RAMPERSAD BRANCH

🛡️ Trinidad & Tobago · Built for real life here

One bad day
shouldn't cost you
everything.

Accident, illness, hospital, income, your family — covered in one plan you build yourself in under 90 seconds. No forms. No pressure. Just your number.

1 in 4face cancer

$6Mmax cover

★★★★★Trini families

Seen us on 📘 Facebook📸 Instagram🎵 TikTok

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Underwritten by Guardian Life of the Caribbean Limited · Premiums in TTD · Indicative only

Why This Matters

In Trinidad, the unexpected is the only thing you can expect.

An accident or illness doesn't wait for payday. The Personal Accident Plan keeps your income flowing, your family protected and your hospital bills covered — so one bad day doesn't undo years of work.

1 in 4

people in T&T will face cancer in their lifetime

82%

of deaths here are from illness, not accidents

63%

of working adults have no income protection

$800k+

typical cost of a serious cancer treatment journey

What happens if life interrupts your income?

Four gaps this plan was built to close.

💸

Your income stops

If injury or illness keeps you from working, the bills don't pause. Disability Income replaces up to 75% of your salary while you recover.

Covers accident AND sickness

👨‍👩‍👧

Your family's future

A lump sum that clears the mortgage, keeps children in school and gives your loved ones time — not a crisis on top of grief.

Up to TT$6,000,000 cover

🎗️

A diagnosis you didn't see coming

Cancer care drains savings fast. A cash lump sum on diagnosis lets you focus on getting better, not on paying for it.

Paid on diagnosis — your money

🏥

The hospital bill

Private room, surgery, recovery. Hospital Cash pays you for every day admitted; Surgical Expense covers the procedure itself.

Cash paid directly to you

One serious event. Two very different outcomes.

Illustrative: a 12-week disability for someone earning TT$12,000/month.

−$36,000

WITHOUT cover — income lost

−$27,000

savings drained for bills

≈$120/mo

WITH the plan — premium only

+$27,000

income REPLACED + bills paid

The plan costs a fraction of what one interrupted season of income would cost you.

Most "accident" plans stop at accidents.

In Trinidad, 82% of what actually happens to people is illness. Here's the difference.

What you're covered for	This Plan	Typical accident-only plan
Accidental death & injury	✓	✓
Income if you can't work — illness too	✓	accident only
Cash lump sum on a cancer diagnosis	✓	✕
Life cover for natural death (heart, stroke)	✓	✕
Daily hospital cash + surgery costs	✓	partial
Cover your spouse & children too	✓	sometimes
Build it yourself on your phone	✓	call an office

Comparison is general and illustrative of common accident-only personal accident products in the market.

"I never thought it would be me. The cheque came when I couldn't work a single day — that's the only reason we kept the house."

— Policyholder, Central Trinidad

Step 1 of 4

How would you like to proceed?

Both options are free and put you in touch with a licensed Rampersad Branch advisor.

Step 2 of 4

Your contact details

So an advisor can reach you and prepare your application correctly.

Full name *

Mobile *

Best time to reach you

Preferred contact method

Step 3 of 4

Make sure you understand your plan

A few important things about how this plan works. Please read each and tick to confirm — this protects you.

I confirm the information I provide is true and complete, and I understand giving false information can void my policy.

Step 4 of 4

Review & submit

Check everything looks right, then send it to the Rampersad Branch.

✓

BENEFIT	COVER	PREMIUM
TOTAL POLICY PREMIUM

Agent Details

Agent Name

Agent Code

Client Profile

Full Name

Age Last Birthday

Gender

Smoker Status

Annual Gross Income (governs ADD min/max & DI cap)

Occupational Class

Select Class

Build the Cover Plan

Toggle each benefit to reveal rates, contract rules, and a ready-to-use sales script. Every number updates live.

Quick Load →

👨‍👩‍👧 Young Family

💼 Professional

🏆 Senior Executive

🔧 Self-Employed

✓ Verify (Ricky)

ACCIDENTAL DEATH & DISMEMBERMENT — MANDATORY BASE BENEFIT

SUM ASSURED

$200K

$400K

$600K

$1M

$2M

$300K

✓ Waiver of Premium — Automatically Included

All premiums waived on permanent disability · Base = max($307, HC annual premium) · DI excluded

TT$0.00

SPOUSE & CHILDREN COVERAGE

      CONTRACT RULES: Each secondary insured's ADD SA cannot exceed the primary's ADD SA. Children (0–17) are only eligible for Hospital Cash, Hospital Surgical, and Accident Emergency. DI and WOP are not available to children.
    

TOTAL PREMIUM · MONTHLY

TT$0.00

per month

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Happy with your plan? 🎉

You're one step from being protected. Choose how you'd like to move forward.

No obligation · Your details stay private

🎯 LIVE AGENT SCRIPT

Enter the client's name and toggle benefits to activate your personalised closing script.

📊 WHY THIS MATTERS IN T&T

1 in 4

Trinidadians diagnosed with cancer in their lifetime

82%

of all T&T deaths are natural — not accidental

$800K+

Average private cancer treatment cost (TTD)

63%

of T&T households have zero disability income cover

💬 HANDLE OBJECTIONS

"IT'S TOO EXPENSIVE"

"Let's put this in perspective. That's just TT$— per day — less than a roti and a juice. For that daily cost, your entire family is financially protected if anything goes wrong."

"I'LL THINK ABOUT IT"

"I understand completely. The challenge is your premium is locked to your age today. Every year you wait, this policy costs more — permanently. The rate you qualify for right now is the cheapest it will ever be for you."

"I'M HEALTHY / I DON'T NEED IT"

"That's exactly why you qualify. Insurers can only cover healthy people. Once a diagnosis happens — cancer, heart disease — this cover gets excluded or declined. The time to buy is when you don't need it."

"MY EMPLOYER COVERS ME"

"Group cover ends the day you leave that job — redundancy, retirement, resignation. This is your own personal policy. It belongs to you, follows you for life, and no employer can ever take it away."

"I HAVE A HEALTH PLAN"

"Health plans cover medical bills — they don't replace your salary if you can't work, or pay a lump sum if cancer is confirmed. This plan does things a health plan was never designed to do."

One bad day
shouldn't cost you
everything.

In Trinidad, the unexpected is the only thing you can expect.

Your income stops

Your family's future

A diagnosis you didn't see coming

The hospital bill

One serious event. Two very different outcomes.

Built around what matters to you

How would you like to proceed?

Your contact details

Make sure you understand your plan

Review & submit

RAMPERSAD BRANCH

PROPOSED INSURED

One bad dayshouldn't cost youeverything.

In Trinidad, the unexpected is the only thing you can expect.

Your income stops

Your family's future

A diagnosis you didn't see coming

The hospital bill

One serious event. Two very different outcomes.

Built around what matters to you

How would you like to proceed?

Your contact details

Make sure you understand your plan

Review & submit

RAMPERSAD BRANCH

PROPOSED INSURED

One bad day
shouldn't cost you
everything.