Best insurance company in Trinidad and Tobago?

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What do you think is the best insurance company in Trinidad and Tobago?
It have these, so far i think Guardian life is better i'm looking to make a good choice here, What are your views?

Algico
Clico
The Beacon Insurance Company Limited
British American Insurance Company Limited
Maritime General Insurance Company Limited
TATIL Life Assurance Limited
Guardian Life
 
Guardian Life is the best because they actually have coverage and a good medical plan unlike Algico or other companies that dont even have insurance forms for if you go by the dentist or doctor ...
 
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