{"id":46,"date":"2013-07-20T16:44:09","date_gmt":"2013-07-20T16:44:09","guid":{"rendered":"http:\/\/www.mutuelle-mat.fr\/blog\/?p=46"},"modified":"2013-07-20T16:44:09","modified_gmt":"2013-07-20T16:44:09","slug":"conseils-sur-lassurance-deces-succession","status":"publish","type":"post","link":"http:\/\/www.mutuelle-mat.fr\/blog\/conseils-sur-lassurance-deces-succession\/46.html","title":{"rendered":"Conseils sur l\u2019assurance d\u00e9c\u00e8s succession"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaires<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f35448c7593\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f35448c7593\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/conseils-sur-lassurance-deces-succession\/46.html\/#Une_assurance_deces_succession_quest_ce_que_cest\" >Une assurance d\u00e9c\u00e8s succession, qu\u2019est ce que c\u2019est ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/conseils-sur-lassurance-deces-succession\/46.html\/#Avantages_a_souscrire_une_assurance_deces_succession\" >Avantages \u00e0 souscrire une assurance d\u00e9c\u00e8s succession<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Une_assurance_deces_succession_quest_ce_que_cest\"><\/span>Une assurance d\u00e9c\u00e8s succession, qu\u2019est ce que c\u2019est ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Souscrire \u00e0 un contrat d\u2019assurance d\u00e9c\u00e8s permet \u00e0 l\u2019assur\u00e9 de c\u00e9der un montant appel\u00e9 capital \u00e0 un ou plusieurs b\u00e9n\u00e9ficiaires qu\u2019il d\u00e9finit pr\u00e9alablement au moment de la signature de son contrat. L\u2019assureur c\u00e8dera ce capital au(x) b\u00e9n\u00e9ficiaire(s) au moment du d\u00e9c\u00e8s de l\u2019assur\u00e9.<\/p>\n<p>La fiscalit\u00e9 li\u00e9e \u00e0 l\u2019assurance d\u00e9c\u00e8s n\u2019est pas fig\u00e9e, elle s\u2019applique au cas par cas.<\/p>\n<p>G\u00e9n\u00e9ralement, les b\u00e9n\u00e9ficiaires de ce type d\u2019assurance ne sont pas exempts d\u2019imp\u00f4t, notamment du droit de succession. Quelques exceptions existent.<\/p>\n<p>Ainsi, les b\u00e9n\u00e9ficiaires suivants sont exon\u00e9r\u00e9s du droit de succession : le conjoint du d\u00e9funt assur\u00e9 ou son compagnon ou compagne pacs\u00e9e, ses fr\u00e8res et s\u0153urs ou encore une association jug\u00e9e d\u2019utilit\u00e9 publique.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Avantages_a_souscrire_une_assurance_deces_succession\"><\/span>Avantages \u00e0 souscrire une assurance d\u00e9c\u00e8s succession<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L\u2019assurance d\u00e9c\u00e8s est un moyen simple de transfert de patrimoine. Il permet ainsi de d\u00e9partager la masse successorale et \u00e9vite ainsi de payer un montant \u00e9lev\u00e9 en termes de droit de succession, ce droit \u00e9tant calcul\u00e9 proportionnellement au montant du capital \u00e0 imposer. Cette assurance donne \u00e9galement la possibilit\u00e9 de contr\u00f4ler son patrimoine : il permet de laisser un h\u00e9ritage confortable \u00e0 ses proches en d\u00e9signant les b\u00e9n\u00e9ficiaires respectifs de ses biens en assurance, en immobilier, etc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une assurance d\u00e9c\u00e8s succession, qu\u2019est ce que c\u2019est ? Souscrire \u00e0 un contrat d\u2019assurance d\u00e9c\u00e8s permet \u00e0 l\u2019assur\u00e9 de c\u00e9der un montant appel\u00e9 capital \u00e0 un ou plusieurs b\u00e9n\u00e9ficiaires qu\u2019il d\u00e9finit pr\u00e9alablement au moment de la signature de son contrat. L\u2019assureur c\u00e8dera ce capital au(x) b\u00e9n\u00e9ficiaire(s) au moment du d\u00e9c\u00e8s<\/p>\n","protected":false},"author":1,"featured_media":35,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[8],"tags":[15],"class_list":["post-46","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-deces"],"_links":{"self":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/46","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/comments?post=46"}],"version-history":[{"count":0,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/46\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/media\/35"}],"wp:attachment":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/media?parent=46"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/categories?post=46"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/tags?post=46"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}