Sagicor wellness - Vol. 8

CONTENTS

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GSAT STUDENTS BENEFIT FROM SAGICOR SCHOLARSHIPS

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THE JOY DIET: EATING YOURSELF HAPPY

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CLIENT FEATURE: NATIONAL HOUSING TRUST WELLNESS PROGRAMME

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GOOD VIBRATIONS: DANCE THE BLUES AWAY

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A FOUR LETTER WORD THAT KILLS

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12 CAUSES OF DEPRESSION

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THE HEALING POWER OF GRATITUDE

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HEALTH NEWS UPDATES: A FAT GENE?

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SAGICOR HELPS

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SAGICOR Q&A

...the students were feted at an awards function by the Sagicor team and presented with back to school tokens.

GSAT STUDENTS BENEFIT FROM

SAGICOR SCHOLARSHIPS

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chool work can be challenging at times, which makes academic excellence an amazing achievement. 2013 marked the 19th edition of the Sagicor GSAT Scholarships. Each year with the assistance of the Ministry of Education, the company identifies students who have performed exceptionally well in the Grade Six Achievement Test (GSAT). The students are then awarded scholarships valued at $2,000,000 total by Sagicor Life Jamaica.

The programme, which began in 1994 has grown and now includes scholarships to 16 students from across the island, including two athletic scholarships to the champion boy and girl of the JTA/Sagicor National Athletics Championships. This year Kristoff Darby, record breaking junior athlete and Mackaela Fraser, outperformed their peers at the JTA/Sagicor National Athletics Championships and have been awarded scholarships. The remaining 14 students are among the nation’s best academics all with averages in excess of 96.5%.

In her keynote address, the guest speaker at the event, Tameka Hill, Jamaica’s Youth Ambassador, stressed the importance of an education if they are to secure meaningful employment and noted that class participation, homework and responsibility are the trifecta for success. She counselled students to learn from their failures, avoid distractions and reminded the awardees that Jamaica is depending on their success.

In addition to the scholarship Sagicor offers moral support from Sagicor employees through the company’s mentorship programme. A big brother programme is also established in an effort to forge a relationship with new and current scholarship recipients.

THE JOY DIET: EATING YOURSELF HAPPY

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f you have been feeling down, or you want to avoid that irritable, miserable feeling, there are certain foods choices that might help to boost your mood.

Basically, studies have shown that dietary changes can bring about changes in our brain structure, both chemically and physiologically, which can then lead to altered behaviour. Think of it as eating yourself happy.

Studies suggest that the following foods may help reduce stress, ease anxiety and even fight depression.

by Candiese Leveridge

Eating a diet high in Omega 3 will also keep your brain healthy and improve mood by keeping brain cells flexible, so the brain's messaging chemicals – neurotransmitters – can work more effectively.

Serving suggestion: Baked or grilled salmon sprinkles with salt, pepper and a bit of lemon juice is not only delicious, but so good for you.

O ATS

C HOCOLATE

The good news is, chocolate is not only delicious, it can also give you a mood lift. Studies show that eating about 1.4 ounces of dark chocolate every day for two weeks will reduce stress hormones, thanks to the various antioxidants found in chocolate. Dark chocolate also stimulates the production of endorphins, chemicals in the brain that bring on feelings of pleasure. It also contains an anti-depressant, serotonin. The darker the chocolate, the better it is for you. That being said, do not go grab any milk chocolate you see on the shelves.

Choose dark chocolate that is at least 70 per cent cacao.

Oats are an effective mood booster. This is because they have a low glycaemic index (GI) and they slowly release energy into our bloodstream rather than by a quick rush that soon dips. This helps to keep your blood sugar and mood stable. The mineral selenium in oats can also help mood by regulating the function of the thyroiod gland.

Serving suggestion: porridge is a great way to start the day.

Serve oats porridge with a spoonful of honey, some raisins or berries.

Bananas

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Studies have shown that people who are deficient in omega 3 may be more susceptible to depression. The Omega 3 fatty acids found in oily fish such as salmon, mackerel and sardines make up a large percentage of our brain tissue.

Bananas contain the amino acid tryptophan and vitamins A, B6 and C, fibre, potassium, phosphorous, iron and carbohydrate.

Mood-boosting carbohydrates aid in the absorption of tryptophan in the brain, and vitamin B6 helps convert the tryptophan into the mood-lifting hormone serotonin. Bananas aid good sleep.

Bananas are a good snack for those feeling stressed or tired. It's important in the transmission of nerve impulses, heart rhythm and muscle function.

Serving suggestion: Eat a banana as a mid-morning snack each day or slice it up on your porridge in the morning.

AVOID: CAFFEINE, SUGAR

AND ALCOHOL

Avoid drinks that contain caffeine. They may make you feel better at first, but they cause dehydration and can leave you feeling irritable, jumpy and prone to withdrawal headaches. So, cut back on the soda and energy drinks, try increasing your water intake, your body will thank you for it. Sugary foods and drinks give you an instant pick-me-up, a sudden burst of energy. However this will be followed by a sudden slump and your energy levels will crash, along with your mood, and you’ll find yourself reaching for another candy bar. The cycle will continue, the pounds may add up. Go for fresh fruits if you have a sweet tooth, the natural, healthy sugars will leave you feeling refreshed and energised. Also, we all love our weekend drinks, but do not overdo it. Alcohol consumption can result a relaxed state of mind; however it will leave you feeling worse the next day. Everything in moderation.

Yoghurt

Now, Happy Recipes!

Salmon Steaks

YOU WILL NEED: Lemon juice, Salmon steaks and Fresh herbs DIRECTIONS: Squirt some lemon juice over a couple of salmon steaks, sprinkle with some fresh chopped herbs then wrap them in foil (keeps them from drying out).

Vitamin D deficiency is linked to many health problems – such as: depression, osteoporosis, heart disease and cancer. Try to include foods that include vitamin D in your diet. Calcium can also help reduce your levels of stress and anxiety. Yoghurt is a great source of both Vitamin D and Calcium.

Serving suggestion: eat as breakfast topped with berries.

Oysters

Put the steaks in a medium oven (180 Celsius) for 20 - 25 mins.

When they are light pink, take them out, flake them into rice or pasta or crushed new potatoes with some mayonnaise. Add more flavour by grating some lemon zest over the fish before cooking.

Good Mood Smoothie

YOU WILL NEED:1 banana, 3 Tbsp. cacao nibs, 3 dates (B vitamins to help your mood improve), 2 Tbsp. almond buttermore alkalinizing than other nuts, 2 Tbsp. maca powder(helps balance the hormonal system), 2 cups unsweetened almond milk DIRECTIONS: Add all ingredients to high-speed blender for about 45 – 60 seconds until smooth. Enjoy

You either love them or hate them – but oysters have many health benefits. They are high in essential nutrients like zinc which has an array of important functions, including being essential for energy production and brain health. People who suffer from depression have been found to be zinc deficient.

Try some oysters by baking, grilling, frying or sautéing them.

Fruit & Nut Salad with Balsamic Vinaigrette

IN A LARGE BOWL, COMBINE: 1 bag of baby spinach, washed, and dried, ½ cup each sliced strawberries, fresh blueberries, mandarin oranges, ¼ cup dried cherries or cranberries, ½ of an English cucumber, sliced, ½ cup toasted or glazed walnuts or pecans and top with ½ cup goat cheese, feta, or cheddar, ½ cup balsamic vinegar, ½ cup salad oil, a pinch each thyme and basil. Wisk together and drizzle on salad. Refrigerate leftover vinaigrette for up to one month .

VARIATION: GREAT WITH GRILLED CHICKEN BREAST.

CLIENTFEATURE

NATIONAL HOUSING TRUST

WELLNESS PROGRAMME

by Candiese Leveridge

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he National Housing Trust (NHT), prompted by their employees’ inactivity and overuse of health insurance coverage, rose to the cause and launched a wellness programme in 2008.

Herman Baker, of the Human Resources Department at the NHT

said they saw the need to employ an initiative that would allow employees to enjoy a better life.

“We believed our employees would have a better understanding and awareness of the benefits to be derived from living a healthy lifestyle,” he said.

The NHT launched their wellness programme with an in house weight loss competition. This was such a successful venture that the team decided to keep the programme going.

Boasting about what has been dubbed the best gym in the private sector, Baker emphasised that being healthy is not just about being in the gym. The NHT’s Wellness programme has grown to the point where they now include regular fitness competitions and Zumba classes among other activities into their fitness programmes, as well as hiring trainers to help staff members achieve their fitness goals.

With the help of entities such as Sagicor Limited and the cancer society and well known nutritionists, NHT’s wellness programme has been extremely successful reducing the use of health coverage by 85 per cent. The programme has boosted staff morale.

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“The NHT is essentially a family. Teamwork has improved, as the staff is being influenced by other factors. The morale is good, the NHT is a great place to work!” he said.

“Healthy body and mind, trust me, a we dat”, is their slogan, as Mr Baker said it embodies everything the wellness programme represents.

The programme has been doing so well that the NHT has managed to branch out. They have so far invested in a sports club, known as ‘Overtime’, where persons outside of the NHT family can enjoy themselves in a stress free environment. Many activities such as playing pool or just listening to good music or playing dominoes are offered.

They have also launched a financial wellness programme, and a holistic wellness programme that involves the canteen, where “Wellness meals’ are created daily.

The NHT has also launched fitness week, which runs from October 28 to November 1, 2013. After which they will be organising a hike to the Cockpit Country later in November.

NHT’s wellness programme is an epitome of how solidarity over a common cause such as health and fitness will inadvertently affect and boost staff morale, increase employee productivity and create strong and positive interpersonal relationships amongst employees.

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GOOD VIBRATIONS

DANCING THE BLUES AWAY! DANCE HAS LONG BEEN USED AS A FORM EXERCISE FOR FITNESS, BUT MANY PEOPLE QUESTION WHETHER IT IS ACTUALLY A SUITABLE REPLACEMENT FOR THE GYM.

By Candiese Leveridge

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any wonder how much exercise one can really get from dancing as opposed to working out with weights and machines.

Studies have shown that dancing is an excellent form of exercise, but it might prove to be better for fitness and lifting your spirits.

Dancing aids in aerobic fitness, muscular strength and flexibility. It works your lungs and heart by bringing oxygen into your body consistently. Getting your heart rate up and keeping it up for an extended period of time will condition your body to work harder for longer, heightening your fitness level.

Consistent dancing will strengthen your muscles, allowing them to perform efficiently for long stretches of time. Muscles get shorter as they are worked through exercise and require stretching to release them, and dancing involves a lot of stretching to loosen those muscles, improving overall flexibility. If you have ever watched a dance class, you probably noticed how sweaty the dancers were. This shows that it is no easy task working every inch of your body at 100 per cent intensity for an extended period of time. Dancing is an excellent exercise for fitness because it constantly works every kind of fitness at the same time.

One does not need to run for miles, or struggle with weights in a hot crowded gym to achieve the body they want. Throw on your favourite music, or scroll through YouTube and dance the blues, and fat away.

Certain dance styles are more effective than others at working specific types of fitness but in general, it is the consistency of aerobics, muscle strengthening and flexibility exercise that puts it near the top of the best ways to get fit. Plus, it’s simply fun to do!

DANCE AT HOME. HERE’S HOW: GET READY: It's best to do this in the morning; it will wake you up and keep you feeling pumped and energised all day. However, if you prefer to work out in the afternoon, do what’s best for you. Wear some sweats, or you can just dance in whatever you're wearing, whatever makes you feel comfortable.

PLAY MUSIC THAT YOU LIKE. Slow music is great for stretching and meditating, while fast paced music makes for a great, intense workout. You don’t need choreographed moves, but you can watch videos of your favourite (fittest) entertainers and try to learn their routines. Ladies, try learning Beyonce’s “Single ladies” routine, what a work out!

GET A FEEL FOR THE RHYTHM Before you actually start dancing, do a couple stretches to loosen up tense muscles. Listen to the music while you do this and get into the frame of mind. Feel the rhythm and get into it!

JUST DANCE!.

Just go CRAZY! Have fun, feel free and express yourself. You may not have the best spins or neatest twirls, but as long as you feel the rhythm, you're a good dancer. Dancing for 30 minutes can burn more than 200 calories, and you will feel great afterwards.

REPEAT The first time through you might feel a little self-conscious, even if you are all alone. Try a different song or repeat the song and try some different moves. Just keep dancing around and eventually your inner critics will quiet down and you'll begin to relax and enjoy yourself enough to dance as if no one's watching!

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LETTER WORD

THAT KILLS

by Debbie-Ann Wright

Learning that you have a life-threatening illness is a difficult experience and most times diagnosis comes without warning.

For many, it is a death sentence if that diagnosis includes the word cancer. After a cancer diagnosis, you may feel anxious, afraid or overwhelmed. For 35 year old mother of two, Erica, the diagnosis 11 years ago was received with a smile— until the news sank in and the fear came.

She had been diagnosed with uterine cancer, which involves abnormal growth of any cells that comprise uterine tissue.

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rica says there was fear of dying and about how the treatment would go. Her hospitalization for chemotherapy and radiation were among the darkest days.

“Fear started to come inside me…I was just crying. Every week, somebody else died and fear started to come inside me and I started to wonder if I was next.”

The cancer survivor says the support from friends, family, her church, the doctors and other patients helped her to get through the treatment. She also says positive thinking and her Christian faith helped her to deal with her fear.

“Fear can make things worse. If it wasn’t for my Christian faith I think I would be dead a long time ago. So anybody facing any type of sickness just has to have faith and trust God that He can heal them,” Erica says.

HERE ARE FIVE THINGS YOU CAN DO TO KEEP FEAR AT BAY WHEN DEALING WITH A CANCER DIAGNOSIS:

illness, what to expect and how it can be managed or eliminated can help you to feel in control. Be sure to ask your doctor about the type of cancer you have, how it can be treated, your chances of being cured, what to expect during treatment, etc.

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TREAT YOUR BODY RIGHT Do everything to maintain a healthy lifestyle, which includes a wholesome diet and exercise. Eating a healthy diet consisting of a variety of foods and getting adequate rest may help you manage the stress and fatigue of the cancer and its treatment. Recent data also suggest that people who maintain some physical exercise during treatment not only cope better, but may also live longer. Knowing you are giving yourself the best care can improve your state of mind.

BUILD YOUR SUPPORT SYSTEM

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Talk to others in similar situations. You may want to join a support group with other cancer patients or survivors who SEEK KNOWLEDGE know exactly what you are going through The saying ‘knowledge is power’ is not just and can offer advice or reassurance. Also, a cliché, it’s a fact. Information about your let your family and friends help you.

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THINK POSITIVE THOUGHTS

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It might be hard to think positive after getting a cancer diagnosis, but, if you have to, fake it until you believe it. Your state of mind during this period is of paramount importance, as it can impact how well you respond to treatment as well as the quality of life you enjoy for the rest of your life.

What comforted you through rough times before your cancer was diagnosed is likely to help ease your worries now, whether that's a close friend, religious leader or a favorite activity.

...positive thinking and her Christian faith helped...

GET OUT THERE AND LIVE

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Don’t allow your illness and fear to cripple you. Maintain your normal lifestyle, but be open to modifying it as necessary. Try to remain active by meeting up with friends and doing the activities you love as much as is possible. Take things one day at a time. Looking too far ahead, especially where there is uncertainty about the future can be stressful and fear inducing.

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CAUSES OF

DEPRESSION

By Debbie-Ann Wright

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ver had a funk that has lasted just too long and which you cannot seem to shake? Depression happens to a great many people at various stages of their lives and sometimes can even be hard to pinpoint because it manifests itself in ways which might seem unrelated to one’s mental state.

Some people have feelings of helplessness and hopelessness, lose interest in daily activities or experience appetite or weight changes and sleep changes. Other signs of depression are anger or irritability, loss of energy, self-loathing, reckless behavior, concentration problems and unexplained aches and pains.

These symptoms can be part of life’s normal lows. However, the more symptoms you have, the stronger they are and the longer they last, the more likely it is that you’re dealing with depression.

So, how do you deal with these feelings? How do you address your depression now that you’ve identified it? Please understand that depression can be quite serious and it’s best to seek professional help. However, identifying the cause of one’s depression is a huge step towards finding a solution. For example, if you are new to an area and feeling lonely, finding new friends at work or through a hobby will probably give you more of a mood boost than going to therapy. Here are some of the main or most common causes of depression: 1

Loneliness—long-term isolation or loneliness can trigger depression, especially in people who are already at risk for experiencing the mood disorder.

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Imbalanced Nutrition— Preliminary research indicates that deficiencies in a number of vitamins and minerals, including B vitamins, selenium and magnesium, may lead to symptoms of depression.

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Recent Stressful Life Experiences—Persistent physical stress e.g. chronic infections, cancer, injuries or surgery can all induce depression, particularly when the individual feels helpless or hopeless to correct the problem.

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Family History Of Depression—Depression can run in families and some people will be at an increased genetic risk. However, this doesn't mean that a person will automatically experience depression if a parent or close relative has had the illness.

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Marital or Relationship Problems—unhappy relationships with anyone can cause depression, however, it might be even more acute when it is with a wife or husband. The end of a relationship requires adjustments in many areas and is one of the life changes that can trigger depression.

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Hormones—Changes in the body's balance of hormones may be involved in causing or triggering depression.

Hormone changes can result from thyroid problems, menopause or a number of other conditions.

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Early Childhood Trauma or Abuse—Traumatic events during childhood, such as abuse or loss of a parent, may cause permanent changes in the brain that make you more susceptible to depression.

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Alcohol or Drug Abuse—Drug and alcohol use can both lead to and result from depression. Many people with depression also have drug and alcohol problems.

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Unemployment or Underemployment—Can cause a sense of unfulfillment or worthlessness, which can lead to depression. Unemployment or underemployment can also result in financial strain, which can also cause depression.

10 Health Problems or Chronic Pain—Serious illnesses can bring about depression directly, or can contribute to depression through associated stress and worry, especially if it involves long-term management of the illness.

THE HEALING POWER OF GRATITUDE UNLOCKS THE FULLNESS OF LIFE. IT TURNS WHAT WE HAVE INTO ENOUGH, AND MORE. IT TURNS DENIAL INTO ACCEPTANCE, CHAOS TO ORDER, CONFUSION TO CLARITY. IT CAN TURN A MEAL INTO A FEAST, A HOUSE INTO A HOME, A STRANGER INTO A FRIEND. ~MELODY BEATTIE

By Debbie-Ann Wright

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ratitude prayers, gratitude sessions, gratitude journals all sound a little ‘self-helpy’ and, well, just a tad bit kooky.

For the practical go-getter who is all about results it is just a little too airy-fairy, this matter of taking time out of one’s day to be thankful for things, situations and people about which one might not even be truly satisfied.

However, years of research into the effects of gratitude on a person’s life cannot be ignored in the face of mounting evidence that grateful people have higher levels of what psychologists term subjective well-being. This means such persons tend to have a better evaluation of the quality of their lives, including, their emotional and cognitive judgments of themselves.

Grateful people also have higher levels of control of their environments, personal growth and purpose in life. They are happier, less depressed, less stressed, and more satisfied with their lives.

The mistake many make is thinking gratitude is about passive reflection and simply being thankful for whatever life hands you, or basically ‘accepting your lot’. Instead, think of gratitude as a way of building resilience, of ensuring that in the future you will have something for which to be thankful.

Need more convincing? Here are some practical reasons given by zenhabits.com why actively taking stock of the things for which you are grateful is a fulfilling practice:

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BECAUSE IT REMINDS YOU OF THE POSITIVE THINGS IN YOUR LIFE.

What better pick-me-up do you need than to know that you have some things going for for you? This could be the types of people you have in your life, that home you just bought or the beautiful weather outside.

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BECAUSE IT TURNS BAD THINGS INTO GOOD THINGS.

Sad about that leaky roof? Be grateful you have a house. Your boss pinches your last nerve? Be grateful you have a job.

BECAUSE IT REMINDS YOU OF WHAT’S IMPORTANT.

It’s hard to complain about the little things when you give thanks that your children are alive and healthy.

BECAUSE IT REMINDS YOU TO THANK OTHERS.

In addition, making someone else happy will make you happy.

So, how do you go about this gratitude business?

There are a few simple steps you can take as a start to developing a habit of gratitude. They may seem awkward at first, but with some initial consistency, gratefulness should soon become an ingrained part of you.

You can start by taking a minute or two each day to reflect on the things you are grateful for. This moment of self-reflection allows you to put things in perspective and to start your day with a game plan and a positive attitude.

Be sure to say thanks. Thank people for big and small acts of kindness towards you and mean it. It will make that person feel good and will in turn lift your spirits. Gratitude also encourages goodwill towards you as people like to do things for people they know will appreciate it.

Give thanks for ‘bad’ things in your life. Giving thanks for perceived problems or bad things in life is a great way to remind yourself that there is good in just about everything. Problems can be seen as opportunities to grow and to be creative.

Say a gratitude prayer. This suggestion may not be for all, but can add some insight or aid our daily mental state of mind. It may be taken as a motivational saying or poem that you keep as a reminder and read as an affirmation. Jamaican singer, Beres Hammond has a nice song, ‘Giving Thanks’, which is a nice feel-good way to remind yourself to be grateful.

BE GRATEFUL Right ya now, I'm taking it easy, Check my steps, I'm not in a hurry, Soon I'll have the things that I needed so bad.

Morning sun rising behind me, Stars at night come out to remind me, To give thanks for all of the things that I have.

All is well, I've got my health and in such good shape, Pocket's broke and I've got nothing waiting for that break.

So I'm giving thanks, all I've got, I'm giving thanks, whether or not, I'm giving thanks for the life in me, I'm giving thanks now.

Right ya now, the friends I'm surrounded, Are but few, glad I'm not crowded, Just enough, just enough for me to concentrate.

One by one, counting my blessings, Getting close to goals that I'm setting, If I make mistake, correct me, don't you hesitate.

-Beres Hammond It is believed that one of the most fulfilling practices is keeping a gratitude journal in which you write down the things about which you are grateful each day. Studies have traced a range of impressive benefits to the simple act of writing down the things for which we’re grateful. Such things could include better sleep, fewer symptoms of illness or more time to study for a test. Elaborating in detail about a particular thing for which you’re grateful carries more benefits than a superficial list of many things. Also, concentrate more on people than things when journaling.

HEALTH NEWS UPDATE

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FAT

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By Debbie-Ann Wright

he explanation many Jamaicans like to give of being ‘big boned’ or being born that way when explaining why they are overweight is now being backed up by science. Researchers say the mocked ‘obesity excuse’ of being born with a slow metabolism is actually true for some people.

The new information is published in the journal Cell, which presents the finding of researchers who analysed the genetic makeup of 2,201 adults with severe early-onset obesity.

Scientists at the Institute of Metabolic Science, in Cambridge, knew that mice born without a gene called KSR2 gained weight more easily. However, after looking at the gene’s effects in humans, they found that mutated versions of KSR2 in participants of the study had a double effect increased their appetite and slowed their metabolism.

KSR2 is mostly active in the brain and it affects the way individual cells interpret signals, such as the hormone insulin, from the blood. This in turn affects the body's ability to burn calories.

The researchers hope to someday develop targeted therapies that could help treat people with genetic mutations that predispose them to obesity.

Lead researcher Professor Sadaf Farooqi said the work adds to a growing body of evidence that genes play a major role in influencing a person’s weight and may be useful for developing new ways to treat people who are heavy and develop diabetes.

She explained that less than 1% of people had mutated versions of the gene and some would be a normal weight.

However, Farooqi said if drugs could be developed to target problems with KSR2, then it might be beneficial to anyone who is too fat.

...KSR2 in participants of the study had a double effect increased their appetite and slowed their metabolism

SAGICOR DIRECT ALL YOUR CLAIM PAYMENTS CAN BE MADE THROUGH SAGICOR DIRECT. OUR ELECTRONIC FUNDS TRANSFER SYSTEM THAT ALLOWS YOU TO RECEIVE YOUR PAYMENTS FASTER AND MORE SECURELY. This method of payment offers some distinct advantages, which include: • Providing immediate access to your funds once it has been deposited • Eliminating the time it takes to collect and deposit cheque • Eliminating the risk of theft or loss of cheque Once your claim is settled, the funds will be automatically deposited to your bank account and an email with the details of the claim paid will be sent to the email address that you provide.

FREQUENTLY ASKED QUESTIONS (EFT) PAYMENTS WILL SAGICOR CHARGE ME TO HAVE MONEY SENT TO MY ACCOUNT? No! Sagicor will not charge you to send funds to your account and most banks will not charge you for receiving payments by EFT. You could confirm with your particular bank to determine if there are any charges.

HOW WILL I KNOW WHEN YOU HAVE DEPOSITED FUNDS TO MY ACCOUNT? Sagicor will send an email to the address you provided when funds have been deposited to your account. The email will also have a statement attached indicating which claims have been paid.

I SUBMIT CLAIMS TO SAGICOR EVERY DAY; HOW OFTEN CAN I EXPECT DEPOSITS? Provider payments are processed twice weekly, so you can expect deposits in your account within two business days. However, the majority of our providers see payments in their account after 3:00pm on the next business day

I HAVE A US$ ACCOUNT AT MY BANK, CAN YOU SEND THE PAYMENTS TO THAT ACCOUNT? No, we can only send funds to Jamaican dollar accounts, however, once you receive the funds you can then transfer it to whichever account you choose.

IF YOU CAN DEPOSIT MONEY INTO MY ACCOUNT WHAT IS TO STOP YOU FROM TAKING MONEY OUT? Sagicor does not have any access to your bank account. The arrangement that Sagicor has with the banks is for deposit only. We send the banks an electronic file with your account number and payment figure, then the bank will deposit the funds to your account.

Sagicor Life Jamaica Limited 28-48 Barbados Avenue Kingston 5, Jamaica.

Phone: 1-888-Sagicor (725-4267) Fax: (876) 929-4730 www.sagicorja.com

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Suite # 22, Technology Innovation Centre University of Technology 237 Old Hope Road Kingston 6 www.pointglobalmarketing.com Email: info@pointglobalmarketing.com 1 (876) 970-3327 (Jamaica) or 1 (876) 432-5707 (Jamaica Mobile) 1 (868) 389-8664 (Trinidad)