Section III: Policyholder and beneficiary information and pricing

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Article Annexe à l'article A132-9-4

French Insurance CodeIn force

Updated 7 Nov 2023

Table 1:


NUMBER OF CONTRACTS

having given rise

to investigation/search

by the insurance company


NUMBER OF INSURED PERSONS

centenarians

not deceased, including

those for whom

there is a

presumption of death


ANNUAL AMOUNT

(all technical provisions

combined)

of contracts for policyholders

centenarians not deceased


NUMBER

of contracts closed

by the insurance company


ANNUAL AMOUNT

of contracts closed

with no further action

by the

insurance company


Year N

Table 2:


YEAR


ANNUAL AMOUNT

and number of contracts where the policyholder has been identified as deceased (article L. 132-9-2)


NUMBER OF CONTRACTS

settled and annual amount

(article L. 132-9-2)


NUMBER OF DEATHS CONFIRMED

of policyholders/ number of contracts concerned/ amount of capital to be paid (death benefits and annuity payments)

following consultations under article L. 132-9-3


AMOUNT OF CAPITAL

fully paid during the year to beneficiaries/ number of contracts fully paid to beneficiaries

following consultations under article L. 132-9-3


N


Amount in euros and number of contracts


Number of contracts and amount in euros


Number of confirmed deaths, number of contracts and amount in euros


Amount in euros and number of contracts


N-1


Amount in euros and number of contracts


Number of contracts and amount in euros


Number of confirmed deaths, number of contracts and amount in euros


Amount in euros and number of contracts


N-2


Amount in euros and number of contracts


Number of contracts and amount in euros


Number of confirmed deaths, number of contracts and amount in euros


Amount in euros and number of contracts


N-3


Amount in euros and number of contracts


Number of contracts and amount in euros


Number of confirmed deaths, number of contracts and amount in euros


Amount in euros and number of contracts


N-4


Amount in euros and number of contracts


Number of contracts and amount in euros


Number of confirmed deaths, number of contracts and amount in euros


Amount in euros and number of contracts


N-5


Amount in euros and number of contracts


Number of contracts and amounts in euros


Number of confirmed deaths, number of contracts and amount in euros


Amount in euros and number of contracts

Mariela Petrova

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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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