Life insurance: how do you know if you are a beneficiary of a deceased insured?

Verified 09 July 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Anyone can ask if they have been designated as beneficiary a life insurance contract.

If you wish to do so, you must provide proof of the death of the person who signed the contract.

You can do this on the Internet or by mail.

On the Internet

You must use the following online service:

Request a search for life insurance beneficiaries

By mail

You can use one of the following document templates:

Know if you have life insurance

You should send your mail to the Insurance Risk Information Management Association (Agira):

Who shall I contact

  • Insurance Risk Information Management Association (Agira)

    Organizes the search for unclaimed life insurance contracts in the event of the death of the policyholder.

    By mail

    1 Jules Lefebvre Street

    75431 Paris Cedex 09

Within 15 days of receiving the request, the Agira must inform the insurance companies of the death of the insured.

When the search has found beneficiaries, insurance companies have 15 days from the receipt of the death notice to ask them to provide the documents necessary for the payment of the principal.

If you are the beneficiary of a contract signed by a deceased person, the insurer must pay you the principal within 1 month after receiving the documents necessary for payment.

After that period, the unpaid capital shall bear interest at the rate of:

  • 16.32% for 2 months
  • 24.48% after the 2-month period

FYI  

the insurer must remit to the Caisse des dépôt et consignments any sums that could not be paid to the beneficiaries within 10 years from the day on which he became aware of the death, or within 10 days from the end of the contract.

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