{"id":1918,"date":"2014-06-02T14:58:45","date_gmt":"2014-06-02T12:58:45","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/assurance-vie-protection-inchangee-pour-les-successions"},"modified":"2014-06-02T15:00:15","modified_gmt":"2014-06-02T15:00:15","slug":"assurance-vie-protection-inchangee-pour-les-successions","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/assurance-vie-protection-inchangee-pour-les-successions","title":{"rendered":"Assurance vie : protection inchang\u00e9e pour les successions"},"content":{"rendered":"\n

L’assurance vie est en dehors de la succession et le restera. C’est ce que r\u00e9affirme le minist\u00e8re de la Justice le 27 mai 2014, en r\u00e9ponse \u00e0 la requ\u00eate du d\u00e9put\u00e9 du Puy-de-D\u00f4me Jean-Paul Bacquet (PS) qui demandait \u00e0 \u00ab faire rapporter civilement \u00e0 la masse successorale les capitaux re\u00e7us par le ou les b\u00e9n\u00e9ficiaires d’une assurance vie pour une \u00e9ventuelle r\u00e9duction et donc d’envisager la suppression de l’article L 132-13 du code des assurances<\/em> \u00bb.<\/p>\n

<\/span>Assurance vie en dehors des r\u00e8gles de succession<\/span><\/h2>\n

Plus pr\u00e9cis\u00e9ment, l’\u00e9lu pointait le manque de protection envers les h\u00e9ritiers r\u00e9servataires lorsque le d\u00e9funt a souscrit une assurance vie et que le b\u00e9n\u00e9ficiaire n’est pas un h\u00e9ritier direct. Pour rappel, les h\u00e9ritiers r\u00e9servataires <\/a>sont les personnes qui re\u00e7oivent obligatoirement une partie de la succession, appel\u00e9e r\u00e9serve de la succession. Ce sont principalement les enfants, petits-enfants ou encore parents du d\u00e9funt.<\/p>\n

\u00ab La quotit\u00e9 disponible, cet espace de libre disposition <\/a>s’\u00e9largit en raison d’un usage croissant de l’assurance vie qui dispense le b\u00e9n\u00e9ficiaire de rapporter ce dont il b\u00e9n\u00e9ficie \u00e0 la [succession], privant ainsi les h\u00e9ritiers r\u00e9servataires exclus du b\u00e9n\u00e9fice de l’assurance [vie] de leur part de r\u00e9serve<\/em> \u00bb, a soulev\u00e9 Jean-Paul Bacquet. Avant de conclure que \u00ab la r\u00e9serve des h\u00e9ritiers est de fait mise \u00e0 mal par l’assurance vie<\/em> \u00bb. L’article L 132-13 du code des assurances ici point\u00e9 du doigt par le d\u00e9put\u00e9 du Puy-de-D\u00f4me pr\u00e9voit que le capital d’un contrat d’assurance vie ou les primes vers\u00e9es au d\u00e9c\u00e8s ne soient pas soumis aux r\u00e8gles de la succession ni \u00e0 celles de la r\u00e9duction pour atteinte \u00e0 la r\u00e9serve des h\u00e9ritiers du contractant. Une exception \u00e0 cette r\u00e8gle est pr\u00e9vue lorsque le montant de ces primes a \u00e9t\u00e9 manifestement exag\u00e9r\u00e9.<\/p>\n

<\/span>Des recours existent pour faire valoir ses droits<\/span><\/h2>\n

Ainsi, l’assurance vie n’est pas prise en compte lors du calcul de la quotit\u00e9 disponible et de la r\u00e9serve h\u00e9r\u00e9ditaire car le b\u00e9n\u00e9ficiaire acquiert son capital directement aupr\u00e8s de l’assureur. Ce qui signifie qu’eu \u00e9gard \u00e0 la loi, la souscription d’une assurance vie peut exempter le contractant de ses devoirs<\/strong> envers ses h\u00e9ritiers r\u00e9servataires. Autrement dit, utiliser l’assurance vie pour d\u00e9sh\u00e9riter en partie ses enfants <\/a>demeure techniquement possible<\/strong>.<\/p>\n

Et pourtant, les services de la Garde des Sceaux ont jug\u00e9 qu’\u00ab il ne para\u00eet pas n\u00e9cessaire de proc\u00e9der \u00e0 une modification du droit en la mati\u00e8re, les m\u00e9canismes propos\u00e9s par la loi permettant d\u00e9j\u00e0 d’assurer aux h\u00e9ritiers une protection suffisante de leurs droits<\/em> \u00bb. Le minist\u00e8re rappelle ainsi que si un h\u00e9r\u00e9ditaire r\u00e9servataire s’estime l\u00e9s\u00e9 dans ses droits, il dispose de deux recours pour inclure l’assurance vie dans le calcul des droits de succession. \u00ab Il peut faire valoir le caract\u00e8re manifestement excessif des primes et aussi soutenir le cas \u00e9ch\u00e9ant que l’assurance vie ne pr\u00e9sente aucun caract\u00e8re al\u00e9atoire mais r\u00e9v\u00e8le au contraire une volont\u00e9 de d\u00e9pouillement en faveur du b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9, constitutive d’une donation indirecte<\/em> \u00bb. Le renforcement des droits des h\u00e9ritiers r\u00e9servataires n’est donc pas \u00e0 l’ordre du jour.<\/p>\n

 <\/p>\n

A lire \u00e9galement :<\/strong>
Assurance vie : ce qui va changer pour les successions en 2014
La succession des h\u00e9ritages inf\u00e9rieurs \u00e0 5.300 euros facilit\u00e9e<\/p>\n","protected":false},"excerpt":{"rendered":"

En cas de succession, les h\u00e9ritiers r\u00e9servataires (directs) ne sont pas l\u00e9s\u00e9s par l’exception dont b\u00e9n\u00e9ficie l’assurance vie, d’apr\u00e8s la ministre de la Justice. Mais s’ils estiment que leurs droits ont \u00e9t\u00e9 bafou\u00e9s, plusieurs recours existent. \u00a0 \u00a0 .<\/p>\n","protected":false},"author":13712,"featured_media":1917,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[],"class_list":["post-1918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transmission"],"acf":[],"yoast_head":"\nAssurance vie : protection inchang\u00e9e pour les successions<\/title>\n<meta name=\"description\" content=\"En cas de succession, les h\u00e9ritiers r\u00e9servataires ne sont pas l\u00e9s\u00e9s par l'exception dont b\u00e9n\u00e9ficie l'assurance vie. 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