The life insurance is an investment vehicle that affects not only the subscriber. It favors the saver insofar as he can reap the interests like capital.
It offers an asset for people intended to receive the sum in the event of the death of its owner. In other words, it can be bequeathed to a third party of its choice during the succession.
The succession or transfer of assets is not a simple thing. This needs to be prepared in advance. It must be anticipated by studying the tax advantages of this area. Indeed, a fortune can be transmitted after death or during the existence of the alienator.
In the event that the saver is still living, the transfer may take the form of donations (between spouses, manual or sharing). To do this, for his succession he must choose his successors well, whether they are his legitimate children or other third parties.
The minimum is also to have a broad knowledge about allowances. They concern the notion of available quota and the hereditary reserve. Thus, the beneficent can draw up his will in complete serenity.
The succession or transmission may be in the form of dismemberment. The latter can take two forms: in real estate or finance. The procedures for these methods remain the same. The alienator can proceed with the transfer without being in need.
The Dismemberment Of Life Insurance.
The dismemberment of a consensus in life insurance can only be achieved on one condition. This is when the insured wants to make a broken up benefit clause. The Civil Code defines it as being a sharing of wealth between a usufructuary and a bare owner.
The second holder has a limited right. He can only enjoy full ownership at the end of the contract or on the death of the other. On the other hand, the first person disposing of the property can use it by receiving all the interest.
The beneficent of life insurance designate who will benefit from the fortune. The latter may be their spouse, their offspring or several people such as grandchildren.
Thus, dismemberment can be transmitted from generation to generation. It makes it possible to financially protect the partner in his future life.
In this type of contract, the distribution can only take place after the death of the donor. It is interesting insofar as the capital can be shared between several heads.
The usufruct finds itself obliged to pay all of the money to the bare owner. It is subject to a social levy of 15.5%.
He obtains the whole of the fortune when the insured dies. This is governed by the rules of succession.
It must keep the heritage in its fullness. The most favorable is to adopt the quasi-usufruct mechanism. He becomes the true owner when the bare owner asserts his agreement.
Receiving property as a bare owner amounts to being a creditor in the future. In fact, he can only enjoy the benefits of fortune when the usufruct dies. At that time, the capital was paid to him in the area of inheritance.
Beneficiary clauses designate a contract drawn up by the insured to determine his successors. In this case, they must be revised before finalizing the stipulation.
In addition, the terms used in the agreement must also be chosen carefully. They can have a great impact in sharing the fund with its recipients. The distribution of the good may not be suitable for the expectation of the abandoner.
Appetizers play a major role in making the arrangement. As experts, they must be of good advice. They are the only ones able to match the situation of the investor to his objectives.
On the one hand, the contract can be composed freely. The saver chooses the one he wants without specifying. The division of property will be done according to the events at the time of death.
To illustrate, it happens that the insured remarries after the time of subscription. After his death, the capital returns to her husband.
On the other hand, it is feasible to name directly the person he would like to succeed him during the succession. For more confirmation, he must give all possible information on his heir. All appellations, its domicile, its date and place of birth.
If any of the information changes over time, it must notify the life insurance institution.
There are inadmissible designations. Animals, doctors treating a disease-causing death, ministers of worship are among them. If the amounts to be transmitted are of an exaggerated amount, the donation is called into question.