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Are You Financially Prepared for Retirement?

StateTrust Life and Annuities is a recognized global company and brand in the international life insurance industry. It focuses on life insurance, retirement plans and education funds for individuals, families and companies around the world.

Miami, Florida – April 22, 2014 – Regardless of a person’s age, retirement planning is essential in achieving security and comfort later in life. To arrive at a financially secure retirement, it is necessary to have the advice, tools and products that allow for careful planning of this important life stage.

The main objective of retirement is to have an income that allows for a standard of living similar to or better than the one the person enjoyed while being fully employed. Building up the means for a stable income requires systematic savings over time and a professional investment methodology to fight the stress associated with volatility in the capital markets.

StateTrust Life and Annuities has the experience and technological resources to project its customers’ future needs and to establish the relationship between assets and liabilities to help establish a successful retirement.

Reasons for Retirement

·         Some people want to have more time for relaxation after a lifetime of work.

·         Others use their retirement to spend more time with their families and to take up new activities.

·         There are some who are forced to retire for reasons of health or a dramatic change in their family situation.

·         Many firms establish an age for retirement in order to make way for the next generation.

·         There are labor laws that establish retirement at the age of 65. At that age, public funds become available to the new retirees.

With advances in science and medicine, we are living longer and retiring at a younger age. Therefore, the period of retirement is much longer than ever before.

More and more people approaching retirement want to maintain the standard of living they had during their working years. To achieve the goal of a secure income after retirement, 17% of income before taxes should be saved. Almost 30% of people in the United States are not saving for retirement, and in Latin America, only 20% of the work force is covered by a private or public pension plan. Postponing retirement planning means having to increase the amount you save to catch-up.

Starting a Retirement Plan

·         Retirement is a reality that must be planned. The sooner this is done the more effective the plan will be, and the greater the window of opportunity for an increase in savings and returns.

·         Retirement planning can start at any point before retiring, but it is ideal to begin planning 10 to 15 years before exiting the job market.

·         A longer interval of time means there is a greater possibility of effectively handling unexpected changes such as medical expenses, a big increase in inflation, the loss of a loved one, sharp fluctuations in the market, and natural disasters.

How Retirement Annuities Work

Annuities are an important source of retirement income and complement other retirement benefits. You pay into annuities beforehand, so you can receive a monthly or an annual payment when you retire. Depending on the type of annuity, payment may be guaranteed or variable.

When you buy an annuity, you agree to contribute a specific sum of money to the company that sold you the annuity. In return, the company that issued the annuity will give you a series of payments upon your retirement. In essence, with an annuity agreement, you are lending money to the company that issues the annuity. Those funds will be returned to you later during your retirement, along with the interest or returns generated by the investment instruments.

ABOUT STATETRUST LIFE & ANNUITIES, LTD

StateTrust Life and Annuities, Ltd. is a global company specializing in life insurance, retirement plans and education funds designed for individuals, families and companies around the world. It is a recognized global company and brand in the international life insurance industry.

If you are interested in more information about StateTrust Life and Annuities, Ltd. or for further information about this release, please contact:

StateTrust Group

800 Brickell Avenue, Suite 100

Miami, FL 33131

(305) 921-8100

www.statetrustlife.com

DISCLAIMER: StateTrust Life & Annuities, Ltd. is an independent entity, incorporated under the Laws of the British Virgin Islands and supervised and regulated by the BVI Financial Services Commission. It is not ruled or regulated by any U.S. government or financial agency. The information presented is not intended to provide legal, tax, insurance or investment advice, or to be universal. It is not a substitute for professional advice. It may not be applicable to you and/or your particular situation. Furthermore, this information may not be applicable in all countries. 

Travel Insurance from Statetrust Life

StateTrust Life and Annuities is a recognized global company and brand in the international life insurance industry. It focuses on life insurance, retirement plans and education funds for individuals, families and companies around the world.

Miami, Florida – April 16, 2014 – In StateTrust Life we are implementing a diverse portfolio of travel insurance, to extend the protection of our policyholders when they are traveling abroad, especially if it is for a period of less than 12 months.

These plans have been designed to provide coverage for medical expenses, evacuation, accidental death, visa requirements for travel or trip cancellation. Among them, Passport which is a plan that provides coverage in case of death in an accident during the trip and continuous coverage, 24/7, during the trip, from departure to return. The amount of coverage can be up to US$1 million. This plan also includes a rider for medical emergency evacuation (in the event of an injury) and for the repatriation of remains.

Other related products that StateTrust Life will be offering are:

TravelOne - The plan provides continuous coverage while the insured person is traveling.

MultiTravel - This plan provides coverage for a full year, for any trip made during that year.

LifePassage - This plan is designed for travelers who will be abroad for at least six months. The plan provides comprehensive medical protection, including emergency medical treatment, regular checkups and optionally, the prescription drug coverage.

SafeRescue - This plan offers assistance if you become seriously ill or injured while traveling. The plan will provide medical evacuation to the nearest hospital. This plan also contains a supplement for the repatriation of remains.

Journey - This plan provides coverage for loss of life in a plane crash. The plan provides coverage for domestic or international flights.

SecureTravel - This plan provides medical coverage, medical emergency evacuation, 24 hour emergency assistance and an accidental death benefit.

StudyGuard - This plan provides health insurance for those who plan to study abroad. Provides coverage for hospital visits and prescription drugs.

ABOUT STATETRUST LIFE & ANNUITIES, LTD

StateTrust Life and Annuities, Ltd. is a global company specializing in life insurance, retirement plans and education funds designed for individuals, families and companies around the world. It is a recognized global company and brand in the international life insurance industry.

If you are interested in more information about StateTrust Life and Annuities, Ltd. or for further information about this release, please contact:

StateTrust Group

800 Brickell Avenue, Suite 100

Miami, FL 33131

(305) 921-8100

www.statetrustlife.com

DISCLAIMER: StateTrust Life & Annuities, Ltd. is incorporated under the Laws of the British Virgin Islands and supervised and regulated by the BVI Financial Services Commission. The information presented is not intended to provide legal, tax, insurance or investment advice, or to be universal. It is not a substitute for professional advice. It may not be applicable to you and/or your particular situation. Furthermore, this information may not be applicable in all countries. 

Learn About Life Insurance from StateTrust Life

StateTrust Life and Annuities is a recognized global company and brand in the international life insurance industry. It focuses on life insurance, retirement plans and education funds for individuals, families and companies around the world.

Miami, Florida – April 8, 2014 – The purpose of life insurance is to guarantee, at the time of the insured’s death, the specific amount of funds to be paid to each beneficiary. A StateTrust Life Insurance Plan protects a family’s wealth, while serving as income substitute to offset financial losses due to the death of the insured party.

It is an effective tool for people that need to provide protection to minors and elders, for estate transfers and succession planning, cash accrual and cash availability to pay state and succession taxes.

Some of the benefits that owning life insurance provides, include, family protection, guaranteed fixed amount, generation of savings and diversified investments in the world’s top markets.

Who can be a life insurance policy owner?

·         The insured party usually owns the life insurance policy.

·         Ownership may be in the hands of a third party, if the insured does not wish to include a policy in the total value of their estate.

·         Beneficiaries or a Trust may also be policy owners.

StateTrust Life provides two types of life Insurance policies,  Universal Life which is Life insurance with a savings plan that allows you to enjoy partial amounts of the surrender value during the life of the policy; and Temporary Life, which provides Lifelong protection, as long as the policy’s established premiums are paid.

Comparison of Life Insurance Policies

ABOUT STATETRUST LIFE & ANNUITIES, LTD

StateTrust Life and Annuities is a global company specializing in life insurance, retirement plans and education funds. It has a global network of financial consultants operating in four continents and is highly experienced in underwriting risks in dozens of countries and working with recognized reinsurers of the highest ratings.  Its products are designed to provide protection and coverage in multiple currencies, while offering financial planning solutions to meet individual and family life insurance, retirement, and education needs.

If you are interested in more information about StateTrust Life and Annuities, Ltd. or for further information about this press release, please contact:

StateTrust Group

800 Brickell Avenue, Suite 100

Miami, FL 33131

(305) 921-8100

www.statetrustlife.com

DISCLAIMER: StateTrust Life & Annuities, Ltd. is incorporated under the Laws of the British Virgin Islands and supervised and regulated by the BVI Financial Services Commission. The information presented is not intended to provide legal, tax, insurance or investment advice, or to be universal. It is not a substitute for professional advice. It may not be applicable to you and/or your particular situation. Furthermore, this information may not be applicable in all countries.