{"id":1963,"date":"2015-06-30T15:21:26","date_gmt":"2015-06-30T13:21:26","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie"},"modified":"2021-12-08T11:18:53","modified_gmt":"2021-12-08T10:18:53","slug":"succession-diminuer-les-droits-grace-a-l-assurance-vie","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie","title":{"rendered":"Succession : diminuer les droits gr\u00e2ce \u00e0 l\u2019assurance vie"},"content":{"rendered":"<section class=\"l-section wpb_row height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Pour \u00e9chapper aux <a href=\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/bareme-des-droits-de-succession\" target=\"_blank\" rel=\"noopener noreferrer\">droits de succession<\/a>, rien de mieux que de souscrire un contrat d&rsquo;assurance vie. A la cl\u00e9, une fiscalit\u00e9 de faveur pour les b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s au contrat et un patrimoine en grande partie pr\u00e9serv\u00e9 de la fiscalit\u00e9. Une strat\u00e9gie qui pr\u00e9sente l&rsquo;avantage de ne pas rogner sur les <a href=\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/abattements-sur-les-successions\" target=\"_blank\" rel=\"noopener noreferrer\">abattements pr\u00e9vus notamment pour les successions en ligne directe<\/a> (entre parents et enfants), \u00e0 raison de 100.000 euros de patrimoine d\u00e9tax\u00e9 par part.<\/p>\n<p>Attention toutefois, d\u00e9tenir un contrat d&rsquo;assurance vie ne constitue pas la garantie que votre patrimoine sera exempt de taxation. En effet, <strong>le r\u00e9gime fiscal de votre contrat varie en fonction de sa date de souscription ainsi que de votre \u00e2ge<\/strong> au moment du versement des primes.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_vieux_contrats_exoneres\"><\/span>Les vieux contrats exon\u00e9r\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Si vous d\u00e9tenez votre contrat d&rsquo;assurance vie depuis longtemps, plus pr\u00e9cis\u00e9ment avant le 20 novembre 1991, pas de panique. Lorsque les primes ont \u00e9t\u00e9 vers\u00e9es avant le 13 octobre 1998, les avoirs pr\u00e9sents dans votre contrat sont totalement exon\u00e9r\u00e9s de droit. Pour les versements ult\u00e9rieurs, un abattement de 152.500 euros profite \u00e0 chaque b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9. Un pr\u00e9l\u00e8vement de 20% s&rsquo;applique ensuite jusqu&rsquo;\u00e0 700.000 euros taxables, le taux taxation se montant \u00e0 31,25% au-del\u00e0 de ce montant.<\/p>\n<p>Pour les contrats ouverts apr\u00e8s le 20 novembre 1991, le r\u00e9gime fiscal diff\u00e8re. Les primes vers\u00e9es avant le 13 octobre 1998 restent <strong>exon\u00e9r\u00e9es de taxation lorsque le souscripteur a effectu\u00e9 les versements avant ses 70 ans<\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Effectuer_ses_versements_avant_70_ans\"><\/span>Effectuer ses versements avant 70 ans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mais si le souscripteur avait d\u00e9pass\u00e9 cet \u00e2ge limite au moment du versement, les droits de succession s&rsquo;appliquent sur le contrat, apr\u00e8s une <strong>franchise globale de 30.500 euros<\/strong>, \u00e0 r\u00e9partir entre l&rsquo;ensemble des b\u00e9n\u00e9ficiaires.<\/p>\n<p>Vous venez de souscrire un contrat d&rsquo;assurance vie ? Attention, la fiscalit\u00e9 successorale pour les versements effectu\u00e9s apr\u00e8s le 13 octobre 1998 peut sensiblement varier selon votre \u00e2ge.<em> \u00ab Pour les versements effectu\u00e9s avant 70 ans, c&rsquo;est 152.500 euros de franchise par b\u00e9n\u00e9ficiaire \u00bb<\/em>, explique Nathalie Couzigou-Suhas, notaire. Autant dire que pour un contrat d&rsquo;une valeur de 300.000 euros, s&rsquo;il y a deux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s, la fiscalit\u00e9 \u00e0 la succession sera nulle. Pour les \u00e9ventuels montants d\u00e9passant la franchise, un pr\u00e9l\u00e8vement de 20% s&rsquo;applique sur les 700.000 premiers euros taxables, puis 31,25% au-del\u00e0.<\/p>\n<p>A l&rsquo;inverse, <em>\u00ab sur les primes vers\u00e9es apr\u00e8s 70 ans, quel que soit le b\u00e9n\u00e9ficiaire, au-del\u00e0 de 30.500 euros, le surplus retombe dans la succession \u00bb<\/em>, pr\u00e9vient Fabrice Guenoun, Responsable des affaires comptables et financi\u00e8res au Groupement des entreprises mutuelles d&rsquo;assurance (Gema). Attention donc \u00e0 effectuer vos versements avant la date fatidique des 70 ans. Surtout si le b\u00e9n\u00e9ficiaire de votre contrat est un tiers. En effet, dans cette situation, <strong>les droits de succession atteignent 60%<\/strong>. Autant dire que l&rsquo;assurance vie perd alors tout son attrait&#8230;<\/p>\n<p><strong>Pour mieux conna\u00eetre les caract\u00e9ristiques de l&rsquo;assurance vie pour la succession<br \/>\n<\/strong><a href=\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/assurance-vie-et-succession-l-importance-de-la-clause-beneficiaire\" target=\"_blank\" rel=\"noopener noreferrer\">Assurance vie et succession : l&rsquo;importance de la clause b\u00e9n\u00e9ficiaire<br \/>\n<\/a><a href=\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/assurance-vie-et-succession-quels-droits-pour-le-conjoint-non-beneficiaire\" target=\"_blank\" rel=\"noopener noreferrer\">Assurance vie et succession : quels droits pour le conjoint non b\u00e9n\u00e9ficiaire ?<br \/>\n<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;assurance vie pr\u00e9sente, parmi ses nombreux atouts, une fiscalit\u00e9 tr\u00e8s avantageuse au moment du d\u00e9c\u00e8s. Principale r\u00e8gle \u00e0 respecter, effectuer ses versements avant 70 ans pour s&rsquo;assurer de transmettre aux b\u00e9n\u00e9ficiaires un patrimoine sans droits de succession.  \u00a0 .<\/p>\n","protected":false},"author":13709,"featured_media":1962,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[],"class_list":["post-1963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transmission"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Succession : diminuer les droits gr\u00e2ce \u00e0 l\u2019assurance vie<\/title>\n<meta name=\"description\" content=\"L\u2019assurance vie pr\u00e9sente, parmi ses nombreux atouts, une fiscalit\u00e9 tr\u00e8s avantageuse au moment du d\u00e9c\u00e8s. Principale r\u00e8gle \u00e0 respecter, effectuer ses versements avant 70 ans pour s\u2019assurer de transmettre aux b\u00e9n\u00e9ficiaires un patrimoine sans droits de succes\" \/>\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.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Succession : diminuer les droits gr\u00e2ce \u00e0 l\u2019assurance vie\" \/>\n<meta property=\"og:description\" content=\"L\u2019assurance vie pr\u00e9sente, parmi ses nombreux atouts, une fiscalit\u00e9 tr\u00e8s avantageuse au moment du d\u00e9c\u00e8s. Principale r\u00e8gle \u00e0 respecter, effectuer ses versements avant 70 ans pour s\u2019assurer de transmettre aux b\u00e9n\u00e9ficiaires un patrimoine sans droits de succes\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie\" \/>\n<meta property=\"og:site_name\" content=\"Patrimoine\" \/>\n<meta property=\"article:published_time\" content=\"2015-06-30T13:21:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-08T10:18:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2015\/06\/succession-adoption-Fotolia.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"847\" \/>\n\t<meta property=\"og:image:height\" content=\"477\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Olivier Brunet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:site\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Olivier Brunet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie\"},\"author\":{\"name\":\"Olivier Brunet\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/#\/schema\/person\/f3692b3163890cd1408bd0dc68a1b55a\"},\"headline\":\"Succession : diminuer les droits gr\u00e2ce \u00e0 l\u2019assurance vie\",\"dateModified\":\"2021-12-08T10:18:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie\"},\"wordCount\":549,\"publisher\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2015\/06\/succession-adoption-Fotolia.jpg\",\"articleSection\":[\"Transmission\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie\",\"name\":\"Succession : diminuer les droits gr\u00e2ce \u00e0 l\u2019assurance vie\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/a\/succession-diminuer-les-droits-grace-a-l-assurance-vie#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/patrimoine\/wp-content\/uploads\/sites\/2\/2015\/06\/succession-adoption-Fotolia.jpg\",\"dateModified\":\"2021-12-08T10:18:53+00:00\",\"description\":\"L\u2019assurance vie pr\u00e9sente, parmi ses nombreux atouts, une fiscalit\u00e9 tr\u00e8s avantageuse au moment du d\u00e9c\u00e8s. 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