L`assurance vie, un bon outil dans la gestion patrimoniale du couple ?

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4'#.5&.6#!7.!%-%$'#.!8!Sébastien&DUPONT!
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MEMOIRE&PROFESSIONNEL&
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Master&II&&
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«&Manager&de&l’Assurance&»&
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SOMMAIRE&
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REMERCIEMENTS&...........................................................................................................................................&5!
SYNTHESE&EN&ANGLAIS&.................................................................................................................................&6!
INTRODUCTION&..............................................................................................................................................&7!
PARTIE&I&:&LA&SOUSCRIPTION&INDIVIDUELLE&AU&SEIN&DU&COUPLE&............................................&13!
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1.!L’origine+du+financement+du+contrat+:+fonds+propres+ou+fonds+communs+?+..............................+13!
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2.!La+désignation+bénéficiaire+:+un+acte+délicat+?+......................................................................................+17!
9G!,$(Q$'(&!C-(-='5'9'#.!.(!59>!7.!7-5R>8!:@9#&'5:.!?G!0O+20S!76!,$7.!7.>!*>>6#9(5.>!GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG!0T!
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3.!Les+pouvoirs+lors+des+opérations+en+cours+de+vie+du+contrat+...........................................................+20!
9G!"$6A$'#>!>6#!:.>!#95Y9&>B!7.%9(7.>!7@9A9(5.!.&!96&#.>!95&.>!GGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG!+/!
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1.!La+liquidation+de+la+communauté+et+les+informations+transmises+par+l’assureur+dans+le+
cadre+du+décès+et+du+divorce+...................................................................................................................................+25!
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2.!Sort+civil+et+fiscal+des+contrats+d’assurance+vie+souscrits+à+l’aide+de+fonds+communs+?+.......+28!
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PARTIE&II&:&LA&SOUSCRIPTION&CONJOINTE&.........................................................................................&35!
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1.!CoFsouscription+:+risque+de+requalification+en+donation+indirecte+?+............................................+35!
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2.!Modalités+d’acceptation+des+souscriptions+conjointes+en+assuranceFvie+et++conséquences+37!
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1.!Principes+.................................................................................................................................................................+45!
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2.!Les+limites+..............................................................................................................................................................+48!
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CONCLUSION&.................................................................................................................................................&51!
BIBLIOGRAPHIE&...........................................................................................................................................&54!

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ANNEXES&.........................................................................................................................................................&55!
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«+ Demain+ est+ incertain.+ Demain+ peut+ détruire+ l'acquis+
d'aujourd'hui.+Demain+est+la+porte+ouverte+au+coup+du+sort.+
Demain+est+la+traduction+de+deux+maux+que+ l'homme+n'a+
cessé+ de+ tenter+ de+ combattre+ sans+ jamais+ parvenir+ à+ les+
vaincre.+ Complémentaires+ et+ pourtant+ dissemblables,+ ils+
incarnent+ la+ peur+ existentielle+ de+ l'individu+ :+ l'incertitude+
de+l'avenir+proche+et+du+devenir+éternel.+Contre+le+second,+il+
est+une+issue+:+la+religion.+Contre+le+premier,+un+palliatif+:+
l'assurance+».1+
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REMERCIEMENTS&
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