Ricky Rampersad Branch Talk — 20 min
Guardian Life of the Caribbean · Chaguanas, Trinidad · Now selecting

The same advisor, in a different room, is a different advisor.

Life & general insurance Two seats in a Chaguanas practice: an insurance advisor, whether you hold a licence already or have never sold a policy, and one sales manager building a unit. Thirty-two years in Trinidad.

Why the room decides

Hire 100 advisors. Under contract at three years, industry-wide22
Still here at four years, in this branch31

The industry figure is LIMRA’s, and it costs about US$102,600 a head to find that out. Ours is a year longer and still higher. Same work, same country, same product.

Watch · 2:19

Two minutes and nineteen seconds. What this branch puts around an advisor, and what that is worth on a Tuesday. The words are on screen throughout, so it reads with the sound off.

39things the branch runs for you
7people behind the advisors
24hclock on a client’s query

Already licensed? A branch that keeps your book with you, households matched to you, and a conversation nobody will know you had. Never sold insurance? You are trained and licensed before you are contracted, then the full build and a day the system sets. Seven places in FY27’s first class.

Book a confidential conversation Take the 60-second test The whole journey · 8:49

Confidential for practising advisors 20 minutes, this week Newcomers fully trained

Would rather apply first? Start the official application on Guardian’s careers site — it asks you to make an account first. Read by a person here within 48 hours.

32Years serving Trinidad
20minThe confidential conversation
7Places in FY27's first class
48hMax wait for review
Everything around you

Nobody here works alone. This is what surrounds you.

39 things the branch does for an advisor, from the day you apply to the day you are promoted. Every one of them runs today; nothing here is planned or promised. Pick a moment.

Selection is the first service.

  • Orientation

    The career, the branch and the numbers before any commitment.

  • The digital market survey

    Your market mapped prospect by prospect, scored by your unit manager.

  • POP7, the scientific profile

    LIMRA’s Career Profile+: survival and production, read before you start.

  • Discovery with the qualifiers

    Job sampling, and your questions answered with the Branch Manager out of the room.

  • Training, induction, boot camp

    Before you are contracted, not after.

  • The licence, with the branch beside you

    The CBTT licence guide and every contracting form in the branch app.

  • Field work with your unit manager

    Joint field work is a measured manager KPI. Your first weeks are watched by name.

Not a mock-up

These are the screens. Built here, for this branch.

None of this happens in front of your client. You sit, you listen, and you take it down on paper — a husband and a wife are never the same client. You type it up afterwards, in your own time, onto Guardian’s own approved form. Every tool here runs today, in Chaguanas; the names and figures on these screens are made up. Tap one, or let them turn.

factfind360 · the client's draft: a screen with sample data

factfind360 · the client's draftThe arithmetic while you talk. The client gets a draft to approve, on their phone.

sample data on every screen
The films

The whole journey, end to end.

The short film at the top of this page says what is different here in two minutes and nineteen seconds. This one walks you through it from the day you apply: the call, the Branch Manager, the orientation, the market survey, POP7, the Discovery, the onboarding, and then every day, every week and every month after.

Thirty-three chapters · tap one to jump

Watch the full film · 8:49
Who this is for

Two kinds of people walk through this door.

Different fears, the same five gates. What each one has heard, and what is true in this branch.

Already contracted elsewhere

Move without starting over.

  • “I built my book, and I keep it on my own.”Here the branch keeps it with you: a premium caught at 45 days, your clients’ work done and shown to you each morning, the paperwork off your evenings. How the book is kept
  • “If I move, I start from zero.”Clients whose agent has moved on are matched to you, household by household, with the file and the first thing to say. TT$200 for each one whose questionnaire comes in after your naming.
  • “I’d be buying my own leads again.”Your own link and QR code. A prospect taps what is on their mind and the lead lands on your board, in their words. A lead forwarded to you stays yours.
  • “The tools are from another decade.”A fact find that does the arithmetic while you talk. A live production wall on the screen and on your phone. Branch Intelligence that reads the file before you do.
  • “Nobody would notice if I doubled my year.”Wins are announced every Wednesday, at Blastoff in January and at Mid-Year in July. Your name, out loud.
  • “Word gets back.”The conversation stays confidential. At your Discovery you question our qualifiers with the Branch Manager out of the room.
Book a confidential conversation
New to insurance

The full build, not a phone book.

  • “I can’t go months with nothing coming in.”It is commission-based and we will not dress that up. What shortens the start is here from day one: your market mapped before you are contracted, prospects who asked to be called, matched households, a day the system sets, and a manager who sees your week before Friday.
  • “I’d have to sell to my friends and family.”You start where everyone starts: the people who already know you. We map that market and score it out of a hundred before you are contracted, so it is a plan and not a phone list — and when it runs thin, which it does for everyone, keeping your week full is the branch’s job.
  • “They promise training, then you’re on your own.”Training, induction, boot camp and one-on-one coaching. The Branch Manager interviews every advisor personally and coaches you after.
  • “I wouldn’t know what to do each morning.”Every morning the system sets your day: your projection, your next calls, your pending cases with the history on them. Check in, and your workday page keeps score.
  • “I’m leaving a salary for a ceiling I can’t see.”No salary band and no ceiling. The ladder is written down, rung by rung, and you choose which one you climb.
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Why this branch exists
Talent is everywhere in Trinidad. Environments that turn talent into top producers are not. That's the difference we sell, to our advisors first.
Ricky RampersadBranch Manager · Guardian Life of the Caribbean · Chaguanas

And the work is the reason the environment matters. A family covered before the worst day comes. A client who knows exactly who to call. An advisor who is never left to figure it out alone. That is what the five gates are protecting.

The people around you

You are not joining a brand. You are joining these people.

Real names. The experience in this room is the thing you cannot buy anywhere else, and at your Discovery sessions you sit with them without the Branch Manager in the room.

Branch Manager · thirty-five years in the business

Ricky Rampersad

Interviews every candidate himself, selects, and then coaches: the Weekly Manager Pulse, the note in your morning e-mail, the chair beside you on your first cases. Nothing you will hit in your first year is new to him.

Unit Manager · fifteen years in the business

Akaash Kalladeen

TTAIFA Top Producer of 2022 and Guardian Group's Advisor of the Month before that, now leading a unit of advisors: who is off pace on leads, fact finds and closing interviews each week, and what was done about it before Wednesday.

The advisors

MDRT, Court of the Table and Top of the Table qualifiers

They sit at this table, and you sit beside them. That is the access the page is selling: not the plaque, the person who earned it, two desks away.

The support team · four people who handle every request with you

Kamla, Sasha, Elizabeth and Azariah

The Branch Manager's Assistant and Sales Support: the documents logged and sent the same day, the premium letters, the group accounts, the transmittal, the call you cannot make because you are at the table. Named here because you will know them by their first names within a week.

Verify it yourself: at your Discovery sessions you sit with the advisors and the qualifiers, and ask them anything.

One more seat · Sales Manager · FY27

A manager is judged on retention. Here, that is the branch’s best number.

Alongside the seven places, the branch is selecting one sales manager. The hardest part of the job — keeping the people you recruit — is the thing this branch already does better than the market, and you inherit it rather than having to build it.

Of every 100 advisors hired, how many are still there

The industry, at one year 55–60
This branch, at one year 67
The industry, at four years 14
This branch, at four years 31

The marketThis branch

Industry: LIMRA and Finseca, The Path to Improving Retention, 2022, quoted in LIMRA’s 2025 Annual Conference. Branch: our own roll, measured to 31 August. Four years against the market’s four, and one year against its one — not a horizon chosen to flatter.

What you would actually run — and what runs itself

  • Your unit’s ten KPIs, planned and accounted for, on your own page. You set the week; the system reconciles it.
  • Every agent’s day is set each morning by the system, not by you. Nobody waits on a manager to tell them what to work.
  • The Weekly Manager Pulse names who is off pace on leads, fact finds and closing interviews — before the month is lost, not after.
  • A coaching sheet, not a report card. Your note lands in the agent’s morning e-mail; they read it before they start.
  • Admin is the branch’s, not yours. Seven people behind the advisors, documents logged and tracked to the hour, no paper fact finds to chase.
  • The Branch Manager coaches you. Thirty-two years in this market, and his own day is on the same system yours is.

The ladder above you is real and it is published: Executive Agent, Senior Sales Consultant, and the management track beyond. This branch has grown managers who went on to run their own.

Talk about the manager seat
The man at the top of it

His day starts at five. On the same board as yours.

You can tell what a branch really thinks of its advisors by what its Branch Manager does before anybody else is awake. Ricky Rampersad is on the same attendance register as every person in this branch, plans his day on the same system, and accounts for it at three o’clock like everyone else. Thirty-two years at Guardian, thirty-five in the business, and that is still the arrangement. Most of the tools on this page exist because he had them built here, rather than waiting for someone else to.

  1. Reads the branch before it wakesEvery client who is waiting on him, every mail that came in overnight, sorted and drafted so nothing sits.
  2. The branch checks in; so does heHis own day is planned on the same board, and whether he planned it is on the record like anyone else’s.
  3. Wednesday: the room, and your name in itThe whole branch, the week’s wins read out, and an agenda anybody could add to from their phone the night before.
  4. Who is behind, while it can still be fixedNot a month-end post-mortem. A look at the day while there is still a day left to use.
  5. Accounts for his own dayAgainst the plan he set that morning, in writing. If he did not do what he said he would, that is on the record too.
He interviews every single one

Not a screening call with somebody else. LIMRA measured first-year retention rising from 44% to 55% on who recruited the advisor. Here it is always the head of the office.

He signs your large cases himself

Four written attestations on the recommendation before it reaches your client. Nobody here is left to carry a big case alone.

He built what you will use

The board, the Log Book, the fact find, the desks that chase your premiums — written here because the branch needed them, not bought because a brochure said so.

And he coaches you after

The interview is not the last conversation. Thirty-two years of this market, applied to your book, your cases and your next move.

“The decades of research are clear: showing people the job honestly, before they commit, raises how long they stay, how satisfied they are and how well they do. The best version of it is a conversation with somebody already doing the work.”

That is why your Discovery session puts you in a room with our current advisors and qualifiers — and why the Branch Manager leaves it. Ask them anything.
The Selection

Five gates. The same ones for everyone.

A fifteen-year producer and a newcomer walk the same road: the LIMRA selection process the branch has run for years, with a person at every step. It is rigorous because the room stays strong only if the door is — and it is joint. Every gate is a thing you find out too. We take the time because a wrong yes costs you a year of your life, and that matters more to us than filling a seat.

The five gates of the selectionThe career path, rung by rung

Rigorous on purpose: an offer from this branch means something. The advisors beside you earned their seat the same way you will, and the written criteria for every rung are shared openly at your Discovery.

Built in this branch

Our own fact find. By the numbers.

factfind360 is the branch's own digital fact find. The advisor drafts it at the table, a manager signs it, the client confirms it from their own inbox, and the branch team serves the file. These are its own counts: no client is in them.

141fact finds since
TT$183mof need found, in dollars
TT$342mof cover recommended
TT$3.4mAPI recommended
Fact finds a month
20Jul
53Aug
33Sep
34Oct
Every plan read by a manager
63reviewed
  • 50 approved
  • 13 sent back for a better draft
  • most inside 2 to 3 days
October, so far
40applications29clients
Critical illness18
Whole life7
Savings & pensions4
Universal life2
Other9
  1. Advisor
  2. Manager
  3. Client
  4. Branch team
  5. one file

Bigger sales.The need is on paper before the pitch, so the application follows the fact find.

Compliant, every time.Insurance Act 2018, Schedule 11 · the Central Bank's Market Conduct Guideline: taken, retained, produced on inspection.

Real figures from factfind360's own pulse feed, counts only, read 29 October 2026. The manager review and October figures are as at 29 October 2026. Where the feed answers, the four figures and the months update themselves.

Before you decide

You are not the first person to think about this.

Thousands of advisors move every year, and the industry has measured why, how it went for them, and what actually decides whether somebody lasts. We would rather you read those numbers than our adjectives. Three of them are about you. The fourth is about us.

79%of advisors who moved firms said technology was a key factor in the decisionAdvisor360° Connected Wealth Report, 2025 · 155 recent switchers
83%of advisors who moved in the past three years are satisfied they didAdvisor360°, 2025
35%wish they had moved soonerAdvisor360°, 2025

What decides whether you last

LIMRA measured first-year retention against one variable: who brought the advisor in and what surrounded them afterwards. Same industry, same product, same market. Eleven points of difference on the room alone.

Here, it is the third one. The Branch Manager interviews and selects every advisor in this branch himself.

See the figures
First-year retention by who recruited the advisor
Brought in byStill there after a year
A recruiter44%
A sales manager50%
The head of the office55%

And then the fourth number

This one is ours, measured on our own roll, against the industry’s published figure. The dashed bar is the industry. The solid bar is this branch.

This branchThe industry, published

All four bars are to one scale. The industry’s 14 in a hundred still contracted at year four is LIMRA and Finseca’s own published figure. Ours is counted the same way, on our own roll, and the method is below.

See the figures, and how they are counted
Advisors still in the business, this branch against the industry
Still in the businessThe industryThis branch
After 1 year55–60%67%
After 4 years14%31%

Where the industry’s figures come from. One year, 55–60%: LIMRA, first-year retention by who recruited the advisor. Four years, 14%: LIMRA and Finseca, The Path to Improving Retention, 2022, quoted in LIMRA’s 2025 Annual Conference — “we have been sitting at an industry-wide 4-year retention rate of 14% for years.”

How ours is counted. Every agent ever contracted to this branch’s four units, measured on our own Salesforce records from the earlier of their licence and hire date to their termination date, or to today if they are still on the books. Ten records whose dates cannot be reconciled are excluded and counted as neither. On that basis: across the whole roll, 53 in a hundred reach four years; across recent recruiting — everyone who started from 2017 — 33. The 31 published here is from the branch’s own Production and Manpower Record, and it is the conservative end of that range. We publish the lower one.

Where these come from. Advisor360° Connected Wealth Report 2025, a survey of 155 advisors who had recently changed firms, fielded September–October 2024 — a small, mostly enterprise sample, and we say so rather than rounding it up. The retention and survival figures are LIMRA’s own published research on agency distribution. The branch’s two figures are from its own roll and are ours to stand behind. None of this is about any other branch or any other company: it is the industry measuring itself, and us measuring ourselves against it.

The Environment

The same advisor, in a different room, is a different advisor.

Those are the industry’s numbers, and every one of them points at the same variable: the room. Not the product, not the market, not how hard the person was willing to work. So here is ours, in full — every part of it built here, on purpose, and running today.

A culture that produces qualifiers

Qualifiers here aren’t luck; they’re a system. The road to the top of this profession is mapped, coached and expected, and the people who have walked it sit in this room.

A coach, not a clock

Your unit manager files the Weekly Manager Pulse: who is off pace on leads, fact finds and closing interviews, and what was done for each. A note from him lands in your morning e-mail. Nobody waits until the quarter is lost to hear from their manager.

A Branch Manager in your corner

Every advisor here was interviewed and selected by the Branch Manager personally — and coached by him after. 32 years of Trinidad market knowledge, applied to your book, your cases, your next move.

Recognition on a schedule

Wins don’t disappear into a WhatsApp group here. Promotions and qualifications are announced on stage — Blastoff every January, Mid-Year every July. Your name, said out loud, in front of the company.

Your direct manager

A coach, not a clock.

You would report to Akaash Kalladeen, Unit Manager — fifteen years in this business and TTAIFA’s Top Producer (Male) in 2022. Not a name on a chart: joint field work is a measured KPI of his, so your first weeks are watched by name. The system does the admin; he does the sitting with you — your week, before Friday, in your morning e-mail and in person. And the Branch Manager coaches him on the same board. Nobody here is left to figure it out alone.

From your manager · in your morning e-mail

Two fact finds this week, Priya. Let's book your Thursday calls together at eight.

your week, before Friday
MonTueWedThuFri
what a coach sees
Leadscoached Tuesday
Fact findsrole-played Wednesday
Closing interviewsbooked together

And in person. He sits with you on it.

Priya and her week are made up. The Weekly Manager Pulse and the morning note are real.

What that looks like

“Support” is a word. This is a diary.

Every branch advertisement promises support. Almost none of them can tell you what day it happens on. Here is the week as it is actually run — each of these is a named thing in a system you will be signed into on your first morning, not a promise somebody makes at interview.

Every morning

A note from your manager, before you start

Your day is already set when you check in — and a line from your unit manager about your week sits on top of it.

Manager Notes · your morning e-mail

Every day, 10 am

Someone else is chasing your money

A premium going quiet on your book is not your problem to notice. The desk writes to the client at 45, 60, 75 and 90 days, and a person ticks every letter before it goes.

Premium Due Desk

Every case

Your plan is read before your client sees it

No fact find reaches a client until a manager has read the recommendation and signed it off. If it is wrong, it comes back to you — not to the client.

factfind360 · manager review

Every week

Off pace is picked up on Tuesday, not in January

Leads, fact finds and closing interviews, per advisor, with what was done about each. Your manager files it. You are coached on it.

Weekly Manager Pulse

Every Wednesday

The room hears your name

Nine o’clock, the whole branch, and the week’s wins read out. Yours included. You can put an item on the agenda from your phone the night before.

Branch meeting · Meeting Builder

Every month

Your income, looked at properly

Not a scolding about a number. A sit-down on what the year is actually going to pay you, and what has to change for it to.

Monthly income review

Your unit managerweek to week
  • Sits with you on your week, in person, before Friday
  • Role-plays the fact find and books closing interviews with you
  • Closes a task on your behalf when you are in front of a client
  • Is accountable on the same register you are — his ten measures are planned and accounted for daily
The Branch Manager32 years, this market
  • Interviews and selects every advisor here himself — and coaches them after
  • Signs off the large cases, personally, with four written attestations
  • Starts at five in the morning, on the same board you are on
  • Built the systems on this page because the branch needed them
The support desksso the admin is not yours
  • Your documents logged, routed and signed for the day you hand them in
  • Your client’s query answered on a 24-hour clock, by a person, with a reference
  • Your contracts delivered and receipted, with a photograph and a signature
  • And you rate them on it — five stars, every closed task

No lost documents. No paper fact find. That is not a slogan here, it is a measured thing — and it is why your hours go to clients instead of to chasing your own paperwork.

  • 3,634documents through the digital Log Book, each one signed for
  • 72%on to Guardian Life within one working day
  • Zeropaper fact finds — every one of them digital since 2026
  • 12 noonthe bag leaves; you are told by eleven if yours will catch it
The part nobody advertises

Everyone starts with the people they know. Nobody here is left there.

This is the thing that actually breaks advisors, and almost no recruitment advertisement will say it out loud. So we will. Your own market is where you begin — it is where everyone begins — and the year it runs out is the year most people leave. Here is what most are handed when it does, what it costs them, and what happens instead in this branch.

What most are handed Your own phone contacts

Your warm market, worked until it is cold. In one study of 103 advisors who left the business, roughly a quarter named the cost of leads as a reason they went.

Here: your own market is where everyone starts. What this branch is built for is the month it runs thin — prospects who asked to be called, households matched to you, and a manager who sees a thinning week before you feel it.

What most are handed A name and a number

No history, no cover on file, nothing about the household. You find out what they hold by asking them, in front of them, which is where credibility goes.

Here: you get the file first — every policy, the household, and what the records already say needs looking at.

What most are handed “Go and prospect”

LIMRA found 48% of people who joined this business for the income say the expectation was never met. Activity with no market behind it is how that happens.

Here: your own market is mapped and scored out of a hundred before you are contracted, so both of us can see whether the first ninety days have a market in them.

  1. A lead arrives that asked for you

    A prospect taps what is actually on their mind on the branch’s own board, and it lands on your list with their own words attached. A lead your link produced stays yours, even if it is forwarded on — that is a written rule here, not a courtesy.

  2. The call script writes itself from their words

    The Lead Desk builds the opening from what that prospect said they wanted. It never prices and never recommends — the job of the call is an appointment, not a pitch.

  3. A household is matched to you, with the file

    Clients whose advisor has left are not handed out at random. They are matched — by family, by town, by what is at stake — and the whole household goes to one advisor, never a policy at a time.

  4. The portfolio is analysed before you call

    Every policy they hold, in force and lapsed, the years with us, the household around them, and what the records already say is worth raising. You walk in knowing. They notice.

  5. And a service questionnaire pays you TT$200

    Filed after the match, chased by the system until the Retention unit has paid it. Not a bonus somebody remembers — a claim with a reference and a follow-up on a clock.

Already have a book?

A book is either looked after, or it leaks.

If you have been at this for years, the first year is not your problem. The book is. You built it one client at a time, and most branches leave you to keep it, chase it and grow it on your own. Here, the branch keeps it with you.

The book that stays

A lapse is income you already earned, walking out.

Lapse rate to 31 August 2026, from the branch’s own record: the share of the book that stopped paying. Both bars are to one scale, and shorter is better. Not one case written on our digital fact find has lapsed since it launched.

  1. Caught at 45 days, not at the lapse

    A premium falling behind gets a letter at 45, 60, 75 and 90 days, each one read by a person before it goes, and you are copied on every one. Your client hears from the branch long before the cover stops.

  2. Your clients’ work, done and shown to you

    Pending applications, requirements and client requests are worked by the branch team every day. Each morning you see what is open for your clients and the last thing done on it, without having to ask.

  3. The paperwork is not your evening

    Documents logged on your phone and signed for by the team, then on their way to Guardian, with a reason on file for anything late. Contracts delivered and signed for. Client questions answered on a clock.

  4. Growth from inside, not only from strangers

    Households whose advisor has moved on are matched to you with the file already read. Your fact find does the arithmetic and is reviewed by a manager before your client signs, so what you write stays written.

Two things we will not tell you

  • What is in your book today. It sits in another company’s system, and it is yours. We will not pretend to have read it.
  • To move a client. No agent or broker may cause a policyholder to discontinue or replace a policy without first discussing the advantages and the disadvantages. We hold ourselves to that before we ask it of anyone. What happens to your current book is for the twenty minutes, in confidence.
Book a confidential conversation
Compliant by design

Every step leaves a record. That record protects you.

An advisor’s worst week is a complaint about advice nobody can show. Here, the record is written as the work happens — the fact find, your client’s own approval, the manager’s signature, every document and every delivery — and all of it is built to the Central Bank’s Market Conduct Guideline, issued under the Insurance Act, 2018.

One case, as the record sees itSample times
  1. Fact find writtenNeeds, dependants, what they can afford, and their duty to disclose
    On file
  2. Your client agrees the draftFrom their own inbox, before anything goes further
    On file
  3. A manager reviews and signsWith a comment, before anything is placed
    On file
  4. Your client signs, and rates the adviceTheir words and their stars, kept with the case
    On file
  5. The application is loggedOn your phone, time-stamped, then signed for at the desk
    On file
  6. Sent to GuardianOn the day’s transmittal, with a reason on file for anything late
    On file
  7. The contract is deliveredSigned for: who collected it, their relationship to the client, and where
    On file

The times are a sample. The record is real: each of these lines is written by the branch’s own systems as it happens, with who did it and when.

Clause by clauseMarket Conduct Guideline
  • 5.2
    Needs before a recommendationEvery sale starts with the fact find: needs, dependants, what the client can afford, and their duty to disclose.
  • 5.2.2
    Advice in writing, in plain wordsThe client gets their plan in writing, and a copy is kept on file.
  • 5.3.1
    Intermediaries monitoredEvery fact find reviewed and signed off by a manager, and every outcome followed.
  • 5.4.2
    Policies delivered within 20 business daysEvery contract tracked from collection to the client’s signature, and chased before the deadline.
  • 5.4.3
    Kept informed after the saleA premium falling behind is written about at 45, 60, 75 and 90 days, before the cover stops.
  • 5.6
    Their information kept privateAgents see only their own clients, and no client is ever named on a wall.
  • 5.7
    Complaints handled promptlyEvery query logged, owned, and answered on time and in writing.
One department, spelled six waysThe old paper book

Six ways the old book typed one department. Now it is picked from a list, never typed, so every record of it says the same thing.

A clean record, countedThe old book, folded
3,634lines of the old paper book read, November 2025 to October 2026. Every line the new Log Book writes carries who logged it, who signed for it, when it went and where.

Each pair of bars is drawn to its own scale.

Built in this branch, and every one keeps its own record

  • Digital fact find
  • Log Book
  • Delivery Book
  • Premium Due Desk
  • Query Pal
  • Branch Intelligence
  • Claims intake
  • Motor quote
  • Renewal desk
  • Assignment board
  • Meeting minutes and actions
The Career Path

One road in. Two roads up. All mapped.

This is Guardian Life’s official Sales Career Path — not a poster on a wall. Every rung has written criteria, real benefits, and people in this branch who’ve climbed it.

ProfessionalMaster the craft

For advisors who want to build a powerful personal practice.

  1. Career Sales Representative

    Full training, induction and boot camp — then contracted and in the field.

  2. Executive Agent

    Proven, sustained production unlocks real privileges.

    Overrides up to 5%Private officeSales support

  3. Senior Sales Consultant

    The highest professional rank at Guardian Life.

    Overrides up to 10%Sustained top productionReserved parking

LeadershipBuild the next ones

For advisors who want to lead — the road this Branch Manager walked.

  1. Emerging Leaders Program

    The in-house gateway to management, by Branch Manager recommendation.

  2. Trainee Manager → Unit Manager

    Recruit, build and run your own unit.

    Overrides & allowancesPrivate office

  3. Assistant Branch Manager → Branch Manager

    Lead a branch of your own — developed, not just appointed.

    Full leadership track

Full written criteria for every rung — production, persistency, designations, client base — are shared openly during your Discovery. No mysteries, no moving goalposts.

What this career pays, honestly

No salary band. No ceiling. No adjective in place of a number.

How it is paid

Commission on what you write, uncapped, from day one. TT$200 for every matched household whose service questionnaire comes in after you are named, chased by the system until it is paid. Overrides and allowances at the management rungs. No salary band, so nothing holds the top down.

What grows it

Activity times skill. The leads programme and the matched households shorten the start; the FY27 flight plan works from what your life costs back to the API that pays for it, in fifteen minutes.

What we won't print

An average we made up. At your conversation you see the branch's own record, year by year, and you bring your questions. Thirty-two years of producers are what that record shows.

Talent gets you in the game. Environment decides how far you go.

The 60-Second Test

Do you have the profile?

Five questions — for practising advisors and newcomers alike. Answer honestly; your score decides what we tell you next.

Question 1 of 5

Do people already come to you for advice — and trust what you tell them?

Proof, Not Promises

Success lives here — and it’s visible.

We won’t paste made-up testimonials on this page. We’ll do better: the record, and an open invitation to verify it.

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Lapses since the digital fact find launched

Not one case written on the digital fact find since August 2026 has lapsed. The system that builds the file is the system that keeps it, and your clients stay yours.

Up

Promoted from within

Advisors here have risen through the official path — Executive Agent, management track, announced on stage. The ladder isn’t theory; people in this building are standing on it.

32

Three decades of clients

Thirty-two years serving Trinidad means renewals, referrals and a reputation you inherit the day you join — the hardest assets in this business, already built around you.

Verify it yourself: at your Discovery sessions you’ll sit with our current advisors and qualifiers — ask them anything, without the Branch Manager in the room.

Talent is everywhere in Trinidad. Environments that turn talent into top producers are not. That’s the difference we sell — to our advisors first.
Ricky RampersadBranch Manager · 32 years · Guardian Life of the Caribbean, Chaguanas
Straight Answers

The questions you’re already asking.

I’m already contracted at another branch or company. Why move?

Because production follows environment. If you’re carrying your numbers despite where you sit — no mentorship, no recognition, no plan for your next rank — then the ceiling is the room, not you. Here the path to Executive Agent, Senior Sales Consultant and management is written, coached and announced. Your conversation with us stays fully confidential.

I have no insurance experience. Is that a problem?

No — it’s normal. Newcomers get the full build: training, induction, boot camp, one-on-one coaching, and mentors who are required by their own appointments to develop you. What we can’t teach is drive, resilience and trustworthiness — that’s what the selection tests.

Is the income really uncapped?

Yes. Earnings are commission-based, so they scale with your activity and skill — no salary band, no ceiling, and at senior ranks, overriding commissions on top. It also means the first months take real work while you build. We’re upfront about both sides.

What’s the catch?

The standard. We select — we don’t fill seats. Five gates, including a scientific assessment and a personal interview with the Branch Manager, for newcomers and veterans alike. Most applicants don’t make it. The ones who do get a career, a coach, and a room that pulls them upward.

How fast does this move?

The official application sits on Guardian’s careers site and asks you to make an account before you fill it in. It is read by a person here within 48 hours. Clear the screen and you’ll meet the Branch Manager, then move into Discovery — weeks, not months, driven mostly by your own pace. Prefer to talk first? The twenty-minute conversation needs no account and no CV.

One conversation

Twenty minutes with the Branch Manager. Nobody else will know.

  • He reads it himself.Your name and number reach Mr Rampersad alone, not an inbox the branch shares. If you are contracted elsewhere today, nobody there will hear of it.
  • He calls at the time you chose.Within two working days, for twenty minutes, from his own phone.
  • Your questions. The branch's own figures.No pitch and no form. If it is not for you, that is the end of it.
Where are you now?
Best time for his call

Confidential. Reviewed by the Branch Manager himself. Nothing is sent to anyone else.

Apply now

The door is open. Walk through it.

  • You

FY27 began on 1 October, and its first class is being selected now: seven places, and every one of them gets the full build. One more seat, for a sales manager to build a unit here. One confidential conversation, twenty minutes, this week. Or go straight to the official application. A career that caps out only where you do — which is nowhere.

  1. 1You open Guardian’s careers site — the posting for this branch, in Chaguanas.
  2. 2You make an account there: name, e-mail, telephone, address. That part is Guardian’s, not ours.
  3. 3You fill in the application and send it.
  4. 4A person here reads it within 48 hours, and you get a call.

Not ready to be in a system? Book the conversation instead — no account, no CV, and it reaches the Branch Manager alone.

Book a confidential conversation Start the Selection

The environment decides. We select the driven. · Reviewed within 48 hours · Chaguanas · Central Trinidad

QR code that opens the official application

On another device?

Scan to open the official application on Guardian’s own careers site.

Book a conversation — 20 min