Assurance décès : entre-t-elle dans la succession ?

Temps de lecture : 2mn

Assurance décès et succession

Que le capital décès prévu provienne de l’Assurance maladie pour les salariés, ou de l’un des régimes obligatoires des caisses de cotisations, le capital versé peut être complété dans le cadre d’un contrat de prévoyance décès, à titre collectif ou individuel.

Il n’entre pas dans la succession lors de la disparition de l’assuré sauf exception, notamment lorsque aucun bénéficiaire n’est clairement désigné

Vous avez besoin d'un conseil personnalisé
En savoir plus

Prévoyance décès, protégez l’avenir de sa famille

La prévoyance décès est une protection financière pour les proches du souscripteur. Après sa disparition, le(s) bénéficiaire(s) désigné(s) perçoi(ven)t un capital décès ou une rente en fonction des garanties souscrites.

Quel est le mode de calcul du capital ?

A la souscription du contrat d’assurance décès, il sera important de déterminer le montant du capital qui sera versé à votre décès.

Comment ?

Grâce à un audit de vos besoins pour couvrir les frais lié à à votre décès ( obsèques, imposition de l’année, laisser un an de revenu à son conjoint pour faire face à la chute de revenus, rachat de part éventuelle sur une société ou SCI, frais et droit de succession).

Le montant choisit peut être modifié par la suite, en fonction de l’évolution de la situation de l’assuré.

Qui peut bénéficier du versement ?

L’assuré a deux choix possibles quant à la désignation du bénéficiaire :

  • Les clauses bénéficiaires classiques : le choix des bénéficiaires s’effectue « par défaut » en respectant l’ordre de priorité défini dans la clause type à savoir le conjoint, les enfants, les ascendants etc.
  • En adaptant la clause de façon particulière, ce qui laisse la possibilité au souscripteur de choisir lui-même l’ordre de priorité du/des bénéficiaires. Il doit alors faire apparaître clairement les qualités (enfant, conjoint etc.), les noms, prénoms, date et lieu de naissance des personnes choisies. Pour éviter d’éventuelles contestations futures, il est tout à fait possible de faire appel à un notaire.

Quelle imposition ?

Dans le cas de cotisations avant les 70 ans du souscripteur, la prime de la dernière année avant sa disparition est imposable à hauteur de 20 %, après abattement de 152 000 € par part de chaque bénéficiaire, contrats d’assurance décès et d’assurance vie confondus. Les cotisations versées après 70 ans sont réintégrées dans l’actif successoral, après abattement de 30 500 €.

Frais de succession ?

Le capital d’un contrat de prévoyance est exonéré de droits de succession, car il n’entre pas dans le calcul du patrimoine du défunt. Ses bénéficiaires peuvent par ailleurs le percevoir même s’ils renoncent à la succession.

9 706 Commentaires

  1. israelxclub.co.il sur 6 avril 2022 à 10h06

    Im excited to discover this web site. I need to to thank you for ones time for this wonderful read!! I definitely savored every bit of it and I have you bookmarked to look at new information in your web site.

  3. online bahis casino sur 27 avril 2022 à 4h11

    Way cool! Some very valid points! I appreciate you writing this write-up and also the rest of the site is also really good. Gayle Valcourt

  6. financing binance sur 8 mai 2022 à 7h51

    Thank you for some other informative blog. Where else may I am getting that kind of info written in such an ideal method?
    I have a mission that I’m just now running on, and I have been on the glance out for such info.

  7. canadian drugs sur 8 mai 2022 à 7h52

    Howdy! Quick question that’s entirely off topic. Do you know
    how to make your site mobile friendly? My weblog looks weird when browsing
    from my apple iphone. I’m trying to find a theme or plugin that
    might be able to fix this issue. If you have any suggestions, please share.
    Many thanks!

  8. sarang188 sur 8 mai 2022 à 7h54

    Hi! I know this is kinda off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form?
    I’m using the same blog platform as yours and I’m having problems finding one?
    Thanks a lot!

  9. یادگیری آسان مکالمه زبان sur 8 mai 2022 à 7h58

    در این مقاله می‌خواهیم به موضوع مکالمه زبان بپردازیم.
    تا انتها همراه ما باشید. همه ما
    دوست داریم بدانیم به چه روش هایی می‌توان به زبان
    انگلیسی صحبت کرد. برای تقویت
    مکالمه زبان انگلیسی، بهترین روش صحبت کردن با هم صحبت انگلیسی زبان است، اما برای بعضی از ما یک مانع بزرگ وجود دارد و آن نداشتن فردی است
    که به زبان انگلیسی با ما مکالکه کند.

    بسیاری از افراد شرایط
    آن را ندارند. پس راه حل چیست؟
    در ادامه به بیان تکنیک هایی برای
    یادگیری مکالمه زبان می‌پردازیم.

    چرا مکالمه به زبان انگلیسی سخت است؟
    خیلی از اوقات ما بسیاری از کلمات را بلدیم و بارها تکرار کردیم، با اصول
    گرامری زبان آشنایی داریم، حتی اعتماد به نفس خوبی داریم، با این حال نمی‌توانیم به انگلیسی
    صحبت کنیم. احتمالا در ذهن خود می‌دانید که چه حرفی برای گفتن دارید، اما لغات مورد نظر در
    دهانتان نمی‌چرخد. در ادامه بررسی می‌کنیم که چرا این مهارتِ به ظاهر آسان، این‌قدر مشکل ایجاد می‌کند؟ و سپس
    تکنیک هایی برای یادگیری مکالمه زبان ارائه می‌دهیم.

  10. Fakenews.Win sur 8 mai 2022 à 7h59

    This is very interesting, You’re a very skilled blogger.
    I’ve joined your rss feed and look forward to seeking more
    of your excellent post. Also, I have shared your web site in my social networks!

  12. canadian pharmacies sur 8 mai 2022 à 8h04

    Very shortly this web site will be famous amid all blogging and site-building people, due to it’s
    good articles

  13. medicine online order sur 8 mai 2022 à 8h04

    Thank you a lot for sharing this with all folks you actually realize what you’re speaking approximately!
    Bookmarked. Kindly also discuss with my web site =). We will have a link alternate arrangement between us

  15. binance percent sur 8 mai 2022 à 8h09

    When I originally commented I seem to have clicked the -Notify me when new comments are added- checkbox
    and now every time a comment is added I recieve four emails with the same comment.
    There has to be an easy method you are able
    to remove me from that service? Cheers!

  16. سایت sur 8 mai 2022 à 8h14

    Today, while I was at work, my sister stole my apple ipad and tested to see if it can survive a
    30 foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views.
    I know this is totally off topic but I had to share
    it with someone!

  17. haber sur 8 mai 2022 à 8h14

    Thank you, I have recently been searching for information about this topic for a while and
    yours is the greatest I have found out so far. But, what about the bottom line?

    Are you sure concerning the source?

  19. website sur 8 mai 2022 à 8h19

    Undeniably consider that that you stated. Your favourite reason seemed
    to be at the net the easiest thing to take into accout of.

    I say to you, I definitely get annoyed whilst people consider concerns that they just
    do not know about. You managed to hit the nail upon the highest as well as outlined
    out the whole thing without having side effect , other folks could
    take a signal. Will likely be back to get more.

    Thanks

  20. آموزش رایگان زبان sur 8 mai 2022 à 8h21

    در این مقاله قصد داریم به معرفی روش ها و
    تکنیک های مختلف آموزش زبان انگلیسی
    در خانه بپردازیم. گرچه رفتن به کلاس زبان حس و حال خوبی دارد و بسیاری از افراد ترجیح می‌دهند زبان انگلیسی را با شرکت
    در کلاس زبان آموزشگاه های مختلف
    فرا بگیرند، با این حال ممکن
    است برخی افراد فرصت رفتن به کلاس زبان را نداشته باشند.
    حتی ممکن است شما فرصت داشته باشید، اما راحتی خانه را ترجیح دهید یا دلتان
    نخواهد برای یادگیری زبان زیاد هزینه کنید.

    چالشی که پیش می‌آید این است که چطور می‌توان بدون مدرس پیشرفت کرد؟ پس چه کسی اشتباهاتمان را اصلاح کند؟ این نگرانی ها به‌جا هستند و شاید موارد دیگری هم باشند.
    مثلا ممکن است نگران تلفظ صحیح کلمات باشید.

    در واقع، شاید اصلا ندانید که از کجا باید شروع کنید.
    در حقیقت یادگیری زبان لزوما به معنای نشستن پای کتاب نیست و منابع زیادی وجود دارند که می توانند به شما کمک کنند که در مسیر
    درستی قدم بردارید.

  21. btg binance sur 8 mai 2022 à 8h25

    What’s up all, here every one is sharing such knowledge, so
    it’s pleasant to read this website, and I used to
    go to see this web site every day.

  22. online pharmacies sur 8 mai 2022 à 8h26

    It’s really a great and helpful piece of info. I am happy that you simply shared this helpful information with us.
    Please keep us up to date like this. Thank you for sharing.

  23. pasteboss sur 8 mai 2022 à 8h26

    I’m not that much of a online reader to be honest but your sites
    really nice, keep it up! I’ll go ahead and bookmark your site
    to come back down the road. All the best

  26. bp77 daftar sur 8 mai 2022 à 8h55

    Hey there! This is kind of off topic but I need
    some advice from an established blog. Is it very difficult to set up your own blog?
    I’m not very techincal but I can figure
    things out pretty fast. I’m thinking about making my own but I’m not sure where to begin. Do you have any
    points or suggestions? Thanks

  28. cryptocurrency sur 8 mai 2022 à 9h49

    I am genuinely grateful to the holder of this web site who has shared this fantastic paragraph at at this time.

  29. www.locanto69.com sur 8 mai 2022 à 10h15

    Hmm it seems like your blog ate my first comment (it was super long) so I guess I’ll just
    sum it up what I wrote and say, I’m thoroughly enjoying your blog.
    I as well am an aspiring blog writer but I’m still new to
    the whole thing. Do you have any points for
    novice blog writers? I’d genuinely appreciate it.

  30. bolacasino88 sur 8 mai 2022 à 10h51

    I think what you published made a bunch of sense. But, think
    about this, suppose you were to create a killer
    title? I ain’t suggesting your information is not good, however what if
    you added something that makes people desire more? I mean Assurance décès
    et succession – Cabinet LHB Gestion de Patrimoine is a little
    boring. You might glance at Yahoo’s home page
    and see how they create news headlines to get viewers to open the links.
    You might add a related video or a related pic or two to grab readers interested
    about everything’ve written. In my opinion, it
    could make your posts a little bit more
    interesting.

  31. haber sur 9 mai 2022 à 18h46

    It’s appropriate time to make a few plans for the future and it is time to be happy.
    I have read this publish and if I could I desire to recommend you some attention-grabbing issues or suggestions.
    Maybe you can write subsequent articles referring to this article.
    I wish to learn more issues about it!

  32. canada pharmacy sur 11 mai 2022 à 15h56

    Wonderful website. Lots of useful info here.
    I’m sending it to several pals ans also sharing in delicious.
    And obviously, thank you on your sweat!

  45. slot online sur 23 mai 2022 à 14h17

    You’ve made some really good points there.
    I looked on the net for more information about the issue and found most people
    will go along with your views on this website.

  46. JUN sur 23 mai 2022 à 16h31

    Hello, my name is Jun.

  47. sarangsbobet sur 23 mai 2022 à 17h49

    I always spent my half an hour to read this blog’s articles or reviews everyday along with a cup of coffee.

  49. turkce dublaj film izle sur 26 mai 2022 à 15h06

    Wow cuz this is very great job! Congrats and keep it up. Arlen Succop

  58. bets10 giris sur 27 mai 2022 à 19h29

    Thanks so much for the post. Really thank you! Much obliged. Wilfred Duis

  60. کشیدن دیاگرام معماری sur 27 mai 2022 à 22h25

    Somebody necessarily lend a hand to make severely articles I might state.
    This is the very first time I frequented your web page and thus far?
    I amazed with the research you made to create this particular submit extraordinary.
    Great activity!

  76. porno sur 30 mai 2022 à 7h47

    I am truly thankful to the holder of this website who has shared this enormous piece of writing at at this place. Tristan Cavins

  83. medicine online shopping sur 30 mai 2022 à 14h41

    I absolutely love your blog and find most of your
    post’s to be precisely what I’m looking for. Would you offer guest writers to
    write content for yourself? I wouldn’t mind composing a
    post or elaborating on a lot of the subjects you write with regards to
    here. Again, awesome weblog!

  111. btc sur 1 juin 2022 à 8h40

    Trade Forex Bitcoin binary option min deposit 10$-Trading futures contracts with leverage X5-X100.

  112. برنامه فیزیکی معماری sur 1 juin 2022 à 10h40

    I just like the helpful info you supply to your articles. I’ll bookmark your weblog and check
    again here frequently. I am quite certain I will be informed a lot of new stuff right
    here! Best of luck for the following!

  115. mixparlay88 sur 1 juin 2022 à 13h56

    Hi my loved one! I wish to say that this article is amazing, great written and come with almost all significant
    infos. I would like to peer extra posts like this .

  124. jordan shoes sur 1 juin 2022 à 20h51

    There are some fascinating time limits in this article however I don抰 know if I see all of them center to heart. There’s some validity but I’ll take hold opinion until I look into it further. Good article , thanks and we wish extra! Added to FeedBurner as well

  125. curry 7 sur 1 juin 2022 à 20h52

    Youre so cool! I dont suppose Ive learn anything like this before. So nice to find any individual with some original thoughts on this subject. realy thanks for starting this up. this website is one thing that’s needed on the web, somebody with a little originality. useful job for bringing one thing new to the web!

  126. jordan shoes sur 1 juin 2022 à 20h53

    You made some respectable points there. I regarded on the internet for the difficulty and located most people will go along with along with your website.

  127. kyrie 6 sur 1 juin 2022 à 20h54

    There is noticeably a bundle to know about this. I assume you made certain good points in features also.

  138. supreme clothing sur 2 juin 2022 à 9h32

    Aw, this was a really nice post. In concept I would like to put in writing like this additionally ?taking time and actual effort to make an excellent article?however what can I say?I procrastinate alot and not at all appear to get one thing done.

  139. supreme clothing sur 2 juin 2022 à 9h32

    Aw, this was a very nice post. In idea I want to put in writing like this additionally ?taking time and precise effort to make a very good article?however what can I say?I procrastinate alot and not at all seem to get one thing done.

  149. بررسی جامع تحلیل موزه آبگینه sur 2 juin 2022 à 21h59

    I have been exploring for a bit for any high-quality articles or weblog posts on this kind of area .
    Exploring in Yahoo I finally stumbled upon this website.
    Studying this information So i’m happy to show that I’ve an incredibly good uncanny feeling I found out just what I needed.
    I so much surely will make sure to do not omit this site
    and give it a glance on a continuing basis.

  151. golden goose sur 3 juin 2022 à 0h31

    This really answered my drawback, thank you!

  152. lebron james shoes sur 3 juin 2022 à 0h33

    very good post, i certainly love this web site, carry on it

  153. jordan 4 sur 3 juin 2022 à 0h33

    There are some interesting time limits on this article however I don抰 know if I see all of them center to heart. There is some validity however I’ll take hold opinion till I look into it further. Good article , thanks and we want more! Added to FeedBurner as properly

  159. supreme shirt sur 3 juin 2022 à 13h50

    There are some fascinating time limits on this article but I don抰 know if I see all of them center to heart. There may be some validity but I will take hold opinion till I look into it further. Good article , thanks and we would like extra! Added to FeedBurner as properly

  160. nike off whtie sur 3 juin 2022 à 13h52

    I used to be very happy to seek out this internet-site.I wished to thanks for your time for this glorious learn!! I positively having fun with each little bit of it and I’ve you bookmarked to take a look at new stuff you weblog post.

  172. retro jordans sur 4 juin 2022 à 3h34

    Oh my goodness! an incredible article dude. Thank you Nevertheless I’m experiencing issue with ur rss . Don抰 know why Unable to subscribe to it. Is there anyone getting similar rss downside? Anyone who is aware of kindly respond. Thnkx

  173. off white hoodie sur 4 juin 2022 à 3h36

    Youre so cool! I dont suppose Ive read anything like this before. So good to search out any individual with some original thoughts on this subject. realy thanks for starting this up. this web site is one thing that’s needed on the net, someone with a little bit originality. helpful job for bringing one thing new to the internet!

  180. yeezy sur 4 juin 2022 à 18h55

    You made some decent factors there. I seemed on the internet for the problem and located most people will go along with along with your website.

  181. supreme clothing sur 4 juin 2022 à 18h56

    Youre so cool! I dont suppose Ive learn anything like this before. So nice to search out any person with some original ideas on this subject. realy thank you for starting this up. this website is something that’s wanted on the internet, somebody with a bit of originality. helpful job for bringing something new to the internet!

  190. kd 12 sur 5 juin 2022 à 8h02

    It抯 laborious to search out educated individuals on this matter, however you sound like you already know what you抮e speaking about! Thanks

  191. jordan 11 sur 5 juin 2022 à 8h04

    Aw, this was a really nice post. In concept I wish to put in writing like this moreover ?taking time and precise effort to make an excellent article?however what can I say?I procrastinate alot and certainly not appear to get something done.

  203. jordan 6 sur 5 juin 2022 à 23h17

    Would you be desirous about exchanging hyperlinks?

  204. off-white sur 5 juin 2022 à 23h18

    You made some decent factors there. I regarded on the internet for the difficulty and located most people will associate with along with your website.

  216. paul george sur 6 juin 2022 à 13h00

    There may be noticeably a bundle to learn about this. I assume you made certain good factors in options also.

  217. off white sur 6 juin 2022 à 13h00

    This really answered my problem, thanks!

  218. curry 6 shoes sur 6 juin 2022 à 13h02

    WONDERFUL Post.thanks for share..extra wait .. ?

  232. yeezy 500 sur 7 juin 2022 à 3h01

    Your place is valueble for me. Thanks!?

  233. jordan retro sur 7 juin 2022 à 3h01

    I’m typically to blogging and i actually respect your content. The article has really peaks my interest. I’m going to bookmark your site and preserve checking for new information.

  234. irving shoes sur 7 juin 2022 à 3h02

    This is the fitting weblog for anybody who needs to search out out about this topic. You notice so much its virtually hard to argue with you (not that I truly would need匟aHa). You definitely put a brand new spin on a subject thats been written about for years. Great stuff, simply nice!

  256. محصول معماری تحلیل موزه یهود برلین sur 8 juin 2022 à 2h15

    My partner and I absolutely love your blog and find many of your post’s to be
    just what I’m looking for. can you offer guest writers to write content available for you?
    I wouldn’t mind producing a post or elaborating on many of the subjects you write related to here.
    Again, awesome web log!

  277. turkce dublaj film izle sur 8 juin 2022 à 22h57

    Looking forward to reading more. Great article post. Really looking forward to read more. Really Great. Bernard Leisch

  469. mofidwp.blog.ir sur 9 juin 2022 à 23h51

    I simply could not go away your web site before suggesting that I really enjoyed the usual information an individual supply for your visitors?
    Is going to be again ceaselessly in order to inspect new posts