{"id":9758,"date":"2019-03-12T00:00:00","date_gmt":"2019-03-12T00:00:00","guid":{"rendered":"https:\/\/abeille-preprod.eliott-markus.cloud\/transferabilite-assurance\/"},"modified":"2019-03-12T00:00:00","modified_gmt":"2019-03-12T00:00:00","slug":"transferabilite-assurance","status":"publish","type":"post","link":"https:\/\/abeille.law\/en\/transferabilite-assurance\/","title":{"rendered":"Du nouveau pour la transf\u00e9rabilit\u00e9 de l\u2019\u00e9pargne !"},"content":{"rendered":"<p>Le <strong>projet de loi Pacte<\/strong>, toujours en discussion au Parlement, continue de faire l\u2019objet de nombreux amendements. Deux d\u2019entre eux int\u00e9ressent particuli\u00e8rement les \u00e9pargnants. Le premier introduit la transf\u00e9rabilit\u00e9 interne des contrats d\u2019assurance-vie. Il s\u2019agit de la possibilit\u00e9 pour les titulaires de tels contrats de transf\u00e9rer tout ou partie des sommes \u00e9pargn\u00e9es sur un contrat vers un autre contrat souscrit ult\u00e9rieurement chez le m\u00eame assureur. Un transfert qui se ferait sans perte de l\u2019ant\u00e9riorit\u00e9 fiscale. En pratique, ce dispositif permettrait notamment \u00e0 l\u2019\u00e9pargnant d\u2019abandonner son vieux contrat ferm\u00e9 \u00e0 la commercialisation pour adopter, au sein de la m\u00eame compagnie d\u2019assurance, un contrat plus r\u00e9cent et g\u00e9n\u00e9ralement mieux r\u00e9mun\u00e9r\u00e9.<\/p>\n<section>\n<blockquote><p>Pr\u00e9cision\u00a0:\u00a0ce dispositif concernerait tous les contrats et ne serait pas limit\u00e9 au transfert d\u2019un contrat de type monosupport en fonds en euros vers un contrat multisupports.<\/p><\/blockquote>\n<\/section>\n<p>Avec le second amendement, il serait question de permettre, l\u00e0 encore, la transf\u00e9rabilit\u00e9 de l\u2019\u00e9pargne accumul\u00e9e sur un contrat d\u2019assurance-vie vers, cette fois-ci, le nouveau Plan d\u2019\u00e9pargne retraite (PER) cr\u00e9\u00e9 par la loi Pacte. Une transf\u00e9rabilit\u00e9 qui ne serait possible que jusqu\u2019au 1<sup>er<\/sup>\u00a0janvier\u00a02022.<\/p>\n<section>\n<blockquote><p>Rappel\u00a0:\u00a0l\u2019id\u00e9e des pouvoirs publics est de fusionner en un seul et m\u00eame produit notamment le Perp et le contrat retraite Madelin.<\/p><\/blockquote>\n<\/section>\n<p>Afin d\u2019inciter les \u00e9pargnants \u00e0 investir dans ce nouveau placement retraite, des avantages fiscaux ont \u00e9t\u00e9 pr\u00e9vus. D\u2019une part, lors du transfert de fonds d\u2019une assurance-vie \u00e0 un PER, les plus-values constat\u00e9es seraient exon\u00e9r\u00e9es \u00e0 hauteur de 4\u00a0600\u00a0\u20ac pour une personne seule et de 9\u00a0200\u00a0\u20ac pour un couple. D\u2019autre part, les fonds investis dans un Plan d\u2019\u00e9pargne retraite pourraient \u00eatre d\u00e9duits (dans certaines limites qui restent \u00e0 d\u00e9finir) du revenu professionnel de l\u2019\u00e9pargnant. Affaire \u00e0 suivre\u2026<\/p>\n<blockquote><p>Pour plus d&#8217;informations, n&#8217;h\u00e9sitez pas \u00e0 <a title=\"Contactez-nous\" href=\"fr\/contact\">contacter le cabinet Abeille &#038; Associ\u00e9s<\/a>.<\/p><\/blockquote>\n<p><span style=\"font-size: 8pt;\">Article publi\u00e9 le\u00a0<time>12 mars 2019<\/time>\u00a0&#8211;\u00a0\u00a9\u00a0\u00a0Les Echos Publishing\u00a0&#8211;\u00a02019<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les d&eacute;put&eacute;s ont vot&eacute; des amendements au projet de loi Pacte permettant la <strong>transf&eacute;rabilit&eacute; de l&rsquo;&eacute;pargne<\/strong> pr&eacute;sente sur les <strong>contrats d&rsquo;assurance-vie<\/strong>.<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[190],"tags":[],"class_list":["post-9758","post","type-post","status-publish","format-standard","hentry","category-juridiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Du nouveau pour la transf\u00e9rabilit\u00e9 de l\u2019\u00e9pargne ! | Abeille Avocats<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abeille.law\/transferabilite-assurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Du nouveau pour la transf\u00e9rabilit\u00e9 de l\u2019\u00e9pargne ! | Abeille Avocats\" \/>\n<meta property=\"og:description\" content=\"Les d&eacute;put&eacute;s ont vot&eacute; des amendements au projet de loi Pacte permettant la transf&eacute;rabilit&eacute; de l&rsquo;&eacute;pargne pr&eacute;sente sur les contrats d&rsquo;assurance-vie.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/abeille.law\/transferabilite-assurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Abeille Avocats\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-12T00:00:00+00:00\" \/>\n<meta name=\"author\" content=\"boqrchi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"boqrchi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/abeille.law\/transferabilite-assurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/abeille.law\/transferabilite-assurance\/\"},\"author\":{\"name\":\"boqrchi\",\"@id\":\"https:\/\/abeille.law\/#\/schema\/person\/843903483ea086194b76fa816dafc6c7\"},\"headline\":\"Du nouveau pour la transf\u00e9rabilit\u00e9 de l\u2019\u00e9pargne !\",\"datePublished\":\"2019-03-12T00:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/abeille.law\/transferabilite-assurance\/\"},\"wordCount\":346,\"commentCount\":0,\"articleSection\":[\"Juridiques\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/abeille.law\/transferabilite-assurance\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/abeille.law\/transferabilite-assurance\/\",\"url\":\"https:\/\/abeille.law\/transferabilite-assurance\/\",\"name\":\"Du nouveau pour la transf\u00e9rabilit\u00e9 de l\u2019\u00e9pargne ! 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