Joanson Baptiste James, Sales Representative, Guardian Life of the Caribbean Limited. I am a tied insurance intermediary and represent Guardian Life of the Caribbean Limited only. This is an opinion survey. It is not an application for insurance, an offer of cover, or a recommendation of any product. Nothing here obliges you to buy anything. Your answers are used only by me, to understand what people in Trinidad and Tobago actually want from this industry, and are not sold or passed to third parties.