Guardian Life of the Caribbean · Trinidad & Tobago
Rachel Agostini. Protection planned around your life.
Life, critical illness, health, pension and investment plans from Guardian Life of the Caribbean, arranged personally by a Central Bank-registered sales representative and TTAIFA national awardee. One conversation, a written plan, and premiums you can actually see.
- Registered
- Central Bank of T&T sales register
- Recognised
- TTAIFA National Awardee 2024
- Backed by
- Guardian Group, since 1847
What Rachel arranges
Twelve lines of cover. One advisor who knows your whole picture.
Guardian Life of the Caribbean for the people and income you protect, Guardian Asset Management for what you grow, and Guardian General covers for the business, the trip and the boat through the same Guardian Group relationship. Rachel does not write motor, cyber or home.
Not sure where to start?
Tell Rachel where you are. She will tell you what matters first.
Insurance calculators
Run the numbers before we talk.
Four calculators built for Trinidad and Tobago incomes, tax rules and tuition costs. Move the sliders, see the figure, and send the estimate straight to Rachel so the first call starts with your numbers, not a blank page.
All calculators
Life insurance takes care of the loved ones we leave behind. Critical illness is a living benefit that protects you.
About Rachel
An advisor her clients nominate for awards.
Rachel Agostini is a sales representative with Guardian Life of the Caribbean Limited, the flagship life, health and pensions company of Guardian Group, the Caribbean's largest indigenous insurer. In 2024 the Trinidad and Tobago Association of Insurance and Financial Advisors named her a National Awardee with its Ruby Production Award. Her thanks went to her clients, "who made this possible".
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TTAIFA National Awardee 2024
Ruby Production Award from the Trinidad and Tobago Association of Insurance and Financial Advisors, for outstanding production in 2023.
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Registered with the Central Bank
Listed on the Central Bank of Trinidad and Tobago register of insurance sales representatives under Guardian Life of the Caribbean Limited.
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Backed by Guardian Group
Guardian Holdings traces its roots in Trinidad to 1847 and today serves 21 countries across the English and Dutch Caribbean.
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The whole Guardian Group picture
Guardian Life of the Caribbean plans first, with Guardian Asset Management investments and Guardian General covers available through the same advisor.
1847
Guardian Group roots in Trinidad
21
Caribbean countries served by Guardian
2024
TTAIFA National Awardee
12
Lines of cover from one advisor
How it works
No jargon, no pressure, no surprises on the premium.
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01
A conversation, not a pitch
We start with what you earn, who depends on you and what keeps you up at night. Twenty minutes, by phone, WhatsApp or in person.
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02
A plan you can read
You get a short written summary of the gaps we found and two or three ways to close them, with real premiums, not ranges.
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03
Paperwork handled
Applications, medicals and underwriting questions are managed for you, with plain updates at every step.
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04
Reviewed every year
Marriages, babies, promotions and mortgages change the numbers. We review your cover annually so it keeps pace.
Questions
The things people ask Rachel first.
Straight answers on licensing, cost, tax and what happens after you get in touch.
All questionsIs Rachel Agostini a licensed insurance agent in Trinidad and Tobago?
Yes. Rachel is listed on the Central Bank of Trinidad and Tobago register of sales representatives under Guardian Life of the Caribbean Limited, the life, health and pensions company of Guardian Group.
Which Guardian products can Rachel arrange?
Life insurance (whole life, term and the Life Evolution series), critical illness (the Phoenix Plan), health plans, pensions and registered annuities, education savings, personal accident, travel, business, marine and employee benefits, plus Guardian Asset Management investment products. Rachel does not write motor, cyber or home insurance.
How much does a consultation cost?
Nothing. Advice and quotations are free. You only pay a premium if you decide to take out a policy, and that premium is the same whether you buy through Rachel or directly.
Are annuity and pension contributions tax deductible in Trinidad and Tobago?
Contributions to approved annuity and pension plans are deductible against income tax within the limit set by the Board of Inland Revenue, which also includes National Insurance contributions. Rachel will show you how much of your contribution qualifies in your situation.
Talk to Rachel
Ready when you are.
Twenty minutes with Rachel is enough to know where you stand. Free, no obligation, by WhatsApp, phone or in person.
Monday to Friday, 8:00 am to 6:00 pm. Evenings and Saturdays by appointment.
Or ask for a call back
Pick a time and Rachel will phone you.