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 est 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 contester et demander une réintégration partielle dans la succession.

✅ À retenir :