{"id":9892,"date":"2019-12-09T00:00:00","date_gmt":"2019-12-09T00:00:00","guid":{"rendered":"https:\/\/abeille-preprod.eliott-markus.cloud\/modification-clause-beneficiaire\/"},"modified":"2019-12-09T00:00:00","modified_gmt":"2019-12-09T00:00:00","slug":"modification-clause-beneficiaire","status":"publish","type":"post","link":"https:\/\/abeille.law\/en\/modification-clause-beneficiaire\/","title":{"rendered":"Gare \u00e0 la modification de la clause b\u00e9n\u00e9ficiaire !"},"content":{"rendered":"<p>Un \u00e9pargnant avait souscrit un <strong>contrat d\u2019assurance-vie<\/strong> aupr\u00e8s d\u2019une compagnie d\u2019assurance. Lors de son adh\u00e9sion, il avait d\u00e9sign\u00e9 comme b\u00e9n\u00e9ficiaires du capital son fils et, \u00e0 d\u00e9faut, son \u00e9pouse. Dans une lettre du 20\u00a0juin\u00a01982, il avait fait part \u00e0 son assureur de la <strong>modification de la clause b\u00e9n\u00e9ficiaire<\/strong> en faveur de son \u00e9pouse uniquement. \u00c0 son d\u00e9c\u00e8s le 1<sup>er<\/sup>\u00a0septembre\u00a01990, cette derni\u00e8re avait obtenu de l\u2019assureur les sommes issues du contrat d\u2019assurance-vie. Mis devant le fait accompli, le fils, \u00e9cart\u00e9 du b\u00e9n\u00e9fice du contrat, avait assign\u00e9 en justice le conjoint survivant en restitution du capital.<\/p>\n<p>Amen\u00e9e \u00e0 se prononcer sur ce litige, la cour d\u2019appel avait condamn\u00e9 l\u2019\u00e9pouse \u00e0 restituer les capitaux au fils du d\u00e9funt. Pour justifier sa position, elle avait relev\u00e9 que le d\u00e9funt, par testament olographe du 10\u00a0ao\u00fbt\u00a01987, avait r\u00e9voqu\u00e9 toute donation faite au profit de son \u00e9pouse, la privant de tout usufruit sur les biens composant sa succession. Testament dans lequel il instituait \u00e9galement son fils comme l\u00e9gataire universel. Et le 7\u00a0ao\u00fbt\u00a01987, le d\u00e9funt avait \u00e9crit \u00e0 son notaire pour d\u00e9signer son fils comme seul et unique h\u00e9ritier de la succession.<\/p>\n<p>En outre, la cour d\u2019appel avait \u00e9galement constat\u00e9 que le d\u00e9funt avait, dans un autre \u00e9crit dat\u00e9 et sign\u00e9 du 29\u00a0juillet\u00a01987, indiqu\u00e9 que le <strong>capital-d\u00e9c\u00e8s<\/strong> de son assurance-vie revenait \u00e0 son fils. Elle en avait d\u00e9duit que ce document comportait incontestablement l\u2019intention du souscripteur de r\u00e9voquer la clause b\u00e9n\u00e9ficiaire et avait pour effet de \u00ab\u00a0<em>d\u00e9truire<\/em>\u00a0\u00bb valablement l\u2019attribution initiale du capital-d\u00e9c\u00e8s \u00e0 l\u2019\u00e9pouse, en lui substituant son fils. Et que, en conservant les fonds malgr\u00e9 la connaissance que l\u2019\u00e9pouse avait de la lettre du 29\u00a0juillet\u00a01987, cette derni\u00e8re avait commis une faute en contrevenant aux derni\u00e8res volont\u00e9s du d\u00e9funt.<\/p>\n<p>Mais l\u2019argumentaire d\u00e9velopp\u00e9 par la cour d\u2019appel n\u2019a pas convaincu la <a title=\"Legifrance | Arr\u00eat n\u00b018-14954\" href=\"https:\/\/www.legifrance.gouv.fr\/affichJuriJudi.do?oldAction=rechJuriJudi&#038;idTexte=JURITEXT000038674665&#038;fastReqId=1135709466&#038;fastPos=1\" target=\"_blank\" rel=\"noopener\">Cour de cassation<\/a>. En effet, les juges de la Haute juridiction ont retenu que l\u2019\u00e9crit du 29\u00a0juillet\u00a01987, qui modifiait la clause b\u00e9n\u00e9ficiaire du contrat d\u2019assurance-vie, avait \u00e9t\u00e9 envoy\u00e9 \u00e0 l\u2019assureur le 18\u00a0octobre\u00a01991, soit post\u00e9rieurement au d\u00e9c\u00e8s de l\u2019assur\u00e9. Une substitution de b\u00e9n\u00e9ficiaire qui n\u2019avait donc pas \u00e9t\u00e9 effectu\u00e9e dans les r\u00e8gles et qui \u00e9tait donc sans effet.<\/p>\n<blockquote><p>Pr\u00e9cision\u00a0:\u00a0le <strong>changement de b\u00e9n\u00e9ficiaire<\/strong> peut \u00eatre r\u00e9alis\u00e9 sous diff\u00e9rentes formes\u00a0: par exemple, une lettre simple ou encore un avenant au contrat. Mais l\u2019assureur doit avoir connaissance de ce changement du vivant de l\u2019assur\u00e9. En revanche, un changement de b\u00e9n\u00e9ficiaire par le biais d\u2019un testament est valable quand bien m\u00eame l\u2019assureur n\u2019en aurait pas \u00e9t\u00e9 inform\u00e9 du vivant de l\u2019assur\u00e9.<\/p><\/blockquote>\n<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 Avocats<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lorsque le souscripteur d&rsquo;un contrat d&rsquo;assurance-vie souhaite changer la d&eacute;signation du b&eacute;n&eacute;ficiaire, il doit porter cette information &agrave; la connaissance de son assureur.<\/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-9892","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>Gare \u00e0 la modification de la clause b\u00e9n\u00e9ficiaire ! 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