Depending on the country of residence, on which parts of the policy should a wealth transfer strategy be based?

Tax & Wealth Planning Department

- Bâloise Vie International

	France	Luxembourg	United Kingdom	Belgium	Germany	Portugal
Disposition of the policy in a will			x
Assignment of the rights under the policy and change of policyholer		X	X Gift of part of the policy, or of the policy itself, is possible	X	X	X
Assignment of the contractual position						X
Assignment during his lifetime or post-mortem assignment		X		X		X
Nomination of beneficiaries in the beneficiary clause of the policy	X	X	X Implementation of a beneficiary clause in the case of a policy drawn up under civil law^[2]	X	X	X
Great flexibility in the drafting of the beneficiary clause.	X Dismembered beneficiary clause Beneficiary clause with options Beneficiary clause with charges …	X	X^[2]	X Dismembered beneficiary clause	X	X
Possible joint subscription	X	X	X	X	X	X
Possible dismembered subscription	X	X		X	X
Possible nomination of several insured persons, and settlement on the death of the last insured, in order to delay transfer	2 insured persons maximum^[1]	2 insured persons maximum^[1]	6 insured persons maximum^[3]	2 insured persons maximum	2 insured persons maximum	2 insured persons maximum

^[1] If the matrimonial regime of the co-subscribers so permits
^[2] For a person living in the UK who is not a British national (e.g. a French national who is Non Deemed Domiciled in the UK), the ability to choose the law of their nationality
^[3]If the policy is drawn up under UK law, the insured persons must represent an insurable interest for the policyholder (i.e. he himself or, in principle, his spouse)