Report on Insurance and Pensions 2007 - Central Bank of Trinidad ...
Report on Insurance and Pensions 2007 - Central Bank of Trinidad ... Report on Insurance and Pensions 2007 - Central Bank of Trinidad ...
172TABLES TABLE XIA STATEMENT OF STATUTORY FUND 2007 - SECURITIES HELD IN TRUST (LONG-TERM BUSINESS) MORE OR LESS THAN REQUIREMENT $ - - Other Caricom Assets denoted in Foreign Currency Total - - - - - - Other COMPANIES TOTAL ASSETS IN FUND TOTAL Foreign ASSETS OTHER Foreign ASSETS - - - - - Foreign Government Securities - - - - - - “Local” Assets Ratio Total “Local” Assets - Caricom Assets - Trinidad and Tobago “Local” Assets - Trinidad and Tobago “Local” Assets Fixed Deposits - - - - Trinidad and Tobago Equities - - REAL ESTATE - - - - - - - - - Mortgages - - - - - - - - - - - - - - Trinidad and Tobago Government securities - - $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ LOCAL - - American Life and General Insurance Company (T&T) Limited 1 - 998,944,181 214,339,722 7,474,007 - - - - 998,944,181 174,527,529 15,278,756 (285,060,157) (2,886,497) (616,729,108) 3,765,770 18,053,868 20,958,197 (14,197,027) 9,556,363 21,909,976 (449,910,676) (73,166) 587,033 (5,900,492) (1,277,173,153) 36,792,427 36,792,427 316,690 316,690 (1,240,064,036) - - - - - - - - - - - - - - - - - - - - - - 998,944,181 166,100,954 - - 12,512,626 30,054,889 - - 74,024,963 3,270,458 - - 1,550,454 99,530,484 - 93,000,000 27,500,000 817,856,138 5,334,100 Bancassurance Caribbean Limited British-American Insurance Company ( Trinidad ) Limited 2. 3. 451,017,290 10,974,359 Caribbean Atlantic Life Insurance Company (T&T) Limited 4. Caribbean Insurance Company Limited Colonial Life Insurance Company (Trinidad) Limited 5. 6. REPORT ON INSURANCE AND PENSIONS 39,812,193 39,812,193 100 81 8,426,575 411,023 9,466,950 9,466,950 98 441,550,340 441,550,340 16,087,788 49,391,812 154,849,654 123,082,140 66,755,715 31,383,231 100 10,974,359 10,974,359 10,866,779 107,580 10,662,996,540 1,460,176,685 1,460,176,685 0 86 9,202,819,855 1,127,972,565 8,074,847,290 1,322,830,007 1,021,497,630 4,694,303,899 585,724,235 57,729,855 392,761,663 1,808,309 87,967,340 19,146,724 54,446,874 77,738,874 87,863 8,332,294 86,159,031 98 1,808,309 7. Cuna Caribbean Insurance Society Limited 4,145,276 Demerara Life Assurance Company of Trinidad and Tobago Limited 8. Guardian General Insurance Limited 9. 10. Guardian Life of the Caribbean Limited 183,454,260 147,235,132 530,033,180 1,497,124,164 136,147,044 758,461,577 3,252,455,357 69,961,920 3,322,417,277 90 368,659,445 368,659,445 3,691,076,722 828,771,781 828,771,781 100 11. Maritime Life (Caribbean) Limited 229,265,474 64,118,348 161,562,717 132,488,156 158,769,466 82,567,620 828,771,781 127,433,138 12. Mega Insurance Company Limited 9,314,668 1,711,569 28,326,033 19,165,121 20,593,209 46,322,538 125,433,138 2,000,000 127,433,138 100 50,928,934 50,928,934 100 13. Nationwide Life Insurance Company Limited 16,321,532 477,692 8,000,000 13,809,983 5,489,892 6,829,835 50,928,934 226,959,283 226,959,283 100 34,926,009 226,959,283 14. Scotialife Trinidad and Tobago Limited 100,703,673 91,329,601 649,653,083 649,653,083 100 187,699,505 648,673,472 979,611 15. Tatil Life Assurance Limited 159,435,219 61,701,620 16,000,000 223,837,128 512,000 512,000 16. The Beacon Insurance Company Limited 512,000 512,000 The Reinsurance Company of Trinidad & Tobago Limited 17. 587,033 0 0 100 587,033 587,033 587,033 11,744,661 11,744,661 100 0 0 799,842 5,444,819 11,744,661 18. United Security Life Insurance Company Limited 5,500,000 TOTAL 1,955,582,814 491,470,555 1,573,228,305 6,837,458,885 1,488,843,199 2,569,637,899 14,916,221,657 1,209,428,534 8,332,294 16,133,982,485 90 1,808,309 1,878,115,273 1,879,923,582 18,013,906,067 CARIBBEAN Life of Barbados Limited 1. 139,172,942 139,172,942 2,099,698,840 1,960,525,897 93 2. Sagicor Life Incorporated 402,329,373 604,935,589 203,154,599 153,947,128 153,376,889 341,160,668 1,858,904,247 101,621,651 139,172,942 139,172,942 2,099,698,840 1,960,525,897 93 TOTAL 402,329,373 604,935,589 203,154,599 153,947,128 153,376,889 341,160,668 1,858,904,247 101,621,651 OTHER Lincoln Assurance Limited 1. 1,031,500 1,031,500 100 1,031,500 2. Sun Life Assurance Company of Canada 1,031,500 1,031,500 1,031,500 100 1,031,500 TOTAL 1,031,500 GRAND TOTAL 2,358,943,687 1,096,406,144 1,776,382,904 6,991,406,013 1,642,220,088 2,910,798,567 16,776,157,404 1,311,050,184 8,332,294 18,095,539,883 90 1,808,309 2,017,288,216 2,019,096,524 20,114,636,407
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 1. 2. TABLES TABLE XII REVENUE ACCOUNT IN RESPECT OF MOTOR INSURANCE - 2007 COMPANIES REVENUE EXPENDITURE LOCAL American Life and General Insurance Company (T&T) Ltd. AMOUNT OF FUND AT THE BEGINNING OF YEAR Unearned Premium Reserve $ 9,374,808 Outstanding Claims Reserve $ 4,594,779 Commissions Received $ 22,026,673 Premiums $ 18,229 Interest Dividends and Rents $ 864,547 Other Profit tOTAL and Loss Adjustments $ $ $ 36,879,036 Payment of Claims Includung Legal and Medical Expenses $ 8,615,803 Commissions Other Transfers $ $ $ $ $ $ $ 3,501,336 Expenses of Management 701,495 1,961,651 to Profit and Loss Account 5,894,311 AMOUNT OF FUND AT END OF YEAR Unearned Premium Reserve 11,477,422 Outstanding Claims Reserve 4,727,018 tOTAL 36,879,036 Bankers Insurance Company (T&T) Ltd. 9,908,549 13,141,824 17,870,081 40,920,454 12,309,214 2,628,787 3,475,583 2,071,354 10,677,425 9,758,091 40,920,454 Capital Insurance Ltd. 31,389,345 32,407,381 73,585,790 4,741,188 142,123,704 56,330,442 4,764,688 8,202,952 (9,037,349) 41,470,114 40,392,857 142,123,704 Caribbean Insurance Company Ltd. 1,101,368 1,161,137 2,262,505 2,258,643 3,862 2,262,505 Citizen Insurance Company Ltd. Colonial Fire & General Insurance Company Ltd. 41,691,857 20,910,636 117,303,828 6,321,333 I N C O M P U L S O R Y L I Q U I D A T I O N 186,227,654 50,737,963 11,916,775 32,549,796 9,640,742 51,740,792 29,641,586 186,227,654 Furness Anchorage General Insurance Ltd. 535,198 452,812 3,673,272 188,987 4,850,269 1,533,626 261,882 198,265 2,094,502 570,822 191,172 4,850,269 GTM Fire Insurance Company Ltd 9,490,511 3,674,305 21,206,847 105,259 779,684 824,901 36,081,507 8,512,651 2,917,224 3,834,094 3,495,533 12,822,553 4,499,452 36,081,507 Guardian General Insurance Ltd. 60,044,591 77,427,231 149,626,712 7,018,062 18 294,116,614 82,514,906 22,286,008 20,932,106 1,583,308 68,787,856 98,012,430 294,116,614 Gulf Insurance Ltd. 5,832,783 6,674,275 13,318,920 358,656 3,069,420 29,254,054 7,558,749 1,377,638 3,314,831 856,114 7,929,265 8,217,457 29,254,054 Maritime General Insurance Company Ltd. 30,054,867 42,388,530 97,459,915 12,176,162 182,079,474 43,934,078 17,704,310 11,833,607 10,359,746 42,422,472 55,825,260 182,079,473 Motor & General Insurance Company Ltd. N O A C C O U N T S S U B M I T T E D Motor One Insurance Company Limited 10,936,827 2,352,265 30,988,062 894,083 45,171,237 14,026,610 2,008,458 7,991,405 1,587,710 16,077,956 3,479,098 45,171,237 Nationwide Insurance (Casualty & General) Co. Ltd. I N L I Q U I D A T I O N N.E.M. (West Indies) Insurance Ltd. Royal Caribbean Insurance Ltd. 3,600,285 T R A N S F E R T O G G I L 54,537 78,500 3,733,322 448,866 3,284,456 3,733,322 The Beacon Insurance Company Ltd. 9,853,481 12,466,270 21,278,955 8,026 162,563 The Goodwill General Insurance Company Ltd. 43,769,295 7,617,137 2,159,802 3,616,275 143,648 636,112 13,429,569 16,166,752 43,769,295 I N C O M P U L S O R Y L I Q U I D A T I O N The Great Northern Insurance Company Ltd. N O A C C O U N T S S U B M I T T E D The Mountain General Insurance Company Ltd. The New India Assurance Company (T&T) Ltd. 13,708,912 9,830,218 29,049,571 80,360 N O T W R I T I N G B U S I N E S S 52,669,061 11,071,046 4,843,142 5,365,719 311,433 17,722,495 13,355,226 52,669,061 The Presidential Insurance Company Ltd. 8,385,495 8,212,420 32,932,837 1,257,309 11,221,048 62,009,109 14,365,911 2,197,813 9,598,672 190,796 11,660,148 14,429,473 9,566,295 62,009,109 The Reinsurance Company of T&T Ltd. 7,348,970 7,121,472 23,750,198 38,220,640 7,331,128 3,522,152 5,523,847 681,430 12,752,997 8,409,085 38,220,640 The Western General Insurance Company Ltd. Trinidad & Tobago Insurance Ltd. 43,540,669 45,692,564 96,184,795 27,719 R E G I S T R A T I O N C A N C E L L E D J U L Y 2 0 0 7 7,879,662 193,325,409 42,028,066 11,119,407 8,544,632 32,505,298 55,248,206 43,879,800 193,325,409 TOTAL 292,096,863 290,947,267 750,256,455 598,249 46,508,905 12,045,967 1,239,637 1,393,693,343 368,936,196 93,209,422 127,941,922 2,299,957 74,340,393 377,559,418 349,406,034 1,393,693,342 CARIBBEAN Sagicor General Insurance Company Ltd. 17,744,647 12,332,824 47,855,989 112,406 78,045,866 20,368,652 7,272,021 11,105,279 25,688,965 13,610,949 78,045,866 United Insurance Company Ltd. TOTAL 17,744,647 12,332,824 47,855,989 112,406 78,045,866 20,368,652 7,272,021 11,105,279 25,688,965 13,610,949 78,045,866 GRAND TOTAL 309,841,510 303,280,091 798,112,444 710,655 46,508,905 12,045,967 1,239,637 1,471,739,209 389,304,848 100,481,443 127,941,922 2,299,957 85,445,672 403,248,383 363,016,983 1,471,739,208 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - REPORT ON INSURANCE AND PENSIONS 173
- Page 124 and 125: List of Registered Agents List of A
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- Page 142 and 143: APPENDIX C LIST OF BROKERS REGISTER
- Page 144 and 145: APPENDIX D LIST OF REGISTERED ADJUS
- Page 146 and 147: Appendix e LIST OF PENSION PLANS RE
- Page 148 and 149: Appendix e LIST OF PENSION PLANS RE
- Page 150 and 151: Appendix e INSURED PENSION FUND PLA
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- Page 156 and 157: Appendix e ANNUITIES 1. A.S. Bryden
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- Page 180 and 181: TABLES TABLE XVI REVENUE ACCOUNT IN
- Page 182 and 183: TABLES TABLE XVIII REVENUE ACCOUNT
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- Page 186 and 187: TABLES TABLE XXI UNDERWRITING RESUL
- Page 188 and 189: TABLES TABLE XXIII SUMMARY AND VALU
- Page 190 and 191: TABLES TABLE XXV SUMMARY AND VALUAT
- Page 192 and 193: TABLES TABLE XXVII SUMMARY AND VALU
- Page 194 and 195: TABLES TABLE XXIX SUMMARY AND VALUA
- Page 196 and 197: TABLES TABLE XXXI SUMMARY AND VALUA
- Page 198 and 199: TABLES TABLE XXXIII DEPOSIT ADMINIS
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- Page 206 and 207: TABLES TABLE XXXV NAME OF PLAN Fund
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TABLES<br />
TABLE XII<br />
REVENUE ACCOUNT IN RESPECT OF MOTOR INSURANCE - <strong>2007</strong><br />
COMPANIES<br />
REVENUE<br />
EXPENDITURE<br />
LOCAL<br />
American Life <strong>and</strong> General <strong>Insurance</strong> Company (T&T)<br />
Ltd.<br />
AMOUNT OF FUND AT THE<br />
BEGINNING OF YEAR<br />
Unearned<br />
Premium<br />
Reserve<br />
$<br />
9,374,808<br />
Outst<strong>and</strong>ing<br />
Claims<br />
Reserve<br />
$<br />
4,594,779<br />
Commissi<strong>on</strong>s<br />
Received<br />
$<br />
22,026,673<br />
Premiums<br />
$<br />
18,229<br />
Interest<br />
Dividends<br />
<strong>and</strong> Rents<br />
$<br />
864,547<br />
Other Pr<strong>of</strong>it<br />
tOTAL<br />
<strong>and</strong> Loss<br />
Adjustments<br />
$<br />
$<br />
$<br />
36,879,036<br />
Payment<br />
<strong>of</strong> Claims<br />
Includung<br />
Legal <strong>and</strong><br />
Medical<br />
Expenses<br />
$<br />
8,615,803<br />
Commissi<strong>on</strong>s Other Transfers<br />
$ $ $ $ $ $ $<br />
3,501,336<br />
Expenses<br />
<strong>of</strong><br />
Management<br />
701,495<br />
1,961,651<br />
to Pr<strong>of</strong>it <strong>and</strong><br />
Loss Account<br />
5,894,311<br />
AMOUNT OF FUND AT<br />
END OF YEAR<br />
Unearned<br />
Premium<br />
Reserve<br />
11,477,422<br />
Outst<strong>and</strong>ing<br />
Claims<br />
Reserve<br />
4,727,018<br />
tOTAL<br />
36,879,036<br />
<strong>Bank</strong>ers <strong>Insurance</strong> Company (T&T) Ltd.<br />
9,908,549 13,141,824 17,870,081<br />
40,920,454 12,309,214 2,628,787 3,475,583<br />
2,071,354 10,677,425 9,758,091 40,920,454<br />
Capital <strong>Insurance</strong> Ltd.<br />
31,389,345 32,407,381 73,585,790<br />
4,741,188<br />
142,123,704 56,330,442 4,764,688 8,202,952<br />
(9,037,349) 41,470,114 40,392,857 142,123,704<br />
Caribbean <strong>Insurance</strong> Company Ltd.<br />
1,101,368<br />
1,161,137 2,262,505<br />
2,258,643 3,862<br />
2,262,505<br />
Citizen <strong>Insurance</strong> Company Ltd.<br />
Col<strong>on</strong>ial Fire & General <strong>Insurance</strong> Company Ltd.<br />
41,691,857 20,910,636 117,303,828<br />
6,321,333<br />
I N C O M P U L S O R Y L I Q U I D A T I O N<br />
186,227,654 50,737,963 11,916,775 32,549,796<br />
9,640,742 51,740,792 29,641,586 186,227,654<br />
Furness Anchorage General <strong>Insurance</strong> Ltd.<br />
535,198 452,812 3,673,272<br />
188,987<br />
4,850,269 1,533,626 261,882 198,265<br />
2,094,502 570,822 191,172 4,850,269<br />
GTM Fire <strong>Insurance</strong> Company Ltd<br />
9,490,511 3,674,305 21,206,847 105,259 779,684 824,901<br />
36,081,507 8,512,651 2,917,224 3,834,094<br />
3,495,533 12,822,553 4,499,452 36,081,507<br />
Guardian General <strong>Insurance</strong> Ltd.<br />
60,044,591 77,427,231 149,626,712<br />
7,018,062<br />
18<br />
294,116,614 82,514,906 22,286,008 20,932,106<br />
1,583,308 68,787,856 98,012,430 294,116,614<br />
Gulf <strong>Insurance</strong> Ltd.<br />
5,832,783 6,674,275 13,318,920 358,656 3,069,420<br />
29,254,054 7,558,749 1,377,638 3,314,831<br />
856,114 7,929,265 8,217,457 29,254,054<br />
Maritime General <strong>Insurance</strong> Company Ltd.<br />
30,054,867 42,388,530 97,459,915<br />
12,176,162<br />
182,079,474 43,934,078 17,704,310 11,833,607<br />
10,359,746 42,422,472 55,825,260 182,079,473<br />
Motor & General <strong>Insurance</strong> Company Ltd.<br />
N O A C C O U N T S S U B M I T T E D<br />
Motor One <strong>Insurance</strong> Company Limited<br />
10,936,827 2,352,265 30,988,062<br />
894,083<br />
45,171,237 14,026,610 2,008,458 7,991,405<br />
1,587,710 16,077,956 3,479,098 45,171,237<br />
Nati<strong>on</strong>wide <strong>Insurance</strong> (Casualty & General) Co. Ltd.<br />
I N L I Q U I D A T I O N<br />
N.E.M. (West Indies) <strong>Insurance</strong> Ltd.<br />
Royal Caribbean <strong>Insurance</strong> Ltd.<br />
3,600,285<br />
T R A N S F E R T O G G I L<br />
54,537<br />
78,500 3,733,322 448,866<br />
3,284,456 3,733,322<br />
The Beac<strong>on</strong> <strong>Insurance</strong> Company Ltd.<br />
9,853,481 12,466,270 21,278,955 8,026 162,563<br />
The Goodwill General <strong>Insurance</strong> Company Ltd.<br />
43,769,295 7,617,137 2,159,802 3,616,275 143,648 636,112 13,429,569 16,166,752 43,769,295<br />
I N C O M P U L S O R Y L I Q U I D A T I O N<br />
The Great Northern <strong>Insurance</strong> Company Ltd.<br />
N O A C C O U N T S S U B M I T T E D<br />
The Mountain General <strong>Insurance</strong> Company Ltd.<br />
The New India Assurance Company (T&T) Ltd.<br />
13,708,912 9,830,218 29,049,571 80,360<br />
N O T W R I T I N G B U S I N E S S<br />
52,669,061 11,071,046 4,843,142 5,365,719<br />
311,433 17,722,495 13,355,226 52,669,061<br />
The Presidential <strong>Insurance</strong> Company Ltd.<br />
8,385,495 8,212,420 32,932,837<br />
1,257,309 11,221,048<br />
62,009,109 14,365,911 2,197,813 9,598,672 190,796 11,660,148 14,429,473 9,566,295 62,009,109<br />
The Reinsurance Company <strong>of</strong> T&T Ltd.<br />
7,348,970 7,121,472 23,750,198<br />
38,220,640 7,331,128 3,522,152 5,523,847<br />
681,430 12,752,997 8,409,085 38,220,640<br />
The Western General <strong>Insurance</strong> Company Ltd.<br />
<strong>Trinidad</strong> & Tobago <strong>Insurance</strong> Ltd.<br />
43,540,669 45,692,564 96,184,795 27,719<br />
R E G I S T R A T I O N C A N C E L L E D J U L Y 2 0 0 7<br />
7,879,662<br />
193,325,409 42,028,066 11,119,407 8,544,632<br />
32,505,298 55,248,206 43,879,800 193,325,409<br />
TOTAL<br />
292,096,863 290,947,267 750,256,455 598,249 46,508,905 12,045,967 1,239,637 1,393,693,343 368,936,196 93,209,422 127,941,922 2,299,957 74,340,393 377,559,418 349,406,034 1,393,693,342<br />
CARIBBEAN<br />
Sagicor General <strong>Insurance</strong> Company Ltd.<br />
17,744,647 12,332,824 47,855,989 112,406<br />
78,045,866 20,368,652 7,272,021<br />
11,105,279 25,688,965 13,610,949 78,045,866<br />
United <strong>Insurance</strong> Company Ltd.<br />
TOTAL<br />
17,744,647 12,332,824 47,855,989 112,406<br />
78,045,866 20,368,652 7,272,021<br />
11,105,279 25,688,965 13,610,949 78,045,866<br />
GRAND TOTAL<br />
309,841,510 303,280,091 798,112,444 710,655 46,508,905 12,045,967 1,239,637 1,471,739,209 389,304,848 100,481,443 127,941,922 2,299,957 85,445,672 403,248,383 363,016,983 1,471,739,208<br />
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REPORT ON INSURANCE AND PENSIONS 173
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