On the death of a life insurance subscriber, the rule is clear: the capital goes to the designated beneficiary(ies) of the contract. But what happens to these sums when the benefit of this envelope has not been accepted by the beneficiary and the latter dies in turn? This is the subject of the question from our reader, Sonia, who is addressing the experts of the “Grand rendez-vous de l’épargne” (Capital / Radio Patrimoine). Her situation is as follows: our reader has just lost her mother, herself designated beneficiary of a life insurance contract but who has never taken steps with the insurer to notify him of the acceptance of the contract. And the insurer refuses to pay the capital to Sonia, who wants to know her rights. It is Nathalie Couzigou-Suhas, notary in Paris, who is in charge of enlightening it.

The specialist reviews the different possible scenarios. First of all, if our reader’s mother had died before the subscriber, Sonia would not be entitled to anything: “In this case, there is no representation. The benefit is presumed to be subordinated to the survival of the beneficiary of the clause over that of the subscriber. If nothing has been provided, the capital does not go to the heirs of the beneficiary but to the persons designated second (in the beneficiary clause, Ed). If nothing has been planned, it comes back to the estate of the subscriber.”