https://preprod-laroche.delit-dinfluence.fr/blog/assurancevie-la-cour-de-cassation-confirme-linterdiction-daccroissement-pour-les-clauses-beneficiaires-complexes

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  -id: 69
  -title: "Assurance‑vie : la Cour de Cassation confirme l’interdiction d’accroissement pour les clauses bénéficiaires complexes"
  -content: """
    <p><span style="font-size:16px">📅&nbsp;27 novembre 2025 &mdash; Cass. civ. 2e, n&deg; 24‑12.679</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">La Cour de cassation a rendu un arr&ecirc;t important en mati&egrave;re de&nbsp;clauses b&eacute;n&eacute;ficiaires d&rsquo;assurance‑vie &laquo; complexes &raquo;, en confirmant que la pr&eacute;cision&nbsp;&laquo; par parts &eacute;gales &raquo;&nbsp;exclut&nbsp;tout m&eacute;canisme d&rsquo;accroissement&nbsp;entre b&eacute;n&eacute;ficiaires de m&ecirc;me rang.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">🔍&nbsp;Contexte</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Il n&rsquo;est pas rare qu&rsquo;un b&eacute;n&eacute;ficiaire d&eacute;sign&eacute; dans un contrat d&rsquo;assurance‑vie d&eacute;c&egrave;de avant d&rsquo;avoir accept&eacute; la stipulation pour autrui. Dans ce cas, la question se pose de savoir &agrave; qui revient le b&eacute;n&eacute;fice de la clause :</span></p>\r\n
    \r\n
    <ul>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">aux b&eacute;n&eacute;ficiaires subsidiaires,</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">ou &agrave; la succession du b&eacute;n&eacute;ficiaire d&eacute;c&eacute;d&eacute; ?</span></p>\r\n
    \t</li>\r\n
    </ul>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">📌&nbsp;Situation fr&eacute;quente&nbsp;: un contrat indique plusieurs b&eacute;n&eacute;ficiaires &laquo; par parts &eacute;gales &raquo;. L&rsquo;un des b&eacute;n&eacute;ficiaires meurt avant d&rsquo;avoir accept&eacute;.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">⚖️&nbsp;La position ant&eacute;rieure de la Cour</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Dans des arr&ecirc;ts anciens (1992, 1998), la Cour avait jug&eacute; que si un b&eacute;n&eacute;ficiaire d&eacute;sign&eacute; d&eacute;c&egrave;de avant d&rsquo;accepter, le b&eacute;n&eacute;fice de la stipulation revenait aux b&eacute;n&eacute;ficiaires&nbsp;subsidiaires,&nbsp;<em>et non</em>&nbsp;&agrave; la succession du b&eacute;n&eacute;ficiaire initial.<br />\r\n
    D&rsquo;autres d&eacute;cisions ont nuanc&eacute; cette solution pour les&nbsp;clauses complexes, sans trancher d&eacute;finitivement.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">📍&nbsp;L&rsquo;arr&ecirc;t du 27 novembre 2025</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Dans l&rsquo;affaire jug&eacute;e r&eacute;cemment :</span></p>\r\n
    \r\n
    <ul>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">Le contrat pr&eacute;voyait :<br />\r\n
    \t&laquo; Mon conjoint, &agrave; d&eacute;faut mes enfants par parts &eacute;gales, &agrave; d&eacute;faut mes ayants droit l&eacute;gaux &raquo;.</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">Le conjoint &eacute;tait pr&eacute;d&eacute;c&eacute;d&eacute;&nbsp;&rarr;&nbsp;la clause b&eacute;n&eacute;ficie donc aux enfants&nbsp;par parts &eacute;gales.</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">L&rsquo;un des enfants meurt quelques jours apr&egrave;s le d&eacute;c&egrave;s de l&rsquo;assur&eacute;,&nbsp;sans avoir accept&eacute; la stipulation.</span></p>\r\n
    \t</li>\r\n
    </ul>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">La Cour d&rsquo;appel de Toulouse avait estim&eacute; que la part du b&eacute;n&eacute;ficiaire disparu revenait &agrave; sa s&oelig;ur, au titre d&rsquo;un&nbsp;accroissement.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">➡️&nbsp;La Cour de cassation censure cette analyse.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">✍️&nbsp;La solution juridique</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">La Cour rappelle que :</span></p>\r\n
    \r\n
    <ul>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">La clause b&eacute;n&eacute;ficiaire &laquo; par parts &eacute;gales &raquo; cr&eacute;e&nbsp;deux stipulations pour autrui distinctes.</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">Si un b&eacute;n&eacute;ficiaire d&eacute;c&egrave;de avant d&rsquo;accepter,&nbsp;son b&eacute;n&eacute;fice est transmis &agrave; ses h&eacute;ritiers, sauf clause contraire.</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">Il n&rsquo;y a pas d&rsquo;accroissement&nbsp;au profit des autres b&eacute;n&eacute;ficiaires de m&ecirc;me rang.</span></p>\r\n
    \t</li>\r\n
    </ul>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">➡️&nbsp;Autrement dit :&nbsp;<em>la part du b&eacute;n&eacute;ficiaire pr&eacute;d&eacute;c&eacute;d&eacute; revient &agrave; ses h&eacute;ritiers et non aux co‑b&eacute;n&eacute;ficiaires</em>.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">👉&nbsp;Cette solution &eacute;tait d&eacute;j&agrave; formul&eacute;e dans un arr&ecirc;t de 2008 relatif &agrave; des clauses similaires.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">📌&nbsp;Cons&eacute;quences pratiques</span></p>\r\n
    \r\n
    <ul>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">Les r&eacute;dactions de clauses b&eacute;n&eacute;ficiaires doivent &ecirc;tre&nbsp;tr&egrave;s pr&eacute;cises.</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">L&rsquo;expression&nbsp;&laquo; par parts &eacute;gales &raquo;&nbsp;est d&eacute;terminante : elle exclut l&rsquo;accroissement.</span></p>\r\n
    \t</li>\r\n
    \t<li>\r\n
    \t<p><span style="font-size:16px">En cas de d&eacute;c&egrave;s d&rsquo;un b&eacute;n&eacute;ficiaire avant acceptation, la transmission se fait&nbsp;par voie successorale.</span></p>\r\n
    \t</li>\r\n
    </ul>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px">📖&nbsp;Pour aller plus loin</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">👉&nbsp;Lien vers le texte de l&rsquo;arr&ecirc;t Cass. civ. 2e, 27 novembre 2025, n&deg; 24‑12.679</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><span style="font-size:16px"><strong>REJOIGNEZ-NOUS :</strong></span></p>\r\n
    \r\n
    <p><span style="font-size:16px"><strong>🔵 FACEBOOK :</strong> <a href="https://www.facebook.com/larocheetassociesmelun?locale=fr_FR" title="https://www.facebook.com/larocheetassociesmelun?locale=fr_FR">https://www.facebook.com/larocheetassociesmelun?locale=fr_FR</a></span></p>\r\n
    \r\n
    <p><span style="font-size:16px"><strong>🔴 INSTAGRAM :</strong>&nbsp;<a href="https://www.instagram.com/larocheetassocies.notaires/" title="https://www.instagram.com/larocheetassocies.notaires/">https://www.instagram.com/larocheetassocies.notaires/</a></span></p>\r\n
    \r\n
    <p><span style="font-size:16px">🟡 <strong>LINKEDIN</strong> :&nbsp;<a href="https://www.linkedin.com/company/laroche-associ%C3%A9s-notaires/posts/?feedView=all" title="https://www.linkedin.com/company/laroche-associ%C3%A9s-notaires/posts/?feedView=all">https://www.linkedin.com/company/laroche-associ%C3%A9s-notaires/posts/?feedView=all</a></span></p>
    """
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:88
Show trace 
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:72
Show trace 
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:73
Show trace 
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:74
Show trace 
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:75
Show trace 
[
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    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/autoload_runtime.php"
    "line" => 35
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/public/index.php"
    "line" => 5
    "args" => [
      "/home/debian/www/laroche-associes/preproduction/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:76
Show trace 
[
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/DataCollector/RequestDataCollector.php"
    "line" => 76
    "function" => "getFlashBag"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/Profiler/Profiler.php"
    "line" => 161
    "function" => "collect"
    "class" => "Symfony\Component\HttpKernel\DataCollector\RequestDataCollector"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/EventListener/ProfilerListener.php"
    "line" => 108
    "function" => "collect"
    "class" => "Symfony\Component\HttpKernel\Profiler\Profiler"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/event-dispatcher/Debug/WrappedListener.php"
    "line" => 117
    "function" => "onKernelResponse"
    "class" => "Symfony\Component\HttpKernel\EventListener\ProfilerListener"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 230
    "function" => "__invoke"
    "class" => "Symfony\Component\EventDispatcher\Debug\WrappedListener"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 59
    "function" => "callListeners"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/event-dispatcher/Debug/TraceableEventDispatcher.php"
    "line" => 154
    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 185
    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 173
    "function" => "filterResponse"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 74
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/Kernel.php"
    "line" => 202
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/autoload_runtime.php"
    "line" => 35
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/public/index.php"
    "line" => 5
    "args" => [
      "/home/debian/www/laroche-associes/preproduction/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]

Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"18b1bce5554bf83c8cdfc8efed2236ec"
DATABASE_URL 
"mysql://larocheassocies:CVS94ledwF7WPsty@127.0.0.1:3306/larocheassocies"
MAILER_DSN 
"smtp://web1@delit-dinfluence.fr:5b6n78CQiZ7ZtA4e@ssl0.ovh.net:465"
MESSENGER_TRANSPORT_DSN 
"doctrine://default?auto_setup=0"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
CONTEXT_DOCUMENT_ROOT 
"/home/debian/www/laroche-associes/preproduction/public"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/home/debian/www/laroche-associes/preproduction/public"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_HOST 
"preprod-laroche.delit-dinfluence.fr"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PHP_SELF 
"/index.php"
QUERY_STRING 
""
REMOTE_ADDR 
"216.73.216.122"
REMOTE_PORT 
"47113"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1768015593
REQUEST_TIME_FLOAT 
1768015593.7959
REQUEST_URI 
"/blog/assurancevie-la-cour-de-cassation-confirme-linterdiction-daccroissement-pour-les-clauses-beneficiaires-complexes"
SCRIPT_FILENAME 
"/home/debian/www/laroche-associes/preproduction/public/index.php"
SCRIPT_NAME 
"/index.php"
SERVER_ADDR 
"51.178.143.171"
SERVER_ADMIN 
"webmaster@localhost"
SERVER_NAME 
"preprod-laroche.delit-dinfluence.fr"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache/2.4.65 (Debian) Server at preprod-laroche.delit-dinfluence.fr Port 443</address>\n"
SERVER_SOFTWARE 
"Apache/2.4.65 (Debian)"
SSL_TLS_SNI 
"preprod-laroche.delit-dinfluence.fr"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,MESSENGER_TRANSPORT_DSN,DATABASE_URL,MAILER_DSN"