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CARAIFA 2015 THE PURSUIT CONTINUES


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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

TABLE OF CONTENTS o3

President’s Address

05

Prime Minister’s Address

07

Minister of Finance’s Address

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Minister of Tourism’s Address

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CARAIFA Hall of Fame Inductee

18

Congress Schedule

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CARAIFA Main Platform Speakers CARAIFA Workshop Presenters

Message from President of CARAIFA

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CARAIFA Executive Board

29

CARAIFA Past Congress Pictures

Message from President of TTAIFA

30

About CARAIFA

13

TTAIFA Executive Board

32

Message from MDRT Zone Chair

Message from Congress Director

33

Fun with Puns

15

CARAIFA Congress Committee

34

About TTAIFA

12

14

16

Message from Secretary General

Design & Layout - Ayrïd Chandler ayridsc@gmail.com // ayridchandler.com Cover Photo - Kibwe Brathwaite email@kibwebrathwaite.com // kibwebrathwaite.com

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

conferences, promotes continuous progressive education and professional development of its members in an effort to adequately fulfil the financial and insurance needs of the Caribbean diaspora. It is indeed salutary that member states recognise and pursue their roles in regional integration by hosting each other and fostering the “spirit of co-operation, togetherness and unity” envisaged by CARAIFA’s mission statement.

A MESSAGE FROM HIS EXCELLENCY

ANTHONY

THOMAS AQUINAS CARMONA ORTT,SC

PRESIDENT OF THE REPUBLIC OF

TRINIDAD & TOBAGO Six years ago, the Caribbean Association of Insurance and Financial Advisors (CARAIFA) held its annual Sales Congress in Tobago and it is my esteemed pleasure, as President of the Republic of Trinidad and Tobago, to welcome your return to our shores. Regional integration, whether through organised memberships, trade agreements, cross-fertilisation of cultures or the free movement of people, remains as critical today as it did when our countries gained independence. It is perhaps now much more necessary that as Caribbean countries, we go beyond the geographic landscape that binds us and unite to not only compete in a globalising economy but to co-ordinate regional responses to deal with the very sustainability of the Caribbean region within itself and in the wider world. For this very reason, it is commendable that CARAIFA, through its annual

It is against this background that I fully endorse the 29th Annual Sales Congress of CARAIFA under the theme “The Pursuit Continues”. As you seek to fulfil the agenda of this Congress, I challenge you to pursue new and innovative methods, beyond and above the traditional approach, in dealing with the insurance and financial needs of your stakeholders. This may well involve aggressive legislative reform in some cases, and in others, a total re-strategising and shift in policies and human resource outlook while maintaining the efficiency and sensibility of a productive insurance or financial business. Indeed, the very survival of insurance and financial businesses rests upon their ability to sell and deliver quality products to their target markets in keeping with international best practices. The pursuit of even-handed, just and equitable industry practices is as noble as CARAIFA can ever aim to be, as it strives to uphold high ethical industry standards. I applaud the mission and programmes of CARAIFA and have no doubt, if past speakers are any indicators, that this Sales Congress 2015 will be stimulating, productive and beneficial to all. It must not be lost upon us however, that this Sales Congress is taking place in Trinidad and Tobago, the Caribbean’s largest producer of oil and natural gas, at a time when the Republic faces, along with the rest of the world, plunging oil prices. The Sales Congress 2015 presents a ripe opportunity for insurance salespersons and financial advisors to arrest the pervading concerns of its stakeholders by discussing and sharing valuable industry advice and proffering solutions to meet the impact of the current oil crisis. There is no better time than now, for our Caribbean region to benefit from the wealth of financial advice and insurance acumen that will undoubtedly flow from the contributions and discussions at the 2015 Sales Congress. Best wishes for a useful and rewarding Sales Congress 2015 as CARAIFA continues to pursue insurance and financial empowerment and education. Though in pursuit of such laudable goals, I nonetheless invite you to enjoy the dynamic culture of this Republic and embrace the genuine warmth of our people.

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

I am pleased to send greetings to the participants of the 2015 Caribbean Association of Insurance and Financial Advisors (CARAIFA) Sales Congress being held in Trinidad and Tobago and hosted by the Trinidad and Tobago Association of Insurance and Financial Advisors. I also extend a warm welcome to participants from other member states and I trust that your time here will be productive, fruitful and memorable. As we seek to strengthen the bonds of friendship and cooperation within the Caribbean Community, I am pleased to note that CARAIFA’s Mission/ Purpose is to stimulate the educational and professional development of the Life Underwriter/ Financial Advisor and foster a spirit of co-operation, togetherness and unity among the territories of the region while ensuring the upholding of high ethical industry standards. As consumers’ insurance and financial needs become more and more refined, you have the task of filling those needs in an atmosphere that is highly competitive and regulated. In this regard, comprehensive programmes for the professional development of your members so as to enable them to meet the educational standards prescribed by their companies and associations while rendering high quality service to the public is of paramount importance.

GREETINGS FROM THE HONOURABLE

KAMLA PERSAD-

BISSESSAR SC, PRIME MINISTER OF THE REPUBLIC OF

TRINIDAD & TOBAGO

Yours, I dare say, is a noble task because your clients trust you with their hard earned money in order that they can reap the rewards of their labour. I implore you all, never let this sacred trust be misplaced. I therefore encourage all members to always be at the cutting edge of the industry so that the service given to your clients will be second to none. On behalf of the Government of the Republic of Trinidad and Tobago, I wish for a very successful 2015 Congress which will, no doubt, redound to the benefit of all citizens of our Region.

The Honourable Kamla Persad-Bissessar, SC, MP Prime Minister of the Republic of Trinidad and Tobago

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

A MESSAGE FROM THE HONORABLE

LARRY HOWAI

MINISTER OF FINANCE

I would like to applaud the members of the Caribbean Association of Insurance and Financial Advisors (CARAIFA) Sales Congress for recognizing the importance of this industry group to the overall success of the Caribbean Economy. I think it is useful for us to look at the importance of developing insurance and financial advisers to achieve greater savings and investments in our region. Trinidad and Tobago’s financial services sector has become an important pillar in our economy. Together with real estate services, it contributes close to 15.0 percent of Gross Domestic Product. The government has taken major steps to amend the Insurance Act, in doing so, it will complement and protect citizens from the changing economic tides facing the local Insurance Industry. This legislation is a significant piece of advancement to the industry as it is intended to introduce best practice in corporate governance risk management, consolidated supervision and policyholder protection to the insurance industry. I expect this proposed Bill to be laid in parliament in the coming months. The goal of the regional body, CARAIFA, will complement our country’s objectives to foster cooperation, interaction, togetherness and unity among members in the Caribbean region through its educational courses, annual congresses, meetings and programmes. Fundamentally, in order to achieve this goal, each member country has to maintain consistency in the quality of advice on insurance solutions and banking financial decisions provided to consumers. The expectation is that insurance and

financial advisers would be able to help individuals and households develop a broader financial outlook in consort with understanding how insurance fits into their broader financial management strategies to grow their savings, manage risk and meet specific financial goals. As you all are aware, access to sound financial advice has become even more important today as families are faced with challenges of managing heavier debt loads, higher costs of healthcare and education, effects of natural disasters that are occurring with greater frequency, and longer life spans. We believe that the responsibility to provide sound advice falls on all insurance intermediaries, whether you are an agent, an insurance broker, or a financial adviser. I look forward to CARAIFA’s continuing support in providing financial capability programmes that are tailored to the different sectors of the industry providing the best packages to individuals and member countries. Additionally, let me congratulate the CARAIFA on its 29th annual conference and the progress that has been made in bringing the industry together under an organized platform to further advance and develop the industry. I would like to take this opportunity to wish TTIFIA continued success in improving the quality of its advice and the enhancement of its role in supporting the broader financial management strategies of the region to grow their savings, manage risk and meet their financial goals.

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

A MESSAGE

FROM SENATOR THE HONORABLE

GERALD HADEED MINISTER OF TOURISM

It is indeed a great pleasure to welcome all participants of the Caribbean Association of Insurance and Financial Advisors to the CARAIFA Sales Congress 2015 to our beautiful Trinidad and Tobago. The Sales Congress is an excellent opportunity for participants from other member states to gain substantial knowledge and experience while creating memorable experiences.

I invite you to take some time while you are here to enjoy our beautiful country. Trinidad and Tobago offers a vibrant business atmosphere, pristine beaches, untouched rainforests and a multicultural palette that provides the setting for a wide range of activities. From the cosmopolitan streets of Portof-Spain to the tranquil beaches of Tobago, there is something here for everyone.

The purpose of the Caribbean Association of Insurance and Financial Advisors is to build capacity and service excellence through the provision of relevant development programmes. As the insurance and financial needs of consumers change over time, there is a necessity to tailor their portfolios while maintaining a healthy, competitive market. I commend CARAIFA for bringing together insurance and financial advisors from member states and knowledgeable and experienced facilitators.

As the Minister of Tourism of Trinidad and Tobago, I extend best wishes for a successful 2015 congress which will benefit not only Trinidad and Tobago, but all citizens of the Caribbean. Sincerely, Senator the Honourable Gerald Hadeed Minister of Tourism

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A MESSAGE FROM CARAIFA PRESIDENT

MAXIM MARQUEZ FOR CARAIFA CONGRESS 2015

It is with great pleasure that I welcome you all to CARAIFA’s highly anticipated 29th Annual Sales Congress under the theme “The Pursuit Continues in my homeland of Trinidad and Tobago. I want to personally congratulate President Curtis Dass and the hardworking congress team of the Trinidad & Tobago Association of Insurance and Financial Advisors (TTAIFA) led by the esteemed Congress Director Alicia Birch for their commitment and dedication. The Caribbean Association of Insurance and Financial Advisors (CARAIFA) commend and salute you! For those who ask why attend a CARAIFA Congress, the answer is simple:Information: To garner current information that will improve service delivery to your clients and in turn your professional success. Motivation: To get motivated to achieve more, set higher goals and to become truly successful in your endeavors in the world of insurance and financial services. Integration: Togetherness and Unity with our Caribbean brothers and sisters within the field of insurance and financial services. Helping one another to build successful careers and establish sound business practices. Camaraderie: To develop friendship among participants that will be long lasting and beneficial in creating an environment of unity and sharing while learning from each other. For those who ask what is special about a TTAIFAhosted CARAIFA Congress, again, the answer is simple:Tried – True – Proven and yet, the pursuit continues....

This will mark TTAIFA’s fourth (4th) time hosting a CARAIFA Congress. In 1997 agents from across the Caribbean landed on the shores of Trinidad and Tobago to “Seize the Day”, they returned with new friends in 2001 to explore “The Undiscovered Country”, then in 2009 they ventured off to Tobago, an island “Linked by Water” to Trinidad and the rest of the united Caribbean. Now that we have seized the day in the undiscovered country that is linked by water we are now back in sweet sweet T & T as in 2015, the pursuit continues. CARAIFA’s 29th Annual Sales Congress will arm you with the information and motivation you need through potent platform speakers and workshops as you enjoy the camaraderie and integration in the twin isles of festivity and calm, of bustling industry and peaceful sea shores – Trinidad and Tobago. An investment in self is always value for money and CARAIFA’s congress is second to none in that regard due to the continuous support of TTAIFA and all our member associations. In the words of Sumner Davenport, “The investments we make in ourselves will always deliver the most profitable returns”. So join us, as we map the journey destined to leave you fulfilled, knowing that your presence here demonstrates you have made that crucial investment in self. Welcome to Congress 2015: “The way of success is the way of continuous pursuit...” (Napolean Hill) With our eyes locked on success, The Pursuit continues...


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA EXECUTIVE BOARD

MAXIM MARQUEZ President (TRINIDAD & TOBAGO)

WYNTHROP CATWELL Vice President (BARBADOS)

PAULINE MCKENZIE-FAIRCLOUGH Immediate Past President (JAMAICA)

MARCELLE FENTON Secretary General (JAMAICA)

CURTIS DASS CARAIFA Foundation Chair (TRINIDAD & TOBAGO)

WILLIAM “NAT” WILTSHIRE Education Council Chairman (TRINIDAD & TOBAGO)

ALICIA BIRCH Marketing Director (TRINIDAD & TOBAGO)

MIRNA PAUL-GREENIDGE Public Relations & Communications Director (BELIZE)

PAULINE ARCHER Regional Congress Coordinator (JAMAICA)

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A MESSAGE FROM TTAIFA PRESIDENT

CURTIS DASS FOR CARAIFA CONGRESS 2015

It gives me immense pleasure in welcoming you to my blessed twin island Republic of Trinidad and Tobago (the hub of the Caribbean) and I am extremely honoured to lead this august association, TTAIFA, in hosting CARAIFA’s 29th Annual Sales Congress 2015. This is the fourth (4th) occasion we have been given the opportunity to do such, and for this we take great pride. TTAIFA is in the business of empowering our stakeholders with knowledge and training through quality holistic development programmes. We are a member of CARAIFA, an association that fosters cooperation, interaction, togetherness and unity among member territories in the Caribbean region through its educational courses, annual congresses, meeting and programmes. This 2015 Congress will bring together insurance and financial advisors from our member territories, as well as local and international speakers, facilitators and guests. Our objective is to motivate participants to achieve more, set higher goals and to become truly successful in their endeavours. With this in mind, I am happy to present this year’s congress theme “The Pursuit Continues” as it resonates the clarion call for us all to prepare for the journey ahead. Soon new legislation will become effective here in Trinidad and Tobago and across the region changes will continue to take place and these said changes

will affect how we do business now and in the future. However, in our journey ahead, once we continue to be committed to our clients’ needs then our resolve to this noble enterprise would ensure our continued success. The organising committee, led by our capable congress director, has gone to great lengths to give value for your time and money by ensuring that you will have opportunities, amidst absorbing engagements, to enjoy a bit of the beauty of our twin island republic and more so the warmth and culture of our people. It is Maya Angelou who said “I’ve learned that people will forget what you said, People will forget what you did, but people will never forget how you made them feel”. It is my fervent hope and wish that our warmth and welcome spread over the coming days, that this CARAIFA’s Congress 2015 experience will never leave you and that you will never forget how we made you feel. Sincerely, Curtis Dass


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

TTAIFA EXECUTIVE BOARD

CURTIS DASS President TTAIFA’s National Board

GERALD CRUICKSHANK Vice President TTAIFA’s National Board

ALICIA BIRCH Immediate Past President TTAIFA’s National Board

MARIANA GALINDO Secretary/Treasurer TTAIFA’s National Board

FINBAR GARCIA Assistant Secretary/Treasurer TTAIFA’s National Board

TERRANCE WILLIAMS President TTAIFA’s East Chapter

GARFIELD CLOUDEN President TTAIFA’s North Chapter

ROZANNA GAFOOR-ALI President TTAIFA’s South Chapter

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

GREETINGS FROM CONGRESS DIRECTOR

ALICIA BIRCH

FOR CARAIFA CONGRESS 2015

I extend greetings and a warm welcome to CARAIFA’s 29th Annual Sales Congress under the Theme -The Pursuit Continues. As Congress Director, my team and I could not have been more excited to be your hosts for Congress 2015. We have an exhilarating congress experience planned for you that would certainly ensure that your pursuit continues‌. Our cadre of leaders includes renowned international, regional and local speakers who will stimulate and motivate you into action. Our entertainment, in true Trini style is guaranteed to thrill and excite you.The year 2015 is our time to review and fine tune what is happening in our lives as advisors, to break free from all shackles, and to discover the truth that will make the difference. The fact remains that major changes are happening; political, social and economic shifts. There are also those personal issues that so many of us are experiencing at this time- I cite myself as an example- losing my only child in a vehicular accident on 21st October, 2014. However, in essence, the Pursuit continues especially from the perspective of the Industry. Therefore, continue to seek ways of improving the quality of family life, one family at a time. Pay particular attention to the economic aspect. Consider too that our society needs to focus on an aging population. A significant proportion of this aging population has not made proper economic provisions for their retirement and that has all kinds of societal implications. Therefore, our industry, in spite of the fact that it has not been

sufficiently appreciated by the wider society, must really bring to bear all our resources and energy to address this issue because that is what we do. Ours is the ONLY industry that I know of that goes out every day to our population and talk about provision for their family in time of untimely death, Retirement, Accidental death, Mortgage protection and Education. The impact of adequate financial planning is phenomenal and we cannot rest until we achieve that purpose. Most importantly, a BIG thank you is conveyed to all the advisors who are here in attendance and special thanks to the Companies and the Heads of Sales for their unwavering support. Please take time to greet and share with your fellow advisors and remember two days from now, tomorrow will be yesterday. Much love and blessings Congress Director,

Alicia Birch


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS COMMITTEE

ALICIA BIRCH Congress Director

NATHANIEL WILTSHIRE Facilities & Events Negotiator

LOUIS MC MAYO Technical & Logistics

GARTH THOMAS Creative/Ceremonies

ASSAD MOHAMMED Creative/Ceremonies

GERALD CRUICKSHANK Finance

AUDRA SPENCE Finance

KELVIN REGISFORD Speakers, Topic & Main Platforms

AVALON DHANRAJ Magazine

MARCUS GIRDHARIE Workshops

FINBAR GARCIA Sales & PR

ANTHONY MOORE Sales & PR

MARIANA GALINDO Hospitality & Entertainment

MRINAILI SUPERSAD Registration/ Tokens & Mall

SHAZAHRA KHAN-CAMACHO Registration/ Tokens & Mall

ROZANA GAFFOOR-ALI Territory Congress Coordinator

JACQUELINE FOURNILLIER Protocol & Courtesy

ALFRED PATRICK Transport Liaison & Airport Welcome

CAROL SALIM General Manager

CURTIS DASS Ex- Officio

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A MESSAGE

FROM SECRETARY GENERAL

MARCELLE FENTON FOR CARAIFA CONGRESS 2015

I ride the wind, sail the water, ‘She’ calls my name to come on back to her in Trinidad (extract from song called “Trinidad” by Eddie Money”) I am extremely happy to be back in the land of the Hummingbird, from Carnival to calypso, steel pan to stick fighting, and the rich and expansive culture of the twin island republic of Trinidad and Tobago, hosts of CARAIFA’s 29th Annual Sales Congress. It is said that Trinidad & Tobago, two Islands, two unique experiences, has something for everyone from the natural wonder of the Pitch Lake to the Western Hemisphere’s oldest protected rainforest, we expect to experience a destination where thrill meets tranquillity and is a wonderful choice for our members to come together as a family and bask in “the true Caribbean” experience. The hardworking team of the Trinidad & Tobago Association of Insurance and Financial Advisors (TTAIFA) under the stewardship of President Curtis Dass and Congress Director (CD) Alicia Birch promises a congress that will motivate, stimulate and arm you with the keys to unlocking your potential as “The Pursuit Continues” in your personal and professional growth and development. CARAIFA salutes TTAIFA for playing a vital role in keeping with the vision to continuously and effectively anticipate and satisfy the needs of its members through the harmonious process of profitable relationships for their mutually sustainable growth and development. It is with that in mind that CARAIFA continues to be committed to viability, continuous growth, and development, while improving the public image of our members and industry’s high ethical standards. TTAIFA’s dedication to education and professional growth aligns with CARAIFA’s mission and with this in mind the Congress team has assembled a host of various dynamic regional and international platform speakers and workshop moderators to stimulate your minds and ignite your passion for this industry. This congress will not only become your strongest

weapon, but it will become the mould in which your footsteps should follow along the ever-improving path in this esteemed industry. Let us be mindful that “The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack of determination.”— Vince Lombard. TTAIFA has proven in the past that their dedication and determination will ensure that we will continue to sharpen our capacity to “Seize the Day” by exploring “The Undiscovered Country” and although we are all “Linked by Water”, TTAIFA has ensured that the “The Pursuit Continues” to actualizing our true potential. At our last congress 2014 in Jamaica, the Governor General of Jamaica Sir Patrick Allen told attendees that “We know that to move forward effectively, we must learn from the road we have travelled, but must not be distracted by failures. Rather, failures should be used to illumine our path to success. We must also be very conscious of the realities of the present and learn how to use them to our advantage.” The steel pans are tuning, the costumes are being prepared and the streets are buzzing to welcome you to this 29th annual congress, so put on your running shoes and secure your thinking caps as CARAIFA alongside TTAIFA welcomes you to Congress 2015: “The Pursuit Continues...”


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA

Hall of Fame 2015

Our 2015 Inductee’s commitment to the Industry is unchallenged in Belize and throughout the Caribbean. He is seen as the quintessential “insurance man”, always immaculately dressed, always knowledgeable and willing to share information with clients and prospects and always delivering quality service. He was also very influential in bringing the first CARAIFA Congress to Belize in 1998. He spearheaded the return of Congress in 2001 and took the reins, as Congress Director, of the 2012 Congress, in Belize. He has been a prolific attendee at Congress, beginning with Barbados in 1992 and participating in more than twelve (12) others. He attended St. Michael’s College in Belize City, Belize and Calabar High School in Kingston, Jamaica before completing a Bachelor’s degree with History as a major at the University of the West Indies (UWI), Mona, Jamaica. He represented Belize in Track at the Central American and Caribbean Games in Santo Domingo in 1974.

The Caribbean Association of Insurance and Financial Advisors (CARAIFA), takes great pleasure in honouring

GILBERT ANDREW HARRISON ‘HARRY’ PILGRIM BA, CLU, MBA. as its 2015 HALL OF FAME INDUCTEE Harry Pilgrim is a former Regional Manager for Sagicor Capital Life’s insurance operations in Belize. He held that position for twelve (12) years, up to December 2012. Currently, he is an Alternate Director on the National Health Insurance Committee of the Social Security Board of Belize, Alternate Chairman of the Board of Management of the Anglican Cathedral College (formerly the St. Michael’s College – his alma mater), and Chairman of the Board of Trustees of the University of Belize. He is also seen as a “perennial contributor” to the Kidney Association of Belize. He is also a founding member and past president of the Life Underwriters Association of Belize (LUABz), now Belize Association of Insurance and Financial Advisors (BelAIFA). He has been a moderator for life industry education programmes, and has served as the Public Relations Director on the Executive of the Caribbean Association of Insurance and Financial Advisors (CARAIFA) not once, but twice.

He returned home, from Jamaica, in 1973 and taught at two High Schools in Belize (becoming principal of one) before making a complete career switch in 1977, (the year CARAIFA’s precursor CALU was formed) becoming a Life Underwriter with Caribbean Atlantic Life. He qualified himself formally in his new area of activity, obtaining the Life Underwriters Association Training Certificate (LUATC), Associate in Customer Service (ACS) and Associate in Insurance Agency Administration (AIAA) designations, before becoming a Chartered Life Underwriter in 1998. In 2004 he obtained the Master in Business Administration (MBA) from UWI, Cave Hill, Barbados. Today, our Hall of Fame Inductee focuses on enhancing marketing and service delivery in two (2) insurance agencies with which he is associated. Operating under the banner Diversified Life Solutions Belize Ltd. He is father of four (4) children, Karla, Andrew, Giselle and Adrianne, and grandfather of two (2) boys. As a result of his extraordinary contributions to enhancing the professional practice and image of life insurance practitioners throughout the Caribbean, it is CARAIFA’s distinct pleasure, to induct into its Hall of Fame, Gilbert Andrew Harrison (“Harry”) Pilgrim BA, CLU, MBA.

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Sunday, April 26th, 2015 Registration

10:00 am - 6:00 pm

Formal Opening Hall of Fame Ceremony

Monday, April 27th, 2015

8:25 - 8:35 am •

(The Power of Vision)

Welcome & Opening Remarks His Worship Alderman Mayor Raymond Tim Kee

8:00 - 8:20 am •

8:45 - 9:15 am •

Opening Ceremony Garth Thomas Assad Mohammed

“Seeing From Behind Your Eyes...” Mr. Maxwell Moyo

(Gilbert Andrew Harrison ‘Harry’ Pilgrim BA, CLU, MBA.) 7:00 pm

9:20 - 9:45 am •

10:35 - 10:55 am •

The Insurance Industry & Its Impact On The Region Mr. Douglas Camacho

“Right On Target” Ms. Selina Chin

9:50 - 10:15 am • Economic Outlook of the Caribbean Region Mr. Wendell Mottley

11:00 - 11:20 am • Hot Pursuit Brigadier General Anthony Phillips Spencer

11:25 - 11:55 am • “Gen.Y;X;.., their role now and in 20 years” Dr. Jennifer Rouse

12:00 - 12:30 am •

LUNCH

12:30 - 2:00 pm

Leaders Wanted Dr. Julian Ferdinand

2:00 - 3:30 pm • Leadership Dr. Julian Ferdinand (Workshop)

3:35 - 5:00 pm • New Insurance Bill Paul Traboulay (Workshop)

Free time for Foreign Delegates 3:00 - 6:00 pm

Karaoke & Talent Show Night Session 7:00 pm – 12:00 am


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

Tuesday, April 28th, 2015 (Immortality)

WORKSHOPS

7:00 - 8:00 am •

8:30 - 10:00 am •

10:30 - 12:00 pm •

Client Acquisition Strategies Mr. Andre Baptiste

You are the Product Mr. Carlyle Fletcher

Leadership vs. Management (For Managers) Mr. Douglas Camacho

Retirement & Wealth Creation Mr. Winston Williams

CARAIFA Speakers Forum

Creative Financial Planning Mr. Ian Narine

2:00 - 3:30 pm •

2:00 - 3:30 pm •

Sales Strategies & Techniques Mr. Daniel O Connell (MDRT)

Promised Leadership (For Managers) Mr. Maxwell Moyo

Develop Strengths and Delegate Weaknesses Mr. Warren Sookdar

3:30 - 4:30 pm •

Improve Business Communication Skills To Build Strong Client Relationships Mr. Don La Foucade

Wednesday, April 29th, 2015 (The Infinity Zone)

8:15 - 8:30 am • CARAIFA Foundation Presentation Dr. Lesley Villarroel

The Wellness Concept Dr. Safeeya Mohammed

Cruise Experience

PANEL DISCUSSION: - The Formula for Success - The Way to the TOP Sagicor, Pan American, Guardian Life, Maritime (Representatives from: Barbados, Belize, Jamaica)

Night Session 7:00 - 11:30 pm

8:35 - 8:50 am •

9:20 - 9:40 am •

Changing of the Guard CARAIFA

Breaking All Barriers Dr. Marlene Attzs

8:55 - 9:15 am •

9:55 - 10:20 am •

Create Your Own Space Mr. Wayne Alleyne

Showing up with a Bang Mr. Carlyle Fletcher

10:40 - 11:05 am •

2:25 - 2:55 pm •

Mentoring/Partnership Mr. Daniel O’Connell (MDRT)

The Road Less Travelled Mr. Carlos Green

11:10 - 11:55 am •

3:00 - 3:40 pm

Vision Mr. Jason Black

Create Your Horizons Mr. Maxwell Moyo

1:35 - 2:20 pm •

3:45 – 4:30 pm

Voice Mr. Jason Black

Closing Ceremony Garth Thomas/Assad Mohammed

Caribbean Night Night Session 7:00 pm – 12:00 am

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CARAIFA CONGRESS 2015

MAIN PLATFORM SPEAKERS

Raymond Tim Kee wears several hats apart from his primary role as the mayor of the capital city, Port of Spain, a position he has held for the past year, having assumed office in November 2013. He is a business professional in the field of finance, and is the managing director/owner of theRaymond Tim Kee Investments of the Guardian Life of the Caribbean Limited. He is a graduate of the University of the West Indies and the holder of several awards for his accomplishments in the field of Financial Management with the Guardian Life of the Caribbean Ltd.

HIS WORSHIP ALDERMAN MAYOR RAYMOND TIM KEE

He has held directorships on several state agency boards, including the Estate Management Business Development Company where he sat in the position of Deputy Chairman, and the CEPEP Company Ltd where he held the position of Chairman. Max Moyo is a world-renowned public speaker, wealth creation expert and hu- man transformation coach who blends his vast experience in the financial ser- vices industry with an affinity for inspiring people and galvanizing them into pos- itive, life-changing action – be it in the workplace, in the domestic sphere or in any other professional, informal or social grouping. He has been Keynote speak- er in Africa, Canada, India, The Middle East and The United States.

MAXWELL MOYO

Born and raised in a family of missionaries in Zimbabwe, his main source of in- spiration in his boyhood was his grandfather, a lay preacher who had taught himself to read and write. As a child, Max would often go into the maize fields and recite entire sermons that had been delivered by his beloved grandfather a tenacious, humble and selfless man and so Max’s love for oratory and guiding people towards making a positive difference in their own lives was born. Douglas Camacho is Group President Strategic Investments and Projects of Guardian Holdings Limited. Douglas is a Director of Bancassurance Limited, a Director of Guardian Holdings Limited, Guardian Life of the Caribbean Limited and GAMAY Investments Limited. He is Chairman of RGM Limited, Dynamic Equity Limited and Servus Limited. He also serves on the Boards of Eastern Caribbean Gas Pipeline Company (ECGPC), and Crime Stoppers Trinidad & Tobago.

DOUGLAS CAMACHO

Active in the insurance industry for over thirty years, Douglas is currently a Director of the Association of Trinidad and Tobago Insurance Companies (ATTIC), Chairman of the Board of Governors of the Trinidad and Tobago Insurance Insti- tute (TTII), a Director of the Insurance Association of the Caribbean (IAC), Chairman of the Pan Caribbean Business Coalition (PCBC) and a Board Member of LL Global. He is also President of the Trinidad & Tobago Hockey Board (TTHB) and a Past President of the Trinidad and Tobago Olympic Committee (TTOC).


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015 MAIN PLATFORM SPEAKERS

Wendell Mottley is the holder of economic degrees from Yale University, USA, and Cambridge University, UK and has had a distinguished career in Finance. Mr. Mottley served as Minister of Finance of Trinidad and Tobago from 1991- 1995 and was most recently based in New York as a Managing Director and Senior Advisor at Credit Suisse, a leading global investment banking firm, from which he retired in December 2011.The first Chief Executive Officer for the Point Lisas Industrial Port Development Company, Mr. Mottley penned the historic document “Industrial Policy for Trinidad and Tobago 1959-2008, which focused on governance in an oil-rich state.

WENDELL MOTTLEY

Having made his mark as an athlete with a gold medal at the Commonwealth Games, a silver medal in the 400 metres, and a bronze medal in the 4x400 relay team in the 1964 Tokyo Olympics, Mr. Mottley went on to sterling achievements in local and international financial markets. Brigadier General Anthony W. J. Phillips-Spencer ED, LM, UNM, nsp, MSc, BSc, is the Vice Chief of Defence Staff of the Trinidad and Tobago Defence Force (TTDF) and is a military officer with more than 33 years of professional experience since his enlistment in March 1981. He has successfully fulfilled the responsibilities of a diverse range of appointments in his military career to date, including but not limited to: Platoon Commander, Company Commander, Aide-de-Camp to the President, Senior Military Liaison Officer - United Nations Mission in Haiti (UNMIH), Battalion Commanding Officer, Assistant Chief Staff Officer Plans – HQ TTDF, Defence and Military Attaché (Washington, D.C.), Chief of Delegation to the Inter-American Defense Board (IADB), and Commanding Officer Trinidad and Tobago Regiment (TTR).

BRIGADIER GENERAL ANTHONY PHILLIPS- SPENCER Dr. Jennifer Rouse is the Director of the Division of Ageing in the Ministry of the People and Social Development in the Republic of Trinidad and Tobago. Dr. Rouse attended the University of Maryland, Baltimore County (UMBC) during the years 1996 to 2004 where she completed a double major in Social Work and Africana Studies, and graduated with a Baccalaureate degree (cum laude) in May 1998.

DR. JENNIFER ROUSE

In August 2001, Dr. Rouse graduated with her Masters degree in Policy Sciences, with the area of concentration in Ageing Issues; and in 2004, she graduated with her Doctorate in Public Policy in Ageing. Her doctoral thesis is entitled: A Case Study in Ageing Policy in Trinidad and Tobago: the Role of Interest Groups in Defining New policy Initiatives. In August 2003, Dr. Rouse relocated to Trinidad to assume duties as the country’s first Director of the Division of Ageing, which was established to serve as an umbrella agency to focus on ageing initiatives.

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015

MAIN PLATFORM SPEAKERS

Dr. Julian (Jules) Ferdinand is a business consultant, lecturer and author. He has conducted management and leadership training in several companies and organizations throughout the Eastern Caribbean. He lectures in Executive Leadership and Human Development, Corporate Turnaround, Strategic Management, Multinational Strategy, and the Global Strategy and Innovation courses in the Masters in Business Administration (MBA) programmes at the Arthur Lok Jack Graduate School of Business (UWI, Trinidad & Tobago).

DR. JULIAN FERDINAND

He also teaches the Strategic Planning course in the Executive Masters in Business Administration (MBA) programme at the Cave Hill School of Business (UWI, Barbados) and has conducted the Strategy Dynamics course in the Doctorate in Business Administration (DBA) programmes at both schools. He received the Best Lecturer Award 2014 from the Arthur Lok Jack Graduate School of Business when the school held it’s graduation ceremony in January, 2015. Wayne Alleyne joined the Insurance Industry in 1991, and has never regretted his career change. The challenge of this particular financial service industry is well suited to his outgoing personality, his commitment and dedication to helping others achieve their Insurance and Investment goals; as well as pursuing a life of excellence. Wayne’s professional achievements: The Life Underwriters Training Fellow (LUTCF) designation. He has qualified for company incentive, local industry and Caribbean Sales Awards. A member of the Sagicor’s Honour Club, Inner Circle and Platinum Clubs. The highest Producer in Group Life and Health for 2011. He is a member BARAIFA’S Inner Circle, Knight of the Round Table. The winner of the Prestigious Mertilla Coulthurst Award 2001. This is given for outstanding business and community work.

WAYNE ALLEYNE Dr. Marlene Attzs is currently Head of the Department of Economics at the UWI St. Augustine; she has worked in the Department since 1998. Prior to being appointed as Department Head in 2014, she served as Deputy Dean in the Faculty of Social Sciences with responsibility for the Faculty’s distance and outreach Programmes in Trinidad and Tobago and the wider Caribbean. In terms of national public service, Dr. Attzs currently serves as Deputy Chairman of the Economic Development Board, an advisory Board of the Ministry of Planning and Sustainable Development. She also is Chair of a national UNESCO Committee under the MOST (Management of Social Transformation) Programme. Dr. Attzs has a diverse research portfolio focusing, among other things, on gender and development, economic development and climate change and sustainable development in island states.

DR. MARLENE ATTZS


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015 MAIN PLATFORM SPEAKERS

Carlyle Fletcher CLU is a Chartered Life Underwriter who joined the insurance industry on 01st December, 1981, after a ten (10) year career in Accounting and Auditing. He has qualified for all major Company and Industry Awards. He is currently a Branch Manager with Guardian Life. He is a Life Member of the Prestigious Million Dollar Round Table and has been inducted into his company’s Convention Hall of Fame and TTAIFA’s South Chapter’s Hall of Fame.

CARLYLE FLETCHER

He was a past winner of CARAIFA’S speakers Forum and has spoken to standing ovations at CARAIFA’s Barbados and Grenada Sales Congresses and TTAIFA South Chapter’s MDRT Day. He is a Toastmaster and has won the Caribbean Humorous Speech Contest on several occasions. He is one of the Industry’s most entertaining and sought after speakers. Throughout his tenure in the business, Carlyle’s main focus has been in training and agent development. His workshop will expose a new concept he has developed especially for Caribbean People. Daniel “Danny” O’Connell, MBA, is an eight-year MDRT member with one Court of the Table and four Top of the Table honours. He is an active volunteer within MDRT and currently serves as a member of the Program Committee for the Top of Table Annual Meeting. O’Connell is no stranger to adversity, overcoming a few in his lifetime. Born to a disabled parent and nearly brain dead at 11 months old, he learned to speak correctly at age four. Today, O’Connell is a partner at Benefit Resources Group in Dallas, Texas, USA. Since starting in the insurance business in 2008, he has transformed a one-producer family agency into a thriving boutique firm which has increased its revenue by a factor of five. He serves as a board member of the NAIFA Dallas chapter and was recognized by NAIFA as one of the “Four Under 40” national award winners for 2014.

DANIEL O’ CONNELL

O’Connell speaks on a regular basis to groups and associations and teaches continuing education courses to other agents in Texas. He is active in his local community, serving as president of his Rotary chapter and teaching as an ad- junct professor at a local college. O’Connell will talk about how mentoring, partnering and finding a niche have changed his practice. Jason Black is more than just a coach to Fortune 100 companies, an entrepreneur, business owner, and father to six. Classically trained as a world class opera singer Jason understands what excellence requires: RESULTS. Whether it’s surviving certain death twice, or overcoming impossible odds to turnaround multiple bankrupting companies into market leaders, Jason Black knows how to get results. Jason’s honoured to be delivering breakthroughs on 4 continents for clients including MDRT, Prudential, MetLife, Lenovo, Jeep, Time Warner Cable and many more.

JASON BLACK

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015

MAIN PLATFORM SPEAKERS

Carlos became completely blind over fourteen years ago after which he found an emotional outlet through exercise (the gym in particular). It quickly became a form of therapy for him and he says that when he exercises he is on a natural “high”. His instructors at the gym encouraged him to enter competitions and he has never looked back since. He is adamant about showing his children and others that a disability is no excuse to not strive to be the best. He also believes that his discipline, his training and his eventual success will be a tremendous source of inspiration for all.

CARLOS GREENE

Over the past seven years, he has competed at several Regional and International competitions. At the majority of these competitions he was the only blind competitor. In other words, he does not limit himself to competitions for the disabled. When he is at home, he spends his time giving motivational speeches, and training in the gym and on the field, as he continues to represent Trinidad and Tobago in his personal bid for excellence. Carlos firmly believes that he is not doing this for himself alone. He knows that his success would be a victory for all Caribbean People (especially the differently - abled). Selena Chin 29 years old has climbed her way up the professional ladder to become one of the leading Insurance Advisors at Sagicor Life Jamaica. She started her career in 2008 and in her tenure she has improved from strength to strength each year. In 2012 she won 14 awards and had a similar experience in 2013 where she not only won 13 awards, she also broke a company’s record for the most cases sold in one month, 2014 was even better where she not only broke her own record she also broke the record for most cases settled in one year.

SELENA CHIN

She is a fun loving, disciplined and God fearing young lady. Her biggest inspiration is a speaker she heard and met at Sagicor Motivational Seminar (SMS) 2012, by the name of Derek Mills; he is called the ‘standards guy’. He taught her to “set high standards; and stick to your standards,” She graduated with honours from the University of Technology, Jamaica in 2006 after earning a Bachelor Degree in Business Administration with a major in Marketing. She loves her job and the opportunity to serve her client, stating that one of the standards she sets for herself is to work hard to be the best agent for her clients.


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015 WORKSHOP PRESENTERS

Andre Baptiste is the General Manager of Career Agency Development at Maritime Life and the Managing Director of Andre Baptiste Insurance Services Limited which is contracted as a Consulting Manager of the Maritime Financial Group. Andre was the first Trinidadian to qualify for MDRT Top of the Table and Court of the Table memberships. A multiple MDRT qualifier, Andre has won all Maritime and local industry sales and management awards. He leads a team of 160 financial advisors, unit managers and branch managers.

ANDRE BAPTISTE

Andre joined the Maritime Financial Group in Trinidad and Tobago as a salesperson in 1972. He was promoted to unit manager in 1974, branch manager in 1979 and regional manager in 1996, assuming the position of General Manager, field Operations, just two years later a position he still holds. He was the first president of the now defunct GAMA of Trinidad and Tobago. Baptiste is the holder of several industry professional designations including LUTC FLMI and AMTC. He is the author and presenter of several papers and programs on career agency retention and agent productivity. Ian Narine has 20 years of experience in the financial services industry. He holds a Masters in Business Administration from Manchester Business School is a Fellow of the Association of Chartered Certified Accountants and is a Member of the Chartered Institute of Securities and Investments. Over the course of his career Ian has fulfilled numerous roles and disciplines across the financial services industry.

IAN NARINE

He has practiced as an accountant, auditor, corporate finance consultant, stock broker, investment adviser, portfolio manager, wealth manager and private banker. He has also been involved in financial analysis and research, macro-economic analysis, financial risk management and internal audit. Currently he is a Member of the Investment Committee of the National Insurance Board of Trinidad and Tobago and sits on the Board of the Trinidad and Tobago Stock Exchange and First Citizens Bank. Ian is also a regular contributor to the print and electronic media on matters related to investing, finance and the economy and has written over 500 columns for the Business Guardian spanning over eleven years.


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015 WORKSHOP PRESENTERS

Winston S. Williams embarked on a career in the insurance industry at the early age of nineteen (19), in an effort to support his family and put his siblings through secondary school. What started out as a need soon turned into a passion. He started in 1983 as a Unit Manager in CALICO where he was responsible for a unit comprising of eight sales staff. Winston’s success is not only limited to his astounding involvement with MDRT. His achievements locally are also overwhelming, where he is consisting recognized by our local insurance body, Trinidad & Tobago Association of Insurance and Financial Advisors (TTAIFA), as an industry leader supreme. Over the years, he has been called upon by many local banks and insurance companies, as well as the Caribbean Association of Insurance and Financial Advisors (CARAIFA), to provide sales training for their staff and Financial Advisors. The Business Guardian also features his financial planning advice from time to time.

WINSTON WILLIAMS

Winston continues to avidly digest information relevant to both the local and global industry, ensuring that his knowledge is current and relevant when dealings with his clients and his Financial Advisors alike. Dr. Safeeya Mohammed graduated as the Class Valedictorian, and has been taking on challenge after challenge. From the responsibilities of the Neonatal Intensive Care Unit, where she previously worked, to now Preventative Care Medicine, the director of a holistic health consultancy, Wellness Rocks TM motivating and guiding personal and corporate clients towards achieving optimal health and wellness. Her passion for compassion guides her altruistic endeavors, as she is involved with many charitable NGO’s, the Paediatric Cancer Foundation (JBF), the National Muslim Women’s Organization, the Daren Ganga Foundation, to founding and being the Chairman of S.O.S. Babies, (Supporting our Sick Babies), a counselling and support group for parents whose new-borns are in the NICU.

DR. SAFEEYA MOHAMMED

Her pursuit in excellence has been recognized, most notably by invitation to the International Visitor Leadership Program of the US Department of State, an exclusive program whose alumni includes many world leaders. In 2011, at UWI’s 50th Jubilee, she was chosen as one of their 50 Distinguished Alumni. The youngest of the most outstanding graduates selected from the alumni since inception of the institution.

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA CONGRESS 2015 WORKSHOP PRESENTERS

Warren Sookdar is a results driven and accomplished executive who is acknowledged for building and managing successful I.T. teams both in the Caribbean and Canada. His particular strengths are in aligning corporate and business strategies to operational performance thereby creating and maintaining high customer satisfaction levels. He is currently Chief Information Officer at The Trinidad and Tobago Unit Trust Corporation, the largest Mutual Funds Corporation in the Caribbean after having served in a similar capacity at the First Citizens Financial Group which operates in Trinidad and Tobago and several other Caribbean countries, as well as in Costa Rica.

WARREN SOOKDAR

With over 30 years’ experience in IT within the financial services sector, Mr. Sookdar joined Unit Trust Corporation in 2015 and has executive responsibility for the direction of Information and Communications Technology, with emphasis on maintaining service level availability and driving key strategic initiatives and priorities impacting the Corporation. Don La Foucade has been delivering inspirational talks and workshops around the Caribbean since 1999. He is the former Manager, Social Investment, Corporate Communications T&T, RBC Royal Bank and was specifically responsible for coordinating their Young Leaders programme. He also held the position of Secretary of the RBC Education Foundation, working to implement educational projects around Trinidad and Tobago. In 1989, he earned the ‘Most Disciplined Youth Linker’ award for his involvement in the Republic Bank ‘Youth Link’ program.

DON LA FOUCADE

He has also served as camp counselor, director and board member of the YMCA; and host of a TV6 youth production, entitled “Nettwork.” Ever-mindful of giving back to his country, in 2009, Don was nominated to the board of United Way Trinidad and Tobago. Don has supported the local United Nations Development Pro- gramme (UNDP) in its ‘Citizen Security’ initiatives, particularly as they relate to the youth of our nation. He is the author of two inspirational books: “FACING THE STORMS OF LIFE...IN FULL FLIGHT!” published in 2012 which is a workbook com- pilation of inspirational articles, and “IN FULL FLIGHT!” published in 2008.


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA PAST CONGRESS

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

ABOUT CARIFA The Caribbean Association of Insurance and Financial Advisors (CARAIFA) is an umbrella organization of regional Life Underwriting associations whose members are engaged primarily in the sale of the products of Life Insurance and Financial Services companies. The name of the Association was changed in July 2000 from the Caribbean Association of Life Underwriters (CALU) to CARAIFA.

Throughout the years CARAIFA has been adjusting, and upgrading its education programme. At this time, the following programmes are being offered by CARAIFA:

Member Territories include Antigua & Barbuda, Barbados, Belize, Cayman Islands, Dominica, Grenada, Guyana, Jamaica, St. Lucia, St. Vincent & The Grenadines, Trinidad & Tobago and our associate member territories are St. Kitts & Nevis and St. Maarten.

MISSION, VISION & PURPOSE CARAIFA’s Mission/Purpose is to stimulate the educational and professional development of the Life Underwriter /Financial Advisor and foster a spirit of co-operation, togetherness and unity among the territories of the region while ensuring the upholding of high ethical industry standards.

EDUCATIONAL AND PROFESSIONAL DEVELOPMENT CARAIFA is continually exploring new avenues and programmes to improve the educational standing and level of the life underwriter/financial advisors throughout the region. To this end, we offer educational courses as well as Caribbean Insurance Industry Awards.

• •

The Financial Services Certified Professional (FSCP), a designation programme. The Chartered Life Underwriter (CLU), a designation programme. The Chartered Financial Consultant (ChFC), a designation programme. The Chartered Healthcare Consultant (ChHC), a designation programme.

CARAIFA is in the process of bringing on stream new courses and programmes to further develop its members. CARAIFA has also established three industry production awards. These are the CARAIFA Activity Award – in which the emphasis is on activity that is cases settled, the CARAIFA Quality Award – in which the emphasis is on good quality business, and the CARAIFA President Award in which emphasis is placed on premium income. You can visit our website at www.caraifa.com to download the application form. CARAIFA is also in the process of recognizing top sales agents from its member associations on its website.


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

CARAIFA’S SOCIAL ARM CARAIFA FOUNDATION Every year CARAIFA focuses on a health condition where we highlight the importance of health awareness and prevention, in the past we focused on diabetes and hypertension. On October 31st of each year, our membership throughout the region joins its efforts with other health groups to high light a health condition, seeking to educate the public at large. We call this day “The Day of Common Concern” and in 2003 CARAIFA started to devote resources to creating a CARAIFA Foundation. The focus of the Foundation is on kidney complications, as we believe that more needs to be known about this disease as figures are showing an increasing number of deaths from kidney complications in our region. Many territories do not have the capacity to treat kidney failure and many of our friends, relatives and clients have to watch helplessly as their relatives slowly and painfully die from kidney complications. Among the most common persons who fall victim to kidney failures, according to medical sources, are those suffering from diabetes, hypertension and/or heart ailments. As the first step in CARAIFA’s long-term plan in aiding in the fight against kidney disease in the Caribbean, CARAIFA launched its kidney awareness website on October 31st, 2003 in Barbados. Today, Information on the Foundation and kidney disease can be viewed at http://www.caraifa.com/caraifa-foundation.html. The website disseminates information re prevention and early detection of kidney disease. The site also provides valuable information about treatment. It is our ultimate intention to have a facility on this site where kidney donors and patients may be located.

CARAIFA SALES CONGRESSES CARAIFA hosts an annual conference of the Life Underwriters/Financial Advisors throughout the region in May each year. Sales Congresses have been held in Barbados, Bahamas, Belize, Curacao, Dominica, Grenada, Jamaica, Antigua, St. Lucia and Trinidad & Tobago and in April 2015 it will be held in Trinidad & Tobago. These congresses feature motivational and inspiring speakers from our region and internationally.

GENESIS OF CARAIFA FOUNDATION Every year CARAIFA focuses on a health condition where we highlight the importance of health awareness and prevention, and in 2000 and 2001 we have looked at both diabetes and hypertension respectively. Since 2003 CARAIFA started to devote resources to creating a CARAIFA Foundation. The focus of the Foundation is on kidney complications, as we believe that more needed to be known about this disease as figures were showing an increasing number of deaths from kidney complications in our region. On October 31st, CARAIFA’s anniversary, was the day when our membership throughout the region plans and delivers a project to raise funds or highlight health issues and promote awareness. We call this day “Day of Common Concern.” In 2005 we intensified all efforts to alert the population in all territories on the need to prevent kidney disease. Furthermore our aim is to assist kidney patients in dire needs and disseminate information to as many persons as possible.

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

A MESSAGE

FROM MDRT CARIBBEAN ZONE CHAIR

SAAD BAKSH FOR CARAIFA CONGRESS 2015

It is with a great sense of humility that I address you on behalf of the Million Dollar Round Table’s Caribbean Zone. This year your theme “The Pursuit Continues…” is indeed very appropriate for this time of great opportunity that exists ahead. As we continue our pursuit for excellence and success we must remember our sacred responsibility as financial advisors/financial planners/ life insurance agents to our prospects and clients with respect to their pursuit for financial freedom, achieving financial goals and ensuring that all their financial responsibilities are covered. When we assist our prospects and clients in their pursuit then and only then we are truly on the road for our pursuit. The Million Dollar Round Table is the premier association of financial professionals worldwide. To attain MDRT membership a financial advisor must be a member of their respective local association, must be operating an ethically and legally sound practice and must achieve the production requirement. Over the years we have seen an increase in the production requirement for Caribbean advisors to attain MDRT membership. I am pleased to announce that due to the hard work by your Caribbean Country Chairs and Company Chairs we have been successful in our lobbying for the production requirement needed in 2015 (to achieve membership in 2016) to remain the same as 2014, there was no increase. This is great news for all our advisors and aspirants (mentoring program). Your MDRT Country Chairs are always willing to assist and provide additional information concerning qualification and benefits of MDRT, they are as follows: Jamaica – Ms. Meila Mc Kitty

Barbados – Mr Reuben Brathwaite Bahamas – Mr. John Hepburn Trinidad and Tobago – Mr. Sean David As your Caribbean Zone Chair for MDRT I vow to continue our partnership with CARAIFA and all local associations to ensure all our advisors operate with the highest levels of integrity and conduct their business with best practice methods used around the world. In a time when some individuals speak of “doom and gloom” we need to be the beacons of hope to our prospects and clients as they need our advice and our products and services now more than ever. Life insurance is still the only financial instrument in the world where a client or a client’s family can be given millions for only paying dollars. When everyone is bringing bills we are the ones bringing the cheques. I take this opportunity to encourage all our Caribbean advisors to pursue excellence with passion. Try to help as much prospects and clients you can and in so doing MDRT membership will be attained. The MDRT Annual Meeting this year will be held in New Orleans, Louisiana USA and in 2016 San Diego, USA. I urge you to qualify and attend this international meeting of the minds. Meet your peers from around the world where ideas and best practices can be shared. I congratulate CARAIFA and TTAIFA on hosting this 29th Annual Sales Congress. Trinidad is my home country so enjoy the hospitality, sights and sounds of our sweet twin island republic. Let us continue our pursuit together!


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

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FUN WITH PUNS • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

BE grateful

• •

I’m reading a book about anti-gravity. It’s impossible to put down. The roundest knight at King Arthur’s round table was Sir Cumference. He acquired his size from too much pi. I wondered why the baseball was getting bigger. Then it hit me. I thought I saw an eye doctor on an Alaskan island, but it turned out to be an optical Aleutian. Did you hear about the guy whose whole left side was cut off? He’s all right now. She was only a whiskey maker, but he loved her still. I couldn’t quite remember how to throw a boomerang, but eventually it came back to me. A rubber band pistol was confiscated from algebra class, because it was a weapon of math disruption. There was a sign on the lawn at a drug rehab centre that said ‘Keep off the Grass’. No matter how much you push the envelope, it’ll still be stationery. It’s not that the man did not know how to juggle, he just didn’t have the balls to do it. A dog gave birth to puppies near the road and was cited for littering. I was going to look for my missing watch, but I could never find the time. A grenade thrown into a kitchen in France would result in Linoleum Blownapart. He drove his expensive car into a tree and found out how the Mercedes bends. Two silk worms had a race they ended up in a tie. A hole has been found in the nudist camp wall. The police are looking into it. Atheism is a non-prophet organization. A rule of grammar: double negatives are a no-no. A backward poet writes inverse. In a democracy it’s your vote that counts. In feudalism it’s your count that votes. I didn’t want to buy leather shoes, but eventually I was suede. Two hats were hanging on a hat rack in the hallway. One hat said to the other: “You stay here. I’ll go on a head.” I wondered why the baseball kept getting bigger. Then it hit me. John Deere’s manure spreader is the only equipment the company won’t stand behind. The short fortune-teller who escaped from prison was a small medium at large. Police were called to a day-care where a threeyear-old was resisting a rest. The man who survived mustard gas and pepper spray is now a seasoned veteran. To write with a broken pencil is pointless. When cannibals ate a missionary, they got a taste of religion. A small boy swallowed some coins and was taken to a hospital. When his grandmother telephoned to ask how he was, the nurse said ‘No change yet’. I used to have a fear of hurdles, but I got over it. What did the grape say when it got stepped on? Nothing - but it let out a little whine.


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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

ABOUT TTAIFA The Trinidad and Tobago Association of Insurance and Financial Advisors (TTAIFA) was incorporated in 2003. Its predecessor was the Life Underwriters Association of Trinidad and Tobago (LUATT) which was established in 1975 by a group of Million Dollar Round Table (MDRT) sales persons with a need to belong to a professional association and to further educate themselves. TTAIFA is a member of CARAIFA and is governed by a Board, the members of which are Insurance Advisors from different Companies.

MISSION, VISION & PURPOSE TTAIFA’s mission is to empower stakeholders with knowledge and training through quality holistic developmental programmes by providing the following: T - transformational development T - technical advancement A - attitudinal change I - insightful resourcefulness F - foundation building A - alliances The Association’s vision is to be the foremost and trusted provider of professional services for the Insurance and Financial sector and its purpose is to enrich T&T, one family at a time, by ensuring the long-term growth of our Industry.

ROLE AND FUNCTION OF TTAIFA TTAIFA is a registered post- secondary or tertiary institution with head-quarters at 129 EDWARD Street Port of Spain. The Association is ACTT registered and is licensed to provide professional education for Life Insurance & Financial Advisors in Trinidad & Tobago. Through a framework of cooperation with the American College and the Centre for Professional Development, the Association has been providing open enrolment program delivery and facilitation services for a wide range of courses leading to designations such as: Life Underwriter Training Council Fellow (LUTCF), Financial Services Specialist Courses (FSS), the Agency Managers Training Course (AMTC) a module of the Chartered Insurance Agency Manager (CIAM) .

New relevant programmes are being introduced all in the continuing process of better educating and certifying students. One such programme is the Financial Services Certified Professional (FSCP) which began on July 1st 2014 and replaced the LUTCF and the FSS.

FSCP (from July 2014)

FA 201 Techniques for Exploring Personal Markets FA 202 Techniques for Meeting Clients Needs FA 257 Essentials of Life Insurance Products FA 261 Foundations of Retirement Planning FA 262 Foundations of Financial Planning- An Overview FA 263 Foundations of Financial Planning- The Process FA 271 Foundations of Estate Planning FA 290 Ethics for Financial Services Professional FP 99 Online Certification Course The Agency Management Training Course – AMTC, a module of the CHARTERED Insurance Agency Manager Programme (CIAM). These Courses are offered each Semester and there are three semesters per year. Venues are selected Insurance Companies throughout Trinidad and Tobago, based on the locations of the enrollees. Facilitators are qualified and experienced insurance advisors who have been certified by the programme providers. The Association has been showing strong growth. During the period 2003 to 2014, membership has expanded by 28% and enrollment quadrupled by 478%. Our successes have been recorded as follows: 206 advisors received the LUTCF designations during the period 2003- December 2014 69 advisors attained FSS status from 2008 when the programme was introduced to December 2014 and 79 persons completed the AMTC from 2002-2012 In addition to these formal programmes, seminars are arranged from time to time and annual Sales Congresses are organized. The Congresses feature renowned international and regional experts as main platform speakers and facilitators of workshops. The Association aims to continue expanding its programs and enhancing the efficiency and productivity of advisors.


CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...

TTAIFA STAFF

CAROL SALIM General Manager

AUDRA SPENCE Accounts Officer

LEISELLE ANN BOREL Education Officer

KRYSTAL RAYMOND Administration Assistant

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CARAIFA | 29th Annual Sales Congress | The Pursuit Continues...


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CARAIFA 2015  

Designed for the Caribbean Association of Insurance and Financial Advisors (CARIFA)'s 2015 Annual Conference. Cover photo by Kibwe Brathwai...

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