StateTrust Life & Annuities

If you wish to make changes to or update your personal information, you may submit them via the following methods:

Internet:

Access your plan or policy entering your username and password in the Client Access
On the menu, select Policy Changes, the type of change you wish to request, and submit.
You will receive a confirmation for your requested changes via email.

Email:

Open the PDF document on this page.
Complete the information on the form, sign and date the form.
Please send via email to: servicios@statetrustlife.com
You will receive a confirmation for your requested changes via email.

General Description

In policies and plans with a savings/investment component, each customer typically selects the investment profile they want. Customers may change their investment profile while the plan/policy is in effect, subject to restrictions within each specific plan. These investment profiles are managed by StateTrust Life & Annuities (STL) and their composition may vary from time to time, dynamically, or periodically.

Investments are not guaranteed and may be subject to highs and lows due to fluctuations in capital markets. StateTrust Life & Annuities is not able to predict future performance of investments. Past returns do not guarantee future performance (capital losses may be possible). Investments are made primarily in mutual funds and market indexes ("ETF") in the world's top markets, including, but not limited to, investments in funds/fixed income indexes; stocks; funds in various currencies; funds in developed, developing, and other countries; commodities funds; and, generally speaking, all types of asset classes, including cash, which may contain mutual funds managed by StateTrust Life and Annuities' subsidiaries or related companies. These investments have different levels of risk. You have access to, and should carefully examine, the prospectus of all funds and indexes where net contributions to your plan/policy (after expenses) are being invested.

All fund/index/other investment trades incur fees in the form of commissions or other expenses, charged by the brokerage firm or financial institution through which transactions are executed. These charges are not included in the expenses, monthly fees and other deductions described in the terms and conditions of each plan/policy. These /expenses will appear as part of the net trading price of each investment. STL currently uses the services of an affiliate company, StateTrust Investments, Inc., for the execution of these transactions.

The composition of each Investment Profile will be determined by STL, except in the case of customers with customized profiles. At its discretion, STL may trade specific investments/funds in each Investment Profile at any time in a particular month. In addition, it may also change the structure or composition ratio of each Investment Profile, to make monthly investments for each plan/policy. (Please see Terms and Conditions for each Plan>Plan Operations, to obtain more details).

Returns are based on net amounts, after expenses have been deducted. Therefore, return on contributions may be lower than returns shown. Returns and composition of a specific plan may vary based on when payments are made, specific portfolio composition, past profile changes and specific fund/investment performance, among other factors.

Currently, STL has the following Investment Profiles available, which may vary for each product:

Guaranteed
Moderate
Customized (directly chosen by the customer from a list of potential/allowed investments).

The specific composition of each profile is available through our advisors or in the Customer section of the STL website.

Our preset investment profiles are managed by StateTrust Life & Annuities and are re-balanced and/or re-structured at least every two years, to ensure they have adequate distributions.

Available Investment Profiles are:

Guaranteed: This is the only profile with guaranteed returns on net premiums, after expenses and other monthly deductions. This profile was created for customers who wish to minimize capital market fluctuations. See our General section for more details on this type of investment.
This profile provides a lower return on investment, but typically provides less variability and greater peace of mind to investors.
Typically 65-85% of all investments are made in fixed income instruments (funds/indexes/general accounts) that have variability. This composition may change at any time at the discretion of STL.
As an example, below are some funds/indexes/investments that have been used, or are currently in use, for this profile. To obtain more information about the specific composition of each profile, please contact one of our advisors or visit the Customer section of the STL website.

USD

Fund Description	Symbol	Country/Region
ASHPORT FIXED INCOME FUND-A	ASHFIXA	Global
FRANK TEMP INV FRA INC-N ACC	TEMFIXI	Global
VAL-HOUSE SHORT TERM INTEREST	VALSHTA	Global
FTF FRANKLIN HIGH YIELD BOND	TEMHYBI	Global
GUARANTEE ACCOUNT	–	–
PROSHARES ULTRA MIDCAP 400	MVV	USA
PRO SHARES ULTRA S&P 500	SSO	USA

EURO

Fund Description	Symbol	Country/Region
ISHARES EURO GOVT. BOND	IBGXFP	Global
GUARANTEE ACCOUNT	–	–
EURO STOXX 50	EUE	Europe

Important: Allocation percentages of investment profiles may change at the sole discretion of StateTrust Life. Fund amounts, and allocation of investment profiles shown here may vary, increase or decrease at STL's discretion. Past performance does not guarantee future results (capital losses may be possible). Returns are based on net amounts, after expenses have been deducted. Therefore, the return on contributions may be lower than returns shown. Returns from a specific plan may vary based on when payments are made, portfolio composition/specific portfolio, and profile changes made in the past, among other reasons.

Our preset investment profiles are managed by StateTrust Life & Annuities and are re-balanced and/or re-structured at least every two years, to ensure they have adequate distributions.

Available Investment Profiles are:

Moderate: This profile will typically invest 70% in fixed income instruments—fixed income mutual funds and ETFs; and 30% in variable income instruments—stock funds and ETFs. This composition may change at any time at the discretion of STL. See our General section for more details on this type of investment.
A policy or plan with a moderate investment profile will generally have low variation in the monthly return on investment.
As an example, below are some funds/indexes/investments that have been used, or are currently in use, for this profile. To obtain more information about the specific composition of each profile, please contact one of our advisors or visit the Customer section of the STL website.

USD

Fund Description	Symbol	Country/Region
IPATH MSCI INDIA INDEX	INP	India
MARKET VECTORS RUSSIA ETF	RSX	Russia
ISHARES S&P LATIN AMERICA 40	ILF	Latin America
ISHARES MSCI EAFE INDEX FUND	EFA	Europe
ISHARES S&P EUROPE 350	IEV	Europe
ISHARES MSCI GERMANY INDEX	EWG	Europe
DIAMONDS TRUST SERIES I	DIA	USA
SPDR TRUST SERIES I	SPY	USA
MIDCAP SPDR TRUST SERIES 1	MDY	USA
ISHARES S&P SMALLCAP 600	IJR	USA
PROSHARES ULTRA MIDCAP 400	MVV	USA
ASHPORT FIXED INCOME FUND-A	ASHFIXA	Global
FRANK TEMP INV FRA INC-N ACC	TEMFIXI	Global
FTF FRANKLIN HIGH YIELD BOND	TEMHYBI	Global
VAL-HOUSE SHORT TERM INTEREST	VALSHTA	Global
FRANK TEMP GLOBAL TOTAL RETURN FUND	TGTRX	USA

Euro

Fund Description	Symbol	Country/Region
SWISS MARKET INDEX	INAVSMI	Switzerland
XACT VINX 30ETF NORDIC INDEX	XACT NORD	Nordic
AMSTERDAM EXCHANGES INDX	IAEX	Holland
S&P/MIB INDEX	IMIB	Italy
IBEX 35 INDEX	IBEX35	Spain
DAX INDEX	EXS1	German
CAC 40 INDEX	CAC40	France
FTSE 100 INDEX	BCYIF	England
EURO STOXX 50	EUE	Europe
ISHARES EURO CORPORATE BOND	IBCXLN	Europe
ISHARES EURO GOVT. BOND	IBGXFP	Europe

Important: Allocation percentages of investment profiles may change at the sole discretion of StateTrust Life. Fund amounts and allocation of investment profiles shown here may vary, increase or decrease at STL's discretion. Past performance does not guarantee future results (capital losses may be possible). Returns are based on net amounts, after expenses have been deducted. Therefore, the return on contributions may be lower than returns shown. Returns from a specific plan may vary based on when payments are made, portfolio composition/specific portfolio, and profile changes made in the past, among other reasons.

Our preset investment profiles are managed by StateTrust Life & Annuities and are re-balanced and/or re-structured at least every two years, to ensure they have adequate distributions.

Available Investment Profiles are:

Customized: This investment profile was created for well-informed investors. They decide the percentages to be invested on the various options in an investment profile. The annual ROI is based on the results of the asset allocation of each investment. Our portfolio options include high, medium and low risk ETFs and mutual funds. You can select several options for your plan currency. Countries and geographies available in US Dollars are China, India, Russia, Latin America, Australasia, Europe, U.S., World, Poland, Sweden, Brazil, Turkey, Singapore, and Australia. Countries and geographies available in Euros are: Switzerland, Netherlands, Italy, Spain, Germany, France, England, and Europe.

Investments in this product are based on profitability share obtained from the stock index the customer has selected and provide a minimum guaranteed return every 24 months.

Available Investment Profiles for Global Dynamic Protection are:

STOCK MARKET INDEX	DESCRIPTION	PERFORMANCE HISTORY
S&P 500	The Standard & Poor's 500 is an index based on the 500 largest companies with common stock in the New York Stock Exchange or NASDAQ.	The S&P500 is considered a leading indicator of the economy. Since 1957, the index has performed remarkably, outperforming other important asset classes, such as bonds and commodities. The appreciation of this index is indicative of the economic growth of the United States of America, in terms of size and character. Historically, its price fluctuations have also reflected the turbulent periods of the North American economy. Source: www.spdji.com. Accessed on September 21, 2018.
Dow Jones Industrial Average	The Dow Jones Industrial Average is a stock index made up of 30 of the most important publicly owned companies in the United States, which have traded during a standard session in the stock market.	It is the second oldest index in the North American market. The industrial average was calculated for the first time on May 26, 1896. Although the Dow is compiled to measure the performance of the industrial sector within the U.S. economy, index performance continues to be influenced not only by corporate and economic reports, but also by foreign political events such as war and terrorism, as well as natural disasters that could result in financial damages. Fuente: www.spdji.com. Consultado el 21 de septiembre de 2018.
Nasdaq Composite	It is a stock index of common shares and similar securities listed on the NASDAQ stock market. Together with the Dow Jones and the S&P 500, the NASDAQ is one of the three most followed indexes in the U.S. stock markets. It is composed primarily of companies in the information technology, electronics, high-tech, telecommunications and biotechnology industries.	The index was launched in 1971 with 50 companies and an initial value of 100. The price of the NASDAQ Composite has represented the behavior of the world economy, at relevant moments such as the first Internet bubble and the mortgage crisis in the United States. Source: www.nasdaq.com. Accessed on September 21, 2018.
Customized Option	This option enables policyholders to combine investment indexes—S&P 500, Dow Jones and NASDAQ.	See reference information about the S&P 500, Dow Jones and NASDAQ.

INVESTMENT PROFILE CHANGES