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Demerara Mutual Life Assurances Limited (DM) has now been established for 121 years within Guyana. It has become the leading provider of life insurance despite the recessionary nature and challenging environments that business is now conducted in. These were the sentiments expressed by DMs Chairman Richard B. Fields SC in the Annual Report of 2012 for its 121st Annual General Meeting (AGM).According to Fields, the past few years for Demerara Mutual have been extremely challenging, but due to prudent managing and hard work by their sales team,China Jerseys, the company at the end of 2012 was able to be on top of the ladder “with a 30 per cent market share, which made us the number one Company in the area of lives sold and annualized premium.” He said the company’s revenue for 2012 totalled G$1,Stitched Jerseys,790M,Discount NFL Jerseys, which is a 5% increase over the 2011 figure of G$1,NFL Jerseys Wholesale,705M.Demerara Mutual’s head officeKeith Cholmondeley, the Chief Executive Officer (CEO) of Demerara Mutual in his report for the AGM, stated that the company has recorded after taxes a profit of G$124M for the year 2012 which is an increase of 22 percent from 2011’s profit of G$101M.According to Cholmondeley, Demerara Mutual in Guyana has “outperformed the competition in the sector with considerably less resources than our competitors.” This was done with the use of less sales representatives than their competitors and they (Demerara Mutual) were still able to lead the industry with 30 per cent of market share in Lives and 43 per cent in Annualized Premium Income.The fact that Demerara Mutual has shown increased profits with respect to Guyana in the face of competitors the likes of Guyana and Trinidad Mutual Fire and Life Insurance Company (GTM), Hand in Hand Mutual Fire and Life Insurance Company and Caricom General Insurance Company to name a few,NFL Jerseys China, is testament to its development throughout the years the company has been established in Guyana.Apart from accruing financial growth and a competitive advantage, the company has also invested in the overall growth of Guyana, by improving on their fulfillments and social responsibilities. According to Cholmondeley, “the year saw a much greater emphasis on Anti-Money Laundering and combating the Financing of Terrorism awareness in all jurisdictions.” As well as the company honoring its corporate social responsibility by donating to institutions that are in need, one example being; the company “has been a major contributor for the rebuilding of the Mercy Hospital in Georgetown, Guyana, which suffered major damage resulting from a 2010 fire.”“The Society is headquartered in Guyana and has Offices in St. Lucia,Cheap Jerseys Wholesale, St. Vincent and the Grenadines, and Grenada. Since its inception in1981 as a carrier of life Assurance indemnities, Demerara Mutual has developed into a full-fledged financial institution in this new millennium” the report states.