Presentation: After death, the association of information management on risk insurance act may have a role in whether a life insurance policy was taken out and made you the lucky recipient ... Commissioned on 1 May 2006 by insurance, the agency should be consulted by individuals. The procedure is free.
After death, the association of information management on risk insurance act may have a role in whether a life insurance policy was taken out and made you the lucky recipient ...
Commissioned on 1 May 2006 by insurance, the agency should be consulted by individuals. The procedure is free.
I-Conditions for referral to the AGIRA
Article L 132-9-2 of the Insurance Code provides:
Any individual or corporation may apply by letter to one or more professional bodies representative authorized thereto by order of the Minister of Economy, to be informed of the existence of a stipulation made in his favor in a policy taken out by an individual that it brings, by any means, proof of death.
Within fifteen days of receipt of the letter in the first paragraph, the agency sends the request to authorized to carry on insurance business relating to the length of human life. When the person or entity mentioned in that paragraph is designated as a beneficiary in a policy, these companies have a period of one month to inform him of the existence of a capital or an annuity payable guaranteed profit .
A) A request by letter motivated
1 ° - A registered letter will be welcome.
2 - The application must target a specific person, died
The letter will bear the name, address of the applicant and the full name, address, date and place of birth and death of the person who had signed the contract.
3 - The application must include the supporting documents:
if possible the identity card of the applicant, the death certificate, the relationship to the deceased.
An application abstract, without specific subscriber could not succeed.
4 - The application will be made to the act 1 rue Jules Lefebvre -75431 Paris cedex 09-Research Department of the beneficiaries upon death.
The claim to know whether a life insurance policy was taken out for his benefit will be facilitated when the clauses are intended beneficiaries are named person.
However, some contracts are standard terms ... (such as my spouse, my children ...)
B) What will the ACT?
1 she will acknowledge receipt of the request, and may réclemer details as appropriate.
2 ° - AGIRA contact insurance companies to see if one or more contracts have been concluded and whether there are named beneficiaries.
3 - what about if beneficiaries never found?
the limitation of life insurance is ten years, as provided for in Article L 114-1 of the Insurance Code.
He begins to run from the death of the policyholder, unless the beneficiary can prove he did not know death.
In any event, if thirty years after the death of the insured, the beneficiary has not shown, it loses all ability to act.
For contracts with the beneficiaries will not be found when dormant, the money will be paid after a period of 30 years who runs the death of the subscriber to the Reserve Fund for pensions under Article L 135-7 of the Code of Safety Social Amended by Law n ° 2010-1594 of December 20, 2010 - art. 9 and L 1126-1 of the General Code of ownership of public entities. The provisions of this Article shall apply to contracts of life insurance involving current cash values or transfer and who have been, from the death of the insured or the term of the contract, d in any application for benefits on the date of publication of Law 2006-1640 of 21 December 2006 art. 18 V.
II-specific role of AGIRA
A) A one-stop shop
Acting is a professional body designated by the French Federation of Insurance Companies (FFSA), the grouping of mutual insurance companies (GEMA) and the Technical Centre of pension funds (CTIP) in order to centralize all applications for potential recipients.
Once entered, the agency has 15 days to send your request to insurers.
B) What will the insurer will find a life insurance policy for the benefit of the applicant?
1 - It takes direct contact from the recipient
If so, whether a life insurance contract is found for your benefit, companies will contact you within one month of receipt of the request which has been made.
2 ° - It will conduct an application and parts RELATED INFORMATION
Parts will be requested to the recipient (identity card, bank account, taken from death certificate, documentation showing the status of beneficiary, former affidavit prepared by a notary, the pi-such as tax declaration of partial succession, Certificate acquittal or non-enforceability of rights, sworn statement to the insurer, where possible the original form of subscription contract ...)
3 - It will pay the capital in a period of time the risk of financial penalty.
Law No. 2007-1775 of 17 December 2007 to research the beneficiaries of insurance policies on the lives unclaimed and guaranteeing the rights of the insured-NOR: ECEX0710947L established a deadline for payment of the amounts contained in a contract of life insurance.
This capital, recall the succession is out.
Once the complete application, the insurer has one month to adjust the capital.
In case of timeout, it incurs a capital increase at the rate of statutory interest rate plus half for two months and beyond twice the legal interest.
Living at your disposal for any clarification.