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COMPASS INDEX

The purpose of life insurance is to guarantee, at the time of death of the insured, the specific amount of funds to be paid to each beneficiary.

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Throughout your entire life, you’ve worked hard to protect the future of your family. Any incident affecting your estate can impact the security of your family’s future.

Compass is a variable universal life insurance policy, which also provides the flexibility and ability to invest in indexes/funds in the world’s main capital markets. This policy can help you build significant savings, which, if needed, would be available to you during the life of the plan.

Riders

  • Accidental Death Coverage.
  • Temporary Additional Insurance
  • Spouse Insurance/ Other Insured.
  • Critical Illness.
  • Accelerated Benefit for Terminal Illness

Intended for:

  • Parents seeking protection for their families.
  • Seniors seeking to preserve their estate for their heirs.
  • Businesses wishing to offer benefits for key executives.
  • Business partners designated as cross-beneficiaries to provide access to liquidity, in case there is a need to buy a portion of the business back from heirs upon death of one of the partners.
  • Individuals who want to commit to building disciplined savings, through participation in capital markets, based on investment profiles offered by STL.
Description
  • Compass, Universal Variable Life Insurance from StateTrust Life and Annuities
Benefits
  • Benefit options in case of death: Capped or Incremental.
  • Flexible insured amount, minimum insured amount: $50,000
  • Investment Profiles based on your risk-tolerance levels, which allow for portfolio diversification.
  • Protection against devaluation of currencies with low stability.
  • Policy ownership: Individuals, Corporations or Trusts.
Age Limits
  • Plan available for individuals up to 65 years old.
Premiums
  • Flexible premiums within scope defined by contract — Min. Premium: $1.200 USD.
  • Additional Contributions at any point during the life of the policy.
Contribution Period
  • Flexible: A single contribution or periodic contributions may be made during the life of the policy.
Policy Values
  • Surrender values available through loans, partial surrender amounts and total surrender amounts
    (Within the limitations and conditions set forth in the policy contract).
Insured Amount and Riders
  • Insured Amount: Insured Amount: Minimum: $50,000 — Maximum: $2,500,000 USD.
  • Available Riders: Accidental Death, Additional Temporary Insurance, Spouse Insurance / Other Insured, Accelerated Benefits in case of Illness, Critical Illness.
Plan Investments
  • Ability to invest in Mutual Funds.
  • Plan currency is U.S. Dollars.
  • Investment Profiles based on your risk-tolerance levels:
    Guaranteed / Moderate / Balanced / Growth / Customized.
  • Ability to change Investment Profiles and rebalance portfolios.
Methods of Payment
  • International credit/debit cards, automatic debits from U.S. banks, checks and transfers. (Payments may be made in the plan’s currency).
  • Directly from your StateTrust Bank & Trust Ltd. account.