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


Lighthouse is our Term Life Insurance product to meet your family’s coverage and protection needs during a specific period of time.

The policyholder can select the plan’s currency. Contribution amounts are fixed and will last throughout the life of the plan.


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

Intended for:

  • Parents seeking protection for their families for a specific period of time.
  • Key executives who require temporary benefits.
  • Individuals who already have a life insurance policy but wish to expand their coverage by purchasing LIGHTHOUSE, and enjoy greater cost-benefit efficiency.
  • Lighthouse, Term Life Insurance in multiple currencies from StateTrust Life and Annuities
Benefits Flexible Insurable Period of 10-30 years.

  • Option to select plan currency.
  • Protection against devaluation of currencies with low stability.
  • Guaranteed Temporary Life Policy.
  • Option to convert to permanent life policy with recalculated premium.
  • Option to renew annually with premium recalculation.
Age Limits
  • Plan available for individuals up to 65 years old.
  • Fixed premiums within scope defined by contract.
Contribution Period
  • Throughout the life of the policy, based on insurable period selected by customer.
Insured Amount and Riders
  • Insured Amount: Minimum: $100,000 — Maximum: $2,500,000 (U.S. Dollars or Euros).
  • Available Riders: Accidental Death, Additional Temporary Insurance, Spouse Insurance / Other Insured, Accelerated Benefits in case of Terminal Illness, Critical Illnesses.
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.