November 23, 2022
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  • Investments – Life insurance: do not hesitate to modify your beneficiary clause

Investments – Life insurance: do not hesitate to modify your beneficiary clause

By on October 15, 2022 0

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Choose the “right” recipients, determine the amount of capital to transfer… A good wording of the clause allows tailor-made.

By Laurence Allard

… and concerning your life insurance, what are your instructions?

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NOTYou tick the box with your eyes closed! Even if the all-purpose formula may be suitable for many households, it may be wiser to use the means offered by law to transmit your life insurance contract to the “right” beneficiaries and for the amount of capital desired. What are the possibilities and how can you make good use of them?

1 – The dismemberment of the beneficiary clause

It consists of allocating the usufruct of the accumulated capital to one’s spouse and the bare ownership to one’s children, or even to one’s grandchildren. The benefit: allowing the spouse to collect all of the capital and to do with it as they wish while granting the bare owners a claim corresponding to the amount of capital transmitted to be claimed from the estate of the surviving spouse. ” This…

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