The Life Company

We Are Helpful RF&G Life Insurance Agents

RF&G Life has an extensive network of knowledgeable Agents available to provide solutions to your Life and Health insurance needs.

Mirna Paul - Sales & Marketing Manger

Mirna Paul-JP, LUTCF

Sales and Marketing Manager (Unit 1)

Helping others has always been a passion of Mirna’s. She has a desire to make a difference in people’s lives, hence her decision to pursue a career in the Life Insurance Industry where she firmly believes that this passion can be realized. She previously worked with NGO’s such as YMCA of Belize, HABITAT for Humanity Belize, now known as Belize Housing Mission and also Sagicor.

She is a Past-President of the Belize Association of Insurance and Financial Advisors. She is fluent in Spanish and English. She was the top producer for RF&G Life Insurance Company for 2011.

Unit 1 Agents

Carlos Peralta

Carlos Peralta

Carlos entered in the insurance business in 1989. From 2001 to 2009 Carlos held the position of Unit Manager at CLICO. In 2003 he was awarded Unit Manager of the Year by CLICO Bahamas. In 2006 he completed LUTCF and in 2005 attended Management Skills Seminar with LIMRA in 2005 in Guyana. Carlos has been happily married since 1978 and has a family of seven children. He serves his community as a Justice of the Peace and Commissioner of the Supreme Court of Belize. Carlos is also an active member of Knights of Christ at La Inmaculada Concepcion Church, Orange Walk Town.

Joyce Garbutt

Joyce Garbutt

After nearly six years in Life Insurance, Joyce Garbutt enjoys helping families plan and protect their futures. Retirement planning and Educational Funding are her specialties. For education she advises, "As your children are born, begin a university fund for them. It's easy when you have 18 years to prepare!" Regarding retirement, "On your first job, start dreaming about a comfortable retirement, and open an annuity. As a senior you can be blessed and a blessing by having planned 25-35 years." To all planners, “Even if you haven't started early, I can still share ways to make your future brighter!"

Khalifa McKay

Khalifa McKay

Khalifa McKay has been a top sales agent for the past 4 years. She takes pride in her work, treats her clients with respect, understands their needs and meets those needs by delivering efficient quality service, always striving to surpass their expectation. She has achieved many awards, some of these include; Rookie of the year, Century Club, Chairman’s Club, Top Advisor of the year, MDRT, Consistency Award, Persistency Award and CarAifa Awards. Khalifa enjoys singing, acting and spending quality time with family and friends. Spirituality is an important aspect to her. Khalifa is currently pursuing an MBA.

Dwight Arnold

Dwight Arnold

Dwight began his insurance career in 2013. He specializes in Life and Health insurance for both Group and Individual Clients. His personal creed is "Commission is not everything, determine the Client’s needs based on their background THEN recommend policies that best suit their needs". In 2014 Dwight was recognized as Agent of The Year and in 2015 as Aptivity Agent, Member of the Chairman’s Club and Century Club. Dwight is an active member of his community and a proud father of three boys, He enjoys spending his free time with his family, cycling, reading and traveling as much as possible.

Magdalene Okondo

Magdalene Okondo

Magdalene is an Insurance Advisor specializing in both Group and Individual business. She has over 19 years of experience within the industry, including 8 years as Unit Manager in charge of 8 to 10 agents. Magdalene obtained her advance level education at Midwest College, where she earned several accomplishments and awards and has taken several successful courses both as agent and on managerial level. Skills and knowledge acquired over the years has been the backbone of her success in her career. She is a single mother with one daughter. Her hobbies include traveling and listening to music.

Maria Coyi

Maria Coyi

Maria Coyi, born in Trinidad & Tobago was educated at UWI, then earned a Master's Degree in Educational Leadership from the University of North Florida, U.S.A.  Mrs. Coyi served as Vice-Principal of St. Catherine Academy and later became the Headmaster of S.J.C. in 2007, becoming the first female to hold that position.  A Past President of the Rotary Club of Belize, her experience spans Banking positions both at Scotiabank in Trinidad & Belize, to Senior Supervisor, Currency Dept. at Central Bank of Belize, and having retired, now an Insurance Advisor with RF&G Life (formally with Guardian Life).

Sandra Mckay - Sales Manger

Sandra Mckay

Sales Manager (Unit 2)

Sandra McKay has spent the last thirty-four years working in the financial services sector; fourteen years in banking, and twenty years in insurance. After three years as an Insurance Advisor, she moved into Management.

Sandra has served on the Board of BelAIFA for eleven years, and is a Past President. She was also elected to serve regionally on the board of the CARAIFA. She led a Steering Committee in the establishment of Belize’s first Insurance Institute, and is the current President of ORINCO. Her community involvement includes the Rotary Club of Belize and, the Methodist Praise Singers.

Unit 2 Agents

Marilyn Smith

Marilyn Smith

Marilyn has been in the Life Insurance Industry for the past 2 years. She believes that personalized service is essential when matching clients’ needs with the right financial products and service. As a caring Insurance Advisor, she is dedicated to learning about her clients’ personal goals. Tailoring solutions to meet the needs of her client is her mantra. Marilyn is a dedicated mother who enjoys spending quality time with her family.

Maria Riveroll

Maria Riveroll

Over the past two decades Maria has worked as an insurance agent for several companies. As a self-employed business woman, she has engaged in different businesses which have enriched her work ethics and knowledge. Her interest in her clients’ financial well -being led her to participate in several designation courses which will eventually accredit her as a Financial Advisor. Her hard work has been frequently acknowledged by the different companies she has represented. As an insurance advisor, her clients have always given an excellent recommendation on her behalf.

Shantel Lofter

Shantel Lofter Knight

Shantel has been in the Insurance industry for the past twelve years. She believes that personalized service is essential when matching clients with the right financial security products and services. As a caring advisor she is dedicated to learning about clients personal goals. She has studied Business Management and Economic and some LUTCF courses. She enjoys socializing with family and friends, helping her community, traveling to new beautiful countries and discovering new cultural life styles. Most of all she loves taking care of her clients financial needs and providing sound financial security for each of her clients.

Shawn Smith

Shawn Smith

Shawn is a proud graduate of Independence High School, graduating in 1999 with her diploma in Business Studies. She went on to further her studies at the University of Belize, where she earned her diploma in Business Administration in 2001. Shawn has been in the insurance industry for the past 7 years. With the will to provide better service to her clients, Shawn has completed her Life Underwriters Training Course (LUTC) and earned her designation. She is presently the President of the Belize Association Of Insurance and Financial Advisors (BelAIFA).

Ricardo Magana

Ricardo Magana

Ricardo is originally from the northern border town of Corozal. He is a true stalwart in the Life Insurance Industry, having worked in the Life insurance business for the past 31 years. Ricardo has qualified several times for international conventions and three times for the prestigious million dollar round table. For Ricardo, the Life Insurance business is far more than just a career. He believes it’s a calling.