Maître Elodie DHENRY

Avocat au barreau de Paris

Compétences : Droit du dommage corporel, Réparation du préjudice corporel, Droit des assurances, Droit de la santé, Droit de la famille, des personnes et de leur patrimoine, Procédure civile

Barreau : Paris

Adresse : 76 AVENUE DES CHAMPS ELYSEES 75008 PARIS

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Publié le 25/09/2025

Quelle différence entre héritier et bénéficiaire d’une assurance vie ?

Article juridique - Droit des assurances

Par Me Elodie DHENRY

Quelle différence entre héritier et bénéficiaire d’une assurance vie ?

⚖️ La règle

L’héritier reçoit une part du patrimoine du défunt dans le cadre de la succession selon la loi ou le testament.
Le bénéficiaire de l’assurance vie a été désigné par le souscripteur au terme de la clause bénéficiaire : il reçoit directement le capital de l’assurance vie, hors succession.

Cela signifie que le bénéficiaire peut être un héritier… mais aussi une personne extérieure à la famille.

Exemple : Un parent désigne son conjoint comme bénéficiaire d’une assurance vie. Les enfants héritent de la succession, mais le capital de l’assurance vie va uniquement au conjoint.

➡️ En pratique

L’assurance vie échappe aux règles de partage de la succession.
Mais en cas de primes « manifestement exagérées », les héritiers peuvent toutefois contester et demander une réintégration partielle dans la succession.

✅ À retenir :