BlogArticleController :: show
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| _controller | "App\Controller\BlogArticleController::show" |
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| blogArticle | App\Entity\BlogArticle {#721 -id: 18 -title: "Divorce et assurance-vie : l’impact discret mais réel du report de la date de dissolution de la communauté" -content: """ <p><strong><span style="font-size:20px">📚 Divorce et assurance-vie : l’impact discret mais réel du report de la date de dissolution de la communauté</span></strong></p>\r\n \r\n <p><span style="font-size:16px">Le 6 mars 2024, la Cour de cassation a rendu un arrêt intéressant en matière de droit patrimonial de la famille, particulièrement sur les effets du divorce lorsqu’un contrat d’assurance-vie a été souscrit pendant le mariage.</span></p>\r\n \r\n <p><span style="font-size:16px">Sans révolutionner la jurisprudence, cette décision affine encore les contours du régime juridique applicable à la valeur de rachat d’un contrat d’assurance-vie, en cas de report judiciaire de la date de dissolution de la communauté.</span></p>\r\n \r\n <p><span style="font-size:16px"><strong>🔍 Le cas d’espèce</strong></span></p>\r\n \r\n <p><span style="font-size:16px">Dans cette affaire, un époux avait souscrit un contrat d’assurance-vie en 2007, financé par des fonds placés sur un PEL.</span></p>\r\n \r\n <p><span style="font-size:16px">L’ordonnance de non-conciliation avait été rendue en 2008, mais le jugement de divorce, prononcé plusieurs années plus tard, avait reporté la date de dissolution de la communauté à celle de l’ordonnance.</span></p>\r\n \r\n <p><span style="font-size:16px">Problème : à cette date « avancée », le contrat d’assurance-vie n’existait pas encore.</span></p>\r\n \r\n <p><span style="font-size:16px">Qu’en est-il alors de la valeur de rachat de ce contrat au jour du partage ?</span></p>\r\n \r\n <p> </p>\r\n \r\n <p><strong><span style="font-size:16px">⚖️ La solution retenue par la Cour de cassation</span></strong></p>\r\n \r\n <p><span style="font-size:16px">La Cour rappelle une règle claire :</span></p>\r\n \r\n <p><span style="font-size:16px">Si un bien est acquis après la dissolution de la communauté, avec des fonds qui n’en font plus partie, il est propre. Peu importe que ces fonds aient été communs avant la dissolution.</span></p>\r\n \r\n <p><span style="font-size:16px">Ainsi, même si les primes avaient été versées à partir de fonds qui auraient été communs sans ce report, la valeur de rachat est propre au souscripteur.</span></p>\r\n \r\n <p> </p>\r\n \r\n <p><strong><span style="font-size:16px">🧩 Les conséquences pratiques</span></strong></p>\r\n \r\n <p><span style="font-size:16px">Cette précision juridique peut avoir plusieurs impacts concrets :</span></p>\r\n \r\n <p><span style="font-size:16px">Sortie du patrimoine commun : la valeur de rachat ne tombe pas dans la masse à partager.</span></p>\r\n \r\n <p><span style="font-size:16px">Évitement d'une récompense : en l’absence de preuve de l’utilisation de fonds propres ou indivis appartenant à l’autre époux, aucune créance ne peut être invoquée.</span></p>\r\n \r\n <p><span style="font-size:16px">Neutralité fiscale : la valeur de rachat n’intègre pas l’actif taxable de la communauté.</span></p>\r\n \r\n <p> </p>\r\n \r\n <p><strong><span style="font-size:16px">⚠️ À surveiller : créances entre époux</span></strong></p>\r\n \r\n <p><span style="font-size:16px">La Cour n’écarte pas, pour autant, l’hypothèse d’une créance en cas de financement du contrat par des fonds propres de l’autre époux, ou par des fonds indivis.</span></p>\r\n \r\n <p><span style="font-size:16px">Les praticiens doivent donc rester vigilants sur l’origine des fonds versés :</span></p>\r\n \r\n <p><span style="font-size:16px">Si le contrat a été alimenté en tout ou partie avec des fonds propres du conjoint, une créance peut être envisagée.</span></p>\r\n \r\n <p><span style="font-size:16px">Si les fonds étaient indivis, la jurisprudence admet là aussi une créance possible, sauf clause contraire.</span></p>\r\n \r\n <p> </p>\r\n \r\n <p><strong><em><span style="font-size:16px">🧷 En résumé :</span></em></strong></p>\r\n \r\n <p><span style="font-size:16px">Une décision qui ne bouleverse pas l’état du droit mais confirme l’importance stratégique du report judiciaire de la date de dissolution de la communauté.</span></p>\r\n \r\n <p><span style="font-size:16px">Elle offre une marge de manœuvre potentielle dans la gestion du patrimoine en cas de divorce, notamment pour les contrats d’assurance-vie.</span></p>\r\n \r\n <p> </p>\r\n \r\n <p><strong><em><span style="font-size:16px">🔗 Pour aller plus loin, consultez l’arrêt sur Légifrance : </span></em></strong><a href="https://www.legifrance.gouv.fr/juri/id/JURITEXT000049261525?dateDecision=&init=true&page=5&query=mariage&searchField=ALL&tab_selection=juri" title="https://www.legifrance.gouv.fr/juri/id/JURITEXT000049261525?dateDecision=&init=true&page=5&query=mariage&searchField=ALL&tab_selection=juri">https://www.legifrance.gouv.fr/juri/id/JURITEXT000049261525?dateDecision=&init=true&page=5&query=mariage&searchField=ALL&tab_selection=juri</a></p>\r\n \r\n <p> </p>\r\n \r\n <p> </p> """ -image: "06 post laroche divorce1-9218d843-0c78-44ee-954f-650c62290de2.jpg" -video: null -createdAt: DateTime @1748869707 {#724 : 2025-06-02 15:08:27.0 Europe/Paris (+02:00) } -updatedAt: DateTime @1748961140 {#723 : 2025-06-03 16:32:20.0 Europe/Paris (+02:00) } -category: Proxies\__CG__\App\Entity\BlogCategory {#699 …} -isEnabled: true -slug: "divorce-et-assurance-vie-limpact-discret-mais-reel-du-report-de-la-date-de-dissolution-de-la-communaute" } |
| slug | "divorce-et-assurance-vie-limpact-discret-mais-reel-du-report-de-la-date-de-dissolution-de-la-communaute" |
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|
Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:72
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|
Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:73
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|
Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:74
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|
Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:75
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|
Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:76
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|
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 | "216.73.216.135" |
| REMOTE_PORT | "16649" |
| REQUEST_METHOD | "GET" |
| REQUEST_SCHEME | "https" |
| REQUEST_TIME | 1762019839 |
| REQUEST_TIME_FLOAT | 1762019839.5526 |
| REQUEST_URI | "/blog/divorce-et-assurance-vie-limpact-discret-mais-reel-du-report-de-la-date-de-dissolution-de-la-communaute" |
| 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" |