Tatil
Tatil is a privately held, dual-entity insurance carrier in Trinidad and Tobago offering general and life insurance, pensions, and mortgages to individuals, families, and businesses. Operating since 1963 under the ANSA McAL Group, it distributes products through six branches, 100+ agents, and digital self-service portals.
- Company typePrivate
- Founded1963
- HeadquartersPort-of-spain, Trinidad & Tobago
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Tatil does
Tatil (Trinidad and Tobago Insurance Limited), founded in 1963 and headquartered in Port of Spain, is a privately held, dual-entity insurance carrier operating as TATIL for general insurance and TATIL Life Assurance Limited for life and health insurance. The company is part of the ANSA McAL Group, one of the largest diversified conglomerates in the English-speaking Caribbean, with ANSA Merchant Bank Limited as its immediate parent. Tatil serves individuals, families, and commercial clients across Trinidad and Tobago through a multi-channel distribution model comprising six physical branches (Port of Spain, San Fernando, Chaguanas, Grand Bazaar/Valsayn, and Tobago), a new Grand Bazaar Regional Centre opened in September 2024 with a dedicated sales training facility, over 100 independent insurance agents organized into seven branch teams, and direct sales plus digital self-service capabilities. The company holds an AM Best A- (Excellent) Financial Strength Rating affirmed in 2024 with stable outlook and is regulated by the Central Bank of Trinidad and Tobago.
The product portfolio spans more than 30 insurance and financial products across personal and commercial lines. Personal lines include motor insurance (DriveSure, MotorSure Gold, Platinum Drive for high-end vehicles), home/property insurance (HomeSure/HomeBase), health insurance (Personal Accident, CoverCare, Executive Cover Care), life insurance (LifeSPAN and LifeSPAN Lite critical illness, RestASSURED II final expense, TERMLife, WHOLELife, Endowment, Living Rewards children's savings), pensions (Destiny Personal Savings Booster), and residential mortgages offering up to 90% financing. Commercial lines include fire/property, BizSecure small business package, engineering insurance (Computer, Contractor's, and Machinery All Risks), marine (hull and cargo), group life/health/pensions for employers with 5+ employees, and liability coverage. Supporting technology includes online quote calculators, payment portals (Visa/Mastercard acceptance, Republic Bank and RBC Royal Bank transfer integration), a health claims submission portal (mytatilhealth.com), a WhatsApp claim channel (34TATIL), and 128-bit SSL-secured transactions.
Revenue is generated through recurring insurance premiums (monthly, quarterly, semi-annual, and annual billing cadences), investment income on reserves, and mortgage interest income, with no revenue figure publicly disclosed. Go-to-market combines sales-led agent distribution with inside-sales callback systems on product pages and direct-to-consumer online quoting. Customer segmentation is hybrid: primary segments are individual/personal customers and commercial/business customers, with secondary segments including small businesses (TT$250K–$3M turnover) and public sector employees eligible for specialized Living Rewards plans. No AI/ML capabilities, patents, M&A activity, or external funding rounds are disclosed.
Tatil firmographics
Firmographics- Name
- Tatil
- Legal name
- Trinidad and Tobago Insurance Limited
- Website
- https://tatil.co.tt
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Tatil is a privately held, dual-entity insurance carrier in Trinidad and Tobago offering general and life insurance, pensions, and mortgages to individuals, families, and businesses. Operating since 1963 under the ANSA McAL Group, it distributes products through six branches, 100+ agents, and digital self-service portals.
- Ownership category
- akta.pro rank
Where Tatil is headquartered
LocationHeadquarters
- HQ city
- Port-of-spain
- HQ country
- Trinidad & Tobago
- HQ region
- Latin America
Offices6 records
Markets served
Tatil business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Property & Casualty Insurance Premiums: Recurring premium revenue from motor, home, commercial property, marine, engineering, and liability insurance policies. Premiums can be paid monthly, quarterly, semi-annually, or annually.
- Life Insurance Premiums: Recurring premium revenue from life insurance products including Term Life, Whole Life, Endowment, LifeSpan critical illness, RestASSURED final expense, and Living Rewards savings-linked policies.
- Mortgage Lending: Interest income from residential mortgage financing providing up to 90% financing on home purchases with rates as low as 5%.
- Pension & Retirement Products: Contributions to Destiny personal savings booster and corporate retirement plans with premiums starting from $200 monthly.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Personal Accident Insurance - Entry tier coverage |
| Subscription | Monthly | LifeSPAN Critical Illness - Comprehensive coverage |
| Subscription | Monthly | RestASSURED II Final Expense - Guaranteed protection |
| Subscription | Monthly | Residential Mortgages - Up to 90% financing |
| Subscription | Monthly | Destiny Personal Savings Booster - Retirement planning |
| Subscription | Annual | MotorSure Gold - Senior driver discount program |
| Subscription | Annual | Platinum Drive - High-end vehicle coverage |
| Subscription | Monthly | CoverCare - Flexible health coverage |
| Subscription | Monthly | LifeSPAN lite - Budget critical illness coverage |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Tatil product offering
Product offeringCore offering
Tatil is an insurance provider offering general insurance products under the TATIL brand — including motor, home, health, marine, and commercial coverage — alongside life insurance, pensions, and mortgage products under TATIL Life. The company serves both individual consumers and commercial clients in Trinidad and Tobago, distributing through its own offices, agents, brokers, and digital channels.
Product overview
Tatil (Trinidad and Tobago Insurance Limited) operates as a dual-brand insurance provider offering both general insurance (TATIL) and life insurance (TATIL Life) products through a network of branches across Trinidad and Tobago. The product portfolio is organized into personal/retail and commercial/corporate lines. Personal insurance includes motor insurance (DriveSure, MotorSure Gold, Platinum Drive), home insurance (HomeSure/HomeBase), health insurance (Personal Accident, Executive Cover Care, CoverCare), pensions and savings (Destiny Personal Savings Booster), mortgages, marine insurance (Hull and Cargo), and life insurance products (LifeSPAN, LifeSPAN Lite, RestASSURED II, TERMLife, WHOLELife, Endowment, Living Rewards Series). Commercial insurance encompasses motor, fire/property, BizSecure small business, engineering (Computer All Risks, Contractor's All Risks, Machinery All Risks), Group Life/Health/Pensions, General Accident (Burglary, Cash in Transit, Goods in Transit, Plate Glass), and Liability (Public Liability, Workmen's Compensation) products. The company also offers online quote tools, digital payment portals, and a health claims portal. Tatil is regulated by the Central Bank of Trinidad and Tobago and is part of the ANSA McAL Group of Companies.
Differentiator
Problem solved
Functional benefit
Brands
- Platinum Drive: Exclusive insurance product designed for high-end vehicles valued at $650,000 and over, offering premium benefits including free flood coverage, loss of use, windscreen cover, and VIP claims experience.
- DriveSure
- MotorSure Gold
- Endowment
- WHOLELife
- TERMLife
- LifeSPAN
- RestASSURED II
- LifeSPAN Lite
- Living Rewards
- Destiny
- BizSecure
Products and services
- TATIL Motor Insurance
Quantifiable outcome
- Claims paid within 48 hours for RestASSURED II final expense policies
- +3 more outcomes
Companies that use Tatil
Customer profileSegments5 records
Ideal customer profiles2 records
Tatil technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Tatil partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- ANSA McAL Group of CompaniescoreTatil and TATIL Life are part of the ANSA McAL Group of Companies, specifically the ANSA Financial Services Companies sector. Parent company ANSA Merchant Bank Limited manages Tatil's investment portfolio. Tatil is affiliated with ANSA Bank Limited, Colonial Fire & General Insurance Company (COLFIRE), and ANSA Merchant Bank (Barbados). Trident Insurance (Barbados) is also part of the group.
- General Agency and Managers' Association (GAMA)minorAmery Rauseo, new TATIL Life Executive Business Development hire, serves as President of the Caribbean chapter of GAMA, one of the world's leading organizations focused on development and advancement of insurance leaders.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
Tatil competitors and assessment
Company assessmentDirect peers
- Massy United Insurance: Caribbean insurance provider offering motor, property, marine, and commercial lines with operations in Trinidad and Tobago. Direct peer in P&C and commercial coverage.
- Maritime General Insurance: Trinidad-headquartered general insurance carrier writing motor, property, and commercial risks in the domestic market. Comparable in scale and product scope to TATIL's P&C business.
- Guardian Group: Pan-Caribbean insurance group offering life, health, motor, and property products across multiple territories including Trinidad and Tobago. Closest multi-line regional competitor with overlapping product mix and customer segments.
- Colonial Fire & General Insurance Company (COLFIRE): Trinidad-based general insurance carrier and fellow member of the ANSA McAL Group. Directly comparable as a domestic P&C competitor selling motor, fire, and commercial lines to the same Trinidad and Tobago market.
- British American Insurance Company: Trinidad and Tobago-based insurer offering general and life insurance products to individuals and businesses. Direct domestic competitor with similar product breadth.
- Trident Insurance: Barbados-based insurance affiliate operating under the ANSA McAL Group via ANSA Merchant Bank (Barbados). Comparable multi-line insurer serving a neighboring Caribbean market with sister-group ownership overlap.
- Caribbean Alliance Insurance: Regional insurance carrier active in Trinidad and Tobago offering personal and commercial lines. Comparable in product breadth and Caribbean geographic focus.
- Sagicor Life: Major Caribbean life and health insurer with strong presence across the region including Trinidad and Tobago. Direct competitor in life insurance, critical illness, and group benefits segments.
Regional players
- NCB Insurance: Jamaica-based insurance provider within the JN Group offering life and general insurance across the Caribbean. Comparable multi-line product set but anchored to a different primary geography.
- Sagicor General Insurance: P&C arm of Sagicor operating across the Caribbean. Competes with TATIL on property, motor, and commercial lines in neighboring territories rather than head-to-head in Trinidad.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Tatil social profiles
Digital presenceTatil compliance and trust
Trust signalCompliance3 records
Tatil financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tatil leadership team
Management profileNumber of profiles
Tatil funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tatil M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tatil
What does Tatil do?
Tatil is an insurance provider offering general insurance products under the TATIL brand — including motor, home, health, marine, and commercial coverage — alongside life insurance, pensions, and mortgage products under TATIL Life. The company serves both individual consumers and commercial clients in Trinidad and Tobago, distributing through its own offices, agents, brokers, and digital channels.
Is Tatil a public or private company?
Tatil is a private company. It is classified as corporate owned and is currently operating.
When was Tatil founded?
Tatil was founded in 1963. It employs 51 to 100 people.
Where is Tatil based?
Tatil is headquartered in Port-of-spain, Trinidad & Tobago, in the Latin America region.
How does Tatil make money?
Four revenue lines are on record. Property & Casualty Insurance Premiums are the primary driver. The others are life Insurance Premiums, mortgage Lending and pension & Retirement Products.
Who are Tatil's main competitors?
Direct peers on record are Massy United Insurance, Maritime General Insurance, Guardian Group, Colonial Fire & General Insurance Company (COLFIRE), British American Insurance Company, Trident Insurance, Caribbean Alliance Insurance and Sagicor Life. Regional players are NCB Insurance and Sagicor General Insurance.
Does Tatil have an API?
No public API is recorded for Tatil.