Litigation concerning a beneficiary clause – Obviously excessive premiums – Infringement of the inheritance reserve: Contact a lawyer with expertise in life insurance.
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There are more and more disputes over life insurance.
In fact, to disinherit the heirs with reservations, some people invest all their cash in life insurance contracts.
However, the sums invested in life insurance are in principle, excluding inheritance.
Article L. 132-13 of the Insurance Code provides that the capital or the annuity received by the beneficiary does not form part of the insured’s estate. In other words, they are therefore not subject to the report (nor are they reducible for infringement of the reserve).
The system of premiums paid by the subscriber is due to the fact that they were paid in a concern not of wealth transfer, but of simple foresight: this is why they also escape the report (and reduction).
However, the law reserves the case where they were for the subscriber ” manifestly exaggerated in view of his faculties ».
The heirs can therefore only request the report (if the beneficiary of the contract is a co-heir) or the reduction in the event of infringement of the reserve (if they themselves have the status of reserved heir) by establishing the exaggerated premiums.
The firm of Maître Johan GUIOL, Lawyer in LYON, defends the interests of any person who encounters a difficulty relating to the application of a beneficiary clause or to the distribution of invested capital.
We can contest the beneficiary clauses or invoke before the Courts the manifestly excessive nature of the premiums invested in life insurance contracts.
We also work alongside beneficiaries of life insurance contracts, so that their quality is confirmed in court.
This is a very technical dispute and Maître Johan GUIOL, who is also a Notary graduate, will be able to bring all his skills to the service of the defense of your own interests.
Do not hesitate to make an appointment to take stock of your rights, in order to see more clearly your situation.
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