If the person who sold you your policy has retired, resigned or simply stopped calling, you have an orphan policy. It is not rare and it is not your fault. Here in Trinidad & Tobago, one insurer alone carries over 70,000 policies — and the whole country has roughly 2,180 registered sales representatives, across every company and every class of insurance combined.
This is a Ricky Rampersad Branch project — built by our own team for orphan policyholders, and for anyone who simply isn't being serviced and wants one of our agents assigned to them. We service policies issued by Guardian Life of the Caribbean Limited — that is who our team is licensed with. Not sure who issued yours? Start the review anyway: we check, we fix your records, and if your policy turns out to be with another company we tell you plainly and point you to them — no guessing, no games. The branch is led personally by Ricky Rampersad — Branch Manager, and still a servicing agent to his own clients — with a team of skilled, licensed Guardian Life agents behind him, so a change of servicing agent moves fast and lands with a person, not a queue.
Your cover is still completely valid. The insurance company's obligations never depended on one person staying in the job. What you've lost isn't the policy — it's the human being who was supposed to check it still fits. Here's the local arithmetic.
Four taps. Nothing is sent anywhere — this runs entirely in your browser.
Your policy is an agreement between you and the insurance company. An agent is how you reach it — and when that person leaves, the agreement carries on untouched while the connection quietly goes dead. Putting a named human back in the middle is the entire job.
The whole journey — the orphan policy, the four-minute review, the papers that arrive already filled in, and the person whose name ends up beside yours.
Want the whole process, step by step? See exactly how we work → · Full-screen film
Every week you meet someone who says the same sentence: “nobody looks after my policy.” The professional answer is no longer a shrug — it is this link. Send it while you are still standing there. The review takes four minutes, and it lands with our support team before you are back in your car.
Working a case of your own? Use your console link instead — the reply arrives carrying your name.
That was not marketing. One of our agents met you, heard that nobody calls you, and did what a professional is supposed to do: brought you to the branch that fixes it. Four minutes from now, your file is open and a person is responsible for you — by name.
Start my free review →You're entitled to ask whether foreign statistics apply here. So start with ours — two published local numbers, side by side.
One company. Seventy thousand policies. About two thousand registered representatives in the
whole of Trinidad and Tobago — spread across every insurer and every class of business at once.
There have never been enough people in this industry for every policy in the country
to have somebody actively watching it. That is not a scandal. It is arithmetic. But it does
mean that if nobody has called you in years, you are not an unlucky exception — you are the
ordinary case.
Sources: policy count — Guardian Group. Representative count — our own tally of the Central Bank of Trinidad and Tobago's public register of sales representatives, 1 January 2025 (70 pages, all insurers and intermediaries). It is our count of a published register, not an official total the Bank publishes, and the register is a snapshot — people join and leave constantly. Full workings in our research brief.
They cancel because it got hard and there was nobody to ask. There is published Trinidadian evidence for exactly that.
“…may have resulted from the delayed impact of policyholders discontinuing their policies in 2020, as they could no longer afford the premiums.”
EY, Trinidad and Tobago 2021 insurance statistics, compiled from the Insurance Act annual statements filed with the Central Bank through ATTIC.
Same person, same financial pressure. The only difference is whether somebody picked up the phone.
These are the largest published studies on the subject, and they're international. They don't measure Trinidad — they measure the profession, and we share it.
of life insurance policies have no active agent servicing them.
ThinkAdvisor, reported by Sureifyhave had no contact at all from an agent or adviser in over three years.
J.D. Power, 2025 U.S. Individual Life Insurance Study— only this many — describe their relationship with their adviser as trusted.
J.D. Power, 2025never updated their cover after a major life change — a marriage, a baby, a mortgage.
Western & Southern survey, n=1,009United States figures, cited to describe a pattern our profession shares — not Trinidad & Tobago statistics. The local position is above, and every source is listed in our research brief.
An unwatched policy doesn't fail loudly. It drifts. Pick a point on the clock.
You have every right to assume this is a way to sell you something. So here it is in two columns, before you give us a single detail.
Two lanes, one rule: the paperwork is our job, not yours. Watch who does what.
You don't even need your policy number.
Plain questions, about 4 minutes, skip anything. No policy number needed.
Our support team verifies your answers, traces and fills in all the policy numbers, and populates every document for you.
Your papers arrive ready-made. Nothing to print, nothing typed twice.
Watch it move with your access code — and hear from us every 2 days until it's done.
A short set for HR, finance or a director.
Company, contact, where the plan stands. A few minutes, mostly taps.
Your change of agent letter arrives by email, every detail filled in, ready for your letterhead.
The insurer requires the company stamp on your letterhead. Reply with a photo or scan, or hand it to us.
Every 2 days, referencing our previous correspondence — it never slips through, and it stops the moment we receive it.
This review is the first step of an onboarding, not a form into a void. It ends with a name, a number, and a branch that answers.
Branch Manager, Ricky Rampersad Branch · Guardian Life of the Caribbean Limited. Branch Manager — and still a servicing agent to his own clients — leading a team of skilled, licensed Guardian Life agents on one idea: nobody who holds a policy should ever feel forgotten.
The branch pairs old-fashioned service — a person who answers, visits and follows through — with tools most agencies don't have:
Whether it's your family's policy or your company's plan, from the moment you press send you are dealing with Ricky and his team.
Your position doesn't depend on your agent turning up. It's written into statute.
Not with an individual. When an agent leaves, the insurer's obligations — collecting premiums, servicing the policy, paying claims — carry on exactly as before.
Under section 197, sums payable but unclaimed for seven years after maturity are reported to the Central Bank as unclaimed monies. A matured policy nobody told you about is exactly how that happens.
Agents, agencies, salespersons and brokers must be registered under the Act, and the register is public. You can look up anyone who contacts you, including us.
Insurance Act, 2018 — Central Bank of Trinidad and Tobago · unclaimed monies, s.197(5) · registered intermediaries and insurance companies
Including the awkward ones.
This is the second platform this branch has built in-house. FactFind360 writes every recommendation down properly; this one makes sure nobody is left without a person. Two platforms. One standard. One branch.
Ask when your agent last called you.
If the answer is a shrug — you know where we are.
You've already paid for the policy. This is about making sure it does what you bought it to do.
Your agent will have sent you a personal link by email or WhatsApp — it opens this review with your details already filled in. Can't find it? Either option below works just as well.
Nothing is lost either way. We match you by name and date of birth.