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
- 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.