Our experts – notaries, taxpiens, specialists in investments – support you on all your financial concerns, whether inheritance, investment or taxation. Today, Stéphane Van Huffel, SVH Consulting, responds to Jean-Claude, who asked for the total repurchase of a life insurance contract in the amount of 4,500 euros, without obtaining a response from his insurer. The Expert is reassuring: “For me, it’s a setback. In the era of digitalization, life insurance repurchase is carried out in principle in 10 to 15 days, it is a product which has become almost liquid. ” However, he recalls that the law provides for a strict framework. “The maximum legal deadline for a life insurance repurchase is two months (article L132-21 of the insurance code), but certain general or specific conditions of the contract may shorten this period.” The capital requested in the context of a takeover is due to saversi Jean-Claude does not receive his funds, several explanations are possible: “He must verify that his insurer has all his bank and postal contact details. A redemption can be blocked for administrative reasons, which does not help the insurer, because it is legally required to honor the request and must pay penalties beyond two months, “recalls Stéphane Van Huffel. The wealth management expert insists that the insurer cannot retain the funds indefinitely: “Your money is due to you, Jean-Claude. As soon as your repurchase request, the insurer has the obligation to pay you. “If the situation does not unlock quickly, there is a solution before considering a legal appeal:” You can get closer to the insurance mediator before entering into conflict. In 9 out of 10 cases, this is a technical problem, like a RIB that does not pass, and the money is simply blocked on the insurer’s account, ”reassures the expert. In conclusion, the repurchase of life insurance must be carried out within a reasonable time, generally within two months. In the event of delay, it is better to start by checking its banking information and, if necessary, enter the mediator to quickly resolve the situation. Read also: succession: “How do you know if you are designated as heir?” Ask our questions to our experts a question about your investments, a succession, your taxes or your real estate investments? Each month, we select several and submit them to our experts who will enlighten you on all the subjects that affect your money. To ask them your questions, an address: question@capital.fr Receive our latest news each week, the flagship items to support your personal finances. (tagstotranslate) The big meeting of the u00e9Pargne
Credit-Read More
// Function to fetch the latest posts
function fetchLatestPosts() {
const feedUrl = ‘https://newskiosk.pro/feed/’; // Replace with your blog’s RSS feed URL
fetch(feedUrl)
.then(response => response.text())
.then(str => new window.DOMParser().parseFromString(str, “text/xml”))
.then(data => {
const items = Array.from(data.querySelectorAll(“item”));
const latestPostsContainer = document.getElementById(“latest-posts”);
latestPostsContainer.innerHTML = ”; // Clear previous posts
// Shuffle the items array
const shuffledItems = items.sort(() => Math.random() – 0.5);
// Select the first 5 items from the shuffled array
const selectedItems = shuffledItems.slice(0, 5);
Random Latest Posts Display // Loop through the selected items and display them
selectedItems.forEach(post => {
const link = post.querySelector(“link”).textContent;
const description = post.querySelector(“description”).textContent;
// Create a new post element
const postElement = document.createElement(“div”);
postElement.classList.add(“latest-post”);
postElement.innerHTML = `
${description} Read more
`;
// Append the new post element to the container
latestPostsContainer.appendChild(postElement);
});
})
.catch(error => console.error(‘Error fetching the latest posts:’, error));
}
// Call the function to fetch and display the latest posts
fetchLatestPosts();
