{"id":9839,"date":"2019-06-19T00:00:00","date_gmt":"2019-06-19T00:00:00","guid":{"rendered":"https:\/\/abeille-preprod.eliott-markus.cloud\/assurance-vie-versement-capitaux\/"},"modified":"2019-06-19T00:00:00","modified_gmt":"2019-06-19T00:00:00","slug":"assurance-vie-versement-capitaux","status":"publish","type":"post","link":"https:\/\/abeille.law\/en\/assurance-vie-versement-capitaux\/","title":{"rendered":"Assurance-vie : les assureurs appel\u00e9s \u00e0 verser plus rapidement les capitaux"},"content":{"rendered":"<p>Les assureurs encourent des sanctions p\u00e9cuniaires s\u2019ils d\u00e9passent le d\u00e9lai de 15\u00a0jours pour demander au b\u00e9n\u00e9ficiaire d\u2019un <strong>contrat d\u2019assurance-vie<\/strong> les pi\u00e8ces n\u00e9cessaires au versement des capitaux.<\/p>\n<p>R\u00e9cemment publi\u00e9e, la loi Pacte est venue retoucher les dispositifs d\u2019\u00e9pargne retraite. D\u2019autres produits, comme l\u2019assurance-vie ont \u00e9galement \u00e9t\u00e9 am\u00e9nag\u00e9s. Ainsi, outre la mise en place de la transf\u00e9rabilit\u00e9 interne des contrats, la loi Pacte est venue durcir les <a title=\"Abeille &#038; Associ\u00e9s | Droit des assurances\" href=\"fr\/domaines-competences\/droit-assurances-responsabilites\">obligations des assureurs<\/a> en mati\u00e8re de versement des capitaux aux b\u00e9n\u00e9ficiaires d\u2019assurance-vie.<\/p>\n<p>Rappelons qu\u2019apr\u00e8s avoir re\u00e7u l\u2019avis de d\u00e9c\u00e8s de l\u2019assur\u00e9 et les coordonn\u00e9es du b\u00e9n\u00e9ficiaire du contrat, l\u2019assureur dispose d\u2019un d\u00e9lai de 15\u00a0jours pour demander \u00e0 ce dernier de lui fournir l\u2019ensemble des pi\u00e8ces n\u00e9cessaires au paiement.<\/p>\n<p>Nouveaut\u00e9, l\u2019obligation de demander les pi\u00e8ces n\u00e9cessaires au paiement est d\u00e9sormais assortie d\u2019une sanction. Ainsi, si l\u2019assureur ne se rapproche pas du b\u00e9n\u00e9ficiaire dans le d\u00e9lai de 15\u00a0jours pr\u00e9vu, les capitaux pr\u00e9sents sur le contrat produisent de plein droit des <strong>int\u00e9r\u00eats au double du taux l\u00e9gal<\/strong> durant un\u00a0mois puis, \u00e0 l\u2019expiration de ce d\u00e9lai d\u2019un\u00a0mois, au triple du taux l\u00e9gal.<\/p>\n<p>Esp\u00e9rons que cette sanction, applicable depuis le 23\u00a0mai\u00a02019, incitera les assureurs \u00e0 acc\u00e9l\u00e9rer les d\u00e9lais de traitement des versements\u2026<\/p>\n<p>Pour plus d&#8217;informations, n&#8217;h\u00e9sitez pas \u00e0 consulter l&#8217;<a title=\"Legifrance | Article 75, loi n\u00b02019-486\" href=\"https:\/\/www.legifrance.gouv.fr\/affichTexte.do;jsessionid=46DD034A65647F03C91002C5FBF7B821.tplgfr32s_1?cidTexte=JORFTEXT000038496102&#038;categorieLien=id#JORFARTI000038496267\" target=\"_blank\" rel=\"noopener\">article 72 de la loi n\u00b02019-486<\/a>, du 22 mai 2019.<\/p>\n<blockquote><p>N&#8217;h\u00e9sitez pas \u00e0 consulter les actualit\u00e9s du cabinet Abeille &#038; Associ\u00e9s, pour plus d&#8217;informations sur le <a title=\"Actualit\u00e9s | Droit des assurances et de la responsabilit\u00e9\" href=\"fr\/actualites\/nos-actualites-juridiques\/theme-15-droit-des-assurances-et-responsabilite\">droit des assurances et de la responsabilit\u00e9<\/a>.<\/p><\/blockquote>\n<p><span style=\"font-size: 8pt;\"><cite class=\"reference\">Article publi\u00e9 le\u00a0<time>19 juin 2019<\/time>\u00a0&#8211;\u00a0\u00a9\u00a0\u00a0Les Echos Publishing\u00a0&#8211;\u00a02019<\/cite><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les assureurs encourent des sanctions p\u00e9cuniaires s\u2019ils d\u00e9passent le d\u00e9lai de 15\u00a0jours pour demander au b\u00e9n\u00e9ficiaire d\u2019un contrat d\u2019assurance-vie les pi\u00e8ces n\u00e9cessaires au versement des capitaux. R\u00e9cemment publi\u00e9e, la loi Pacte est venue retoucher les dispositifs d\u2019\u00e9pargne retraite. D\u2019autres produits, comme l\u2019assurance-vie ont \u00e9galement \u00e9t\u00e9 am\u00e9nag\u00e9s. Ainsi, outre la mise en place de la transf\u00e9rabilit\u00e9 [&hellip;]<\/p>\n","protected":false},"author":1,"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-9839","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>Assurance-vie : les assureurs appel\u00e9s \u00e0 verser plus rapidement les capitaux | 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\/assurance-vie-versement-capitaux\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance-vie : les assureurs appel\u00e9s \u00e0 verser plus rapidement les capitaux | Abeille Avocats\" \/>\n<meta property=\"og:description\" content=\"Les assureurs encourent des sanctions p\u00e9cuniaires s\u2019ils d\u00e9passent le d\u00e9lai de 15\u00a0jours pour demander au b\u00e9n\u00e9ficiaire d\u2019un contrat d\u2019assurance-vie les pi\u00e8ces n\u00e9cessaires au versement des capitaux. 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