ASSURANCE VIE1
LA DÉFISCALISATION AVEC LES CONTRATS D’ASSURANCE VIE, D’ASSURANCE DECES, DE CAPITALISATION ET DSK.
9 mars 2016
ASSURANCE VIE3
LES CONTRATS D’ASSURANCE VIE N’ÉCHAPPENT PAS A L’ISF
9 mars 2016

DÉMEMBREMENT DE L’ASSURANCE VIE

ASSURANCE VIE1

Il s’agit en fait de transmettre un bien à une personne, tout en réservant l’utilisation à un autre tant qu’elle est en vie ».

Il faut toutefois distinguer deux types de démembrement dans le cas des contrats d’assurance vie : le démembrement du contrat en lui-même, et le démembrement du capital à la sortie.

– Le démembrement permet de transmettre de l’argent sur deux générations sans droits de succession.

« Prenons le cas d’un couple ayant un enfant. Monsieur et Madame souscrivent un contrat d’assurance vie. Monsieur en est le nu-propriétaire, et Madame, l’usufruitière. Il est prévu que te contrat se dénoue au décès de Madame. Lorsque Monsieur décède, Madame devient pleine-propriétaire de ce contrat. Au décès de cette dernière, son fils sera bénéficiaire ».

– Le démembrement sur le capital garanti permet lui aussi d’éviter les droits de succession. Dans le cas du couple avec un enfant. Monsieur souscrit un contrat d’assurance vie sur sa tête. A son décès. Madame a l’usufruit du capital, tandis que l’enfant détient la nue-propriété. Lorsque Madame disparaît, l’enfant obtient la pleine propriété de ce capital sans avoir à verser de droits de succession.

Cependant le démembrement du capital présente un risque lorsque le droit de l’usufruitier porte sur un bien consumable au premier usage (comme l’argent) puisque l’usufruitier devient quasi-usufruitier.

Considéré, on l’a vu, comme débiteur vis-à-vis du propriétaire, il a pour seule obligation de restituer le montant des sommes dues à son décès. Et dans ce cas, le risque de dilapidation du capital est évident.

Trois solutions restent alors possibles :

  • obliger le quasi-usufruitier à réemployer le bénéfice sur un bien non consomptiblc,
  • mettre la somme d’argent entre les mains d’un notaire mandaté par le nu-propriétaire,
  • dans le cas d’un contrat d’assurance vie en unités de compte, il est possible de faire en sorte que le capital soit versé en valeurs mobilières.

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