AGM booklet 2006 - TTAIFA

ANNUAL GENERAL MEETING
Start time 9:30 a.m.
Officiating Officer - Mr. Henry Harper, HND – General Manager, TTAIFA
1. Welcome
2. National Anthem
3. Invocation
4. Call to order
5. Reading of Standing Orders
6. Minutes of 2005 AGM (taken as read)
7. Confirmation of above
8. Board of Directors Report
9. Comments
10. Adoption
11. The Election of the auditor for the 2006 term
12. Auditor’s Report
13. Comments
14. Adoption of the Report
15. Guest Speaker – Ann Marie Narine, MBA
16. Presentation of Resolutions
17. Adoption of Resolutions
18. Installation of New Board
19. Incoming President’s Address
20. TTAIFA Awards
21. Other Business
22. Close
1

MISSION STATEMENT
To be recognized by
our customers as the
professional Association of
choice in the Financial
Services Sector, constantly
providing irresistibly better
opportunities for our
members to develop their
potential to its fullest, that
they in turn will impact
positively on the lives of
their customers.
2

STANDING ORDERS
1. (a) A member shall stand when addressing the chair.
(b) Speeches shall be clear and relevant to the subject before the
meeting.
2. A member shall address the meeting when called upon by the
Chairman to do so, after which, he shall immediately take his seat.
3. No member shall address the meeting except through the Chairman.
4. A member may not speak twice on the same subject, except:-
(a) The mover of a motion – who has a right to reply
(b) He rises to object or to explain (with the permission of the
chair).
5. No speeches shall be made after the question has been put and carried
or negative.
6. The mover of a procedural motion – (adjournment, lay on the table,
motion to postpone), shall have no right to reply.
7. A member rising on a “point of order” shall state the point clearly and
concisely (A point of order must have relevance to the standing
orders).
8. (a) A member shall not “call” another member “to order” but may
draw the attention to the chair to a “breach or order”.
9. Only one amendment, shall be before the meeting at one and the same
time.
10. When a motion is withdrawn, any amendment to it falls.
11. The Chairman shall have the right to a “casting vote”.
12. If there is an equality of voting on an amendment, and if the Chairman
does not exercise his casting vote the amendment is lost.
13. Provision shall be made for protection by the chairman from
vilification (personal abuse).
14. No member shall impute improper motives against another
15. After giving a warning the Chairman shall have power to expel a
member from the proceedings.
16. Only financial members of the Association shall be allowed to
participate actively in the meeting. This includes voting rights.
3

Section 14 – General Meetings of the Association
(1) The Annual General Meeting of the Association shall be held during the
month of April or May.
(3) All financial members shall be entitled to vote at General Meetings.
(5)
(1) (a) A General Meeting may exercise such powers and take such action as may
be exercised by the National Association.
(b) Any matter affecting the National Association policy shall be presented to
an Annual General Meeting in the form of a resolution.
(c) All resolutions shall be forwarded to the Secretary of the National
Association at least 30 days prior to an Annual General Meeting.
(d) The Secretary/ Treasurer shall forward to the Secretaries of all Local
Chapters and members of the Board of Directors a copy of all resolutions
submitted for the consideration of an Annual General Meeting, 14 days prior
to the AGM.
(e) In the event that a resolution(s) is to be presented to an annual general
meeting, the Board of Directors shall, in advance of such meeting, appoint a
Resolutions Committee, which shall meet with the member responsible for the
introduction of the resolution.
(f) The Resolutions Committee shall endeavour to ensure that resolutions to
be presented to the meeting do not overlap one another and are in the best
possible form for consideration by the meeting.
(g) Notwithstanding the foregoing, a resolution may be presented to an
Annual General Meeting after being approved by a two-thirds majority vote of
those present who are entitled to vote.
4

Resolution 1
RESOLUTIONS – TTAIFA AGM 2006
That Maxim Marquez continue in the post of Immediate Past
President for a period of one year, that term being April 2006 to April
2007.
Resolution 2
That Cecil Frederick continue in the post of President for a period of
one year, that term being April 2006 to April 2007.
Resolution 3
That the following persons be nominated to the following posts for a
period of one year, that term being April 2006 to April 2007:-
Resolution 4
1. Raziah Ahmed - Vice President
2. Fabian Carew - Secretary/Treasurer
3. Alicia Birch - Assistant Secretary/Treasurer
That the Nominating Committee would convene a meeting in December
2006 to produce a slate of candidates to be nominated for election at the
2007 AGM for the 2007-2009 term of office.
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5

2005 AGM ATTENDEES
Nadine Thomas SAGICOR Kenneth Rosales CLICO
Errol Toussaint CLICO Marcus Girdharie CLICO
Mrinalini Supersad Guardian Life Ernest Caesar CLICO
Felix Mahadeo Guardian Life Mariana Galindo SAGICOR
Paul Massiah CLICO Christian Grant CLICO
Eartha Mohammed TATIL Curtis Dass Maritime
Andrew Bates CLICO Dianne Martinez Guardian Life
Bernadette St. Rose CLICO Sherma Henry CLICO
Jeffrey Robinson CLICO Assad Mohammed Guardian Life
Stafford Yorke Guardian Life Cecil Frederick ALGICO
Calvin Mendez CLICO Colleen Arneaud Guardian Life
Alicia Birch ALGICO Kantha Kadur Guardian Life
Leselle Lam De Souza – Guardian Life
Pauline Mc Kenna-Sebro – Guardian Life
Fabien Carew - CLICO
6

Minutes of the
TTAIFA 2005 National Annual General Meeting
held on Thursday April 21 st 2005
beginning at 10:35 a.m.
Venue – The Kapok Hotel
Officiating Officer – Mr. Christian Grant – CLICO
National Anthem – This was sung in acapella style by Mariana Gallindo of Sagicor.
Invocation - Marcus Girdharie of CLICO did this.
After the formalities the Presiding Officer read the Standing Orders by which the meeting
would be guided. At this juncture the President of TTAIFA, Mr. Cecil Frederick was
introduced; he apologized for the absence of the Secretary Treasurer who had an
examination and also the Immediate Past President who had an urgent matter to deal
with. He then read to his Board of Directors Report.
COMMENTS ON THE BOARD OF DIRECTORS REPORT
From Mr. Errol Toussaint
He stated that a couple of years before, the members at that AGM were told that the plans
were drawn and TTAIFA would be embarking on the erection of a new building. He
asked if some light could be shed on this.
The President answered that Mr. Toussaint was correct in what he said, but the Board of
Directors revisited the plans and another set of ideas were tabled and accepted, this would
entail a new building to adjoin the old structure with conference facilities etc, and
therefore new plans would have to be drawn.
Mr. Toussaint was satisfied and thanked the President for enlightening those present.
Mr. Andrew Bates questioned the absence of his names as well as those of some
members of his agency from the membership listing published in the AGM Booklet.
The President responded that this may have been a typographical error and he would ask
the staff at the Secretariat to rectify this.
7

ADOPTION OF THE BOARD OF DIRECTORS REPORT
This was done my Mr. Errol Toussaint and Mr. Assad Mohammed respectively.
CONGRESS 2005
Mr. Felix Mahadeo, Congress Director 2005 gave highlights about the TTAIFA 2005
Congress “Tapestry……colours of life”. He said that personal invitations were sent to all
members to attend the congress.
Tapestry was carded for September 11-14 2005 at twin venues, Central Bank Auditorium
and Crowne Plaza.
The Congress Director encouraged all managers and salespeople to attend and noted that
the times were challenging and industry salespeople needed to be more equipped to
increase their potential.
Assad Mohammed brought back up the subject of inaccuracy in the membership listing
and asked whether TTAIFA had purchased the software package to deal with this.
The President said that it was purchased but staff training was needed for the new
programme. He promised that this would not occur again at an AGM.
AUDITED REPORT
Mr. Stafford Yorke who was standing in for Mrs. Ahmed – the Secretary/ Treasurer who
was unavoidably absent, introduced the Auditor, Mrs. Allyson Smart-Cooper and her
assistant Latoya Braithwaite.
Mrs. Smart-Cooper presented the audited report for the term under review.
Mr. Andrew Bates asked where TTAIFA’s investments were placed.
Stafford Yorke replied to this question outlining that the investments were held in the
Unit Trust Corporation, 1 st and 2 nd Scheme and that the TTAIFA Board was in
discussions on this issue to invest in other areas.
He added that TTAIFA’s money is placed in the banks, but they do not support us.
One member from the floor then asked why we were not investing our money in our own
insurance companies.
8

Mr. Bates said he was willing to assist. He was then informed that an investment would
be made at CLICO.
BAD DEBTS – (Under the Income & Expenditure heading)
The figure of $25,700.00 was amassed by past employees. Mr. Yorke further explained
that the employees at TTAIFA do a lot of extra work, especially when TTAIFA has
embarked on a project or event, e.g. Congress, Awards, Day of Common Concern etc,
and due to this they are offered loans, but the situation got out of hand. However, the
employees in question were written and it seemed unlikely that these outstanding monies
would be repaid due to the current financial circumstances of said ex-employees.
Mr. Toussaint asked whether a committee met to approve those loans and if the person
was employed, then lump sum payments could have been made before they left.
The President – Mr. Cecil Frederick then replied that the employees were terminated and
that a lump sum payment was null and void. He further intimated that one of the
employees was ill and not employed and the other migrated, therefore as suggested by the
auditor, the amount would be written off as irrecoverable.
Mr. Assad Mohammed commented on the fact that approximately TT $50,000.00 is
stated in the audit as a CARAIFA expense each year.
He said the membership questions the role of CARAIFA and the gain to our T & T
members. He continued stating that the belief was that this is a boys’ club and a means
of traveling and liming for certain persons in the hierarchy of the association.
Mr. Mohammed felt that information should be put in our newsletter informing our
members about CARAIFA and the benefits of being a member.
Stafford Yorke stated that a portion of each member’s dues is remitted to CARAIFA each
year. He told Mr. Mohammed that his comments were duly noted and would be
addressed.
Adoption of the 2005 TTAIFA audited report.
Motion moved by: Stafford Yorke – (Vice President TTAIFA acting on behalf of Raziah Ahmed
–Secretary Treasurer)
Adopted by: Kenneth Rosales - CLICO
Sherma Henry - CLICO
9

ELECTION OF THE ASSISTANT SECRETARY TREASURER
For the post of Assistant Secretary Treasurer, one person was nominated, Mrs. Eartha Joy
Mohammed of TATIL.
Due to the fact that no contest was noted for this position – Mrs. Mohammed was
appointed Assistant Secretary Treasurer for the April 2005 – 2006 term of office.
The President then installed Mrs. Mohammed into her new position.
PRESIDENT’S REMARKS
The President – Mr. Cecil Frederick then addressed the meeting. He indicated that he
had completed one year of his two year term.
He continued stating that TTAIFA’s financial status was healthy and an investment
committee was instituted to review our investment portfolio and make recommendations,
the first one being the CLICO investment of 200,000.00.
Mr. Frederick seeked to address the “Why CARAIFA” question. He gave a brief
overview of CARAIFA and added that with the coming into effect of the CSME,
CARAIFA would need to be a major player in this scenario, representing all the LUA’s
in the Caribbean.
In the view of education, he said that CARAIFA had made ties with the American
College and they in conjunction with our representatives were working on the
Caribbeanisation of the CFP Programme especially in the areas of law and taxation. The
President continued stating that with the Caribbean CFP our designation holders would
be more marketable in the CSME Scenario.
He pleaded with members present to build relationships and desist from proselytizing.
Mr. Frederick told members of his work on the TTII Board and said that this was an
avenue where the TTAIFA view could be tabled at governmental levels.
APOINTMENT OF AN AUDITOR – for the 2005 Financial Year
Motion: That Garison & Co. of 55 Edward St, Port of Spain be appointed as
the auditing firm for TTAIFA’s 2005 Financial Year.
Moved by: Curtis Dass
Seconded by: Assad Mohammed
10

Motion: Carried by all present.
Assad Mohammed expressed his thanks to the President and Board of TTAIFA. He said
he was aware of how tough the job of managing the association was and in spite of all the
challenges they had a successful year.
He added also, that the presentation done on CARAIFA earlier by Mr. Frederick should
be sent to the membership other than through the newsletter. He also mentioned that our
association was a pseudo union, although we did not know it yet.
Mr. Mohammed said that companies would take stock of TTAIFA because of the fact
that we represent almost all their salespeople and TTAIFA has weight because of the
relationships fostered among all agents/ salespeople across the board. This he felt, makes
the Head Office personnel take notice of TTAIFA.
CSME - The person responsible for P.R. on the TTAIFA Board was
mandated to organize a seminar for our members on the CSME.
Pauline Mc Kenna-Sebro asked what was TTAIFA doing to encourage attendance at
meetings.
Mr. Marcus Girdharie suggested that out of the $200,000.00 airmarked for the
investment, extract a portion of it to hire a professional Marketing Company/ P.R. Firm
to do an analysis of our Association and guide us as to how we can find innovative and
creative methods to promote the association.
The President said that TTAIFA was in the process of seeking official non profit status
and when that was approved No VAT would be paid on course material etc.
He also gave an overview of the new staffing positions and made introductions of the
staff present.
Ann Marie Edwards - Administrative Manager
Marcia James - Accounts Officer
Rhonda Dasent-Alleyne - Customer Sales & Service Representative
Althea Victor - Office Assistant
Rommel Douglas - Office Clerk
The President informed the meeting that the Board was in the process of advertising for a
General Manager. He added that TTAIFA could not only pay the market price for the
type of qualified person needed for the job therefore the task would be a little harder to
get someone of quality.
11

Mr. Errol Toussaint said that at the next AGM he would like to see a projection of the
income and expenditure for at least a six month period.
Mrs. Eartha Mohammed said that the managers needed encouragement to get back
involved in TTAIFA so that they could encourage their people.
On another note Mr. Assad Mohammed suggest that we decentralize the organsiation, sell
the present property and purchase property out of the city where parking would be
available and also there would be enough land to construct a much larger office equipped
with adequate conferencing facilities.
The President said that consideration would be given to the formation of a central
Chapter, but a feasibility study must be done first.
The meeting was brought to a close at 11:45 a.m.
Respectfully submitted
Ann Marie Edwards-Mejaries
Administrative Manager.
12

ALGICO
TTAIFA MEMBERSHIP LISTING 2006
Carlton Buckmyre
Randy Ifill
Ivan Hood
Wayne Luke
Gail Ali-Paul
Veda Jackson
Dominic Scott
Marva Sandy
Chandradaye Surujbally
Eulaline Mendoza-Keith
Wesley George
Candy La Touche
Denecia Mathison-Milette
Cecil Frederick
Alicia Wells-Birch
Judy Ramcharan
Atheline Valentine-Alexander
Stephen Huggins
Allan Lee
Beverly Best
Trevor Garcia
Michael Edghill
Hayden Rudolfo
Dennis Nimblett
Larry Bachansingh
Margaret Yeates
Lois Liverpool
Pamela Solano
Keith Cumberbatch
Sisnarine Maharaj
Melissa Aqui
Allison Diaz-Lewis
Josette Pierre-La Fon
Sita Mykoo
Valentine Frank
Balgobin Gajadhar
Albert Al Jmayel
Asha Gonzales
Michelle Duke
Christine Quan-Kep
Gregory Wilson
Carol Ann Pierre
Elizabeth Ribeiro
Kenwayne James
Eric James
Peter Maturine
Margaret Sandy-Smith
Andre Samuel
Rupert Songui
Norman Salandy
Vernon Nelson
Michelle Clarke
Anderson Jackson
Leetha Baptiste
Edmund Riley
Allison Murren
Jannelle Charles
Janet Quow
Sharon Mark
Boxil Charles
Kenrick Cuffie
Patricia Rock
Marlene Imamshah
Ravi Lakhan
Anthony Beharry
Norris Lovelace
Vernon Gray
Manoj Rambadan
Anthea Walcott
Mazuree Ali
Randon Gopaul
Amery Rauseo
13

Walletta Lewis
Lystra Baptiste
Patricia Nelson
Arturo Rauseo
Roger Mitchell
Somarpersad Siew
Donna Martin
Glenn Gonzales
Alfredo Guerra
Warren Bruce
Ilitty Mollino
Beryl Providence
Chrisopher Laptiste
Hollis Lezama
Elisha Ramdass
Susan Jachdeo
Philippa Hope
Cheryl Edwards-Gilkes
Patricia Lezama
Marcia Paul-Austin
Nicollette Phillip
Rebecca Joseph
Nicole Hines
Ricky De Suze
Andy Gour
Addanna Peruse
Ena Jaggernath-Boodram
Reuben Singh
June Honore
Valerie Toussaint
Karlene Job
Hildra Sanbadra
Sharon Nelson
Salome Barton
Umella Blackman-Denoon
Satisha Sandy
Lisa George
Nneka Charles
Benecia Douglas
Akeila Murphy
Jefter Andrews
CLICO
Lalchan Jaggat
Premdath Seegolam
Mitra Salick
Victor Chinemilly
Arthur Ayers
Lincoln Cooper
Solomon Hem-Lee
Carmen Iles
Fitzroy Jackman
Peter John
Christopher Abellard
Jacqueline Bennett
Nicholas Cabral
Daryl Dasent
Norris Gomez
David Grainger
Rajan Persad Maharaj
Ian Maingot
Marc Pereira
Ralph Walter Weston
John Andre Wood-Salomon
Gilbert Adams
Hayden Blackmann
Michael Caballero
Kevin Davis
Nigel Hadley
Paula Jones
Annette Khan
Paul Massiah
Peter Roberts
Kirton Daniel
Allyson Joefield
Raziah Ahmed
Joan Ali
Towheed Ali
Ashmead Baksh
Shiva Boodram
Irene Clement
Siewnath Dalchand
Peter Dass
Ann Haynes
Amina Hosein
Fanzillah Khan
Ousman Mohammed
David Persad
Naidu Powdhar
Earl Steeple
Damian Cuffy
Anna Dyer-Lazarus
Paul Fyfield
14

Christian Grant
Richard Ramgoolam
Fitzroy Sirjuesingh
Keisha Sirjuesingh
Paul Alexander
Adrian Balkissoon
Lydia Bridgelal
Ernest Caesar
Elizabeth Ganga
Sita Harryram
Ernest Jack
Hazel Jackson
Reginald Byer
Jemmot Manmohan
Rolfe Moyou
Eugene Nurse
Tarrawattee Putsam
Vijantie Rampersad
Colin Tang Choon
Betty De Roche
Roger Duprey
Brent Durity
Stella Hamilton
Emile Joseph
Lionel Nurse
Simone Squires
Shakela Alleyne
Charles Balgobin
Dianne Deonarine
Wayne Harewood
Camille Ramdial
Michael Acevero
Lyndon Andrews
Rawl Budhai
Cornelia Carmichael
June H. Dirpaul
Phyllis Gall
Merle James
Margaret Mayers
Afza Mohammed
Judy Mungal
June Noel-Lezama
Lennox Phillip
Brian Samlalsingh
Radica Sammah
Partap Seenath
Gordon Thavenot
Collin Wellington
Kenrick Wilson
Oswald Hem Lee
Judith La Rosa-Joseph
Carl Mendez
Rishi Ramdeen
Errol Toussaint
Wazeed Ali
Arnold Francois
Cleo Joseph
Noel Wendell
Lucky Robinson
Rodney Alexander
Ziyaad Ali
Brian Bain
Shazad Baksh
Ronald Barlay
Solomon Boodhoo
Denise Calbio
Steve Campbell
Patricia Carter
Anthony Cook
Gary Couri
Wayne Griffith
Tyba Hinds
Miguel Hospedales
Steve Husbands
Ingrid Lamont-Charles
Emmanuel Lawerence
Deon Lawerence-De Souza
Clive Louis
Dhanraj Maharaj
Calvin Mendez
Paula Patrick-Stowe
Alfreca Pereira
Krishna Ramgoolam
Kerry Ramjag
Judy-Veronica Weaver
Terrance Williams
John Young
Alisa Ali
Ian Atherly
Sandra Cameron
Fabian Carew
Dean Hamilton
Nigel Sookbir
Ronald Tuitt
15

Rolfe Bartolo
Raphael Bournes
Marius Caballero
Anthony Davis
Clinton Grant
Marlene Lowe
Harrinath Seeram
Victor Sheppard
Birbal Jeewan
Wayne Allum
Deochan Bisram
Heraman Boodram
Lisa Harricharan
Jainarine Maharaj
Jenty Maharaj
Fize Mohammed
Nazir Mohammed
Dayrrel Persad
Harri Tewari
Ray Tuitt
Stella Williams
Nelton Attzs
Roger Choo Quan
Colleen De Gannes
Christopher Gouveia
Lisa Hamel-Smith
Rosano Maharaj
Rawle Rollocks
Keith Wood
Lisa Dean
Sushilla Mc Farlane
Gerard K. Mootoo
Vera Satoo
Jannes Seunarine
Nanda Simbhu
John Farrell
Everard Cabral
Gayatri Baksh
Michael Balloo
Emile Feisal Dean
Pearl Deonarine
Norman Imambaksh
Linda Lalla
Pravita Manohar
Brenda Mohammed
Fareed Mohammed
Rangy Nanan
Claudette Putsam
Tara Roopnarinesingh-Dean
Deborah Sealey
Fareed Shah
Marion Shepherd
Nina Sirju
Nandaye Sookdeo
Devanand Sookhan
Harold Sookhan
Elizabeth Stewart
Beatrice Bridglal
Rhonda Hamid
Hashameen Mohammed
Terrignath Ramsahai
Robert Bedeau
Marcus Girdharrie
Tracey Heeralal
Patti Hudson
Aleem Mohammed
Basdeo Ramnath
Patricia Ramoutar
Wady Shallow
Rosabelle Soomair
Angela Aleung
Hollis Arthur
Bernice Ruby Cumberbatch
William Gibbs
Wilfred Joseph
Mariam Rahman-Asgarali
Manitram Ramnath
Trevalyn Alexandrina Sucre
Josianne Bovell
Keith Eversley
Barbara Kanhai
Anthony Ramsingh
Stokely Regis
Myron Rudder
Judith Vire
Colman Chan King
Shawnrick Crooks
Gladwyn Dolabaille
Reshma Tricia Dookie
Patricia Dwarika
Theresa Escalante
Rae Francis
Camille Gomes
Nicholas Gopaul
16

Bryan Gordon
Sharon Iton
Chrishna John
Gerald John
Maureen Joseph
Azad Khan
Ivan Mark
Lisa Mayers
Faizal Mohammed
Thomas Nancoo
Rohini Narinesingh
Jarod Perryman
Nigel Phillips
Cheryl Pierre
Angenie Rampersad
Gina Rampersad
Karan Ramsundar
Yaminee Priya Samlal
Joanne Superville
Martin Thomas
Valerie West
Marsha Wharwood
Winston Williams
Betty Affonso
Lorne Ali
Zameer Ali
Sheila Atherley
Crystal Chong Ling
Stacey Clarke
Wilkinson Coker
Brent Coutain
Ralph Coutain
Gale De Shong
Sedonio De Silva
Sherma Henry
Michael Jawahir
Jennifer Khan
Wayne Lezama
Dave Morales
Parris Persaud
Ronald Pollard
Jeffery Robinson
David Tang Nian
Martin Lashley
Curtis Lee Chow
Jennifer Lessey-Jordan
Erica Lessey-Thonas
Cyril Mathew
Kenneth Rosales
Bernadette St. Rose
Nigel Dickenson
Shaun Forbes
Michael Mc Intyre
Neeron Baird
Tara Ramsundarsingh
Vitra Imambaksh
Cheryl Ann Linton
Oneka Peters
Brendon Alexander
Kevon Wilson
Sita Maharaj-Pundit
Veeda Gobin
Winston Nanan
Debbie Mohammed
Sandra Marajh
Sabita Mahase
Neesha Sadar
Frances Smith
Lester Alleyne
Farah Achee
Kerron Hyndman
Nigel Salina
GUARDIAN LIFE
Lenox Barrow
Charles Murray
Ricky Rampersad
Zaitoen Baksh
Karen Ramcharan
Sebastian Chase
Jemma Marquis
Doreen Quan Chan
Mulchan Lewis
Denise Richardson
Sean David
Narissa Mohammed
Julica Nana Bhagwandeen
Michael Ibrahim
Jacob Harrilal
Alimuddin Mohammed
K. Ramroach
David Parasaram
17

Miguel Crosby
Vedaish Maharaj
Angela Joseph
Premchand Dookran
Charmaine Roberts-Narine
Christine Dyette
Betty Fraser
Lynda Persad
Aleema Mohammed
Javid Ali
Norma Lum Hee
Jassodra Ali
Richard Demming
Oswald Alexander
Kelly Harper
Rene Wanliss
Raymond Elias
Dominic Ambrose
Robert Dyal
Paula Perry-Arthur
Janine Guillame
David Roberts
Shawn Lewis
David Guevara
Paula Cournand
Vernon Fingal
Jeffrey Mazely
Rudolph Gaskin
Frederick Maryuen
Anthony Morton-Gittens
Richard De Frietas
Anthony Reyes
Bianca Garraway
Denis Nurse
Rhea Samuel O'Brien
Stephen Lewis
Gail Steele
M. Persad Ekta Consultants
Gerhard Akien Ltd
Catherine Lee Lum
Michelle Persad
Gale Richardson
Carl Jeffers
Juan Cedeno
Jo-Anne Elbourne
Lauren Ramkisson
Kathryn J. Williams
Sunil Ramnarine
Kathy-Ann Hutson
Anjani Maharaj
Anthony Taitt
Roderick Pinheiro
Aleem Hosein
Ian Bradley
David Gordon
Aura Thompson
Carl Maharaj
Rena Mansoor
Angel Landeau
John Llyod
Clinton Corbin
Nadia Lashley
Keon Gonzales
Curtis Clarke
Garfield Clouden
Natalie Jarvis
Marlene Martin
Eggleton Stanislaus
Jeremy Lawerence
Robert Taylor
Carlyle Fletcher
Marilyn Belgrove
Beresford Morris
Daniel Dookie
Andre Achee
Winston Mahabir
Davija Ramnarine-Ragoo
Ena Hajarysingh
Diana Beddoe
Carlyle Lasana Fletcher
Kantha Kandur
Vindra Ramkissoon
Prematee Ramsoomair
Neela Ali
Gem Saunders-Le Maitre
Barry Joefield
Terrence Siewdass
Tara Lal Chan
Ramlochan Bhagwandass
Lorne Ramsoomair
Larry Gocool
Zobida Mathura
Anna Haynes
David Rampersad
18

Oswald Joseph
Lance Noel
Gail O'Brien
Sherima Ali
Mrinalini Supersad
Amrall Ali
Eric Henry
Freddy Jaggernath
Ann Marie Bowrin
Calvin Hunte
Ramchand Holass
Darren Bepath
Lurtan Patterson
Mohanie Ramnarine
Curtis Siboo
Naim Ali
Ria Murray-Payne
Shawn Grant
Zorena Khan
Joy Ramsey-Singh
Angela Tobias
Hilary Brown
Zaniffa De Frietas
Simon Harrilal
Stephen Gobin
Allyson Humprhrey-Mitchell
Pauline Douglas
Brian Dookeran
Martha Greaves
Gail Grant
Doreen Fernandes
Terrence Gopaul
Russell Osbourne
Tarran Rampersadsingh
Pearl Ramsaroop
Leonard Bowrin
Kadim Mohammed
Devan Narine
Yvette Gay
Elisabeth Thompson
Lucy Williams
Yugeshnarine Maraj
Michelle Mahabir
Praima Hosam
Christian Ali
Lenny Shah
Kris Deonanan
Michael Dingwell
Theresa Noel
Allison Hector
Randall Lyon
Winston Archer
Anna Easton
Duane Lee
Ashvin Akal
David Webster
Edward Duchesne
Roger Webster
Anthony Moore
Michael Herrera
Raphael Govia
Jennifer Gibbons-Joseph
Nancy LeeFook
June Maynard
Shalima Mahadeo
Cary Kam Hong
Nicole Gyan
Dean Ammon
Wavney Creese
Scott Sheppard
Kenneth Charles
Sean O'Farrell
Dale Mc Leod
Reuben Raphael
Wayne Jordan
Dave Mitchell
Marcus Lynch
Kendall Lowhar
Mathew Davis
Beverly Ali
Natasha Ferreira
Gillian Thomson
Farron Julien-Peters
Ellen Ghany
Karl Crooks
Linton Price
Nazim Mohammed
Juliette Jacob
Wayne Rivers
Ricardo Smith
Keith Cyrus
Don Ali
Danian Peters
Joella Corneille
19

Carla Pallai
Utam Boodoosingh
Romeo Ali
Garth Thomas
Jessica Jobe
Roxanne Hackshaw
Shaddi Joseph
Sheldon Mycoo
Ronneshia Samuel
Patricia Peters
Trevor Redhead
Kelvin Regisford
Dexter George
Ainsley Ramdwar
Margaret Griffith-Edwards
Delia Agostini
Glen Redhead
Derrick Wallace
Lenore Robinson
Michael Benjamin
Godfrey Lamont
Roger Brumant
Andy Raghunan
Darren Dickson
Jude Cruickshank
Candida Joseph
Sandra Gooding
Bernadette Charles
Bhoodesh Dookie
Geddes Mc Clean
Ingrid Dallaway
Yusuff Adams
Terence Hart
Nicole Waheed
Primilla Mohammed
Kevin Ali
Anjani Dookie
Alloy Dates
Efrem Chookolingo
Jenny Gittens
Ravi Ratiram
Leslie Ann George
Ian Michael Cournand
Cubison Thorne
Wendell Nurse
Rhonda Sargeant
Michele Richens
Christina Revenales
Che Afong
Alastair Cramer
Carla De Silva
Avian Davidson
Jonathanan Agard
Perry Marchand
Mark Haynes
Brent Pitman
Jeffrey Ward
Sandy Xavier
Lisbeth Rudder
Othon Dafos
Lorna Roache
Felix Mahadeo
Patricia Whittle
Carlton Hodge
Bertram Jemmott
Finbar Garcia
Juan Alleyne
Cassandra Samuel
Mauricia Gray
Nicole Rostant
Roger Carraballo
Anthony King
Lily Moniz
Andy Ramlochan
Louisa Henry Douglas
Victor Rattan
David Sammy
Patrick Soo Ting
Juan Mosca
Wayne Mohammed
Norma Camillo-Castillo
Michael Leacock
Basil Joseph
Samuel Noel Snr.
Gayadath Singh
Paul Davis
Joseph Moses
Diawantee Sookram
Neal Ramsingh
Barbara Roberts-Iton
Angela Dass-Ramdeen
Sameer Salloum
Giselle Ocho-Cortez
Marlene Williams
20

Carol Sarwansingh
Raymond Tim Kee
Noel Conliffe
Michael Lawerence
Lynton Coolman
Lerroy Serries
Wayne Sampson
Victoria Learmond-Criqui
Esla Bayne
Zofia Ali
Denise Aleong-Thomas
Marcia Douglas
Antonio Arra
Rene Martinez
Timothy Maharaj
Duane Austin
William Wiltshire
Keith Callender
Alfred Patrick
Cheryl Forde-Johnson
Jacqueline Fournillier
Jeffrey Gajadhar
Leselle Lam-De Souza
Madienne Mahon
Randolph E. Joseph
Linda Tammy Camacho
Mokesh Saroop
Allan Joseph
Joyce Barrington-Thompson
Alvarez Mendez
Marsha Lyons
Robert Stewart
Nicole Joseph
Norva Welch
Allisene Tanner
Nigel Gardner
Irma St. Louis
Joy Reid
Eustochia Thomas
Mario Xavier
Joanne Fletcher
Rozana Gaffoor-Ali
Cindira Maharaj
William Rodriguez
Alicia Jaggasar
Lauren Birot
Hugo Mc Farlane
Hazel Simonette
Lester Cassimy
Gordon Paul
Andrew Hackett
Maureen Providence
Hewson Kelly-Simmons
L Kumarsingh
Pauline Mc Kenna-Sebro
Zolita Motilal
Donnell Lee Ruben
Dianne Martinez
Elliot Pierre
Peter Sebro
Nicole Carter
Villana Hinds
Brilay Simmons
Maria Brewster
Althea Martinez
Dindial Paltoo
Lester Persad
Yvonne Ramsey
Bianca Hull-Nelson
Colleen Arneaud
Lorencia Vialva
Ann Marie Lee-Quai-Lewis
Dyan Bailey
Michelle Tywang
Bernadette Joseph
Sylvester Pino
Jill Harripaul
Marsha Ramkissoon
Pauline Greenidge
Ria Boodram
Faith Pope
Marcia Fournellier
Roger Charles
Clarita Archibald
Sherman Gobin
Sean Manoosingh
Mucleen Fiddler
Marcia Wong
Zina Bobb-Samuel
Oliverre Aimes
Judy Marchan-Woodruffe
Beverly Ramoutar
Lorna Valverde
Shazahra Leia Khan-Camacho
21

Vernice Jordan
Elizabeth White
Devin Beharry
Jaime Joseph
Marcia C. Davis
Ramlal Basdeo
Larry Tai Chew
Edison Doodnath
Darrel Dukharan
Ryan Gobin
Michelle Havelock
Rydell Jagroopsingh
Susan Sinanan
Ronald Roopchand
Ananad Panchu
Assad Mohammed
Cheryl Moonah
Jameel Edwards
Shayamdeo Maharaj
Ahilia Sankar
Raj Mohan
Kaloutie Ragoonan
N. Maharaj
Glenn Ramadharsingh
Anil Beepath
Christiana M. Telesford
Totaram Bensarie
Aarti Maharaj
Annette Mohammed
Lisa Solomon
MARITIME
Lenore Alexander
Maurice Alexander
Cheryl Basso
Richard DeCaires
Ryan Farfan
Michael Hosam
Darryl Kassie
Sharkana Lynch
Maxim Marquez
Marlon Mc Pherson
Brian Peterson
Anand Rajkumar
Indra Ramkissoon -Joseph
Wendel Rigbsy
Alicia Singh
Stefan Stanford
Ann Marie Stephen
Gregory Stone
Allan Tang Choon
Angela Teague
Robert Ward
Patricia Carr
Ann Foster
Glenn Ahing
Roxane Alleyne
Sharon Parris-Andrews
Fazaad Bacchus
Jocelyn Birch
Arthur Bishop
Noel Duncan
Petra Eligon
Will Grayson
Catalena Hamlett
Camille Luana Harding
Richard Hill
Patricia James-Wilson
Linda John
Weleta Jordan
Kathy Ann Karim
Alinton Khan
Sandra Moore-Williams
Janice Bennett Phillips
Donna Salandy
Glenford Samuel
Eric Trotman
Louisa Buchun
Sharon Stuart-Fraser
Alexia Hope
Beulah Ashby
Sarah Superville
Laurel Mendez
Paul Karim
Rupert Seenath
Caron Neckles Ayoung
Mayanti Beharry
Lisa Brown
Ramona Chatar
Dinesh Dass
Louis Edwards
Annuradha Garib
22

Joyce Seejoor-Jasmath
Joseph Neckles
Annie Raghunanan
Neidra Rambaran
Kamal Seunarine
Trevor Baddaloo
Lachme Baldeo
Curtis Berkley
Melicia Alicia Charles
Curtis Dass
Yvonne Diaz-Riley
Umilta Edwards
Kennedy Fleming
Rajesh Gobin
Omatie Hansraj
Kimraj Jaikaran
Nazruzdeen Khan
Gloria Vanda Lans
Stacey Ragoonanan
Leslie Mungal
Saad Baksh
Salima Mohammed
Deodath Ramdathsingh
Samdaye Rampersad
Prakash Dave Roopnarine
Larry Sammy
Marlene Seepaul
Surendra Singh
Colette Springer
Lincoln Tirbany
Ken Traboulay
Ian Williams
Torrance Mohammed
Kenrick Williams
Lester Persad
Sean Manoosingh
Adelle Fuentes
Danny Manaraj
Victor Laptiste
Leslie Selby
Sonia M. Louis
Pauline Mapp-Neptune
Claudia Robinson-Douglas
Tommy Elias
SAGICOR
Jacinto Martinez (Mgr.)
Edwin T. Boyce
Jacqueline Smith
Lennon Naipaul
Henry Harry
Dyal Ramcharan
Wayne Mohammed
Motiram Soochit
Kenneth Charles
Paul Guillen
Jamil Khan
Robert Bates
Khemraj Ramoutar
Khemraj Mangroo
Karlene Chinafat
Scott Thomas
Merlana Boissiere
Yolande Wallace
Joel (Mgr.) Martinez
Michelle Prashad
Mariana Galindo
Ruth Dubar
Kevin Rampersad
C. Rachpaul (Mgr.)
Kenyon Mohammed
Stephen Brown
Stafford Ransome
Paul Keith Francis
Hugh Derrick
Lawerence Aigle
Debra Smith
Gilla Govia Pouchet
David Namsoo (Mgr.)
Rene Pollonais
William St. Aubyn
Abbigail Barnes
Helen Ache
Denis Imbert
Donald Ache
Brigitte Rochford
Salisha Ramjohn
Rasheed Ali
Elvis Lawerence
David Lawerence
23

Debra Sampath
Debra Solomon
Melanie Roque
Gregory Farfan (Mgr.)
Dianne Grell
Jennifer Gonzalez Insur. Services
Anslem Scoon
Enrique Huggins
Ephraim Thompson
Marc Aanensen
Rosa Mahabir
Richard Daly (Supervisor)
Sergio Marques-Pita
Debra Nancoo
Kirk Mc Ivor
Charles Guillen
Danny Singh
Lisa Del Pino-Fanovich
Joyann Andrews
Johathan Decle (Mgr.)
Usuff Abraham
Pauline De Souza
Wayne Decle
Dayna Vieira
Miguel Paty
Antonio Ferreira
Ian Stone
Carla Procope
June Sealey-Webb
Joanne Baptiste
Gemma Thornhill-Lewis
Johanna Andrews
Sevil Mohammed-Fernandez
Sophia Ramsaroop
Marsha Basant
Manu Rampersad
Andy De Vert Insur. Ltd (Mgr.)
Joan Carr Insur. Services
Lester Tobias
Christopher Nancoo
Don Bristol
Victor Guevara
Susan Romano-Davis
Beverly Warner-Mollon
Roy Sydney
Gemma Saunders
David Baird
Sonia Moseley
Elna Du Bois
Susan Gosine
Zandra Baynes
Barbara Granderson
Ann Pollard
Mikel Granderson
Harry Goodial
Nadine Thomas
Courtney Bruce
Ramnarine Maharaj
Jasmine Swann
John Arjoon
Carla Procope
Michael Chung Yan
Ulan Sanderson
Balgovind Indar Lall
Andrew Alexander
Wilfred Holder
Vashan Botha
Joyann Andrews
Wayne Rezende (Mgr.)
Rudolph Ramdeen
Shirley Smith
Lessa Ann Reize
Irma Stanford
Basil Fraser
Cheryl Alonzo
Gary Almondoz
Orlando Wiggins
Omar Mohammed
Dawn John-Durity
Louis Clarke
Tim Wood
Nigel Galt
Chris Knaggs
Heather Carr
Bernard King
Kasi Senghor
Debra Pierre-Daniel
Tahira Sampath
Christopher Alleyne
Vanessa Grosvenor
Brendon Gordon
24

THE TTAIFA
BOARD OF DIRECTORS REPORT
For the April 2005 to April 2006 term of office
Today as I present my
report to you, the
members of this
association, I would
like instead of a welcome, to thank you for attending this very important event in
TTAIFA’s existence. I would also like to thank God for his grace and mercy which
brought me through to this point.
Having said that let me begin.
This report covers the period under review – April 2005 to April 2006.
The association for the period under review was managed by the following members of
the National Board:
Immediate Past President Maxim Marquez
President Cecil Frederick
Vice President Stafford Yorke
Secretary/Treasurer Raziah Ahmed
Assistant Secretary/Treasurer Eartha Joy Mohammed
Chapter Representatives
North Chapter
Leselle Lam De Souza
Hazel Simonette
William N. Wiltshire
Paul Massiah
Fabian Carew
South Chapter
Christian Grant
Gale Ann Merrick
Curtis Dass
East Chapter
Victor Copeland
Alicia Birch
Tobago Chapter
David Dillon
Presented by the President – Mr. Cecil Frederick
25

CHAPTER PRESIDENTS
Leselle Lam De Souza North Chapter
Christian Grant South Chapter
Victor Copeland East Chapter
Portfolios were assigned as follows:
President Cecil Frederick Chairman of the Board and
Executive, Education Chair,
Ex-Officio member of all
standing committees
Immediate Past President Maxim Marquez CARAIFA representative
Nominating Committee
Chairman
Vice President Stafford Yorke Chapter Administration
Secretary/Treasurer Raziah Ahmed Finance
Appointment of an Auditing Firm
Victor Copeland Ethics & Practice
Leselle Lam De Souza Publicity & Information
Christian Grant Taxation & Legislation
David Dillon
Hazel Simonette Fund Raising
Alicia Birch
Garrison & Company were appointed as the auditing firm for the year 2006 at the AGM
held on April 21 st , 2005.
26

2005 National Annual Awards
“The Perfect Weave”
The theme of this function was linked by the threads of “Tapestry”; our 2005 congress
theme, which signified the oneness in purpose that TTAIFA is all about, and that is to
enhance our members personal and business lives.
This function was hosted under the chairmanship of Mr. Stafford Yorke at the House of
Angostura on June 11 th 2005. The guest speaker on that evening was Ms. Wendy Ho
Sing, Deputy Inspector of Financial Institutions.
There were three hundred and twelve persons in attendance and rave reviews were
received from attendees. They were especially pleased with the all inclusive aspect of the
function, which resulted in persons dancing and having fun into the early morning hours.
The top recipients that evening were:
Chapter of the Year South Chapter Raziah Ahmed
(President)
Student of the Year (SOTY) Pauline Mc Kenna-Sebro Guardian Life
Activity Award winner Winston Williams Clico
Best All Round Agent Shama Deonarine Clico
Rookie of the Year Josianne Bovell Clico
Top Producer Male Nigel Salina Clico
Top Producer Female Shama Deonarine Clico
Unit of the Year Zobida Mathura Unit Guardian Life
Best All Round Agency Larry Gocool Branch Guardian Life
2006 TTAIFA “E” Awards
Mr. Louis Mc Mayo was nominated to head the 2006 Awards Committee. This function
is carded for May 6 th 2006 at the Pier 1 venue. This would be an all inclusive affair,
where members who qualify would receive tokens in addition to hors d’oeuvres and
drinks for a reasonable fee on that evening. Look out for more details.
Congress 2005
September ushered in “Tapestry………colours of life”.
This was by no doubt a successful event. Committee members and staff worked
tirelessly to put this show together.
Let me take a few minutes to highlight some of the important weft threads that were
woven to form the pictures and designs of knowledge in our minds during that event, they
were:
27

Felix Mahadeo Congress Director
Louis Mc Mayo Technical
Aleem Hosein Technical
Curtis Dass Congress Registration
Mrinalini Supersad Congress Registration
Ulric Miller Logistics
Rhona Romany Workshops
Assad Mohammed Sales
Jenny Lessey-Jordan Sales
Marlene Seepaul Protocol/Courtesies & Guest Relations
Maxim Marquez Sponsorship/PR & Magazine
Jacinto Martinez Sponsorship/PR & Magazine
Amado Marcano Entertainment & Transport
Lenox Barrow Entertainment & Transport
Nat Wiltshire Finance
Marcia James Finance
Stafford Yorke Housing & Security
Ann Marie Edwards-Mejaries Administration
Rhonda Dasent-Alleyne Administration
Jasmine Bain Main Platform
Garth Thomas Creative Director
Attendees were treated to a world class fashion show and cocktail evening at the Crowne
Plaza poolside to start off the congress. This show featured top fashion houses in
Trinidad and Tobago.
The main platform showcased persons from varying backgrounds and countries – the
USA, Jamaica and Barbados to name a few. In our workshop sessions, participants were
treated to a wide range of topics and made full use of the offerings.
We embraced the poetry……..the music………the dance of energy and information that
skillfully choreographs the fabric of our lives in “Tapestry…….colours of life.” The
words of the illustrious Garth Thomas (Past President of TTAIFA). This is the calibre of
people that we at TTAIFA are so richly blessed.
Special thanks to Mr. Felix Mahadeo and his team who gave freely and willingly of their
time, talents and skills for many long hard months of planning.
Chapter Administration
This task continues to be a challenge as chapters have fallen down in their role, which is
to mobilize the members in their respective areas and keep them informed and abreast of
the happenings in the association and the industry as a whole. The chapters in essence
are the watchdogs of the National Board, to ensure that the operations of this body are in
28

keeping with the mandate of the members and also adhering to the constitution that
governs this body.
However, the Executive of TTAIFA sought to alleviate this proverbial problem and held
meetings with the chapters that were identified as being in need of such assistance.
Arising out of this the Tobago and East Chapters now have active boards to guide the
chapters.
I dare say, that the 2006 to 2007 report under this heading would read differently, more
on the positive
Chapter Highlights
The East, Tobago and North Chapters were plagued with several problems that inhibited
their effective functioning. In the 2006-2007 term of office Mrs. Raziah Ahmed (past
leader of the active South Chapter) would be given the responsibility of Chapter
Administration. We at TTAIFA are hopeful that with her wealth of knowledge as the
past head of a very successfully run chapter and her vast experience as a senior
salesperson, the chapters would be revived. It should be noted that the tenets by which
the chapters are guided must be reenacted for efficient and effective operations of the
organization.
South Chapter
This chapter held four bi-monthly meetings to inform and build the camaraderie among
their members during 2005. Meetings discussed topics such as the CSME, MDRT and
also included a representative from the Unit Trust Corporation who enlightened those
present on the various products offered by that organization. The chapter also hosted a
T & T MDRT night in June 2005. All local and Caribbean salespersons who attended
this meeting were invited. It was a resounding success by all reports.
In October a successful talent show was hosted by the chapter, which showcased various
talents by members of the different insurance companies within the industry. Part of the
proceeds from this venture was donated to a student of the San Fernando Boys RC
School who was in need of a transplant.
Chapter Boards for the 2006-2007 term
South Chapter
I.P.P. Christian Grant
President Curtis Dass
Vice President Marcus Girdharie
Secretary Patricia Ramoutar
Treasurer Marlene Seepaul
Directors:
Marva Sandy
29

Honorary Members
East Chapter
Gail Ann Merrick
Salima Mohammed
Mrinalini Supersad
Sevil Fernandez
Raziah Ahmed
Eartha Joy Mohammed
Rozanna Gaffoor-Ali
I.P.P. Victor Copeland
President Alicia Birch
Vice President Joel Martinez
Secretary/Treasurer Nina Attong
Directors:
Samuel Noel
Steve Husbands
John Mannette
Michelle Prashad
Basil Joseph
Andre Desormeaux
Jacqueline Birch
Trevor Murray
Tobago Chapter
President David Dillon
Vice President Claudette Robinson-Douglas
Directors:
Ann Pollard
Ricardo Duke
Salome Barton
North Chapter
I.P.P. Leselle Lam De Souza
President Fabian Carew
Vice President Paul Massiah
Secretary/Treasurer Ann Marie Lee Quai-Lewis
Directors:
William Wiltshire
Elvis Lawrence
Maxim Marquez
Hazel Simonette
Ellen Ghany
30

The Association
Ernest Caesar
Adrian Balkissoon
In the year under review thirteen National Board and Executive meetings were held; eight
Board and five Executive. The participation at both Board and Executive levels was
approximately 80%.
In our 2005 AGM booklet, we highlighted the fact that TTAIFA was seeking to hire a
new General Manager. We also mentioned that Lyle Williams, who was no longer in our
employ, was ailing and had since died. We remember Lyle for his invaluable
contribution to TTAIFA’s growth and development.
We are now a year ahead since the foregoing was stated. Members, I am pleased to
inform you that the vacancy for the General Manager position has been filled by Mr. John
Henry Harper, no newcomer to our industry and TTAIFA, having worked in several
capacities within the industry – salesman, head office management and was also an active
past TTAIFA member having headed the North Chapter many years ago. I now take this
opportunity to present to you our members Mr. John Henry Harper – General Manager of
TTAIFA.
To my hardworking staff, a special thank you and I cherish the thought that this same
vigour and competence would continue for the next term.
Day of Common Concern – (Charity event)
Our Day of Common Concern charity project took place on October 30 th 2005 at the
King George V park. The sponsorship was not as in the past. However, we appreciate
those received from the following companies:-
Petrotrin
National Gas Company of T & T Ltd.
Clico
Trinidad Cement Limited
National Lotteries Control Board
The field of riders was encouraging but the other participants that is the supporters, left a
lot to be desired. Unfortunately after the final statement of accounts was done, there was
no surplus to be donated to the Renal Care Centre of Trinidad and Tobago and to the
CARAIFA Foundation.
The Board will revisit our Day of Common Concern project to ascertain if the Bike &
Breakfast project should be continued or if we should embark on some other project to
mark the Day of Common Concern.
31

Fred Williams Fund
There is no time like the present, and I would like to take this opportunity to urge
members to make pledges to this important fund. Over the last three years, no activity
has been seen in this area and we would like to see this revived. This is a medium which
assists students who have the ability and are unable to fund their tertiary level educational
aspirations. Members, Fred Williams was a man of integrity, a stalwart of our industry
and an extremely hard worker for this association. Let us honour his memory in a real
way by making pledges to this fund.
Education
LUTC
In 2005 we continued on the educational path with many students attaining success in
their individual undertakings. We can boast of twenty-six persons who qualified for the
LUTCF designation.
Work on the Caribbeanisation of the CFP is in progress as the Education Chair of
CARAIFA seeks to engage the services of University lecturers to create the study text in
the areas of law and taxation. However, it must be noted that this is by no means an easy
task; therefore the processes are long and entails much dialogue. When the syllabus is
completed then certification by the American College would be required. Students who
wish to continue their education in this vein can do so through ADVOCIS until such time
that we are able to offer the Caribbean CFP.
FSS
The FSS programme is now on stream that is the Financial Services Specialist course
which is designed for both seasoned agents and new advisers. Students must have
completed the LUTCF before doing the FSS (exception – students who have attained the
CLU or ChFC). More information can be had from the TTAIFA Secretariat on this.
AMTC
In August last year, our AMTC class commenced with fourteen participants. They were
moderated by Mr. Jacinto Martinez and Mr. Rommel Manickchand. On behalf of the
TTAIFA Board, let me extend our sincerest thanks to these two gentlemen for their
services rendered.
32

CARAIFA
TTAIFA’s relationship with our mother association remains amicable.
The CARAIFA “Gift of Love” programme is a charitable plan that enables you to make
contributions to the foundation each year.
The packages are:
Platinum - US$1,000.00 annually for 5 years
Gold - US$ 500.00 annually for 5 years
Silver - US$ 250.00 annually for 5 years
Bronze - US$ 100.00 annually for 5 years
Or the pledge can be a one time affair. Also note that one-time contributions to the
Foundation in any amount are also welcome.
These donations can offer many advantages:
• Reduce taxes
• Provide access for our members and their families to information and treatment
• Allow you to make a much larger gift than you thought possible
• Receive a current income tax deduction.
One of CARAIFA’s Hall of Fame inductees in 2005 was our own Alvin Alexander, an
industry icon, past president of TTAIFA (two terms), TTAIFA hall of fame inductee and
also past president of CARAIFA. We extend warmest congratulations to Alvin on this
achievement.
CARAIFA’s 18 th Annual Sales Congress will take place in Montego Bay, Jamaica from
May 14-17, 2006 at the Holiday Inn Sun Spree Resorts, under the theme
“WILLPOWER…..unite and show the power”. The congress also includes, at a separate
cost a 4 day/3 night tour of Cuba.
The speakers’ line up includes some of our T & T counterparts, the likes of Raziah
Ahmed, Dale Mc Leod and yours truly – Cecil Frederick.
Congress must be seen as what it is, an educational tool and we urge you our members to
include CARAIFA congress on your calendar of events each year, and I quote……. “A
love affair with knowledge will never end in heartbreak.” Michael Garrett Marino
33

CLOSE
In closing, I would like to place on record my thanks to:
• The TTAIFA National Board and Executive for their wholehearted
support and cooperation during the past year.
• The Marketing Executives and their staff
• The members of the TTAIFA Secretariat.
Signed: ____________________________
Cecil Frederick, CLU
President
Prepared by: Ann Marie Edwards-Mejaries
34

TTAIFA 2006-2007 BOARD OF DIRECTORS
Immediate Past President Maxim Marquez
President Cecil Frederick
Vice President Raziah Ahmed
Secretary/Treasurer Fabian Carew
Assistant Secretary/Treasurer Alicia Birch
North Directors
Paul Massiah Hazel Simonette
Ann Marie Lee Quai-Lewis Elvis Lawrence
William N. Wiltshire
South Directors
Curtis Dass Marcus Girdharie
Patricia Ramoutar
East Directors
Nina Attong Joel Martinez
Tobago Directors
David Dillon Claudia Robinson-Douglas
(alternate)
35