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STM Life
History of STM Life
STM Life was established in 2008 as a life insurance company, and part of STM Group Plc. STM Life is licensed to write Class I (life and annuity), Class III (linked long-term assurance business) and Class VI (capital redemption) products.
STM Life was primarily established to provide a potential alternative to other wealth wrappers, utilised by high-net-worth individuals and designed to hold a wide range of permitted assets. STM Life is based in Gibraltar and pre-Brexit benefited from the freedom to provide its financial products within the EU and was able to passport its services into a number of Member States.
Working with financial advisers
STM Life is a non-advisory business. This means that we don’t provide any form of advice and therefore all of our products are distributed via financial advisers. Our products are not available to be purchased directly by customers.
We have many long-term relationships with large financial adviser firms who remain strong advocates for our products and high levels of customer service.
Unique advantage
STM Life in Gibraltar
Gibraltar, a British overseas territory, affectionately known as the Rock by its residents, is located at the southern tip of the Iberian Peninsula of mainland Europe and is the home of STM Life.
A protected cell company
STM Life is structured as a protected cell company (‘PCC’) which offers additional benefits to clients by creating legally recognised ‘cells’ within the company in order to segregate and protect each policyholder’s assets.
Gibraltar Financial Services Commission (‘GFSC’)
The GFSC is the regulatory authority for all financial services providers operating in and from Gibraltar, this includes STM Life. The GFSC has received a series of ringing endorsements from international regulatory bodies enabling Gibraltar to fulfil all international and EU-wide directives with regards to financial services.
Why Gibraltar?
It is a self-governing well-regulated financial centre with robust regulatory standards. The GFSC is the local supervisory body responsible for monitoring the financial services industry.
The GFSC continues to provide support and regularly collaborates with the industry as well as closely mirroring the regulatory regime in the UK. The Financial Action Task Force, the global anti-money laundering watchdog, also recognises Gibraltar as a responsible and transparent financial centre, dedicated to upholding the highest standards of compliance with its international obligations.
STM Life product solutions
Portfolio Bond solutions
STM Life have a range of international portfolio bond products which were made available to UK and EU policyholders.
These products were designed to provide advisers and their clients with a wide range of tax-efficient investment options with the potential for growth, over the medium to long term. The previously available bond products differed from each other in terms of the diverse range of assets that could be invested in and therefore suited a variety of retail investors.
We no longer offer any Portfolio Bond products to new customers. If you are an existing customer then you can contact our Customer Services team with any questions you have, using the contact details below.
Flexible Annuity solutions
STM Life provided a range of flexible annuity solutions, including the International Lifestyle Annuity.
These products were suitable for policyholders who wished to have control over the investments in their pension fund, who wished to provide an income to a spouse/partner on their death, and who required a higher flexible level of income compared to traditional annuities. Policyholders could invest an amount of money directly or from funds available within their QROPS products.
If you are an existing customer then you can contact our Customer Services team with any questions you have, using the contact details below.
Downloads
Contact information
If you would like to get in touch to discuss an existing policy, then please contact our Customer Services Team on:
00350 200 42686
STM Life Assurance PCC Plc
3 rd Floor, 55 Line Wall Road
Gibraltar GX11 1AA
Our UK opening hours are 8am to 4pm, Monday to Friday, excluding bank holidays.
