Mr. Raphael is a distinguished insurance professional with over four decades of experience at Agostini Insurance Brokers Ltd. (AIBL). Since joining the company in 1982, he has made significant contributions to its growth and success, culminating in his appointment as a Director of the Board in 2005. His extensive expertise is underscored by his Fellow Life Management Institute (F.L.M.I.) accreditation, which reflects his deep knowledge and commitment to excellence in the insurance industry.

Throughout his illustrious career at AIBL, Mr. Raphael has held various key positions, each contributing to his comprehensive understanding of the company and the broader insurance landscape. As a Director, he has been instrumental in the design and implementation of innovative Employee Benefits programs, particularly tailored for clients in the financial services sector. His strategic vision and hands-on approach have consistently delivered exceptional value to both the company and its clients.

Mr. Raphael’s visionary leadership extends beyond traditional insurance practices. Recognizing the potential for transformative change in the industry, he played a pivotal role in introducing the concept of self-funded insurance to the Board. His forward-thinking initiative led to the establishment of Cardea Benefits Limited, a successful subsidiary of AIBL, which has since made a significant impact in the insurance sector.

With a career marked by innovation, leadership, and unwavering dedication, Mr. Raphael continues to be a driving force behind AIBL’s strategic direction, ensuring the company remains at the forefront of the industry.