{"id":12105,"date":"2025-05-23T00:00:00","date_gmt":"2025-05-22T22:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/cest-lhistoire-dun-particulier-qui-estime-que-son-assurance-vie-cest-une-affaire-personnelle\/"},"modified":"2025-06-03T04:05:07","modified_gmt":"2025-06-03T02:05:07","slug":"cest-lhistoire-dun-particulier-qui-estime-que-son-assurance-vie-cest-une-affaire-personnelle","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/la-petite-histoire-du-jour\/cest-lhistoire-dun-particulier-qui-estime-que-son-assurance-vie-cest-une-affaire-personnelle\/","title":{"rendered":"C\u2019est l\u2019histoire d\u2019un particulier qui estime que son assurance-vie, c\u2019est une affaire personnelle\u2026"},"content":{"rendered":"<p class=\"title\">C\u2019est l\u2019histoire d\u2019un particulier qui estime que son assurance-vie, c\u2019est une affaire personnelle\u2026<\/p>\n<div>\n<p>Quelques jours avant ses 70 ans, un particulier verse aupr\u00e8s de sa banque 150 000 \u20ac au titre d\u2019un contrat d\u2019assurance-vie, pour lequel l\u2019assureur n\u2019a pr\u00e9lev\u00e9 la prime que quelques jours plus tard, soit apr\u00e8s ses 70 ans. Un d\u00e9lai de quelques jours pr\u00e9judiciable, selon le client\u2026<\/p>\n<p>Le pr\u00e9l\u00e8vement des fonds apr\u00e8s ses 70 ans lui fait perdre une chance de transmettre \u00e0 son d\u00e9c\u00e8s la prime vers\u00e9e \u00e0 ses b\u00e9n\u00e9ficiaires sans droit de succession, selon le client pour qui ce pr\u00e9l\u00e8vement \u00ab tardif \u00bb est la faute de la banque et de l\u2019assureur qui auraient d\u00fb faire le n\u00e9cessaire pour que la prime soit pr\u00e9lev\u00e9e le jour m\u00eame du versement. Sauf que si \u00ab n\u00e9gligence \u00bb il y a bien ici, pour autant, \u00e0 son d\u00e9c\u00e8s, les droits de succession seront dus par les seuls b\u00e9n\u00e9ficiaires de l\u2019assurance-vie et non par le client lui-m\u00eame, rappellent la banque et l\u2019assureur\u2026<\/p>\n<p>Ce qui confirme que le client n\u2019a ici subi aucun pr\u00e9judice fiscal \u00ab personnel \u00bb, tranche le juge pour qui l\u2019indemnisation r\u00e9clam\u00e9e ne peut qu\u2019\u00eatre refus\u00e9e.<\/p>\n<\/p><\/div>\n<div>Source : <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000050221609?init=true&amp;page=1&amp;query=22-23.014&amp;searchField=ALL&amp;tab_selection=all\" target=\"_blank\">Arr\u00eat de la Cour de cassation, chambre commerciale, du 11 septembre 2024, no 22-23014<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/la-petite-histoire-du-jour\/c-est-l-histoire-d-un-particulier-qui-estime-que-son-assurance-vie-c-est-une-affaire-personnelle\" target=\"_blank\">La petite histoire du jour<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/petites_histoires\/images\/Shutterstock_assurancevie.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019est l\u2019histoire d\u2019un particulier qui estime que son assurance-vie, c\u2019est une affaire personnelle\u2026<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-12105","post","type-post","status-publish","format-standard","hentry","category-la-petite-histoire-du-jour"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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