In the 21st century, knowledge has become the most important asset. Well educated, tech-savvy workers get the highest salaries and have the lowest unemployment rates.


Planning for your children’s future education is not only one of the best gifts any parent can leave their family. It is also a strategic choice. Globalization demands competency and knowledge, two essential tools to face the challenges of the increasingly interconnected world of the 21st Century, where the knowledge economy is more important than ever.

StateTrust Life & Annuities has created Scholar, a product that gives you peace-of-mind, knowing that your children’s future has been planned with the greatest care possible.

Investing in the world’s top markets, using stable, solid currencies, and maintaining a diverse portfolio, include some of the strategies our managers have devised to maintain financial relevance in your plan’s future goals.

Intended for:

  • School-age students with the goal of planning for their higher education.
  • Students and professionals wishing to pursue post-graduate studies.
  • Parents and grandparents wishing to create an education fund in their preferred currency, for their children or grandchildren.
  • Scholar: Guaranteed Plan for your children’s future education, provided by StateTrust Life & Annuities.
  • Full Insurance Option.
  • Beneficiaries are able to start the education period immediately upon death of the plan holder, through payments on account value and growth over the years of education
  • Ability to designate a different student to the beneficiary on the Insured Life policy.
  • Flexibility to increase contribution amounts and insured amounts (limits apply).
  • Surrender values available through loans and total surrender amounts.
  • Option to select investments your preferred currency.
Age Limits
  • Plan available for individuals up to 65 years old.
  • Flexible premiums within scope defined by contract — Min. Premium: US $1,400 (US Dollars or Euros).
  • Additional Contributions at any point during the life of the policy.
Contribution Period
  • Flexible (Minimums apply)
Education Period
  • Flexible: 2-9 years.
    (May be used to cover graduate and post-graduate expenses).
Annual Retirement Income
  • Minimum: $6,000 per year — Maximum: Unlimited.
  • Payments are received bi-annually for the established education period.
Plan Investments
  • Ability to invest in “ETF” market instruments and Mutual Funds.
  • Access to the world’s main capital markets through a diversified portfolio.
  • Option to select plan currency in US Dollars, Euros or other currencies.
  • Investment Profiles based on your risk-tolerance levels:
    Guaranteed / Moderate / Balanced / Growth / Customized.
Methods of Payment
  • International credit/debit cards, automatic debits from US banks, checks and transfers.
    (Payments may be made in the plan’s currency).