal I
nsur
ance
Ltd
.
Citiz
en In
sura
nce
Com
pany
Ltd
.
Colo
nial
Fire
& G
ener
al In
sura
nce
Com
pany
Ltd
.
Furn
ess A
ncho
rage
Gen
eral
Insu
ranc
e Lt
d.
GTM
Fire
Insu
ranc
e Co
. Ltd
.
Gua
rdia
n G
ener
al In
sura
nce
Lim
ited
Gul
f Ins
uran
ce L
td.
Mar
itim
e G
ener
al In
sura
nce
Com
pany
Ltd
.
Nat
ionw
ide
Insu
ranc
e (C
asua
lty &
Gen
eral
) Co.
Ltd
.
N.E
.M. (
Wes
t Ind
ies)
Insu
ranc
e Lt
d.
Sagi
cor G
ener
al In
sura
nce
Inc.
Roya
l Car
ibbe
an In
sura
nce
Ltd.
The
Beac
on In
sura
nce
Com
pany
Ltd
The
Goo
dwill
Gen
eral
Insu
ranc
e Co
mpa
ny L
td.
The
Gre
at N
orth
ern
Insu
ranc
e Co
mpa
ny L
td.
The
Mou
ntai
n G
ener
al In
sura
nce
Com
pany
Ltd
.
The
New
Indi
a As
sura
nce
Com
pany
(T&T
) Ltd
.
The
Rein
sura
nce
Com
pany
of T
&T L
td.
Trin
idad
& To
bago
Insu
ranc
e Lt
d.
TOTA
L
CARI
BBEA
N
Uni
ted
Insu
ranc
e Co
mpa
ny L
imite
d
TOTA
L
GRA
ND
TOTA
L
REVE
NU
EEX
PEN
DIT
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UN
EARN
ED
PREM
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RVE
$$
$
PREM
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STR
AN
SFER
FR
OM
PRO
FIT
& LO
SSA
CCO
UN
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4,1
24,8
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(154
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)
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189
28,
182
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8�8
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No
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72 -
2,2
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27
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15,
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919
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(8,0
27)
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156
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250
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282
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71,
508
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694,
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(111
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S RE
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749
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465,
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220,
720
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021,
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021,
80�
211,
242,
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$$
$$
$$
$$
$
REPORT ON INSURANCE AND PENSIONS186
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F M
ISCE
LLA
NEO
US
GEN
ERA
L IN
SURA
NCE
- 20
05
TABL
E XV
II
1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 1 2
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gen
eral
Insu
ranc
e Co
mpa
ny (T
&T) L
td.
Bank
ers I
nsur
ance
Com
pany
(T&T
) Ltd
.
Briti
sh-A
mer
ican
Insu
ranc
e Co
. Trin
idad
Ltd
.
Capi
tal I
nsur
ance
Ltd
.
Citiz
en In
sura
nce
Com
pany
Ltd
.
Colo
nial
Fire
& G
ener
al In
sura
nce
Com
pany
Ltd
Expo
rt Im
port
Ban
k of
Trin
idad
and
Toba
go C
o. L
td.
Furn
ess A
ncho
rage
Gen
eral
Insu
ranc
e Lt
d.
Gul
f Ins
uran
ce L
td
Gua
rdia
n G
ener
al In
sura
nce
Lim
ited
GTM
Fire
Insu
ranc
e Co
. Ltd
Mar
itim
e G
ener
al In
sura
nce
Com
pany
Ltd
Nat
ionw
ide
Insu
ranc
e (C
asua
lty &
Gen
eral
) Co.
Ltd
.
N.E
.M. (
Wes
t Ind
ies)
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ranc
e Lt
d.
Roya
l Car
ibbe
an In
sura
nce
Ltd.
Sagi
cor G
ener
al In
sura
nce
Inc.
The
Beac
on In
sura
nce
Com
pany
Ltd
.
The
Gre
at N
orth
ern
Insu
ranc
e Co
mpa
ny L
td.
The
Mou
ntai
n G
ener
al In
sura
nce
Com
pany
Ltd
.
The
New
Indi
a As
sura
nce
Com
pany
(T&T
) Ltd
.
The
Rein
sura
nce
Com
pany
of T
rinid
ad &
Toba
go L
td.
Trin
idad
and
Toba
go In
sura
nce
Ltd.
TOTA
L
CARI
BBEA
N
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cor L
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c.
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ted
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ranc
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ny L
td.
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L
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ND
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NU
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T TH
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GIN
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G O
F YE
AR
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ED
PREM
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NET
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NT
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$
TOTA
L
1,
407,
�15
4,6
67,9
47
529
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45
76,
019
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45
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2,9
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1,5
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(50)
564
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2,8
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45
54,
459,
987
51,
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560
544
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889,
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106
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$
TRA
NSF
ER T
OPR
OFI
T &
LO
SSA
CCO
UN
T
1
9,75
9 - - - -
646
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6,4
67,5
21 -
166
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166
,211
6,6
��,7
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REPORT ON INSURANCE AND PENSIONS 187
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F LI
ABI
LITY
INSU
RAN
CE -
2005
TABL
E XV
III
1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 1
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gen
eral
Insu
ranc
e Co
mpa
ny (T
&T)
Ltd.
Bank
ers I
nsur
ance
Com
pany
(T&T
) Ltd
.
Capi
tal I
nsur
ance
Ltd
.
Colo
nial
Fire
& G
ener
al In
sura
nce
Com
pany
Ltd
.
Furn
ess A
ncho
rage
Gen
eral
Insu
ranc
e Lt
d.
GTM
Fire
Insu
ranc
e Co
. Ltd
.
Gua
rdia
n G
ener
al In
sura
nce
Lim
ited
Gul
f Ins
uran
ce L
td.
Mar
itim
e G
ener
al In
sura
nce
Com
pany
Ltd
.
Nat
ionw
ide
Insu
ranc
e (C
asua
lty &
Gen
eral
) Co.
Ltd
.
N.E
.M. (
Wes
t Ind
ies)
Insu
ranc
e Lt
d.
Roya
l Car
ibbe
an In
sura
nce
Ltd.
Sagi
cor G
ener
al In
sura
nce
Inc.
The
Beac
on In
sura
nce
Com
pany
Ltd
The
Gre
at N
orth
ern
Insu
ranc
e Co
mpa
ny L
td.
The
Mou
ntai
n G
ener
al In
sura
nce
Com
pany
Ltd
.
The
New
Indi
a As
sura
nce
Com
pany
(T&T
) Ltd
.
Trin
idad
& To
bago
Insu
ranc
e Lt
d.
TOTA
L
CARI
BBEA
N
Uni
ted
Insu
ranc
e Co
mpa
ny L
td.
TOTA
L
GRA
ND
TOTA
L
REVE
NU
EEX
PEN
DIT
URE
$
FUN
D A
T TH
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GIN
NIN
G O
F YE
AR
UN
EARN
ED
PREM
IUM
RESE
RVE
PREM
IUM
STR
AN
SFER
FR
OM
PRO
FIT
& LO
SSA
CCO
UN
T
765
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2,7
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REPORT ON INSURANCE AND PENSIONS188
TABL
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VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F PE
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CID
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TABL
E XI
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PAN
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REPORT ON INSURANCE AND PENSIONS 189
TABL
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VEN
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UN
T IN
RES
PEC
T O
F G
ROU
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05IN
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E
TABL
E XI
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LOC
AL
Am
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nd G
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sura
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REPORT ON INSURANCE AND PENSIONS190
TABL
ESRE
VEN
UE
ACCO
UN
T IN
RES
PEC
T O
F M
ARI
NE
AVIA
TIO
N A
ND
TRA
NSP
ORT
INSU
RAN
CE -
2005
TABL
E XX
1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 1
COM
PAN
IES
LOC
AL
REVE
NU
EEX
PEN
DIT
URE
$
FUN
D A
T TH
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GIN
NIN
G O
F YE
AR
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RESE
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STR
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PRO
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& LO
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T
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CL
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COM
MIS
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NET
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OF
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t Ind
ies)
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ranc
e Lt
d.
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sura
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cor G
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al In
sura
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The
Beac
on In
sura
nce
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pany
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ited
The
New
Indi
a As
sura
nce
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pany
(T&T
) Ltd
.
The
Rein
sura
nce
Com
pany
of T
rinid
ad a
nd To
bago
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Trin
idad
& To
bago
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ranc
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CARI
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ted
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ranc
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991
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71�,
299
$
REPORT ON INSURANCE AND PENSIONS 191
TABL
ESU
ND
ERW
RITI
NG
RES
ULT
S IN
RES
PEC
T O
F PR
OPE
RTY
INSU
RAN
CE -
2005
TABL
E XX
I
1 2 � 4 5 6 7 8 9 10 11 12 1� 14 15 16 17 18 19 20 21 22 1
COM
PAN
IES
LOC
AL
Amer
ican
Life
and
Gen
eral
Insu
ranc
e Co
mpa
ny (T
&T)
Ltd.
Bank
ers I
nsur
ance
Com
pany
(T&T
) Ltd
.
Briti
sh -
Amer
ican
Insu
ranc
e Co
mpa
ny (
Trin
idad
) Lt
d
Capi
tal I
nsur
ance
Ltd
.
Citiz
en In
sura
nce
Com
pany
Ltd
Colo
nial
Fire
& G
ener
al In
sura
nce
Com
pany
Ltd
.
Furn
ess A
ncho
rage
Gen
eral
Insu
ranc
e Lt
d.
Gul
f Ins
uran
ce L
td.
The
Carib
bean
Hom
e In
sura
nceC
ompa
ny L
td.
GTM
Fire
Insu
ranc
e Co
mpa
ny L
td.
Mar
itim
e G
ener
al In
sura
nce
Com
pany
Ltd
.
Nat
iionw
ide
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ranc
e (C
asua
lty &
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eral
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Ltd
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Wes
t Ind
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ranc
e Lt
d.
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l Car
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cor G
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al In
sura
nce
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The
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on In
sura
nce
Com
pany
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Thr G
oodw
ill G
ener
al In
sura
nce
Com
pany
Ltd
The
Gre
at N
orth
ern
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ranc
e Co
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ny L
td.
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ntai
n G
ener
al In
sura
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pany
Ltd
.
The
New
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a As
sura
nce
Com
pany
(T&T
) Ltd
.
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nce
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pany
of T
&T L
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idad
& To
bago
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ranc
e Lt
d.
TOTA
L
CARI
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Uni
ted
Insu
ranc
e Co
mpa
ny L
td.
TOTA
L
GRA
ND
TO
TAL
UN
EARN
ED
PREM
IUM
(BEG
INN
ING
OF
YEA
R)
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$%
$%
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UN
EARN
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PREM
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(EN
D O
F YE
AR)
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S O
F M
AN
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TA
ND
NET
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25
116
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2,0
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78
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60,�
78
118
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NET
PREM
IUM
WRI
TTEN
NET
PREM
IUM
SEA
RNED
(1+2
)-�
NET
CLA
IMS
INCU
RRED
5 A
S A
PE
R CE
NT
OF
47
AS
A
PER
CEN
T O
F 4
TOTA
LPR
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M
PAYM
ENTS
(7
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9 A
S A
PE
R CE
NT
OF
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OFI
T O
R(L
OSS
) (4-
9)
PRO
FIT
OR
(LO
SS)
PER
CEN
T
$$
$$
REPORT ON INSURANCE AND PENSIONS192
TABL
ES SUM
MA
RY A
ND
VA
LUAT
ION
OF
POLI
CIES
OF
AM
ERIC
AN
LIF
E &
GEN
ERA
L IN
SURA
NCE
CO
MPA
NY
(T&
T) LT
D IN
RES
PEC
T O
F LO
NG
-TER
M A
ND
AN
NU
ITY
AS
AT D
ECEM
BER
�1, 2
005
TABL
E XX
II
NSU
RAN
CE P
OLI
CIES
$$
$$
Gro
up 1
- Tot
al A
ssur
ance
s with
Pro
fits
Gro
up 2
- Tot
al A
ssur
ance
s with
out P
rofit
s
TOTA
L AS
SURA
NCE
S
Gro
up �
- Sup
lem
enta
ry B
enefi
ts
Gro
up 4
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up A
ssur
ance
(Une
arne
d Pr
emiu
m)
Gro
up 5
- Ind
ivid
ual A
nnui
ties -
Def
erre
d
In
Pay
men
t
TOTA
L IN
D. A
NN
UIT
IES
Gro
up 6
- Tax
Qua
l. Ind
. Ann
uitie
s - D
efer
red
In
Pay
men
t
TOTA
L TA
X Q
UAL.
IND
. AN
NU
ITIE
S
Gro
up 7
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up A
nnui
ties -
Def
erre
d
I
n Pa
ymen
t
TOTA
L G
ROU
P AN
NU
ITIE
S
AID
S RE
SERV
EPE
RSO
NAL
ACC
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ITS
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ND
TO
TAL
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MBE
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IUM
S
SUM
SA
SSU
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ON
USE
S
NET
YEA
RLY
PREM
IUM
S
NET
LIA
BILI
TY
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CIES
REG
ISTE
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ND
TO
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O
11,6
90
1�,6
51
25,�
41 -
268
10,8
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10,8
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11,4
21
799
12,2
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48,7
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pa pa pa pa pa pa pa pa pa
VA
LUAT
ION
BA
LAN
CE S
HEE
T O
F TH
E LO
NG
-TER
M IN
SURA
NCE
OF
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ERIC
AN
LIF
E &
GEN
ERA
L IN
SURA
NCE
CO
MPA
NY
(T&
T) L
IMIT
EDA
S AT
DEC
EMBE
R �1
, 200
5
Net
Lia
bilit
ies u
nder
Pol
icie
s on
Regi
ster
in Tr
inid
ad a
nd To
bago
Oth
er
Surp
lus (
if an
y)
TOTA
L
$78
0,74
9,46
7
- 109,
929,
924
890,
679,
�91
Bala
nce
of L
ong
Term
Fun
d pe
r Rev
enue
Acc
ount
Defi
cien
cy (i
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)
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TABL
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RAN
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5
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REPORT ON INSURANCE AND PENSIONS194
SUM
MA
RY A
ND
VA
LUAT
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AM
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AN
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TABL
E XX
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LY A
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EMBE
R �1
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5
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REPORT ON INSURANCE AND PENSIONS 195
DES
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AN
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TABL
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D V
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RES
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R �1
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5
TABL
E XX
V
$
REPORT ON INSURANCE AND PENSIONS196
TABL
ESSU
MM
ARY
AN
D V
ALU
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N O
F PO
LICI
ES O
F CU
NA
CA
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RAN
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DEC
EMBE
R �1
, 200
5
TABL
E XX
VI
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F TR
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$$
$$
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r Rev
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f any
)
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55,6
92,8
41
REPORT ON INSURANCE AND PENSIONS 197
TABL
ESG
UA
RDIA
N L
IFE
OF
THE
CARI
BBEA
N L
IMIT
EDSU
MM
ARY
AN
D V
ALU
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N O
F PO
LICI
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RES
PEC
T O
F LO
NG
TER
M B
USI
NES
SA
S AT
DEC
EMBE
R �1
, 200
5
TABL
E XX
VII
DES
CRIP
TIO
N O
F TR
AN
SAC
TIO
NS
$$
$$
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REG
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BER
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2
2,71
9,79
9,29
4
REPORT ON INSURANCE AND PENSIONS198
TABL
ESVA
LUAT
ION
BA
LAN
CE S
HEE
T O
F G
UA
RDIA
N L
IFE
OF
THE
CARI
BBEA
N L
IMIT
ED IN
REP
ECT
OF
BUSI
NES
S D
ON
E IN
TR
INID
AD
AN
D T
OBA
GO
ON
LY A
S AT
DEC
EMBE
R �1
, 200
5
TABL
E XX
VII c
ontin
ued
Actu
aria
l Res
erve
s
Par
ticip
atin
g Po
licie
s
Non
Par
ticip
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g Po
licie
s
Inve
stm
ent &
Con
tinge
ncy
Rese
rve
P
artic
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ing
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N
on P
artic
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ing
Polic
ies
Una
ppro
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ted
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lus
P
artic
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ing
Polic
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N
on P
artic
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ing
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e Ca
pita
lSh
are
Prem
ium
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luat
ion
Rese
rve
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0
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1
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272
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218
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679
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Valu
e of
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ets
Curr
ent L
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litie
s
TOTA
L
$’00
0
�,59
5,55
6
(94,
157)
�,50
1,�9
9
REPORT ON INSURANCE AND PENSIONS 199
TABL
ES
SUM
MA
RY A
ND
VA
LUAT
ION
OF
POLI
CIES
OF
SAG
ICO
R LI
FE IN
C IN
RES
PEC
T O
F LO
NG
-TER
M B
USI
NES
S A
S AT
DEC
EMBE
R �1
, 200
5
TABL
E XX
VIII
DES
CRIP
TIO
N O
F TR
AN
SAC
TIO
NS
SUM
SIN
SURE
D
$
BON
USE
SN
ETYE
ARL
YPR
EMIU
MS
NET
LIA
BILI
TY
POLI
CIES
REG
ISTE
RED
IN T
RIN
IDA
D A
ND
TO
BAG
O
NU
MBE
RO
FPO
LICI
ES
INSU
RAN
CE P
OLI
CIES
Gro
up 1
- W
ith im
med
iate
Par
ticip
atio
n in
Pro
fits
Less
Rei
nsur
ance
TOTA
L N
ET IN
SURA
NCE
S W
ITH
PRO
FITS
Gro
up �
- With
out P
artic
ipat
ion
in P
rofit
sLe
ss R
eins
uran
ce
TOTA
L N
ET IN
SURA
NCE
S W
ITH
OU
T PR
OFI
TS
Gro
up 5
- Ann
uitie
s
TOTA
L AN
NU
ITIE
S
Gro
up 6
- O
ther
Lon
g Te
rm In
sura
nce
Busin
ess
Less
Rei
nsur
ance
TOTA
L N
ET
GRA
ND
TOTA
L
210,
785,
022
74,4
72,�
9�
1�6,
�12,
629
2,99
�,96
2,06
9 1,
4�4,
665,
216
1,55
9,29
6,85
�
8,54
4,75
5
8,5
44,7
55
8,5�
2,9�
8,70
6 �,
084,
254,
219
5,44
8,68
4,48
7
7,15
2,8�
8,72
4
2,16
5
2,16
5
4,9�
5
4,9�
5
�,26
1
�,26
1
112,
�85
112,
�85
122,
746
$$
24,2
12,5
99
24,2
12,5
99
4,2
86,4
5�
4,2
86,4
5� -
28,4
99,0
52
OFF
ICE
YEA
RLY
PREM
IUM
S
$ �,5�
1,19
5
�,5�
1,19
5
28,7
�4,4
90
28,7
�4,4
90
61,2
99
61,
299
206,
991,
899
206,
991,
899
2�9,
�18,
88�
N/A
N/A
N/A
N/A
59,6
52,�
8�
59,6
52,�
8�
(4,�
84,8
61)
(4,�
84,8
61)
412,
�88,
992
412,
�88,
992
522,
45�,
709
522,
45�,
709
990,
110,
22�
REPORT ON INSURANCE AND PENSIONS200
TABL
ES
SUM
MA
RY A
ND
VA
LUAT
ION
OF
POLI
CIES
OF
THE
SCO
TIA
LIFE
TRI
NID
AD
& T
OBA
GO
LIM
ITED
IN R
ESPE
CT
OF
LON
G-T
ERM
BU
SIN
ESS
AS
AT O
CTO
BER
�1, 2
005
TABL
E XX
IX
DES
CRIP
TIO
N O
F TR
AN
SAC
TIO
NS
$$
$
POLI
CIES
REG
ISTE
RED
IN T
RIN
IDA
D A
ND
TO
BAG
O
SUM
SA
SSU
RED
AN
D B
ON
USE
S
OFF
ICE
YEA
RLY
PREM
IUM
S
NET
YEA
RLY
PREM
IUM
S
NET
LIA
BILI
TYN
UM
BER
OF
POLI
CIES
$
INSU
RAN
CE P
OLI
CIES
Gro
up 5
- An
nuiti
esAp
prov
ed D
efer
rred
Ann
uitie
s
Gro
up 6
- O
ther
Lon
g Te
rm In
sura
nce
Busin
ess
Uni
vers
al
GRA
ND
TOTA
L
621
5,2
99
5,92
0
-
102
,507
,952
102,
507,
952
2,17
7,47
5
2�,
659,
870
25,8
�7,�
45
N/A
N/A
NET
YEA
RLY
PREM
IUM
S
1,4
86,5
84
79,
959,
060
81,4
45,6
44
REPORT ON INSURANCE AND PENSIONS 201
TABL
ES
TATI
L LI
FE A
SSU
RAN
CE L
IMIT
EDSU
MM
ARY
AN
D V
ALU
ATIO
N O
F PO
LICI
ES IN
RES
PEC
T O
F LO
NG
TER
M B
USI
NES
SA
S AT
DEC
EMBE
R �1
, 200
5
TABL
E XX
X
DES
CRIP
TIO
N O
F TR
AN
SAC
TIO
NS
NU
MBE
RO
FPO
LICI
ES
$
BON
USE
S
POLI
CIES
REG
ISTE
RED
IN T
RIN
IDA
D A
ND
TO
BAG
O
SUM
SIN
SURE
DO
FFIC
EYE
ARL
YPR
EMIU
MS
NET
YEA
RLY
PREM
IUM
S
NET
LIA
BILI
TY
INSU
RAN
CE P
OLI
CIES
Gro
up 1
- With
imm
edia
te P
artic
ipat
ion
in P
rofit
s
Add:
Ext
ra P
rem
ium
s
R
eser
ves f
or w
aive
r of p
rem
ium
ben
efit
Res
erve
for A
ccid
enta
l Dea
th N
ALAC
O
TOTA
L N
ET A
SSU
RAN
CES W
ITH
PRO
FITS
Gro
up �
-With
out P
artic
ipat
ion
in P
rofit
s
Add:
Ext
ra P
rem
ium
s
R
eser
ves f
or w
aive
r of p
rem
ium
ben
efit
Res
erve
s for
refu
nd o
f pre
miu
m b
enefi
t
R
eser
ve fo
r Acc
iden
tal D
eath
NAL
ACO
TOTA
L N
ET A
SSU
RAN
CES W
ITH
OU
T PR
OFI
TS
Gro
up 5
- Ann
uitie
s
TOTA
L N
ET A
NN
UIT
IES
Gro
up 6
- O
ther
Long
Term
Bus
ines
s
G
roup
Life
Insu
ranc
e
Ded
uct:
Rein
sura
nce
TOTA
L N
ET O
THER
LON
G TE
RM B
USI
NES
S
TOTA
L O
F TH
E RE
SULT
S AF
TER
DED
UCT
ION
OF
REIN
SURA
NCE
S
�,�5
8 - - -
�,�5
8
2�,0
57 - - - -
2�,0
57
10,8
4�
10,8
4�
100 -
100
�7,�
58
109,
048,
76� - - -
109,
048,
76�
�,02
6,98
4,20
2 - - - -
�,02
6,98
4,20
2
�07,
678,
171
�07,
678,
171
628,
02�,
169
�62,
290,
576
265,
7�2,
59�
�,70
9,44
�,72
9
$$
$$
$
�5,9
94,8
84 - - -
�5,9
94,8
84 - - - - - -
142,
�95
142,
�95 - - -
�6,1
�7,2
79
2,�5
2,99
9
�4,8
76 - -
2,�8
7,87
5
4�,�
04,2
77
466
,424
- - -
4�,7
70,7
01
�8,0
8�,7
7�
�8,0
8�,7
7�
4,88
�,22
0
1,��
0,74
2
�,55
2,47
8
87,7
94,8
27
2,�5
2,99
9 - - -
2,�5
2,99
9
4�,�
04,2
77 - - - -
4�,�
04,2
77 - - - - -
45,6
57,2
76
6�,5
71,�
71
�4,8
76
26,6
59
19,5
28
6�,6
52,4
�4
97,7
71,8
77
466,
424
775,
642
1,52
9,67
4 1�
1
100,
54�,
748
289,
169,
720
289,
169,
720
684,
514
221,
790
462,
724
45�,
828,
626
REPORT ON INSURANCE AND PENSIONS202
TABL
ES
VALU
ATIO
N B
ALA
NCE
SH
EET
OF
THE
LON
G T
ERM
INSU
RAN
CE O
F TA
TIL
LIF
E A
SSU
RAN
CE LT
D
AS
AT D
ECEM
BER
�1, 2
005
( IN
REP
ECT
OF
BUSI
NES
S D
ON
E IN
TRI
NID
AD
AN
D T
OBA
GO
ON
LY)
TABL
E XX
X co
ntin
ued
Net
liab
ilitie
s und
er p
olic
ies o
nRe
gist
er in
Trin
idad
& To
bago
at D
ecem
ber �
1, 2
005
Prov
ision
for p
aym
ent o
f Bo
nuse
s and
Div
iden
ds
Oth
er L
iabi
litie
s
Tran
sfer
from
the
indi
vidu
al O
rdin
ary
Life
F
und
to th
e G
roup
Life
Fun
d
Unr
ealis
ed In
vest
men
t Res
erve
Surp
lus
TOTA
L
(a) N
et L
iabi
litie
s und
er g
roup
busin
ess i
n Tr
inid
ad a
nd To
bago
at D
ecem
ber �
1, 2
005
Unr
ealis
ed In
vest
men
t Res
erve
Surp
lus
TOTA
L
$’00
0
�27,
752
1,57
5
119,
785
175
85,5
04
105,
��4
640,
125
$’00
0
126,
076
75,1
�0
21�,
�97
414,
60�
Valu
e of
indi
vidu
al in
sura
nce
fund
s as
show
n in
com
pany
acc
ount
s a
Dec
embe
r �1,
200
5 (e
xclu
ding
po
licy
hold
er d
epos
its)
TOTA
L
Valu
e of
gro
up fu
nds a
s sho
wn
in c
ompa
ny a
ccou
nts a
t Dec
embe
r �1,
20
05
Tr
ansf
er fr
om th
e in
divi
dual
Ord
inar
y Li
fe F
und
to th
e G
roup
Life
Fun
d
TO
TAL
$’00
0
640,
125
640,
125
$’00
0
414,
428
175
414,
60�
REPORT ON INSURANCE AND PENSIONS 20�
TABL
ES SUM
MA
RY A
ND
VA
LUAT
ION
OF
POLI
CIES
OF
THE
DEM
ERA
RA L
IFE
ASS
URA
NCE
CO
MPA
NY
OF
TRIN
IDA
D A
ND
TO
BAG
O L
IMIT
EDIN
RES
PEC
T O
F LO
NG
-TER
M IN
SURA
NCE
AS
AT D
ECEM
BER
�1, 2
005
TABL
E XX
XI
DES
CRIP
TIO
N O
F TR
AN
SAC
TIO
NS
NU
MBE
RO
FPO
LICI
ES
$
BON
USE
S
POLI
CIES
REG
ISTE
RED
IN T
RIN
IDA
D A
ND
TO
BAG
O
SUM
SA
SSU
RED
AN
D B
ON
USE
S
OFF
ICE
YEA
RLY
PREM
IUM
S
NET
YEA
RLY
PREM
IUM
S
NET
LIA
BILI
TY
INSU
RAN
CE P
OLI
CIES
Gro
up 1
- With
imm
edia
te p
artic
ipat
ion
in p
rofit
sLe
ss R
eins
uran
ce
TOTA
L N
ET IN
SURA
NCE
WIT
H P
ROFI
TS
Gro
up �
- With
out p
artic
ipat
ion
in p
rofit
sLe
ss R
eins
uran
ce
TOTA
L N
ET IN
SURA
NCE
WIT
HO
UT
PRO
FITS
Gro
up 4
- End
owm
ents
Less
Rei
nsur
ance
TOTA
L N
ET E
ND
OW
MEN
TS
Gro
up 5
- Ann
uitie
sLe
ss R
eins
uran
ce
TOTA
L N
ET A
NN
UIT
IES
TOTA
L AF
TER
DED
UCT
ION
OF
REIN
SURA
NCE
46�
-
46�
4�9
4�9
2�2
2�2
475
475
1,60
9
21,
2�7,
640
8,4
46,6
25
12,7
91,0
15
�4,0
15,0
00
16,�
71,5
00
17,6
4�,5
00
10,5
40,1
00
2,�5
9,00
0
8,18
1,10
0 - -
�8,6
15,6
15
$$
$$
$
7,2
�2,4
78
7,2�
2,47
8 0
�,69
4,87
6
�,69
4,87
6 -
10,9
27,�
54
469
,964
469,
964
571,
499
571,
499
299,
479
299,
479 - -
1,�4
0,94
2
469
,964
469,
964
571,
499
571,
499
299,
479
299,
479 - -
1,�4
0,94
2
14,1
49,4
24
(��5
,624
)
14,4
85,0
48
9,62
9,09
6 (6
29,8
88)
10,2
58,9
84
6,8
27,8
27
(11,
8�8)
6,8�
9,66
5
20,8
70,4
54
20,8
70,4
54
52,4
54,1
51
VA
LUAT
ION
BA
LAN
CE S
HEE
T O
F TH
E LO
NG
-TER
M IN
SURA
NCE
OF
DEM
ERA
RA L
IFE
ASS
URA
NCE
CO
MPA
NY
OF
TRIN
IDA
D A
ND
TO
BAG
OA
S AT
DEC
EMBE
R �1
, 200
5
Net
Lia
bilit
ies u
nder
Pol
icie
s on
Regi
ster
in Tr
inid
ad a
nd To
bago
Oth
er
Surp
lus (
if an
y)
TOTA
L
$’00
0
52,4
54,1
52 -
52,5
84,6
42
105,
0�8,
79
Bala
nce
of L
ong
Term
Fun
d pe
r Rev
enue
Acc
ount
Defi
cien
cy (i
f any
)
TO
TAL
$’00
0
105,
0�8,
794 -
105,
0�8,
794
REPORT ON INSURANCE AND PENSIONS204
TABL
ES
AN
NU
ITY
PEN
SIO
N F
UN
D P
LAN
S -
REVE
NU
E AC
COU
NT
- 200
5
TABL
E XX
XII
NA
ME
OF
PLA
NFU
ND
AT
THE
BEG
INN
ING
OF
PERI
OD
$
CON
TRIB
UTI
ON
S BY
A.S.
Bry
den
and
Sons
(Trin
idad
) Lim
ited
Pens
ion
Plan
Baro
ids T
rinid
ad S
ervi
ce L
imite
d Pe
nsio
nFu
nd P
lan
Coco
nut G
row
ers A
ssoc
iatio
n Pe
nsio
n Fu
nd
Plan
Laug
hlin
and
De
Gan
nes L
imite
d Pe
nsio
nFu
nd P
lan
Pent
a Pa
ints
Car
ibbe
an L
imite
d Pe
nsio
nFu
nd P
lan
The
Inco
rpor
ated
Trus
tees
of t
he A
nglic
anCh
urch
in th
e D
ioce
se o
f Trin
idad
and
Toba
go
GRA
ND
TOTA
L
Dep
osit
Adm
inist
ratio
n
Annu
ity
Gra
nd T
otal
Self
Adm
inist
ered
2�,6
70,�
58
27,
879,
585
20,
799,
491
72,�
49,4
�4
75�,
556,
�64
72,�
49,4
�4
825,
905,
798
1. 2. �. 4. 5. 6.
EMPL
OYE
RS
$
1,08
4,51
2 - -
1,08
4,51
2
24,4
�7,5
16
1,08
4,51
2
25,5
22,0
28
215,
760,
797
EMPL
OYE
ES
$ 401,
�97
279
,854
2,8
80
684,
1�1
14,6
51,4
09
684,
1�1
15,�
�5,5
40
12�,
470,
569
AD
DIT
ION
AL
CON
TRIB
UTI
ON
S BY
EMPL
OYE
RSTO
MEE
TD
EFIC
IEN
CY
$
- - - -
6�,
000 -
6�,0
00
INTE
REST
S,D
IVID
END
SA
ND
REN
TS
$
1,6�
7,65
2
1,8
68,5
49
1,4
�2,7
75
4,9�
8,97
6
54,8
69,4
70
4,9
�8,9
76
59,8
08,4
46
OTH
ERIN
COM
ETO
BE
SPEC
IFIE
D
$
- - - -
17,0
�9,1
�� -
17,0
�9,1
��
TOTA
LRE
VEN
UE
$
26,7
9�,9
19
�0,
027,
988
22,2
�5,1
46
79,0
57,0
5�
864,
616,
892
79,0
57,0
5�
94�,
67�,
945
PEN
SIO
NS
TORE
TIRE
DEM
PLO
YEES
$
1,67
1,71
4 -
617
,882
2,28
9,59
6
16,9
58,5
98
2,28
9,59
6
19,2
48,1
94
RETI
REM
ENT
GRA
TUIT
IES
$
- - - -
5,�
14,�
79 -
5,�1
4,�7
9
TOTA
L
$
1,67
1,71
4 -
617
,882
2,28
9,59
6
22,2
72,9
77
2,28
9,59
6
24,5
62,5
7�
DEA
THG
RAN
TS
$
- - - -
1,2
�9,8
82 -
1,2�
9,88
2
RETU
RN O
FCO
NTR
IBU
TIO
NO
NW
ITH
DRA
WA
L
$ 107,
�17
78,
659 -
185,
976
�,86
9,11
1
185,
976
4,05
5,08
7
OTH
EREX
PEN
DIT
URE
(TO
BE
SPEC
IFIE
D)
$ 256,
�06
94,
�75
20�
,97�
554,
654
5,26
1,�8
1
554,
654
5,81
6,0�
5
TOTA
LEX
PEN
DIT
URE
$
2,0�
5,��
7
17�
,0�4
821
,855
�,0�
0,22
6
�2,6
4�,�
51
�,0�
0,22
6
�5,6
7�,5
77
FUN
DS
AT E
ND
OF
PERI
OD
$
24,7
58,5
82
29,
854,
954
21,
41�,
291
76,0
26,8
27
8�1
,97�
,541
76,0
26,8
27
908,
000,
�68
REPORT ON INSURANCE AND PENSIONS 205
NA
ME
OF
PLA
NFU
ND
AT
THE
BEG
INN
ING
OF
PERI
OD
$
CON
TRIB
UTI
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OYE
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$
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$
AD
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CON
TRIB
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$
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$
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BE
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$
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$
FUN
DS
AT E
ND
OF
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$
Albr
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Lim
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Staff
Pen
sion
Plan
All T
rinid
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ugar
and
Gen
eral
Fa
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y Wor
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e U
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an
Alst
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d Pe
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lan
Anth
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N. S
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Lim
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tters
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gert
& So
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Wrig
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Pla
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Mut
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Soc
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Plan
(Now
PP
for E
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s of S
agico
r Life
In
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Bel A
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tern
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nsio
n Pl
an
Berg
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aint
s Trin
idad
Ltd.
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kly
Paid
Pens
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Fund
Pla
n
Berm
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d. P
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misi
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lan
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Lim
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Gen
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ff Pe
nsio
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an
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bean
Bul
k Sto
rage
Trad
ing
Com
pany
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mite
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lan
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Pac
kagi
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dust
ry L
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nd P
lan
for S
enio
r Sta
ff Em
ploy
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Carib
bean
Pac
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dust
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lan
for J
unio
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Lim
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Pens
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Plan
Cent
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d. P
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Clico
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td. S
taff
Pens
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Fund
Pla
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8,95
7,52
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TABL
ESD
EPO
SIT
AD
MIN
ISTR
ATIO
N P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT
- 200
5
TABL
E XX
XIII
SU
PERA
NN
UAT
ION
BEN
EFIT
S
REPORT ON INSURANCE AND PENSIONS206
TABL
ESD
EPO
SIT
AD
MIN
ISTR
ATIO
N P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT
- 200
5
TABL
E XX
XIII
cont
inue
d
NA
ME
OF
PLA
NFU
ND
AT
THE
BEG
INN
ING
OF
PERI
OD
$
CON
TRIB
UTI
ON
S BY
EMPL
OYE
RS
$
EMPL
OYE
ES
$
AD
DIT
ION
AL
CON
TRIB
UTI
ON
S BY
EMPL
OYE
RSTO
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TD
EFIC
IEN
CY
$
INTE
REST
S,D
IVID
END
SA
ND
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TS
$
OTH
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COM
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BE
SPEC
IFIE
D
$
TOTA
LRE
VEN
UE
$
PEN
SIO
NS
TORE
TIRE
DEM
PLO
YEES
$
RETI
REM
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GRA
TUIT
IES
$
TOTA
L
$
DEA
THG
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TS
$
RETU
RN O
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L
$
OTH
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PEN
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(TO
BE
SPEC
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D)
$
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$
FUN
DS
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ND
OF
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$
Brou
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taff
Pen
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Pla
n
Coat
es B
roth
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Lim
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Fund
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Fire
and
Gen
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nd P
lan
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Life
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(Trin
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sion
Plan
Die
go M
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p.
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ff Pe
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(Mon
thly
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dad)
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Pla
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678
SU
PERA
NN
UAT
ION
BEN
EFIT
S
REPORT ON INSURANCE AND PENSIONS 207
TABL
ESD
EPO
SIT
AD
MIN
ISTR
ATIO
N P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT
- 200
5
TABL
E XX
XIII
cont
inue
d
NA
ME
OF
PLA
NFU
ND
AT
THE
BEG
INN
ING
OF
PERI
OD
$
CON
TRIB
UTI
ON
S BY
EMPL
OYE
RS
$
EMPL
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ES
$
AD
DIT
ION
AL
CON
TRIB
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ON
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INTE
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END
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$
OTH
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COM
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BE
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$
TOTA
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$
PEN
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$
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REM
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$
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$
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$
FUN
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$
Brou
ght F
orw
ard
J.N. H
arrim
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nd C
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n Fu
nd P
lan
John
son
and
John
son
T’dad
Ltd.
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ffPe
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lan
Jose
ph C
harle
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tling
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ks -
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n
J.T.A
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halt
of T
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and
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of T
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00,�
58
924
,�55
4,28
0,17
7
1,62
6,�5
5
75�,
556,
�64
22,7
�2,�
21 -
1,1�
9,51
4
41,
7�0
42,2
1�
481
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24,4
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16
14,2
50,0
92 -
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591
41,
7�0
41,9
96 -
14,6
51,4
09
6�,0
00 - - - - -
6�,0
00
52,2
�0,6
1�
526,
156
1,58
1,92
2
86,
�72
�2�,
084
121,
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54,8
69,4
70
17,0
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�� - - - - -
17,0
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828,
776,
129
8,29
0,�0
5
19,5
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85
1,0
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87
4,68
7,47
0
2,22
9,41
6
864,
616,
892
16,8
17,5
81
141,
017 - - - -
16,9
58,5
98
5,22
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5
89,
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22,2
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9,28
5
2,79
5
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18,2
86 -
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1
4,9�
9,�1
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158,
266
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094
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04
14,6
54
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50
5,26
1,�8
1
�2,0
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54
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464
150,
8�9
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04
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40
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50
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4�,�
51
796,
747,
075
7,89
6,84
1
19,�
88,5
46
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4,65
4,5�
0
2,19
6,06
6
8�1,
97�,
541
SU
PERA
NN
UAT
ION
BEN
EFIT
S
REPORT ON INSURANCE AND PENSIONS 211
TABL
ESD
EPO
SIT
AD
MIN
ISTR
ATIO
N P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT
- 200
5
TABL
E XX
XIV
NA
ME
OF
PLA
N
Trin
idad a
ndTo
bago
gove
rnme
nTSe
curiT
ieSde
noTe
d in
T.T. $ $
morT
gage
S
$
real
eS
TaTe $
Trin
idad a
ndTo
bago
equi
TieS
$
Fixed
depo
SiT $
oThe
rTr
inida
d and
Toba
goaS
SeTS $
Trin
idad a
ndTo
bago
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy
$
Trin
idad &
Toba
gogo
vern
menT
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy$
10%
carr
icom:
equi
Ty $
10%
carr
icom:
gove
rnme
nT
$
10%
ca
rrico
m:oT
her
$
ToTa
llo
cal
aSSe
TS $
90%
carr
icom:
equi
Ty $
90%
carr
icom:
gove
rnme
nT
$
90%
carr
icom:
oThe
r
$
Fore
ign
gove
rnme
nTSe
curiT
ieS
$
oThe
rFo
reig
nSe
curiT
ieS
$
Fore
ign
equi
Ty $
ToTa
lFo
reig
naS
SeTS $
ToTa
laS
SeTS
in Fu
nd $
ToTa
llo
cal
aSSe
Tra
Tio $
loca
l eq
uiTy $
100%
carr
icom:
equi
Ty $
100%
carr
icom:
gove
rnme
nT
$
100%
carr
icom:
oThe
r
$
Agos
tini I
nsur
ance
Bro
kers
Lim
ited
Pens
ion
Fund
Pla
n
Agos
tini’s
Lim
ited
Retir
emen
t Pla
n
Airp
orts
Aut
horit
y of
Trin
idad
&
Toba
go P
ensio
n Pl
an
ANSA
Mc
Al L
td. P
ensio
n Fu
nd P
lan
Asso
ciat
ed B
rand
s Lim
ited
Gro
upPe
nsio
n Pl
an
Atla
ntic
LN
G P
ensio
n Pl
an
Bank
of C
omm
erce
T’d
ad &
T’go
Lim
ited
Retir
emen
t Pla
n
Baw
odes
Pen
sion
Fund
Pla
n
Berg
er P
aint
s T’d
ad L
td.
Pens
ion
Plan
(F
or M
onth
ly P
aid
Empl
oyee
s)
BPTT
LLC
Pen
sion
Plan
Briti
sh A
mer
ican
Insu
ranc
e Co
.(T
’dad
) Lim
ited
Pens
ion
Fund
Pla
n
Briti
sh G
as Tr
inid
ad L
imite
dPe
nsio
n F
und
Plan
BWIA
Pilo
ts P
ensio
n Pl
an
Carib
bean
Indu
stria
l Res
earc
hIn
stitu
te P
ensio
n Fu
nd P
lan
Carib
bean
Ispa
t Lim
ited
Empl
oyee
s Pe
nsio
n Pl
an
Cent
ral B
ank
of T
’dad
& T
’go
Pens
ion
Fund
Pla
n
Citib
ank
of (T
’dad
&T’
go)
Lim
ited
Pens
ion
Fund
Coca
Col
a Bo
ttlin
g (T
’dad
&T’
go) P
ensio
n Pl
an
Cons
olid
ated
Insu
ranc
eCo
nsul
tant
s Ltd
.Pe
nsio
n Fu
nd P
lan
Coop
ers a
nd L
ybra
nd
Pen
sion
Fund
Pla
n
Cour
ts Tr
inid
ad L
imite
dPe
nsio
n Pl
an
Cuna
Car
ibbe
an In
sura
nce
Soci
ety
Pens
ion
Fund
Dev
elop
men
t Fin
ance
Lim
ited
Pens
ion
Fund
Pla
n
EOG
Res
ourc
es Tr
inid
ad L
td.
Pens
ion
Fund
Pla
n
E &
Y Se
rvic
es L
imite
dPe
nsio
n Sc
hem
e
Carr
y F
orw
ard
1 2 � 4 5 6 7 8 9 10
11
12
1�
14
15
16
17
18
19
20
21
22
2�
24
25
6,955
,807
9,261
,�88
5,16�
,621
2,500
,468
15,89
8,��0
1,525
,26�
1,80
0,700
1,�40
,595
12,15
4,674
54,11
0,916
16,44
2,9�0
1,420
,268
6,�40
,649
1,162
,090
1,9�4
,051
1,684
,541
2,240
,97�
1,056
,888
2,108
,007
145,1
02,15
9
- -
1,170
,177
��4,1
72
5,240
,��8 - - -
45,47
6
10,59
5,262
181,8
81 -
�90,8
81 - - -
1,11
9,162
- -
19,07
7,�49
- - - - - - - - -
- - - - - - - - - - -
25,11
4,284
�0,58
2,004
18,9�
�,4�1
16,27
4,�27
74,05
7,828
-
5,52
4,780
4,914
,979
76,06
0,619
248,8
25,55
2
25,98
6,108
5,612
,655
47,01
7,51�
2,268
,574
6,216
,817
14,66
�,476
1�,25
0,797
4,171
,726
14,77
8,�10
6�4,2
5�,78
0
6,448
,659 - - -
5,694
,659 -
�,8�
4,820
4,5�0
,�15
1,025
,000
75,�0
1,570
-
586,7
74
�,42
2,000
-
199,1
59 - -
1,150
,977
�,689
,481
105,8
8�,41
4
15,76
4,400
�5,�9
7,991
21,24
5,5�0
15,00
6,20�
79,9�
4,�50
6,450
,469
1,61
4,�56
6,948
,�56
�9,��
0,98�
177,4
�6,12
8
18,55
8,404
8,�50
,998
28,67
1,747
11,22
6,981
8,�46
,279
11,80
5,240
16,07
7,5�2
1,866
,952
8,641
,984
512,6
74,88
�
89,80
�
1,576
,986
1,606
,727
2,724
,955
1,904
,641 - -
68,84
9.00
1,5�
9,817
1,281
,248
65�,1
79 -
6,�72
,�04 -
89,80
�
966,7
78
1,004
,2�2
85,59
8
68,47
9
20,0�
�,�99
510,9
92 -
��7,6
97
��7,6
97
2,856
,188 - - - -
�,787
,4�5
6,7�2
,076 -
676,6
�8 -
99,7�
1
270,6
55
675,�
94 -
1,919
,01�
18,20
�,516
148,6
50
82,99
0
459,4
�0
299,6
70
525,1
18 -
5�8,5
45
�2,97
4 -
1,70
5,295
472,5
70
�8,12
8 -
68,02
0
46,47
4 -
��2,5
6�
�1,55
0
105,2
81
4,887
,257
-
12,50
�
154,�
20
114,0
8�
1�2,0
05 -
299,4
44
�1,20
4 -
1�4,1
95
12�,�
8� - -
64,68
0 - - -
25,95
5
15,�7
5
1,107
,147
- -
151,0
82
57,80
9 - - -
��,98
1 -
415,�
97
14,86
4 - - - - - - - -
67�,1
�2
55,0�
2,595
76,91
�,862
49,22
2,016
�7,64
9,�8�
186,2
4�,45
6
7,97
5,7�2
1�,61
2,644
17,90
1,25�
1�0,1
56,56
9
57�,5
92,99
8
69,16
5,�95
16,00
8,82�
92,89
1,7�2
14,79
0,�45
16,9�
2,�14
29
,�90,6
90
�4,70
0,65�
8,�8
9,646
�1,�2
5,9�0
1,461
,896,0
�6
1,��
7,852
746,9
10
4,1�
4,870
2,69
7,0�0
4,72
6,058
-
4,84
6,901
296,7
67 -
15,�4
7,654
4,25
�,1�0
�4�,1
5� -
612,1
81
418,2
67 -
2,99
�,065
28�,9
46
947,5
�1
4�,98
5,�15
-
112,5
24
1,�8
8,884
1,02
6,744
1,18
8,042
-
2,69
4,992
280,8
�8 -
1,20
7,759
1,11
0,445
- -
582,1
20 - - -
2��,5
95
1�8,�
77
9,964
,�19
- -
1,�5
9,7�9
520,2
77 - - -
�05,8
28 -
�,7�
8,569
1��,7
77 - - - - - - - -
6,058
,190
- - - - - - - - - -
2,860
,2�6 - -
286,7
87 - - -
�,147
,02�
- - - -
2,86
0,�52
- - - - - - -
18�,6
05 - - -
�,04�
,957
4,664
,292
951,4
4�
1,650
,6�0
2,�14
,6�4
20,26
6,�5�
-
994,9
05
2,777
,877
46,��
0,�24
4,754
,769
896,�
82
7,11
4,�82
797,7
91
1,�44
,082
521,7
00 -
600,4
42
�,521
,255
99,50
1,261
6,002
,144
1,810
,877
8,5�4
,12�
6,558
,686
29,04
0,806
-
7,541
,892
1,878
,��8
2,777
,877
66,62
4,�05
10,25
2,121
1,2�9
,5�5
9,974
,618
1,992
,092
1,762
,�49
992,0
92
2,99�
,065
1,117
,98�
4,607
,16�
165,7
00,06
5
61,0�
4,7�9
78,72
4,7�9
57,75
6,1�8
44,20
8,069
215,2
84,26
2
7,975
,7�2
21,15
4,5�6
19,77
9,591
1�2,9
�4,44
6
640,2
17,�0
�
79,41
7,516
17,24
8,�58
102,8
66,�5
0
16,78
2,4�7
18,69
4,66�
�0,�8
2,782
�7,69
�,718
9,507
,629
�5,9�
�,09�
1,627
,596,1
01
90.17
97.70
85.22
85.16
86.51
100.0
0
64.�5
90.50
97.91
89.59
87.09
92.81
90.�0
88.1�
90.57
96.7�
92.06
88.24
87.18
89.82
41
�9
��
�7
�4 0 26
25
57
�9
��
��
46
14
��
48
�5
44
41
�9
1,486
,502
829,9
00
4,594
,�00
2,996
,700
1,29�
,640
5,251
,176 -
5,�85
,445
�29,7
41 -
17,05
2,949
4,725
,700
�81,2
81 -
680,2
01
464,7
41 -
�,�25
,628
�15,4
96
1,052
,812
50,16
6,212
-
125,0
27
1,54�
,204
1,140
,827
520,0
69
1,�20
,047 -
208,0
28
8,622
,858
2,994
,4�5
�12,0
42 -
1,�41
,954
1,2��
,828 - -
646,8
00 - - -
259,5
50
15�,7
52
20,42
2,421
- -
1,510
,821
578,0
86 - - -
497,�
8� -
��9,8
09 -
4,15�
,965
148,6
41 - - - - - - - -
7,228
,705
REPORT ON INSURANCE AND PENSIONS212
TABL
ESD
EPO
SIT
AD
MIN
ISTR
ATIO
N P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT
- 200
5
TABL
E XX
XIV
cont
inue
d
NA
ME
OF
PLA
N
Trin
idad a
ndTo
bago
gove
rnme
nTSe
curiT
ieSde
noTe
d in
T.T. $ $
morT
gage
S
$
real
eS
TaTe $
Trin
idad a
ndTo
bago
equi
TieS
$
Fixed
depo
SiT $
oThe
rTr
inida
d and
Toba
goaS
SeTS $
Trin
idad a
ndTo
bago
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy
$
Trin
idad &
Toba
gogo
vern
menT
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy$
10%
carr
icom:
equi
Ty $
10%
carr
icom:
gove
rnme
nT
$
10%
ca
rrico
m:oT
her
$
ToTa
llo
cal
aSSe
TS $
90%
carr
icom:
equi
Ty $
90%
carr
icom:
gove
rnme
nT
$
90%
carr
icom:
oThe
r
$
Fore
ign
gove
rnme
nTSe
curiT
ieS
$
oThe
rFo
reig
nSe
curiT
ieS
$
Fore
ign
equi
Ty $
ToTa
lFo
reig
naS
SeTS $
ToTa
laS
SeTS
in Fu
nd $
ToTa
llo
cal
aSSe
Tra
Tio $
loca
l eq
uiTy $
100%
carr
icom:
equi
Ty $
100%
carr
icom:
gove
rnme
nT
$
100%
carr
icom:
oThe
r
$Br
ough
t For
war
d
Ferre
ira O
ptic
al L
imite
d Pe
nsio
n Fu
nd P
lan
Firs
t Citi
zens
Ban
k Pe
nsio
n Pl
an
Guy
ana
and
Trin
idad
Mut
ual F
ire
Insu
ranc
e Co
mpa
nyPe
nsio
n Fu
nd P
lan
Han
d Ar
nold
(Trin
idad
) Lim
ited
Pens
ion
Fund
Pla
n
H. S
. Ser
vice
s Ltd
. Pen
sion
Fund
Pla
n
Hyd
ro A
gri T
rinid
ad L
imite
d H
ourly
Paid
Em
ploy
ees’
Pens
ion
Plan
Hyd
ro A
gri T
rinid
ad L
imite
dSa
larie
d Em
ploy
ees’
Pens
ion
Plan
Indu
stria
l Age
ncie
s Ltd
.Pe
nsio
n Fu
nd
I.B.M
. Non
-Con
trib
utor
y Pe
nsio
n Fu
nd P
lan
Leve
r Bro
ther
s Wes
t Ind
ies L
imite
dPe
nsio
n Fu
nd P
lan
Man
dev
Qua
lass
ure
Pens
ion
Fund
Pla
n
Meg
a In
sura
nce
Com
pany
Lim
ited
Pens
ion
Pla
n
MTS
Pen
sion
Fun
d Pl
an
Nat
iona
l Gas
Com
pany
Pen
sion
Fund
Pla
n
Nat
iona
l Ins
uran
ce B
oard
Pen
sion
Fund
Pla
n
Nat
iona
l Ins
uran
ce P
rope
rty
Dev
. Co.
Ltd
. Pen
sion
Fund
Pla
n
Nat
iona
l Uni
on o
f G
over
nmen
t and
Fe
dera
ted
Wor
kers
Ele
cted
Offi
cers
Pe
nsio
n F
und
Plan
Nat
iona
l Uni
on o
f G
over
nmen
t and
Fe
dera
ted
Wor
kers
Sta
ffPe
nsio
n F
und
Plan
Nea
l & M
assy
Gro
upPe
nsio
n Fu
nd P
lan
Nes
tle Tr
inid
ad a
nd To
bago
Lim
ited
Pens
ion
Pla
n
Nes
tle Tr
inid
ad a
nd To
bago
Lim
ited
Uni
onise
d Em
ploy
ees’
Pen
sion
Pla
n
Nih
erst
Pen
sion
Fund
Pla
n
PCS
Nitr
ogen
Trin
idad
Lim
ited
Pens
ion
Fund
Pla
n 1
( For
mer
ly A
rcad
ian
Trin
idad
)
PCS
Nitr
ogen
Trin
idad
Lim
ited
Pens
ion
Fun
d Pl
an 2
(Fo
rmer
ly
Trin
idad
and
Toba
go U
rea)
Pheo
nix
Park
Gas
Trin
idad
Lim
ited
Staff
Pen
sion
Fund
Pla
n
Car
ry F
orw
ard
26
27
28
29
�0
�1
�2
��
�4
�5
�6
�7
�8
�9
40
41
42
4�
44
45
46
47
48
49
50
145,1
02,15
9
1,165
,250
72,44
�,�52
2,542
,416
4,262
,896
2,4�8
,600
27,52
2,8�7
2,60
4,115
625,�
7�
52,�9
5,09�
4,196
,9�1
1,065
,�77
2,517
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40,92
1,058
2,514
,8�8
15,17
6,�17
2,822
,847
�,6�5
,881
�80,�
16,79
6
19,07
7,�49
1,651
,1�4
1,86
7,702
1,017
,997
648,7
74 - -
574,7
�2 -
560,8
1� - - -
11,06
2,764
-
4,719
,671 -
180,4
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41,18
0,9�6
- - - - - - - - - - - - - - - - - - -
6�4,2
5�,78
0
4,740
,862
�25,4
2�,62
8
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0,272
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-
78,68
�,�17
11,70
0,�60
69,41
�,525
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24,68
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25,89
�,96�
795,6
42
10,51
5,68�
685,0
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8,�05
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49,57
9
8,246
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9,740
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2,41
6,456
,246
105,8
8�,41
4 -
2,72
7,796
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14,28
�,688
-
15,22
7,490
4,428
,228
�15,0
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597,5
44
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0,000
1,118
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154,5
82,0�
8
512,6
74,88
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2,997
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200,1
71,89
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22,67
5,875
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1,685
60,7�
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2,789
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40,97
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1�,56
1,689
878,�
77
10,48
8,085
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02,62
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10,76
8,144
146,9
82,74
2
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,�09
10,0�
9,146
1,677
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86
20,0�
�,�99
862,4
51
22,97
9,478
2,565
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547,5
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508,8
42
1,25
6,107
477,0
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5,6�8
,091
1,29
7,785
-
41,46
6
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9,858
78�,8
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26,92
5,1��
802,6
45
1,480
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121,4
89,21
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��8,�
19
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5,997
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12,01
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55,91
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10,76
4,472
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,970 - -
51,56
0,029
4,887
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60
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91,94
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2,26
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8,675
186,0
75
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2
40,20
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20,06
0
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1�2,0
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10,91
4,407
1,107
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25,77
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1,26
�,517
180,4
79
207,5
21 -
1�0,5
62
97,�8
8
16,�0
8
2�5,2
45
1�,04
1
7,28
1
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4,87
4
446,�
85
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61,55
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67�,1
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9,56
2.10
59,06
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186,4
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17,95
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19,97
9
1,�01
,954
1,461
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11,62
9,582
627,6
91,12
8
60,68
6,205
59,66
9,726
�7,81
0,285
188,1
�8,65
1
26,91
6,240
205,1
78,26
7
629,�
46,21
0
45,46
4,484
2,77
5,019
24,25
9,489
1,10
6,01�
,884
2�,51
6,219
�28,6
98,7�
4
19,0�
9,115
25,29
0,524
4,858
,729,2
71
4�,98
5,�15
479,2
50
7,�2
�,840
�,68
4,015
1,20
9,600
-
827,5
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945,9
18
20,42
9,127
10,87
8,075
1,67
4,675
255,0
78
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180,5
40
5,99
4,900
-
1,18
8,�15
98,22
9,667
9,964
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11,�7
1,65�
1,62
4,�09
1,86
7,692
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1,17
5,056
876,4
95
146,7
70
2,11
7,208
117,�
69
65,52
9
29,�5
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4�,86
2
4,01
7,464
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55�,9
61
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1,870
6,058
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86,05
9
5�1,5
52 -
1,67
7,71�
161,5
46 - - - - - - -
�,20
2,5�1
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179,8
08
11,71
7,590
�,147
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19,19
9,449
- - - -
22,�4
6,472
�,04�
,957 - - - - - - - - - - - - - - - - -
�,04�
,957
99,50
1,261
268,1
47
15,52
5,475
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2,667
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10,8�
5,499
24,02
6,61�
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6,49�
15,�6
1,644
67�,5
09
147,7
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150,1
26
18,6�
5,�17
264,8
95
21,28
0,489
1,992
,014
1,586
,086
2�6,2
94,60
0
165,7
00,06
5
979,�
50
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0,968
6,�24
,5�0
6,276
,69�
10,8�
5,499
27,70
6,916
2,�11
,296
44,28
2,�90
28,�5
6,927
2,465
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468,�
90
541,2
80
�7,8�
4,766
489,2
97
�4,49
5,�84
2,�24
,850
�,508
,170
405,6
14,15
5
1,627
,596,1
01
12,60
8,9�2
661,9
12,09
6
67,01
0,7�5
65,94
6,419
48,64
5,784
215,8
45,56
6
29,22
7,5�6
249,4
60,65
7
657,7
0�,1�
7
47,9�
0,0�7
�,24�
,409
24,80
0,769
1,14�
,848,6
50
24,00
5,515
�6�,1
94,11
8
21,�6
�,965
28,79
8,694
5,264
,�4�,4
26
89.82
92.2�
94.8�
90.56
90.48
77.7�
87.16
92.09
82.25
95.69
94.86
85.56
97.82
96.69
97.96
90.50
89.12
87.82
92.�0
�9
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49
45
47 0 �6
40
28
55
54
25
42
60
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46
50,16
6,212
5�2,5
00
8,1�7
,600
4,09�
,�50
1,�44
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919,4
82
1,051
,020
22,69
9,0�0
12,08
6,750
1,860
,750
28�,4
20
402,0
00 -
200,6
00
6,661
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1,�20
,�50
110,4
�7,71
4
20,42
2,421
257,7
26
12,6�
5,170
1,804
,788
2,075
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1,�05
,618
97�,8
8�
16�,0
78
2,�52
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1�0,4
10
72,81
0
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6 -
48,7�
5
4,46�
,849
�69,8
18
615,5
12
47,10
8,588
7,228
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95,62
1
590,6
1� -
1,864
,125
179,4
95 - - - - - - -
�,558
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199,7
87
1�,51
6,927
REPORT ON INSURANCE AND PENSIONS 21�
TABL
ESD
EPO
SIT
AD
MIN
ISTR
ATIO
N P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT
- 200
5
TABL
E XX
XIV
cont
inue
d
NA
ME
OF
PLA
N
Trin
idad a
ndTo
bago
gove
rnme
nTSe
curiT
ieSde
noTe
d in
T.T. $ $
morT
gage
S
$
real
eS
TaTe $
Trin
idad a
ndTo
bago
equi
TieS
$
Fixed
depo
SiT $
oThe
rTr
inida
d and
Toba
goaS
SeTS $
Trin
idad a
ndTo
bago
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy
$
Trin
idad &
Toba
gogo
vern
menT
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy$
10%
carr
icom:
equi
Ty $
10%
carr
icom:
gove
rnme
nT
$
10%
ca
rrico
m:oT
her
$
ToTa
llo
cal
aSSe
TS $
90%
carr
icom:
equi
Ty $
90%
carr
icom:
gove
rnme
nT
$
90%
carr
icom:
oThe
r
$
Fore
ign
gove
rnme
nTSe
curiT
ieS
$
oThe
rFo
reig
nSe
curiT
ieS
$
Fore
ign
equi
Ty $
ToTa
lFo
reig
naS
SeTS $
ToTa
laS
SeTS
in Fu
nd $
ToTa
llo
cal
aSSe
Tra
Tio $
loca
l eq
uiTy $
100%
carr
icom:
equi
Ty $
100%
carr
icom:
gove
rnme
nT
$
100%
carr
icom:
oThe
r
$Br
ough
t For
war
d
Poin
t Lisa
s Ind
ustr
ial D
evel
opm
ent
Corp
orat
ion
Pens
ion
Fund
Pla
n
Port
Aut
horit
y of
Trin
idad
and
Toba
go
(Dai
ly/W
eekl
y) P
ensio
n Fu
nd P
lan
Port
Aut
horit
y of
Trin
idad
and
Toba
go(M
onth
ly P
aid)
Pen
sion
Fund
Pla
n
Pric
ewat
erho
use
Coop
ers
Pens
ion
Plan
RBTT
Pen
sion
Plan
Regi
onal
Hea
lth A
utho
rity
Pens
ion
Plan
Repu
blic
Ban
k Lt
d. P
ensio
n Fu
nd P
lan
Scot
iaba
nk Tr
inid
ad a
nd T
obag
o L
td.
Pens
ion
Fund
Pla
n
Serv
ol L
imite
d Pe
nsio
n Fu
nd P
lan
Tele
com
mun
icat
ions
Ser
vice
s of T
’dad
&T’g
o Li
mite
d Pe
nsio
n Fu
nd P
lan
Texa
co (T
rinid
ad) L
imite
d St
affRe
tirem
ent P
lan
The
Dem
erar
a Li
fe A
ssur
ance
Co.
of
Trin
idad
and
Toba
go L
imite
d Sa
les
Staff
Pen
sion
Fund
Pla
n
The
Hom
e M
ortg
age
Bank
Pen
sion
Fund
Pla
n
The
Mer
cant
ile B
anki
ng a
nd F
inan
cial
Corp
orat
ion
Lim
ited
Pens
ion
Fund
Pla
n
Thom
as P
eake
& C
ompa
ny L
imite
d Pe
nsio
n Pl
an
Trin
idad
Bui
ldin
g an
d Lo
anAs
soci
atio
nPe
nsio
n Fu
nd P
lan
Trin
idad
Cem
ent L
imite
d Em
ploy
ees
Pens
ion
Fund
Trin
idad
Hilt
on L
imite
dPe
nsio
n Fu
nd P
lan
Trin
idad
and
Toba
go E
lect
ricity
Co
mm
issio
n Pe
nsio
n Fu
nd P
lan
Trin
idad
and
Toba
go E
lect
ricity
Co
mm
ision
Pro
vide
nt F
und
Trin
idad
and
Toba
go E
xter
nal T
ele-
Com
mun
icat
ions
Com
pany
Lim
ited
Pen
sion
Fund
Pla
n
Trin
idad
and
Toba
go M
etha
nol C
o.Pe
nsio
n Fu
nd P
lan
T’da
d &
T’go
Nat
iona
l Pet
role
um
Mar
ketin
g Co
mpa
ny L
td.
Cont
ribut
ory
Pens
ion
Plan
1
T’da
d &
T’go
Nat
iona
l Pet
role
um
Mar
ketin
g Co
mpa
ny L
td.
Cont
ribut
ory
Pen
sion
Plan
11
Trin
toc
Lim
ited
Cont
ribut
ory
Pens
ion
Pla
n ‘A
’
Carr
y F
orw
ard
51
52
5�
54
55
56
57
58
59
60
61
62
6�
64
65
66
67
68
69
70
71
72
7�
74
75
�80,�
16,79
6
11,05
9,840
-
�2,81
�,478
18�,4
10,69
2
66,�1
�,7�5
588,7
00
��,81
8,661
4,5�4
,5�8
�9,79
6
1,046
,572
1,478
,��5
1,891
,0�7
��,5�
8,147
4,192
,144
87,68
5,771
-
46,57
�,885
7,56
4,774
10,99
6,22�
17,24
6,066
60,48
8,��5
985,5
97,52
5
41,18
0,9�6
- -
�01,8
91
21,8�
8,748
12,51
5,920
-
2,102
,206 - - - - -
1�,2�
1,8�1
-
109,5
01,51
8 -
11,56
0,627
629,7
02 -
5,�68
,92�
15,86
0,2�8
2�4,0
92,54
0
- - - -
4,98�
,72�
15,94
7,�4�
- - - - - - - - - - - - - - - -
20,9�
1,066
2,416
,456,2
46
9,1�2
,�70
1,64
1,4��
-
902,7
50,74
4
1�1,9
86,45
6
9,114
,178
215,5
27,55
6
19,85
9,99�
6,549
,498
55,80
0
8,769
,79�
8,958
,569
285,7
17,45
8
24,04
5,086
2,2��
,461,9
78 -
240,9
59,11
5
12,80
1,745
8�,96
1,549
92,82
8,859
�98,9
0�,54
6
7,10�
,481,9
72 15
4,582
,0�8
1,500
,000 - -
�29,5
67,4�
1
6,000
,000 -
20,04
9,584
1,771
,897 - -
5�,00
1 -
69,22
1,25�
6,284
,874
105,8
82,�4
9 - -
107,2
28,92
5
17,88
�,402
- - 82
0,024
,754
1,677
,151,8
86
27,66
8,906
27,9�
4,25�
99,72
0,��7
5��,9
0�,22
4
1�7,�
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2
7,121
,785
94�,4
85,82
7
12,45
6,902
4,899
,278
1,5�6
,512
8,264
,964
6,5�5
,840
1�0,7
11,22
0
17,99
7,969
708,6
78,�1
6
11,07
9,5�6
1�9,5
62,51
6
12,79
8,0�5
6�,46
4,175
90,12
0,189
228,5
87,55
6
4,891
,011,7
78 12
1,489
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�,12�
,281
7,22
9,900
-
27,77
4,5�9
�06,0
42 - -
44,90
2 -
2,800
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28,9�
0,420
-
1,821
,991
12,25
4,857
�1,96
7,058
2�7,7
42,25
6
10,91
4,407
184,2
60 - -
7,15
8,��7
- - -
148,2
50 -
- 1
0,500
.00
6�,09
5 -
1,80
2,8�7
149,9
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20,02
9,554
- -
�4,77
5
567,5
9�
1,09
4,096
916,1
01
4�,07
�,741
�,775
,76� - - -
4,57
0,21�
- - -
20,80
� - -
21,84
� -
�21,9
�6
52,00
7 - - -
124,8
17
271,5
07 -
2,�5
0,690
11,50
9,578
1,�01
,954 - - -
�21,9
24 - - - - - - - -
52�,7
45 - - - - -
600,5
91 -
1�9,4
48
2,887
,662
4,858
,729,2
71
49,54
5,�76
29,57
5,686
1�2,8
�5,70
6
2,02
�,�90
,726
410,2
�2,42
8
17,12
2,679
1,24
4,715
,7�1
�9,09
8,425
11,48
8,572
2,64
9,�84
18,77
7,�48
17,�8
5,446
551,�
66,00
9
52,72
2,015
�,�1
5,682
,829
11,07
9,5�6
477,1
9�,22
9
141,8
47,64
4
180,�
88,44
5
219,2
85,59
0
7�9,2
12,97
1
14,54
4,�25
,045
98,22
9,667
1,65
8,�40
- -
64,42
5,0�2
- - -
1,��
4,251
-
94,50
0
567,8
57 -
16,22
5,5�7
1,�4
9,415
180,2
65,98
2 - -
�12,9
75
5,10
8,�41
9,84
6,866
8,24
4,905
�87,6
6�,66
6
��,98
1,870
- - -
41,1�
1,91�
- - -
187,2
24 - -
196,5
86 -
2,89
7,421
468,0
62 - - -
1,12
�,�50
2,44
�,567
-
21,15
6,207
10�,5
86,20
1
11,71
7,590
- - -
2,89
7,�14
- - - - - - - -
4,71
�,707
- - - - -
5,40
5,�18
-
1,25
5,028
25,98
8,956
- -
5,000
,000 -
18,65
7,�40
8,446
,297 - - - - - - - -
�0,14
5,298
-
20,62
2,1�7
- -
82,87
1,072
�,04�
,957 - - - - -
10,86
6,100
- - - - -
6,765
,991 - - -
6,�0
5,1�6
- - -
26,98
1,184
2�6,2
94,60
0 - - -
260,�
97,�9
�
4,82
4,627
1,7�
1,067
2�,69
7,458
5,14
4,190
- -
1,986
,921 -
17,04
8,284
�,7��
,557 - -
24,41
5,490
15,41
7,711
-
1,915
,890
52,48
9,845
649,0
97,0�
�
405,6
14,15
5
1,658
,�40 -
5,000
,000
�68,8
51,65
�
2�,48
1,967
1,7�1
,067
4�,00
9,855
6,665
,665 -
94,50
0
2,751
,�64 -
47,65
0,940
5,551
,0�4
180,2
65,98
2 -
60,86
5,924
16,85
4,0�6
��,57
9,�62
11,76
2,756
8�,14
5,984
1,298
,5�4,5
85 5,2
64,�4
�,426
51,20
�,716
29,57
5,686
1�7,8
�5,70
6
2,�9
2,242
,�79
4��,7
14,�9
5
18,85
�,746
1,287
,725,5
86
45,76
4,090
11,48
8,572
2,74�
,884
21,52
8,712
17,�8
5,446
599,0
16,94
9
58,27
�,049
�,49
5,948
,811
11,07
9,5�6
5�8,0
59,15
�
158,7
01,68
0
21�,9
67,80
7
2�1,0
48,�4
6
822,�
58,95
5 15
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59,6�
0
92.�0
96.76
100.0
0
96.�7
84.58
94.59
90.82
96.66
85.4�
100.0
0
96.56
87.22
100.0
0
92.05
90.47
94.84
100.0
0
88.69
89.�8
84.�1
94.91
89.89
91.80
46
18 6 0 �8
�0
48
17
4�
57 2 41
52
48
41
64 0 45 8 �9
40
49
45 11
0,4�7
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1,842
,600 - -
71,58
�,�69
- - -
1,482
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105,0
00
6�0,9
52 -
18,02
8,�74
1,499
,�50
200,2
95,5�
6 - -
�47,7
50
5,675
,9�4
10,94
0,962
9,161
,005
4�2,0
�1,04
7
47,10
8,588
- - -
45,70
2,126
- - -
208,0
27 - -
218,4
29 -
�,219
,�57
520,0
69 - - -
1,24
8,167
2,715
,074 -
2�,50
6,897
124,4
46,7�
4
1�,51
6,927
- - -
�,219
,2�8 - - - - - - - -
5,2�7
,452 - - - - -
6,005
,909 -
1,�94
,475
29,�7
4,001
51,56
0,029
- - -
�1,76
2,410
�2,90
6,522
298,0
16
1,957
,�58 - - -
81,41
5 -
1�,49
7,5�1
-
50,44
�,�4�
-
9,606
,666
664,8
71
821,4
1�
�72,6
00 -
19�,9
72,17
4
REPORT ON INSURANCE AND PENSIONS214
TABL
ESTA
BLE
XXXI
V co
ntin
ued
DEP
OSI
T A
DM
INIS
TRAT
ION
PEN
SIO
N F
UN
D P
LAN
S - R
EVEN
UE
ACCO
UN
T - 2
005
NA
ME
OF
PLA
N
Trin
idad a
ndTo
bago
gove
rnme
nTSe
curiT
ieSde
noTe
d in
T.T. $ $
morT
gage
S
$
real
eS
TaTe $
Trin
idad a
ndTo
bago
equi
TieS
$
Fixed
depo
SiT $
oThe
rTr
inida
d and
Toba
goaS
SeTS $
Trin
idad a
ndTo
bago
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy
$
Trin
idad &
Toba
gogo
vern
menT
Secu
riTieS
deno
Ted i
nFo
reig
ncu
rren
cy$
10%
carr
icom:
equi
Ty $
10%
carr
icom:
gove
rnme
nT
$
10%
ca
rrico
m:oT
her
$
ToTa
llo
cal
aSSe
TS $
90%
carr
icom:
equi
Ty $
90%
carr
icom:
gove
rnme
nT
$
90%
carr
icom:
oThe
r
$
Fore
ign
gove
rnme
nTSe
curiT
ieS
$
oThe
rFo
reig
nSe
curiT
ieS
$
Fore
ign
equi
Ty $
ToTa
lFo
reig
naS
SeTS $
ToTa
laS
SeTS
in Fu
nd $
ToTa
llo
cal
aSSe
Tra
Tio $
loca
l eq
uiTy $
100%
carr
icom:
equi
Ty $
100%
carr
icom:
gove
rnme
nT
$
100%
carr
icom:
oThe
r
$Br
ough
t For
war
d
Trin
toc
Lim
ited
Cont
ribut
ory
Pens
ion
Plan
‘B’
Trin
idad
& To
bago
Oil
Com
pany
Li
mite
dN
on C
ontr
ibut
ory
Pens
ion
Fund
Pla
n
Trin
toc
Lim
ited
Empl
oyee
sBe
nefit
Pla
n
Trin
toc
Lim
ited
Staff
Ret
irem
ent P
lan
Trin
idad
and
Toba
go P
etro
leum
Co. L
td. E
mpl
oyee
sPe
nsio
n Fu
nd P
lan
Trin
idad
and
Toba
go P
etro
leum
Com
pany
Ltd
.Sta
ffPe
nsio
n Pl
an
Trin
idad
and
Toba
go P
ort C
ontr
acto
rs
Lim
ited
Pens
ion
Fund
Pla
n
T’da
d &
T’go
Tele
phon
e Co
. Ltd
.St
aff P
ensio
n Pl
an
Trin
idad
and
Toba
go U
nit T
rust
Co
rpor
atio
n Pe
nsio
n Pl
an
Trin
mar
Em
ploy
ees B
enefi
t Pla
n
Trin
topl
an C
onsu
ltant
Lim
ited
Staff
Pens
ion
Fund
Pla
n
T. G
edde
s Gra
nt S
taff
Savi
ngs a
ndPe
nsio
n Fu
nd P
lan
T. G
edde
s Gra
nt L
imite
d Pe
nsio
n Fu
nd P
lan
Wat
er a
nd S
ewer
age
Auth
ority
Pe
nsio
n Pl
an
Wes
t In
dian
Toba
cco
Com
pany
Ltd
. P
ensio
n Pl
ans
Y. D
e Li
ma
& Co
mpa
ny L
imite
d St
aff P
ensio
n Fu
nd P
lan
GRA
ND
TOTA
L
76
77
78
79
80
81
82
8�
84
85
86
87
88
89
90
91
985,5
97,52
5
71,40
5,151
11,06
2,7�6
10�,9
�5,27
0
177,9
8�,60
1 -
�5,�9
1,658
7,078
,970
1,511
,0�8
14,10
2,000
91,48
0,806
10,66
4,641
1,226
,984
1,511
,440,�
80 2�
4,092
,540
12,51
4,021
11,95
0
17,50
9,092
8,594
,67� -
10,4�
0,429
216,1
57 - - -
2,004
,6�5
�0�,0
86
285,6
76,58
�
20,9�
1,066
- - - - - - - - - - -
20,9�
1,066
7,10�
,481,9
72
�89,9
41,16
2
76,1�
2,550
477,6
10,07
8
870,4
4�,12
2 -
171,5
99,9�
9
46,79
�,979
��,47
6,400
297,1
97,00
0
286,7
28,96
5
�9,10
0,459
1,672
,890
9,794
,178,5
16 82
0,024
,754 -
464,5
05 -
67,74
4,000
- -
2,766
,944 -
22,00
0,000
14,84
2,704
- -
927,8
42,90
7
4,891
,011,7
78
29�,5
56,57
9
��,62
4,�60
���,0
76,60
�
546,4
99,25
4
62,18
4,122
1�4,2
9�,75
5
29,72
9,�46
19,9�
8,552
228,�
47,00
0
125,2
84,�2
0
26,50
9,75�
7,7�4
,795
6,7�1
,790,2
17 2�
7,742
,256
�7,28
5,954
6,586
,921
8�,87
1,�80
140,2
89,58
1 -
25,78
9,40�
1,491
,260 -
10,77
6,000
1,065
,267
18,04
0,401
170,0
99
56�,1
08,52
2
4�,07
�,741
2,91
0,5�0
-
�,12
1,200
5,5�
2,196
-
1,9�
6,892
-
267,0
00
2,99
7,000
241,1
75
8�4,8
72
54,02
5
60,96
8,6�0
11,50
9,578
1,96
2,879
155,2
50
1�,08
�,786
10,�9
6,807
-
1,6�
7,762
10,87
2
612,�
�4
2,29
4,800
107,4
��
1,27
5,842
-
4�,04
7,�4�
2,887
,662
1�9,4
48 - -
1,76
2,452
-
467,5
06 - -
680,0
00 - -
7,11
7
5,944
,18�
14,54
4,�25
,045
809,7
15,72
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128,0
�8,27
2
1,0�
2,207
,409
1,84
7,7�7
,690
62,18
4,122
�84,8
6�,72
5
88,46
6,490
56,11
6,874
585,1
59,80
0
522,2
09,8�
0
99,17
�,165
11,16
8,996
20,17
1,�67
,141
�87,6
6�,66
6
26,19
4,768
-
28,09
0,800
49,78
9,76�
-
17,4�
2,024
-
2,40
�,000
26,97
�,000
2,17
0,575
7,51
�,847
486,2
25
548,7
17,66
8
10�,5
86,20
1
17,66
5,912
1,�9
7,250
117,7
54,07
0
9�,57
1,266
-
14,7�
9,856
97,84
7
5,51
1,006
20,65
�,200
966,8
97
11,48
2,582
-
�87,4
26,08
6
25,98
8,956
1,25
5,028
- -
15,86
2,064
-
4,20
7,551
- -
6,12
0,000
- -
64,05
0
5�,49
7,649
82,87
1,072
11,16
�,718
-
5,55�
,902 - -
1,759
,904 - - - - -
101,�
48,59
6
26,98
1,184
- -
5,712
,678 - - - - -
2,106
,000 - - -
�4,79
9,862
649,0
97,0�
�
56,69
7,680
�,259
,476
58,04
�,00�
-
20,81
2,097
1,018
,774 -
8,905
,000
8,180
,764
5,8��
,718 -
811,8
47,54
5
1,298
,5�4,5
85
112,9
77,10
6
4,656
,726
157,1
11,45
0
217,2
66,09
6 -
58,95
1,4�2
1,116
,621
7,914
,006
64,75
7,200
11,�1
8,2�6
24,8�
0,147
550,2
75
1,959
,98�,8
79 15
,842,8
59,6�
0
922,6
92,82
9
1�2,6
94,99
8
1,189
,�18,8
58
2,065
,00�,7
86
62,18
4,122
44�,8
15,15
7
89,58
�,111
64,0�
0,880
649,9
17,00
0
5��,5
28,06
6
124,0
0�,�1
2
11,71
9,271
22,1�
1,�51
,020
91.80
87.76
96.49
86.79
89.48
100.0
0
86.72
98.75
87.64
90.04
97.88
79.98
95.�0
91.14
45
42
57
40
42 - �9
52
52
46
54
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14
44 4�
2,0�1
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29,10
5,298
-
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2,000
55,�2
1,959
-
19,�6
8,915
-
2,670
,000
29,97
0,000
2,411
,750
8,�48
,719
540,2
50
610,9
79,9�
8
124,4
46,7�
4
19,62
8,791
1,552
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1�0,8
�7,85
5
10�,9
68,07
� -
16,�7
7,618
108,7
19
6,12�
,�40
22,94
8,000
1,074
,��0
12,75
8,424
-
4�9,8
24,�8
4
29,�7
4,001
1,�94
,475 - -
17,62
4,516
-
4,675
,057 - -
6,800
,000 - -
71,16
7
59,9�
9,216
19�,9
72,17
4 - - -
18,49
2,004
-
�,�16
,�82
�78,9
62
�11,5
50
6,766
,000
2,459
,160
742,5
62 -
226,4
�8,79
4
REPORT ON INSURANCE AND PENSIONS 215
TABL
ESSE
LF-A
DM
INIS
TERE
D P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT-
2005
TABL
E XX
XV
NA
ME
OF
PLA
NFU
ND
AT
THE
BEG
INN
ING
OF
PERI
OD
$
CON
TRIB
UTI
ON
S BY
EMPL
OYE
RS
$
EMPL
OYE
ES
$
AD
DIT
ION
AL
CON
TRIB
UTI
ON
S BY
EMPL
OYE
RSTO
MEE
TD
EFIC
IEN
CY
$
INTE
REST
S,D
IVID
END
SA
ND
REN
TS
$
OTH
ERIN
COM
ETO
BE
SPEC
IFIE
D
$
TOTA
LRE
VEN
UE
$
PEN
SIO
NS
TORE
TIRE
DEM
PLO
YEES
$
RETI
REM
ENT
GRA
TUIT
IES
$
TOTA
L
$
DEA
THG
RAN
TS
$
RETU
RN O
FCO
NTR
IBU
TIO
NO
NW
ITH
DRA
WA
L
$
OTH
EREX
PEN
DIT
URE
(TO
BE
SPEC
IFIE
D)
$
TOTA
LEX
PEN
DIT
URE
$
FUN
DS
AT E
ND
OF
PERI
OD
$Ag
ostin
i Ins
uran
ce B
roke
rs L
imite
d Pe
nsio
n Fu
nd P
lan
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tini’s
Lim
ited
Retir
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t Pla
n
AirP
orts
Aut
horit
y of
Trin
idad
&
Toba
go P
ensi
on P
lan
AN
SA M
c A
l Lim
ited
Pens
ion
Fund
Pla
n
Ass
ocia
ted
Bran
ds L
imite
d G
roup
Pens
ion
Plan
Atla
ntic
LN
G P
ensi
on P
lan
Bank
of C
omm
erce
Trin
idad
and
Toba
go
Lim
ited
Retir
emen
t Pla
n
Baw
odes
Pen
sion
Fun
d Pl
an
Berg
er P
aint
s Trin
idad
Ltd
. Pen
sion
Fu
nd P
lan
(For
Mon
thly
Pai
d Em
ploy
ees)
BPTT
LLC
Pen
sion
Pla
n
Briti
sh-A
mer
ican
Insu
ranc
e Co
mpa
ny
(Trin
idad
) Lim
ited
Pens
ion
Fund
Pla
n
Briti
sh G
as T
rinid
ad L
imite
d Pe
nsio
n Fu
nd P
lan
BWIA
Pilo
ts P
ensi
on F
und
Plan
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bean
Indu
stria
l Res
earc
h In
stitu
te P
ensi
on F
und
Plan
Carib
bean
Ispa
t Lim
ited
Empl
oyee
s Pe
nsio
n Pl
an
Cent
ral B
ank
of T
rinid
ad a
nd To
bago
Pens
ion
Fund
Pla
n
Citib
ank
of (T
rinid
ad a
nd To
bago
) Li
mite
d Pe
nsio
n Fu
nd
Coca
Col
a Bo
ttlin
g (T
rinid
ad a
nd To
bago
)Pen
sion
Pla
n
Cons
olid
ated
Insu
ranc
e Co
nsul
tant
s Li
mite
d Pe
nsio
n Fu
nd P
lan
Coop
ers
and
Lybr
and
Pen
sion
Fun
d Pl
an
Cour
ts T
rinid
ad L
imite
d Pe
nsio
n Pl
an
Cuna
Car
ibbe
an In
sura
nce
Soci
ety
Pens
ion
Fund
Dev
elop
men
t Fin
ance
Lim
ited
Pens
ion
Fund
Pla
n
EOG
Res
ourc
es T
rinid
ad L
td.
Pens
ion
Fund
Pla
n
E &
Y S
ervi
ces
Lim
ited
Pens
ion
Sche
me
Carr
ied
Forw
ard
1 2 � 4 5 6 7 8 9 10
11
12
1�
14
15
16
17
18
19
20
21
22
2�
24
25
58,9
96,6
02
71,4
61,1
69
5�,1
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080
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280,
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117,
850,
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626,
974,
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90,0
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05
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16,5
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25,2
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7,40
8,02
0
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26,0
09
1,51
0,68
4,18
9
684,
691
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8,94
7
1,48
6,67
1
996,
798
24,
994
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492
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990
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554,
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220
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400
16,9
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52
688,
291
1,28
8,91
0
1,48
6,67
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819,
795
24,9
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2,12
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0
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SU
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NN
UAT
ION
BEN
EFIT
S
REPORT ON INSURANCE AND PENSIONS216
TABL
ESSE
LF-A
DM
INIS
TERE
D P
ENSI
ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT-
2005
TABL
E XX
XV
NA
ME
OF
PLA
NFU
ND
AT
THE
BEG
INN
ING
OF
PERI
OD
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EMPL
OYE
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$
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OYE
ES
$
AD
DIT
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AL
CON
TRIB
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OYE
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END
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CON
TRIB
UTI
ON
S BY
SU
PERA
NN
UAT
ION
BEN
EFIT
S
REPORT ON INSURANCE AND PENSIONS 217
TABL
ESSE
LF-A
DM
INIS
TERE
D P
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ON
FU
ND
PLA
NS
- REV
ENU
E AC
COU
NT-
2005
TABL
E XX
XV c
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NA
ME
OF
PLA
NFU
ND
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THE
BEG
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ING
OF
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