https://preprod-laroche.delit-dinfluence.fr/index.php/blog/divorce-et-assurance-vie-limpact-discret-mais-reel-du-report-de-la-date-de-dissolution-de-la-communaute

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  -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&rsquo;impact discret mais r&eacute;el du report de la date de dissolution de la communaut&eacute;</span></strong></p>\r\n
    \r\n
    <p><span style="font-size:16px">Le 6 mars 2024, la Cour de cassation a rendu un arr&ecirc;t int&eacute;ressant en mati&egrave;re de droit patrimonial de la famille, particuli&egrave;rement sur les effets du divorce lorsqu&rsquo;un contrat d&rsquo;assurance-vie a &eacute;t&eacute; souscrit pendant le mariage.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Sans r&eacute;volutionner la jurisprudence, cette d&eacute;cision affine encore les contours du r&eacute;gime juridique applicable &agrave; la valeur de rachat d&rsquo;un contrat d&rsquo;assurance-vie, en cas de report judiciaire de la date de dissolution de la communaut&eacute;.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px"><strong>🔍 Le cas d&rsquo;esp&egrave;ce</strong></span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Dans cette affaire, un &eacute;poux avait souscrit un contrat d&rsquo;assurance-vie en 2007, financ&eacute; par des fonds plac&eacute;s sur un PEL.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">L&rsquo;ordonnance de non-conciliation avait &eacute;t&eacute; rendue en 2008, mais le jugement de divorce, prononc&eacute; plusieurs ann&eacute;es plus tard, avait reporté la date de dissolution de la communaut&eacute; &agrave; celle de l&rsquo;ordonnance.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Probl&egrave;me : &agrave; cette date &laquo; avanc&eacute;e &raquo;, le contrat d&rsquo;assurance-vie n&rsquo;existait pas encore.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Qu&rsquo;en est-il alors de la valeur de rachat de ce contrat au jour du partage ?</span></p>\r\n
    \r\n
    <p>&nbsp;</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 r&egrave;gle claire :</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Si un bien est acquis apr&egrave;s la dissolution de la communaut&eacute;, avec des fonds qui n&rsquo;en font plus partie, il est propre. Peu importe que ces fonds aient &eacute;t&eacute; communs avant la dissolution.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Ainsi, m&ecirc;me si les primes avaient &eacute;t&eacute; vers&eacute;es &agrave; partir de fonds qui auraient &eacute;t&eacute; communs sans ce report, la valeur de rachat est propre au souscripteur.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><strong><span style="font-size:16px">🧩 Les cons&eacute;quences pratiques</span></strong></p>\r\n
    \r\n
    <p><span style="font-size:16px">Cette pr&eacute;cision 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 &agrave; partager.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">&Eacute;vitement d&#39;une r&eacute;compense : en l&rsquo;absence de preuve de l&rsquo;utilisation de fonds propres ou indivis appartenant &agrave; l&rsquo;autre &eacute;poux, aucune cr&eacute;ance ne peut &ecirc;tre invoqu&eacute;e.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Neutralit&eacute; fiscale : la valeur de rachat n&rsquo;int&egrave;gre pas l&rsquo;actif taxable de la communaut&eacute;.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><strong><span style="font-size:16px">⚠️ &Agrave; surveiller : cr&eacute;ances entre &eacute;poux</span></strong></p>\r\n
    \r\n
    <p><span style="font-size:16px">La Cour n&rsquo;&eacute;carte pas, pour autant, l&rsquo;hypoth&egrave;se d&rsquo;une cr&eacute;ance en cas de financement du contrat par des fonds propres de l&rsquo;autre &eacute;poux, 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&rsquo;origine des fonds vers&eacute;s :</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Si le contrat a &eacute;t&eacute; aliment&eacute; en tout ou partie avec des fonds propres du conjoint, une cr&eacute;ance peut &ecirc;tre envisag&eacute;e.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Si les fonds &eacute;taient indivis, la jurisprudence admet l&agrave; aussi une cr&eacute;ance possible, sauf clause contraire.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><strong><em><span style="font-size:16px">🧷 En r&eacute;sum&eacute; :</span></em></strong></p>\r\n
    \r\n
    <p><span style="font-size:16px">Une d&eacute;cision qui ne bouleverse pas l&rsquo;&eacute;tat du droit mais confirme l&rsquo;importance strat&eacute;gique du report judiciaire de la date de dissolution de la communaut&eacute;.</span></p>\r\n
    \r\n
    <p><span style="font-size:16px">Elle offre une marge de man&oelig;uvre potentielle dans la gestion du patrimoine en cas de divorce, notamment pour les contrats d&rsquo;assurance-vie.</span></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p><strong><em><span style="font-size:16px">🔗 Pour aller plus loin, consultez l&rsquo;arr&ecirc;t sur L&eacute;gifrance :&nbsp;</span></em></strong><a href="https://www.legifrance.gouv.fr/juri/id/JURITEXT000049261525?dateDecision=&amp;init=true&amp;page=5&amp;query=mariage&amp;searchField=ALL&amp;tab_selection=juri" title="https://www.legifrance.gouv.fr/juri/id/JURITEXT000049261525?dateDecision=&amp;init=true&amp;page=5&amp;query=mariage&amp;searchField=ALL&amp;tab_selection=juri">https://www.legifrance.gouv.fr/juri/id/JURITEXT000049261525?dateDecision=&amp;init=true&amp;page=5&amp;query=mariage&amp;searchField=ALL&amp;tab_selection=juri</a></p>\r\n
    \r\n
    <p>&nbsp;</p>\r\n
    \r\n
    <p>&nbsp;</p>
    """
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    "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"
  ]
]
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:71
Show trace 
[
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/security-csrf/TokenStorage/SessionTokenStorage.php"
    "line" => 71
    "function" => "has"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/security-csrf/CsrfTokenManager.php"
    "line" => 73
    "function" => "getToken"
    "class" => "Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Extension/Csrf/Type/FormTypeCsrfExtension.php"
    "line" => 78
    "function" => "getToken"
    "class" => "Symfony\Component\Security\Csrf\CsrfTokenManager"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/ResolvedFormType.php"
    "line" => 167
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\Csrf\Type\FormTypeCsrfExtension"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Extension/DataCollector/Proxy/ResolvedTypeDataCollectorProxy.php"
    "line" => 111
    "function" => "finishView"
    "class" => "Symfony\Component\Form\ResolvedFormType"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/ResolvedFormType.php"
    "line" => 160
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\DataCollector\Proxy\ResolvedTypeDataCollectorProxy"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Extension/DataCollector/Proxy/ResolvedTypeDataCollectorProxy.php"
    "line" => 111
    "function" => "finishView"
    "class" => "Symfony\Component\Form\ResolvedFormType"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Form.php"
    "line" => 1070
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\DataCollector\Proxy\ResolvedTypeDataCollectorProxy"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/src/Controller/BlogArticleController.php"
    "line" => 80
    "function" => "createView"
    "class" => "Symfony\Component\Form\Form"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 152
    "function" => "show"
    "class" => "App\Controller\BlogArticleController"
    "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"
  ]
]
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:75
Show trace 
[
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/security-csrf/TokenStorage/SessionTokenStorage.php"
    "line" => 75
    "function" => "get"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/security-csrf/CsrfTokenManager.php"
    "line" => 73
    "function" => "getToken"
    "class" => "Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Extension/Csrf/Type/FormTypeCsrfExtension.php"
    "line" => 78
    "function" => "getToken"
    "class" => "Symfony\Component\Security\Csrf\CsrfTokenManager"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/ResolvedFormType.php"
    "line" => 167
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\Csrf\Type\FormTypeCsrfExtension"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Extension/DataCollector/Proxy/ResolvedTypeDataCollectorProxy.php"
    "line" => 111
    "function" => "finishView"
    "class" => "Symfony\Component\Form\ResolvedFormType"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/ResolvedFormType.php"
    "line" => 160
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\DataCollector\Proxy\ResolvedTypeDataCollectorProxy"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Extension/DataCollector/Proxy/ResolvedTypeDataCollectorProxy.php"
    "line" => 111
    "function" => "finishView"
    "class" => "Symfony\Component\Form\ResolvedFormType"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/form/Form.php"
    "line" => 1070
    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\DataCollector\Proxy\ResolvedTypeDataCollectorProxy"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/src/Controller/BlogArticleController.php"
    "line" => 80
    "function" => "createView"
    "class" => "Symfony\Component\Form\Form"
    "type" => "->"
  ]
  [
    "file" => "/home/debian/www/laroche-associes/preproduction/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 152
    "function" => "show"
    "class" => "App\Controller\BlogArticleController"
    "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_COOKIE 
"PHPSESSID=r9uu5p9gmj17brgcign9qcf6pt"
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"
PATH_INFO 
"/blog/divorce-et-assurance-vie-limpact-discret-mais-reel-du-report-de-la-date-de-dissolution-de-la-communaute"
PATH_TRANSLATED 
"/home/debian/www/laroche-associes/preproduction/public/index.php"
PHP_SELF 
"/index.php/blog/divorce-et-assurance-vie-limpact-discret-mais-reel-du-report-de-la-date-de-dissolution-de-la-communaute"
QUERY_STRING 
""
REMOTE_ADDR 
"216.73.216.125"
REMOTE_PORT 
"12325"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1749073424
REQUEST_TIME_FLOAT 
1749073424.6303
REQUEST_URI 
"/index.php/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/2.4.62 (Debian) Server at preprod-laroche.delit-dinfluence.fr Port 443</address>\n"
SERVER_SOFTWARE 
"Apache/2.4.62 (Debian)"
SSL_TLS_SNI 
"preprod-laroche.delit-dinfluence.fr"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,MESSENGER_TRANSPORT_DSN,DATABASE_URL,MAILER_DSN"