Thursday, December 1, 2022
HomeInsuranceChoice, subscription, termination… All you need to know about provident insurance

Choice, subscription, termination… All you need to know about provident insurance

Death insurance: how to organize and anticipate your death?

The best known of all provident insurance is none other than death insurance. Protecting loved ones in the event of premature or untimely death, this is the goal of a death insurance. Unlike funeral insurance, which only covers funeral expensesthis foresight makes it possible to “provide for the payment, on his death, of a sum (capital or annuity), to a beneficiary designated beforehand”, explains Malakoff humanis. It is possible to subscribe to it individually or via a collective contract, entered into by your employer.

As a reminder, the funeral expenses can very quickly represent a significant expense for the heirs of a deceased, because they are the ones who are required to pay the funeral expenses. As indicated by thecircular n° 2013-3 of January 25, 2013, a reimbursement of funeral expenses exists for retirees of the CNAV (National Old Age Insurance Fund, the general scheme). The amount of funeral reimbursement is a maximum of 2,286.74 euros. To obtain it, you must produce the invoices and the death certificate. There is also funeral assistance from the CPAM (death capital) which is paid in priority to the effective dependent of the deceased at the time of death. This may be the surviving spouse or the partner bound by a PACS, the child(ren) (if there is no spouse) or the ascendants (in the absence of a spouse and children).

In order to anticipate your death and protect your heirs, it is possible to take out death insurancelike life insurance, which provides the beneficiary with funds to pay funeral and inheritance tax, but not only. Depending on the capital saved, the subscriber can in fact allow his relatives to benefit from an annuity either with a maturity date or without a maturity date. All the life insurance detailssuch as the age to subscribeare to be discovered in this file.



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