{"id":789,"date":"2021-01-20T00:00:00","date_gmt":"2021-01-19T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/20\/le-beneficiaire-dune-assurance-vie\/"},"modified":"2021-12-13T17:30:21","modified_gmt":"2021-12-13T15:30:21","slug":"le-beneficiaire-dune-assurance-vie","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-beneficiaire-dune-assurance-vie\/","title":{"rendered":"Le b\u00e9n\u00e9ficiaire d'une assurance vie"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Que vous souhaitiez d\u00e9signer un b\u00e9n\u00e9ficiaire d'assurance-vie ou que vous pensiez \u00eatre vous-m\u00eame b\u00e9n\u00e9ficiaire d'une assurance-vie, vous devez conna\u00eetre les d\u00e9marches.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00e9signer un b\u00e9n\u00e9ficiaire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il n'est pas obligatoire de d\u00e9signer un b\u00e9n\u00e9ficiaire d'assurance vie : dans ce cas, le b\u00e9n\u00e9ficiaire est :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le souscripteur en cas de vie,<\/li><li>ses h\u00e9ritiers en cas de d\u00e9c\u00e8s.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il est recommand\u00e9 de d\u00e9signer un b\u00e9n\u00e9ficiaire d'assurance vie si vous souhaitez transmettre un capital sans imposition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez d\u00e9signer librement le (ou les) b\u00e9n\u00e9ficiaire(s) de votre choix :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>par son nom (exemple : \"Mme Fran\u00e7oise Durand, n\u00e9e le ...\") ;<\/li><li>de fa\u00e7on impersonnelle (exemple : \"mon conjoint, \u00e0 d\u00e9faut mes enfants n\u00e9s ou \u00e0 na\u00eetre, \u00e0 d\u00e9faut mes h\u00e9ritiers\", etc.).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il est important d'\u00eatre le plus clair possible, chaque mot et chaque virgule comptent. Si vous utilisez des formulations toutes pr\u00eates, demandez \u00e0 ce qu'on vous les explique. Pour prot\u00e9ger sa famille, la clause la plus courante est : \" Mon conjoint, \u00e0 d\u00e9faut mes enfants n\u00e9s ou \u00e0 na\u00eetre, vivants ou repr\u00e9sent\u00e9s, \u00e0 d\u00e9faut mes h\u00e9ritiers.\"<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous n'\u00eates pas tenu d'informer le b\u00e9n\u00e9ficiaire. Vous gardez la possibilit\u00e9 de changer de b\u00e9n\u00e9ficiaire, sauf s'il a accept\u00e9 le contrat car alors sa d\u00e9signation est irr\u00e9vocable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Les obligations de l'assureur envers le souscripteur<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le contrat indique les possibilit\u00e9s de d\u00e9signer un b\u00e9n\u00e9ficiaire d'une assurance vie :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le contrat indique les possibilit\u00e9s de d\u00e9signer un <strong>b\u00e9n\u00e9ficiaire d<\/strong><strong>'<\/strong><strong>une assurance vie<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>sur le contrat, par lettre, par acte sous seing priv\u00e9 ou authentique,<\/li><li>avec ou sans ses coordonn\u00e9es pr\u00e9cises,<\/li><li>avec la possibilit\u00e9 de modifier la \"<strong>clause b\u00e9n\u00e9ficiaire<\/strong>\" \u00e0 tout moment. Pensez \u00e0 v\u00e9rifier la clause et \u00e0 la modifier si besoin par exemple en cas de naissance, de remariage...<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><br>R\u00e9clamer le b\u00e9n\u00e9fice d'une assurance vie<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez connaissance du contrat d'assurance vie \u00e0 votre b\u00e9n\u00e9fice, vous pouvez contacter directement l'assureur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous pensez \u00eatre \u00e9ventuellement b\u00e9n\u00e9ficiaire d'une assurance vie d'une personne d\u00e9c\u00e9d\u00e9e depuis moins de 10 ans, vous pouvez, en joignant un acte de d\u00e9c\u00e8s, adresser une demande de renseignements par lettre recommand\u00e9e avec accus\u00e9 r\u00e9ception \u00e0 un organisme appel\u00e9 AGIRA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici ses coordonn\u00e9es :<br>AGIRA Recherche des b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s<br>1 rue Jules Lefebvre<br>75 431 Paris cedex 09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans les 15 jours qui suivent, AGIRA transmet la demande aux diff\u00e9rentes entreprises d'assurances et institutions de pr\u00e9voyance. Dans le cas o\u00f9 vous \u00eates effectivement b\u00e9n\u00e9ficiaire, la soci\u00e9t\u00e9 d'assurance a un mois \u00e0 r\u00e9ception du dossier complet pour vous informer de l'existence d'un capital ou d'une rente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Les obligations de l'assureur envers le b\u00e9n\u00e9ficiaire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En principe, c'est au souscripteur de prendre les pr\u00e9cautions pour qu'\u00e0 son d\u00e9c\u00e8s le b\u00e9n\u00e9ficiaire soit inform\u00e9 (testament, notaire\u2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, pour \u00e9viter les contrats non r\u00e9clam\u00e9s, l'assureur doit l\u00e9galement faire en sorte de retrouver le b\u00e9n\u00e9ficiaire, m\u00eame en l'absence de mention de ses coordonn\u00e9es dans le contrat, pour l'aviser de la stipulation effectu\u00e9e \u00e0 son profit. Il peut consulter le r\u00e9pertoire national d'identification des personnes physiques (RNIPP - registre d\u00e9c\u00e8s de l'Insee) pour v\u00e9rifier que l'assur\u00e9 et ses \u00e9ventuels b\u00e9n\u00e9ficiaires sont toujours en vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le capital lui est alors vers\u00e9 dans le d\u00e9lai maximum d'1 mois apr\u00e8s r\u00e9ception des pi\u00e8ces n\u00e9cessaires au paiement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les assureurs publient \u00e9galement chaque ann\u00e9e un bilan relatif au nombre et \u00e0 l'encours des contrats dont les capitaux ou rentes n'ont pas \u00e9t\u00e9 vers\u00e9s au(x) b\u00e9n\u00e9ficiaire(s).<\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span 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class=\"card__category\">L&#039;assurance vie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Assurance vie : la fiscalit\u00e9 applicable en cas de d\u00e9c\u00e8s<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:361,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-vie-fiscalite-rachat\/&quot;,&quot;title&quot;:&quot;Fiscalit\u00e9 de l\\u0027assurance vie en cas de 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D\u00e9signer un b\u00e9n\u00e9ficiaire Il n'est pas obligatoire de d\u00e9signer un b\u00e9n\u00e9ficiaire d'assurance vie : dans ce cas, le b\u00e9n\u00e9ficiaire est : le souscripteur en cas de vie, ses h\u00e9ritiers en cas de d\u00e9c\u00e8s. Il [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":4,"views":11873,"viewed_at":"1778495135","newsletter":"0","_yoast_wpseo_primary_category":138,"footnotes":""},"categories":[138,92,276],"tags":[],"class_list":["post-789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lassurance-vie","category-les-placements","category-mon-epargne"],"yoast_head":"<title>Le b\u00e9n\u00e9ficiaire d&#039;une assurance vie - L&#039;assurance vie - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Que vous souhaitiez d\u00e9signer un b\u00e9n\u00e9ficiaire d&#039;assurance-vie ou que vous pensiez \u00eatre vous-m\u00eame b\u00e9n\u00e9ficiaire d&#039;une assurance-vie, vous devez conna\u00eetre les d\u00e9marches.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-beneficiaire-dune-assurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le b\u00e9n\u00e9ficiaire d&#039;une assurance vie - 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