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 03/11/2025

Assurance-vie : qui hérite si le bénéficiaire est décédé ?

Article juridique - Droit des assurances

Par Me Elodie DHENRY

Assurance-vie : qui hérite si le bénéficiaire est décédé ?

Le principe

Si le bénéficiaire désigné aux termes d’une assurance-vie décède avant l’assuré, le capital ne disparaît pas. Deux cas peuvent se présenter :

Soit une clause de substitution existe (ex. : “à défaut, mes héritiers”) → Auquel cas le capital va au bénéficiaire de second rang.
Soit aucune clause de substitution n’est prévue → Le capital réintègre la succession de l’assuré et sera partagé entre les héritiers légaux.

➡️ Exemple

Un assuré avait désigné son conjoint comme bénéficiaire. Celui-ci étant décédé avant lui, et aucune autre personne n’ayant été prévue, le capital a finalement été partagé entre les héritiers dans le cadre de la succession.

Chaque contrat est différent : un avocat peut vous aider à vérifier la clause bénéficiaire et à débloquer le capital en cas de difficulté.

☎ Prenez contact avec Me DHENRY au 09.81.69.87.22.
➡️ Pour prendre rendez-vous avec Maître DHENRY
@ Vous pouvez également m'écrire directement à l'adresse @ : elodie.dhenry@avocat.fr