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Your death could leave your family or business financially vulnerable. Although nothing can replace you, insurance policies help you make sure your family or business will enjoy financial security, if you are ever not there for them. The amount insured is calculated based on the needs of your family or business. It may include factors such as: mortgage debt, business/family debt, your current salary, your contribution to your company's income, etc.
StateTrust Life & Annuities specializes in offering products and services to people living outside their country*, as well as local nationals, who want to purchase life insurance, travel insurance, education and/or retirement products. We customize our plans to your needs. As a result, we offer products in various currencies, such as US Dollars, Euros or the currency of your choice. We take pride in our first class service and support. Our life insurance, annuities, and travel products are available and customized based on the needs of our expatriate customers.
* StateTrust Life & Annuities does not serve citizens and residents of the United States of America (USA) or the British Virgin Islands (IVB).
| Product Name | Product Type | Description |
| Legacy | Variable Universal Life Insurance | This type of policy combines variable life insurance with universal life insurance. It is a popular product, since it provides insured parties the flexibility to invest, while enjoying the benefits of insurance coverage. This policy provides the ability to invest in the world's major capital markets and may be adapted to your present and future protection and investment needs. This product protects both the inheritance and the family estate for succession planning purposes. |
| Compass Index | INDEXED UNIVERSAL LIFE INSURANCE | This policy provides the policyholder with insurance coverage, as well as an opportunity to allocate investments in the S&P500. It provides a guaranteed minimum return every 24 months (primary protection), and a share percentage in this index's growth. |
| Global Dynamic Protection | INDEXED UNIVERSAL LIFE INSURANCE | A universal indexed life insurance plan with flexible premiums, which combines the protection of a life insurance policy with an investment component. |
| Lighthouse | Term Life Insurance | This life insurance product provides coverage with capped premiums during the life of the policy. This plan does not include an investment component, thus offering the insured amount at the lowest available cost. |
| Sentinel | Term Life Insurance with Return of Premium | This life insurance product provides coverage with capped premiums during the life of the policy. This policy will provide financial resources to your family in case of premature death. In addition, at the end of the coverage period, all premiums paid will be reimbursed as long as there are no pending claims on the policy, at the time of death of the insured. |
| Product Name | Product Type | Description |
| Scholar | Education Plan with Variable Return | This product provides a savings plan to invest in fixed and variable income funds and indexes. This plan covers educational expenses at the beginning of the education period. |
| Eduplan | Education Plan with Guaranteed Return | This product offers a savings plan with a fixed income to guarantee a specific amount of money that will be paid during the entire educational period selected. |
| Axys | Retirement Plan with Variable Return | This product provides a savings plan to invest in fixed and variable income funds and indexes. This plan covers retirement expenses at the beginning of the retirement period. |
| Horizon | Retirement Plan with Guaranteed Return | This product offers a savings plan with a fixed income to guarantee a specific amount of money that will be paid during your entire retirement period. |
