How do you determine which financial and insurance products are best suited for my individual needs?
Our process begins with a comprehensive financial needs analysis. We take the time to understand your current financial situation, future goals (e.g., retirement, education, home purchase), risk tolerance, and existing coverage. Based on this in-depth discussion, we then analyze various products from our portfolio – including life insurance, health insurance, investment saving vehicles, and retirement plans – to recommend solutions that align precisely with your unique circumstances and objectives.
What ongoing support and services can I expect after purchasing a product from you?
Our commitment to you extends far beyond the initial sale. We provide ongoing support including annual policy reviews to ensure your coverage remains adequate as your life changes, assistance with claims processing, updates on market trends that may impact your investments, and general guidance on any financial or insurance-related queries you may have. We aim to be your trusted financial partner for the long term.
How are you compensated for your services, and are there any hidden fees I should be aware of?
Transparency is key to our client relationships. We are primarily compensated through commissions paid by Tatil, the financial and insurance company whose products we sell. These commissions are built into the product's pricing and are not an additional fee charged directly to you. We will always disclose any relevant fees associated with specific products, such as management fees for investment funds, so you have a clear understanding of all costs involved.
What qualifications and experience do you have in the financial and insurance industry?
I am a licensed insurance agent, holding a license issued by the Central Bank of Trinidad and Tobago to sell insurance. I have several years of experience in the industry, during which I've helped numerous individuals and families achieve their financial security goals. I also regularly participate in continuing education programs to stay updated on the latest industry regulations, product innovations, and market developments, ensuring I provide the most current and informed advice.