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 07/10/2025

Assurance-vie : le bénéficiaire doit-il attendre la fin de la succession ?

Article juridique - Droit des assurances

Par Me Elodie DHENRY

Assurance-vie : le bénéficiaire doit-il attendre la fin de la succession ?

Maître Dhenry, avocate en droit des assurances, accompagne les bénéficiaires d’assurance-vie dans leurs échanges avec les assureurs, que le dossier soit bloqué, incomplet ou contesté.

De nombreux bénéficiaires pensent devoir attendre le règlement de la succession avant de percevoir le capital d’assurance-vie. C’est une idée reçue : le contrat d’assurance-vie est en principe autonome, il n’entre pas dans la succession du défunt.

Le capital doit en principe être versé directement au bénéficiaire désigné, sans dépendre du partage successoral.

⚖️ Le rôle de l’avocat

Un avocat peut :

Vérifier que le contrat est bien distinct des biens successoraux,
Intervenir auprès du notaire ou de la banque pour éviter un blocage,
Gérer les cas de bénéficiaire non désigné clairement ou en cas de litige entre héritiers,
Faire valoir les intérêts de retard dus par l’assureur si le versement tarde.

Conseils pratiques immédiats

Informez l’assureur, sans attendre l’ouverture de la succession.
Rassemblez les documents demandés (acte de décès, pièce d’identité, RIB...).
En cas de blocage ou de désaccord entre héritiers, faites constater votre droit par écrit avec l’aide d’un avocat.

Vous êtes confronté(e) à un retard de paiement en assurance vie ?

Je vous propose un premier échange afin d’analyser votre situation et d’identifier les solutions adaptées :