Section III: Policyholder and beneficiary information and pricing

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Article A132-7-1

French Insurance CodeIn force

Updated 7 Nov 2023

I.-For the application of article L. 132-22 to the contracts mentioned in articles L. 143-1 and L. 144-2, the following information is provided annually:

1° The exact reference date of the information appearing in the statement of pension rights, clearly indicated;

2° The name of the insurance or supplementary occupational pension organisation and its contact address, as well as identification of the member's pension scheme;

3° A clear indication in the event of a significant change in the information contained in the statement of entitlements compared to the previous year;

4° Information on the contributions paid by the subscribing company and the member over the last twelve months;

5° A breakdown of the charges levied over at least the last twelve months.

For the contracts mentioned in articles L. 143-1 and L. 144-2, the title of the notice provided for in article L. 132-22 contains the expression "statement of pension rights".

II - For the application of article L. 132-22 and the fourth paragraph of article L. 132-5-3 to the contracts mentioned in articles L. 143-1 and L. 144-2, the following information is communicated annually to members whose rights are in payment:

-the amount and residual duration of the benefits due to them and a reminder of the corresponding payment options;

for contracts with unit-linked guarantees during the payment phase, information for the beneficiary on this risk and the impact it could have in the event of an unfavourable event.

Mariela Petrova

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Common Questions

Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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