RR BRANCHRicky Rampersad · Branch Manager · Guardian Life of the Caribbean
Workshop · Friday 7 August
RR Branch · Guardian Life of the Caribbean
Some businesses run on capital. Most run on people.
Key person insurance is how a company survives losing the one or two people its earnings actually depend on. RR Branch — under branch manager Ricky Rampersad — has built the method for placing it, and it works.
Key person
Key person
It could be any of them — but two carry the earnings
And then, without warning
One event. Everything changes.
What you insure
DeathSudden and total
Critical illnessThey survive — the business stops
Total disabilityPresent, unable to carry it
What you transfer
Kidnap & detentionFraud by the trusted onePersonal liability
What you plan for
Cognitive declineEmigrationBurnout, exit, divorce
What the company absorbs
The earnings go with them — and the family inherits a problem instead of a plan
FY1FY2FY3EVENTAFTER
Profit walks outYears of attributable earnings gone with the person.
The bank reviewsFacilities and covenants re-examined at the worst moment.
Contracts stallRelationships and pipeline built by one person go quiet.
The family inherits a problemShares pass by probate — not by plan. Survivors wake up with a partner they never chose.
Or — the funded plan
The cheque arrives before the panic does
Daysnot months
Ring-fencedpaid to the company
Bank calmfacilities undisturbed
Key person cover puts liquidity on the balance sheet at the exact event — profit replaced, facilities covered, a replacement funded. That is the entire product, and RR Branch places it every week.
Structuring the cover
Term insures the event. Whole life insures the person leaving by any door
Top-upTerm layerMatched to the recovery window and the bank facility. Cheap cover for a big number — and it expires when the exposure does.
CoreWhole life layerPermanent, builds cash value the company owns, still in force at 70 to fund the shareholder buy-out — and an asset if the key person simply leaves.
+ Critical illness acceleration+ Total & permanent disabilityCompany proposes · pays · benefits
And the clause almost nobody writes: agree upfront what happens to the policy if they leave — surrender it, transfer it to them, or re-designate it to their successor. That one line is what makes the vehicle answer emigration, burnout and retirement.
Why most of it fails
Most “keyman” policies are just policies
Sold, not structured
A sum assured picked out of the air
No financials read, nothing quantified
Nothing a board or banker can act on
The business stays exposed — and nobody knows
The RR Branch method
Five tests against their own audited numbers
A board-grade dossier and reinsurer file
The client sets the attribution — it is their number
Placed, lodged and defensible
The part everyone hated
The paperwork problem — solved
Pre-filled
Pre-filled
Pre-filled
Pre-filled
Pre-filled
Days of adminThe old way
One secondCapture once, done
Capture the client once and every Guardian form comes back pre-filled — questionnaires, declarations, FATCA, authorisations. No company chasing paperwork, no agent fighting administration. That battle is over.
Written by RR Branch · over TT$1.5 billion
TT$0B+of life cover written · and counting
TT$350MRecord single life
TT$200–300MComparable programmes
TT$1B+Keyman placed
33Agents in the branch
The only question that matters
100M
Who writes the next hundred million?
The agents in the room on Friday. The method is transferable — that is the entire point of the session.
Both multiple MDRT qualifiers at Court of the Table and Top of the Table — and between them, in excess of TT$1 billion of key person cover actually placed. That is the standard the workshop is built on.
Friday 7 August 2026 · RR Branch
The Keyman Workshop
The methodHow the big files were justified.
The intelligenceYour submitted names, analysed and ranked.
The platform, liveA full case built on screen, start to finish.
Your first fileOpened in the room, before you leave.
The price of a seat
Three names.
Three business owners you personally know — a profitable company that runs on one or two people. No financials. Just the names. Every one is analysed before you walk in.
