StateTrust Life & Annuities

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.

Riders

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.

Description	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.
Premiums	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.

LIGHTHOUSE