Fulfilling the beneficiary clause of your life insurance contract is not compulsory, but it is essential for the beneficiaries to benefit from advantageous taxation during the transmission of capital.
Each designated beneficiary (by name or status of spouse, child, etc.) can receive up to 152,500 euros without taxation if the premiums were paid before age 70.
If no one is designated, the capital will be integrated into the subscriber's estate and the heirs taxed on it according to their link with him (up to 60% after a deduction of 1594 euros for a cohabiting partner, for example).
The wording of the clause must therefore be carefully considered when signing the contract.
And
“you have to remember to review it regularly according to the evolution of your family and your needs, which vary over time
,” advises Marie-Laure Decobert, wealth engineer at Swiss Life Banque Privée.
Marriage, birth, divorce are all opportunities to look back on it.
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