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  How to recover life insurance after death? On the death of a loved one, it is more than advisable to claim life insurance quickly. The process is simple and the sums will be paid very quickly if you do it correctly. No need for a notary or a professional. We take stock of the instructions and the supporting documents to be attached to recover life insurance on death. Why is life insurance out of estate? In France, all of the deceased's assets are subject to inheritance tax: bank books, real estate, cars, furniture, etc. Only one investment is treated differently: life insurance. This product is subject to separate taxation and does not have to be processed during the declaration of inheritance. In fact, the beneficiaries of a life insurance contract on death will be able to release the sums quickly without needing anyone. To fully understand the procedures, I invite you to read the taxation on death on life insurance:  I allow myself a br...

  How to buy life insurance? Life insurance is sold by insurance companies, banks, mutuals, on the Internet… There are hundreds of different products. At the opening of a contract, you make a first payment of money and the insurer gives you legal documents, such as the general conditions, the  Key Information Document  (DIC) or the information notice, as well as than the subscription form.  In general, the contracts leave the freedom to invest whenever you wish, but you must respect a minimum sum which varies from a few tens to several thousand euros. Life insurance: some advice…   ·          There are still some contracts requiring the insured to make regular payments, usually monthly. These products are not recommended, as they almost always come with penalties in the event of an interruption in the payment of contributions.  It is preferable to choose a “free payment” contract, which you can fund as ...

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