Section III: Policyholder and beneficiary information and pricing

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Article Annexe à l'article A132-9-5

French Insurance CodeIn force

Updated 7 Nov 2023


SITUATION

at 31 December N

Total amount expressed in millions of euros (€M)


SITUATION

at 31 December N

expressed in number

of contracts concerned


GLOBAL AMOUNT

paid to beneficiaries

or transferred to CDC

at 31 December N

out of the stock identified

at 31 December N-1

in millions of euros

and as a percentage


TOTAL NUMBER

of contracts paid to beneficiaries

or transferred to CDC

at 31 December N

out of the stock of contracts identified

at 31 December N-1

in number of contracts

and as a percentage


Unpaid death benefits on life insurance policies

Excluding compulsory group policies taken out within the company


Total amount of death benefits outstanding for more than one year from the date of knowledge of the death

M €

Contracts

M €

%

Contracts

%

Terms of life insurance contracts

Excluding compulsory group contracts taken out by a company


Total amount of capital due/benefits not paid for more than 6 months from the end of the term

M €

Contracts

M €

%

Contracts

%

Bonds and capitalisation contracts

Total amount of capital due and unpaid for more than six months from the end of the term (registered)

M €

Contracts

M €

%

Contracts

%

Total amount of matured capital outstanding for more than six months from the date of maturity (bearer)

M €

Contracts

M €

%

Contracts

%

Compulsory group contracts taken out by a company

Death benefits not paid for more than one year from knowledge of death

M €

Contracts

M €

%

Contracts

%

Contracts for which the annuity or capital sum has not been requested at maturity when the insured has reached the age of 62

M €

Contracts

M €

%

Contracts

%

Contracts for which the annuity or capital sum has not been requested at maturity when the insured has reached the age of 65

M €

Contracts

M €

%

Contracts

%

Contracts for which the annuity or capital sum has not been requested at maturity when the insured has reached the age of 70

M €

Contracts

M €

%

Contracts

%

Voluntary group contracts

Contracts for which the annuity or capital sum has not been requested at maturity when the insured has reached the age of 62

M €

Contracts

M €

%

Contracts

%

Contracts for which the annuity or capital sum has not been requested at maturity when the insured has reached the age of 65

M €

Contracts

M €

%

Contracts

%

Contracts for which the annuity or capital sum has not been requested at maturity when the insured has reached the age of 70

M €

Contracts

M €

%

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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