Updated 18 January 2021
Policyholders who are resident in, or are considering relocating to a country within the EU/EEA may be affected by the outcome of Brexit negotiations and are advised to contact STM Life for further information. The list of countries in the EU/EEA can be found at gov.uk/eu-eea.
STM Life’s Policyholders who are resident in Italy should note that Italy have introduced transitional legislation which allows STM Life to continue to service existing polices, but those policyholders should note that this does not include the acceptance of any further premiums into the policy.
Policyholders should refer to their policy documentation for details of their policy terms and can contact firstname.lastname@example.org with any enquiries.
For more information on Brexit generally please visit Brexit website.
Asset and Investor Protection
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 offers a broad range of product solutions with a specific focus on asset and investor protection, privacy and tax optimisation.
As a Cell Company (PCC) working within a highly respected and regulated jurisdiction, STM Life affords the highest level of policyholder protection.
STM Life is a Gibraltar based life insurance company operating out of Gibraltar's highly regulated financial centre.