LIFE ASSURANCE SOLUTIONS
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STM Life Assurance PCC Plc (STM Life) is a Gibraltar based life insurance company operating out of Gibraltar’s highly regulated and long-established financial centre. Established in 2008, STM Life offers a broad range of product solutions with a specific focus on:
Asset and Investor Protection
Tax Optimisation
Privacy
Inheritance Tax Planning
Flexibility and Transparency
As a Protected Cell Company (PCC) working within a highly respected and regulated jurisdiction, STM Life affords the highest level of policyholder protection due to ring-fenced individual client accounts held by a regulated custodian.
As STM Life is established as a Protected Cell Company, it is subject to the provisions of Gibraltar’s Protected Cell Companies Act 2001. This means that STM Life may create legally recognised “cells” within the company in order to segregate and protect each policyholder’s assets, hence providing a maximum degree of policyholder protection.
STM Life is licensed under Gibraltar’s Insurance Companies legislation which incorporates the provisions of the EU’s Third Life Insurance Directive. STM Life meets the capital and solvency rules laid down by the directive. The Company is subject to continuous regulation by the Gibraltar Financial Services Commission.
STM LIFE’S INSURANCE SOLUTIONS PROVIDE CLIENTS WITH A NUMBER OF SIGNIFICANT ADVANTAGES IN THE AREA OF ASSET PROTECTION AND LOCAL TAX AND ESTATE PLANNING TO ENSURE THE OPTIMAL STRUCTURING AND MANAGEMENT OF THEIR WEALTH.
LIFE INSURANCE SOLUTIONS
STM Life offers a broad range of product solutions with a specific focus on asset and investor protection, privacy and tax optimisation.
POLICY PROTECTION
As a Cell Company (PCC) working within a highly respected and regulated jurisdiction, STM Life affords the highest level of policyholder protection.
BASED IN GIBRALTAR
STM Life is a Gibraltar based life insurance company operating out of Gibraltar's highly regulated financial centre.
In most jurisdictions an offshore bond is viewed as a non-income producing asset and investments can generally be traded without incurring immediate tax liabilities, other than a small amount of withholding tax deducted at source. This allows you to benefit from tax deferral as taxation charges will not arise until certain withdrawals are taken from the bond or the bond is surrendered.
STM Life offers clients a broad range of tax-efficient bonds giving investors more control over when they pay tax. As such, a Bond from STM Life is ideally suited for clients looking to grow their investment capital or for those looking to take an income.
PRODUCT INFORMATION FOR FINANCIAL ADVISERS
