Question to an expert
How do I know if I am the beneficiary of a life insurance contract?
On the death of the holder of a life insurance contract, the capital owed by the company is paid directly to the beneficiary (ies) designated in this contract, without going through the “inheritance” box. Because life insurance is “non-inheritance”: the subscriber is free to choose who will receive the sums, heirs or not.
To find out if you are the beneficiary of a contract, you can contact, by mail or in line, the Association for the management of information on insurance risk (Agira), including, in particular, the death certificate. (You can also, through the notary in charge of the succession, query the Ficovie file.)
Agira has fifteen days to send your request to market insurers, who will have to find out if the deceased had taken out a contract with them, and if you were a beneficiary; if this is the case, the company concerned has one month to inform you of the existence of the capital.
Once the beneficiary has been identified, the company has fifteen days to ask you for the documents useful for the payment of the capital, which will then have to take place within a month, at the risk, otherwise, of having to bear an automatic rate of remuneration of 6.24% for two months, then 9.36% for each additional month of delay. This additional gain is not subject to any taxation. From there to congratulate the passive, even recalcitrant, companies, there is only one step …
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