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Raphael Teeluck Financial Legacy Services Limited
Raphael Teeluck
Managing Director
Ambitious, focused, and driven, Managing Director, Raphael Teeluck has established himself as one of Guardian Life’s most high-profile financial advisors.
Coming from very humble beginnings in the little village of Cedros, South Trinidad, his love for people and great passion for serving has allowed him to create everlasting relationships with his trusted and loyal clients, who he considers his extended family.
Kicking off his career years ago, Raphael won the Rookie of the Industry award in 2016 and later, the coveted Agent of the Year awards in 2018, 2020, and 2022, 2024 & 2025 along with other notable industry recognitions. Qualifying for the prestigious Million Dollar Round Table (MDRT) every year of his career has allowed him to expand his skills, knowledge, and abilities through shared ‘best practices’ with the world’s top insurance advisors. He is one of the few advisors in the Caribbean to qualify for the MDRT “Court of the Table” level (3x MDRT level).
Being a certified John Maxwell life coach and having an entrepreneurial mindset, he has evolved into an inspirational leader, in turn benefiting clients and other agents by helping them achieve their full potential. He is also actively involved in numerous community and nationwide charity ventures. His dedication, educational progress, and love for his profession make him determined to one day become an industry legend like his mentor and close friend Dale McLeod. Equipped with a professional and competent team, one of his favorite phrases, “Life is for Service” defines how he looks at this career as he goes the distance for the client to not just satisfy them but amaze them.
Raphael is a team player both in and out of work. He thoroughly enjoys playing his favorite sport, cricket, socializing with friends, maintaining a healthy lifestyle, traveling, and spending time with his beautiful and supportive family.
Karina Katwaroo
Executive Assistant
Karina is a warm, dependable member of our team who enjoys building meaningful relationships with clients. She believes in making insurance simple and approachable, ensuring every client feels supported and confident throughout the process. Her dedication and positive attitude make her a valued part of our organization.
What do I like most about my career?
“What I love most about my career is the opportunity to guide clients and companies in making informed decisions they can truly rely on. I enjoy helping people understand their options and feel confident in the choices they make to secure their future. At the same time, every client interaction allows me to grow—enhancing my expertise, sharpening my problem-solving skills, and deepening my understanding of the industry. Being able to add value to others while continuously developing myself is what makes this career so rewarding.”
What has your experience in the insurance industry taught you?
“My experience in the insurance industry has taught me the value of patience, clarity, and genuine connection. Every client’s situation is unique, and understanding their needs is key to providing effective support. I’ve also learned how vital trust is, earning it, maintaining it, and protecting it while strengthening my adaptability, communication, and proactive thinking
Describe yourself in three words:
I would like to describe myself as altruistic, loyal & driven.”
Fun Fact about yourself:
“I love photography & capturing the aesthetics of world’s overlooked moments & finding art in simplicity and stillness.”
Melissa Rajroop
General Insurance Specialist
Melissa is a results-driven professional who brings expertise, dedication, and a client-focused approach to our team. A BBA graduate with a specialization in Marketing, she is committed to guiding clients in making informed decisions that protect and grow their financial future. Known for her strategic insight and meticulous attention to detail, Melissa ensures every interaction is meaningful, impactful, and built on trust.
What do you like most about your career?
“I am passionate about working in a dynamic industry that consistently presents opportunities for growth and professional development. I thrive in a collaborative, fast-paced environment, where I can leverage my communication and problem-solving skills to guide clients toward informed decisions and long-term financial security.”
What has your experience in the insurance industry taught you?
“My experience in the insurance industry has taught me the importance of independence, adaptability, and effective client engagement. It has broadened my understanding of critical financial concepts such as retirement planning, liability management, and strategic investments. I have come to appreciate that insurance is not just a product, but a thoughtful way to invest wisely and secure long-term financial stability for clients and their families.”
Describe yourself in 3 words:
“Ambitious, dependable, and proactive.”
Fun fact about yourself?
“I’m super competitive and love staying active—whether it’s sports, outdoor adventures, or trying something new and exciting.”
Anjali Ramlal
Executive Assistant
Anjali is a Human Resource Management graduate with a passion for people, professional growth, and building meaningful client relationships. She brings a strong foundation in communication, empathy, and service, combining professionalism, integrity, and purpose in her work in the insurance industry.
What do I like most about my career?
“I value most about my career in insurance is the opportunity to help individuals and families make informed decisions that secure their future. Being able to provide guidance, clarity, and support during important financial moments allows me to make a positive impact while building trust-driven relationships.”
What has my experience in the insurance industry taught me?
“My experience in the insurance industry has taught me the importance of strong communication, adaptability, and maintaining compassion in every client interaction. It has also strengthened my ability to listen attentively, understand individual needs, and deliver solutions that support long-term financial stability and peace of mind.”
Describe myself in 3 words:
“Dedicated, genuine, friendly”
Fun fact about myself:
“I love outdoor activities, spending quality time with my loved ones, exploring interior decorating, and I can never resist the color pink!”