Our variable, multicurrency education plans provide the option of investing in the world’s most important markets. The investment profile is determined by each individual’s financial goals and risk tolerance. Our plans provide the added convenience of making payments and receiving benefits in your currency of choice: US Dollars or Euros.


In variable multicurrency education plans, contributions go to a special account for investment in fixed and variable income mutual funds, as well as global stock market indexes, based on the investment profile selected by the customer.

Features and Benefits

Features Benefits
Planning for bi-annual income. The holder receives an education payment every six months.
Diversified investment options across investment profiles. Contributions are invested in capital market instruments (mutual funds).
Amounts in US Dollars. Flexibility in the amounts and duration of contributions and payments.
Customers select the amount they wish to deposit and the amount of time to make payments. Death benefit through a life insurance component.
The holder chooses the time period when their children will receive payments. Your plan has the backing of a solid international financial institution.
Provides maximum confidentiality. Growth potential through mutual funds.

Planning for your children’s education begins long before they reach the age to enter a university.

  1. A financial consultant will work with you to determine the disposable income that you will need for your children’s education. The consultant will help you determine your investment profile and your tolerance for risk and volatility. This way you will decide how much to invest in the education plan of your choice.
  2. Once you have decided on the amount of income available for savings, as well as the estimated costs of education with the assistance of your financial consultant, an outline or plan proposal is drafted for your evaluation and final approval.
  3. Your money will be invested in the mutual funds you select, based on the profile you have chosen. Every so often, if you wish, you may rebalance and change your chosen mutual funds and the amount assigned to each one of them.
  4. When your child begins their higher education, (or has reached the age start college), you will begin receiving a bi-annual income to cover expenses during the number of years you have selected.

At StateTrust Life & Annuities, these plans provide an option to include full insurance in your children’s education savings plan, which goes into effect at the time of death of the insured and before the benefit payment period starts.