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.


Sentinel, STL’s term life policy, guarantees full return of premiums paid over the life of the policy. In case of death of the policyholder, while the contract is still valid, beneficiaries are also guaranteed payment of the insured amount. These are two fundamental features, both at reasonable cost, with the primary goal of protecting both the policyholder and the beneficiaries.

In addition to these benefits, Sentinel provides other equally important features—policies are not based on account values or market fluctuations. Therefore, return of premiums and insured amounts are guaranteed, so long as the conditions set-forth on the contract are met.


  • 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 Sentinel, and enjoy greater cost-benefit efficiency.
  • Adults who require a significant insured amount but have a limited budget to purchase a life policy.
  • Adults who need life insurance for a specific term to protect a loan/mortgage.
  • Sentinel is StateTrust Life & Annuities’ Term Life Insurance with return of premium.
  • Flexible Insurable Period of 20-30 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.
  • Guaranteed full return of premiums at the end of chosen insurable period.
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.