{"id":362,"date":"2025-12-10T15:34:47","date_gmt":"2025-12-10T15:34:47","guid":{"rendered":"https:\/\/vgtrustee.ch\/guida-al-trust\/trust-and-policy-comparison\/"},"modified":"2026-02-16T08:53:24","modified_gmt":"2026-02-16T08:53:24","slug":"trust-and-policy-comparison","status":"publish","type":"guida-al-trust","link":"https:\/\/vgtrustee.ch\/en\/guida-al-trust\/trust-and-policy-comparison\/","title":{"rendered":"Trust and policy comparison"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"362\" class=\"elementor elementor-362 elementor-168\" data-elementor-post-type=\"guida-al-trust\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c7f8d8 e-con-full e-flex e-con e-parent\" data-id=\"1c7f8d8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1fac5d elementor-absolute elementor-widget elementor-widget-image\" data-id=\"a1fac5d\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"240\" height=\"240\" src=\"https:\/\/vgtrustee.ch\/wp-content\/uploads\/2025\/12\/Traingle_red_Veco_Group.webp\" class=\"attachment-large size-large wp-image-310\" alt=\"\" srcset=\"https:\/\/vgtrustee.ch\/wp-content\/uploads\/2025\/12\/Traingle_red_Veco_Group.webp 240w, https:\/\/vgtrustee.ch\/wp-content\/uploads\/2025\/12\/Traingle_red_Veco_Group-150x150.webp 150w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4c73eb e-con-full e-flex e-con e-parent\" data-id=\"c4c73eb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6002073 e-con-full e-flex e-con e-child\" data-id=\"6002073\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2121650 e-con-full e-flex e-con e-child\" data-id=\"2121650\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-254a26c menusidebar elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"254a26c\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-254a26c\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-232\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/il-trust\/\" class=\"elementor-item\">The Trust<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-231\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/tipologie-di-trust\/\" class=\"elementor-item\">Types of trusts<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-230\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/il-trustee-svizzero\/\" class=\"elementor-item\">The Swiss Trustee<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-229\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/fiscalita-del-trust-in-svizzera\/\" class=\"elementor-item\">Trust taxation in Switzerland<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-228\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/trust-e-polizza-a-confronto\/\" class=\"elementor-item\">Trust and policy comparison<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-227\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/fondazione-filantropica-e-il-trust\/\" class=\"elementor-item\">Philanthropic foundation and the Trust<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-226\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/dieci-domande-sul-trust\/\" class=\"elementor-item\">Ten questions about the Trust<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-254a26c\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-232\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/il-trust\/\" class=\"elementor-item\" tabindex=\"-1\">The Trust<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-231\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/tipologie-di-trust\/\" class=\"elementor-item\" tabindex=\"-1\">Types of trusts<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-230\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/il-trustee-svizzero\/\" class=\"elementor-item\" tabindex=\"-1\">The Swiss Trustee<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-229\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/fiscalita-del-trust-in-svizzera\/\" class=\"elementor-item\" tabindex=\"-1\">Trust taxation in Switzerland<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-228\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/trust-e-polizza-a-confronto\/\" class=\"elementor-item\" tabindex=\"-1\">Trust and policy comparison<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-227\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/fondazione-filantropica-e-il-trust\/\" class=\"elementor-item\" tabindex=\"-1\">Philanthropic foundation and the Trust<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-guida-al-trust menu-item-226\"><a href=\"https:\/\/vgtrustee.ch\/guida-al-trust\/dieci-domande-sul-trust\/\" class=\"elementor-item\" tabindex=\"-1\">Ten questions about the Trust<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-266a504 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"266a504\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb390d9 elementor-widget elementor-widget-heading\" data-id=\"cb390d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Interested in personalized advice?<br>Get in touch!<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1d7321 cnform elementor-widget elementor-widget-shortcode\" data-id=\"e1d7321\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f414-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"414\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/guida-al-trust\/362#wpcf7-f414-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"414\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f414-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label>First name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label><br \/>\n<label> Last name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-surname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"surname\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-surname\" \/><\/span> <\/label><br \/>\n<label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label><br \/>\n<label> Message<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"100\" rows=\"7\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a8e9ec e-con-full e-flex e-con e-child\" data-id=\"4a8e9ec\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae2b1e0 elementor-widget elementor-widget-heading\" data-id=\"ae2b1e0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trust and policy comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82b36ec elementor-widget elementor-widget-text-editor\" data-id=\"82b36ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The life insurance policy and the trust are among the most used instruments for asset planning, generational transfer, and asset protection. Each one has its specific characteristics, advantages, and limits.<\/p><p>In life insurance policies, the insurer paying the amount to the beneficiaries is dependent upon the occurrence of an uncertain and future event (related to the insured party&#8217;s human life i.e., the &#8220;demographic risk&#8221;). When this event occurs, the insurer is required to pay the beneficiary the indemnity set forth in the insurance contract (with not possibility of postponing it to a later date). <br>The life insurance policy and the trust are among the most used instruments for asset planning, generational transfer, and asset protection. Each one has its specific characteristics, advantages, and limits. <\/p><p><br><strong>Combined use<\/strong><br>In view of the characteristics of each of these two instruments (life insurance policy and trust), it should be noted that, in fact, they can be used in combination to make the most of their potential for efficient estate and succession planning.<\/p><p>Considering, for example, that using a trust would guarantee greater discretion over the allocation of assets (which would avoid an immediate devolution that could lead to the dispersion of the assets), a person might consider taking out a life insurance policy with the beneficiary being a trust (which could have already designated beneficiaries or could pursue specific purposes).<br>So, when the insured event occurs, the sum will be transferred directly to the trust and will increase the trust fund, pending future allocation of the assets to the trust&#8217;s beneficiaries.<\/p><p>In this way, it is possible to defer the attribution of those sums of money to the beneficiaries, especially when there are specific requirements (for example, when the beneficiary is a minor or when a beneficiary is not able to provide for prudent management of their assets) that require periodic attributions mediated by the trust rather than attributions in a single solution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-569adaf e-con-full e-flex e-con e-child\" data-id=\"569adaf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b702b1 elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"5b702b1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"28\" height=\"14\" src=\"https:\/\/vgtrustee.ch\/wp-content\/uploads\/2025\/12\/Link_Arrow_black-1.webp\" class=\"attachment-large size-large wp-image-328\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a66af95 elementor-widget elementor-widget-heading\" data-id=\"a66af95\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/vgtrustee.ch\/en\/guida-al-trust\/philanthropic-foundation-and-the-trust\/\">Philanthropic foundation and the Trust<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":0,"template":"","class_list":["post-362","guida-al-trust","type-guida-al-trust","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/vgtrustee.ch\/en\/wp-json\/wp\/v2\/guida-al-trust\/362","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vgtrustee.ch\/en\/wp-json\/wp\/v2\/guida-al-trust"}],"about":[{"href":"https:\/\/vgtrustee.ch\/en\/wp-json\/wp\/v2\/types\/guida-al-trust"}],"version-history":[{"count":4,"href":"https:\/\/vgtrustee.ch\/en\/wp-json\/wp\/v2\/guida-al-trust\/362\/revisions"}],"predecessor-version":[{"id":439,"href":"https:\/\/vgtrustee.ch\/en\/wp-json\/wp\/v2\/guida-al-trust\/362\/revisions\/439"}],"wp:attachment":[{"href":"https:\/\/vgtrustee.ch\/en\/wp-json\/wp\/v2\/media?parent=362"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}