How to choose your beneficiaries?

You can freely designate one or more beneficiaries who will receive the capital in case of death. This beneficiary clause is independent of your will and takes precedence over the legal heirs.

Multiple beneficiaries: You can designate several people and allocate the capital as a percentage.

Standard beneficiary clause: “To my spouse, in default my children, in default my legal heirs.”

Personalized beneficiary clause: You can add conditions, for example, the age of children at the receipt of the capital.

Concrete example:

Sophie, 45 years old, wishes to pass on her life insurance to her two children. She indicates 60% for her eldest son and 40% for her youngest daughter. In the event of death, the capital will automatically be distributed according to these proportions, independently of the other assets of his/her estate.

Tip:

Consider updating your beneficiary clause in case of divorce, marriage, birth or death.

You can create a dismembered clause, giving the usufruct to a spouse and the bare ownership to your children, to optimize the transmission fiscally.