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.


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.


  • 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.
  • Compass, Universal Variable Life Insurance from StateTrust Life and Annuities
  • 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.
  • 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).