Asset and
   Investor Protection

STM LIFE

An innovative and independent wealth planning solution provider offering bespoke products for Affluent and High Net Worth clients within the European Union and Internationally.
    Inheritance
        Tax Planning

STM LIFE

An innovative and independent wealth planning solution provider offering bespoke products for Affluent and High Net Worth clients within the European Union and Internationally.

  Tax Optimisation

STM LIFE

An innovative and independent wealth planning solution provider offering bespoke products for Affluent and High Net Worth clients within the European Union and Internationally.
                    Privacy

STM LIFE

An innovative and independent wealth planning solution provider offering bespoke products for Affluent and High Net Worth clients within the European Union and Internationally.
    Flexibility and
        Transparency

STM LIFE

An innovative and independent wealth planning solution provider offering bespoke products for Affluent and High Net Worth clients within the European Union and Internationally.
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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.

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Policy
Protection

As a protected Cell Company (PCC) working within a highly respected and regulated EU jurisdiction, STM Life affords the highest level of policyholder protection.

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STM Life part of
STM GROUP

STM Life Assurance PCC PLC is a European based life insurance company operating out of Gibraltar's highly regulated financial centre.

 

STM Life is an innovative and independent wealth planning solutions provider offering bespoke product solutions for Affluent and High Net Worth clients within the EU and internationally.

STM Life Assurance PCC Plc (STM Life) is a European based life insurance company operating out of Gibraltar’s highly regulated and long-established financial centre. Established in 2008 and part of STM Group Plc (a company listed on the Alternative Investment Market of the London Stock Exchange), 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 EU jurisdiction, STM Life affords the highest level of policyholder protection due to ring fenced individual client accounts held by a regulated EEA custodian.

STM Life’s bespoke product 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.

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 in the event of STM Life not being able to fulfil its obligations.

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.