{"id":3941,"date":"2022-02-04T10:48:04","date_gmt":"2022-02-04T09:48:04","guid":{"rendered":"https:\/\/apcal.lu\/?p=3941"},"modified":"2024-06-03T17:40:50","modified_gmt":"2024-06-03T15:40:50","slug":"reflexion-sur-lassurance-vie-et-la-situation-juridique-du-courtier-en-cas-de-deces-de-lassure-perimetre-daction-du-professionnel-et-precautions","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/reflexion-sur-lassurance-vie-et-la-situation-juridique-du-courtier-en-cas-de-deces-de-lassure-perimetre-daction-du-professionnel-et-precautions\/","title":{"rendered":"Quid du courtier en cas de d\u00e9c\u00e8s de l’assur\u00e9 d’un contrat d’assurance sur la vie"},"content":{"rendered":"

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Quid du r\u00f4le du courtier en cas de d\u00e9c\u00e8s de l’assur\u00e9 d’un contrat d\u2019assurance-vie ?<\/b><\/h1>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/Secret-professionnel.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbSecret professionnel\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb899.7px\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbContexte\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Contexte<\/h2>\n

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Notre client vient de d\u00e9c\u00e9der et rares ne sont pas les occasions o\u00f9 le courtier luxembourgeois est contact\u00e9 par des h\u00e9ritiers de notre suppos\u00e9 client ou un notaire qu\u2019il soit Luxembourgeois ou \u00e9tranger. Pour n\u2019en reprendre que les plus l\u00e9gitimes, leur objectif est souvent d\u2019obtenir des informations sur un (\u00e9ventuel) contrat d\u2019assurance-vie stipul\u00e9 en leur faveur ou afin de permettre le calcul de la r\u00e9serve h\u00e9r\u00e9ditaire.<\/p>\n

Dans de tels contextes, le r\u00e9flexe de bonne foi (et commercial) du courtier pourrait \u00eatre de remettre les informations demand\u00e9es \u00e0 l\u2019interlocuteur.<\/p>\n

Ainsi, la responsabilit\u00e9 p\u00e9nale d\u2019un courtier pourrait-elle \u00eatre engag\u00e9e en l\u2019absence d\u2019un mandat de recherche de la part de l\u2019entreprise d\u2019assurance? La divulgation de bonne foi<\/em> de la part du courtier semble en effet ouvrir la voie \u00e0 de nombreux d\u00e9bats et \u00e0 une ins\u00e9curit\u00e9 juridique en d\u00e9faveur du courtier. Il faut se rappeler que notre secret professionnel d’assurance est une disposition d’ordre public, \u00e0 caract\u00e8re p\u00e9nal et aux applications restrictives.<\/p>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/Contrat-dassurance-vie.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners Graphique\u00a0\u00bb title_text=\u00a0\u00bbContrat-dassurance-vie\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_divider color=\u00a0\u00bbrgba(120,134,162,0.3)\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb30%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_text admin_label=\u00a0\u00bbStipulation pour autrui, mandat de courtage: cadre contractuel\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Stipulation pour autrui, mandat de courtage: cadre contractuel<\/h2>\n

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Analysons la situation d\u2019un point de vue juridique.<\/p>\n

Tout d\u2019abord, l’entreprise d\u2019assurance-vie et le courtier d’assurance-vie op\u00e8rent dans des cadres contractuels bien diff\u00e9rents. En effet, d\u2019une part l\u2019assureur \u00e9volue dans une construction juridique appel\u00e9e la stipulation pour autrui<\/em><\/strong> alors que le courtier \u00e9volue, lui, dans le cadre du mandat de courtage<\/em><\/strong> qu\u2019il re\u00e7oit du preneur d\u2019assurance.<\/p>\n

Dans la stipulation pour autrui<\/em><\/strong>, le Stipulant<\/em> (Preneur<\/em>) demande au Promettant<\/em> (Assureur-Vie<\/em>) d’agir en faveur d’un B\u00e9n\u00e9ficiaire<\/em> (un Tiers<\/em>) au moment du d\u00e9c\u00e8s de l’assur\u00e9.<\/p>\n

En revanche, le courtier re\u00e7oit un mandat par lequel le client, futur Stipulant<\/em>, demande au Courtier d’assurance de l’assister dans le choix et l\u2019administration d’un contrat d\u2019assurance sur la vie (la Stipulation pour autrui<\/em>).<\/p>\n

Cette diff\u00e9rence est fondamentale pour comprendre que selon le mandat de courtage, la mission du courtier d’assurance pourrait bien prendre fin au d\u00e9c\u00e8s du dernier assur\u00e9. En aucun cas, les b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s ne sont contractuellement li\u00e9s par le mandat de courtage donn\u00e9 par le preneur d’assurance. Ce n’est \u00e9ventuellement que dans le cas d’une acceptation du b\u00e9n\u00e9fice du contrat de la part du b\u00e9n\u00e9ficiaire<\/em> que ce dernier pourrait entrer dans le p\u00e9rim\u00e8tre contractuel du mandat de courtage. A cet effet, d\u2019ailleurs, il convient de rappeler qu\u2019il sera opportun pour le courtier d\u2019appliquer ses obligations de vigilance et d\u2019audit anti-blanchiment sur ce b\u00e9n\u00e9ficiaire acceptant<\/em> avant l\u2019entr\u00e9e en relation<\/em><\/u>. En effet, m\u00eame si les termes du R\u00e8glement du Commissariat aux Assurances<\/em> nr. 20\/03 obligent les professionnels<\/em> \u00e0 v\u00e9rifier l’identit\u00e9 des b\u00e9n\u00e9ficiaires au plus tard<\/u> lors de la prestation d\u2019assurance (le cas de d\u00e9c\u00e8s), il n\u2019en reste pas moins que l\u2019acceptation du b\u00e9n\u00e9ficiaire <\/em>lui donne des droits sur le contrat d\u2019assurance-vie et peut-\u00eatre aussi sur le mandat de courtage d\u00e8s lors que le Preneur ait exprim\u00e9 dans ses besoins et n\u00e9cessit\u00e9s<\/em> le d\u00e9sir d\u2019une planification successorale. C\u2019est une mani\u00e8re de ramener dans la recommandation personnelle<\/em> (obligatoire) du courtier les \u00e9l\u00e9ments relatifs \u00e0 l\u2019identification des b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s. Ainsi donc, nous assisterions \u00e0 une courtagisation<\/em>[1]<\/a> du b\u00e9n\u00e9ficiaire acceptant<\/em>. Ne sera-t\u2019il pas, d\u00e8s lors, n\u00e9cessaire de requ\u00e9rir l\u2019autorisation du b\u00e9n\u00e9ficiaire acceptant<\/em> en cas de modification demand\u00e9e par le Stipulant<\/em>\/Preneur de ses besoins et n\u00e9cessit\u00e9s\u00a0? Il y a donc un impact juridique sur le contrat de courtage.<\/p>\n

D\u00e8s lors, en cas de d\u00e9c\u00e8s de l\u2019assur\u00e9 et en l\u2019absence de b\u00e9n\u00e9ficiaire acceptant<\/em>, fort est de constater que la mission de courtage prend fin et que le courtier devient un tiers dans la gestion de la prestation que l\u2019entreprise d\u2019assurance-vie doit au(x) b\u00e9n\u00e9ficiaire(s).<\/p>\n

Les parties encore engag\u00e9es \u00e0 ce stade sont le(s) b\u00e9n\u00e9ficiaire(s) et l\u2019entreprise d\u2019assurance-vie. Le(s) b\u00e9n\u00e9ficiaire(s) re\u00e7oive(nt) un droit contre la partie prometteuse (l’assureur-vie) et non contre le courtier d’assurance.<\/p>\n

Par cons\u00e9quent, en toute contradiction avec une logique commerciale mais en application des r\u00e8gles juridiques, il pourrait \u00eatre ind\u00e9licat, pour le courtier, d\u2019intervenir aupr\u00e8s de b\u00e9n\u00e9ficiaire(s) apr\u00e8s le d\u00e9c\u00e8s de l\u2019assur\u00e9.<\/p>\n

[1]<\/a> Terme du r\u00e9dacteur pour indiquer qu\u2019un courtier acquiert une obligation d\u2019analyse de cet \u00e9l\u00e9ment dans sa recommandation personnelle.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLa loi en d\u00e9sh\u00e9rence: quel impact ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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La loi en d\u00e9sh\u00e9rence: quel impact ?<\/h2>\n<\/div>\n<\/div>\n<\/div>\n

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En ce sens aussi, le projet de loi n\u00b0 7348 relative aux comptes inactifs, aux coffres-forts inactifs et aux contrats d\u2019assurance en d\u00e9sh\u00e9rence<\/em> d\u00e9pos\u00e9 \u00e0 la Chambre des D\u00e9put\u00e9s le 30 octobre 2018 ne mentionne que les entreprises d\u2019assurance sans tenir compte de la position du courtier lorsqu\u2019il s\u2019agit de rechercher le(s) b\u00e9n\u00e9ficiaire(s) et de leur d\u00e9livrer la prestation d’assurance. Le texte stipule en son article 22 (4) \u00ab Aux fins des recherches compl\u00e9mentaires pr\u00e9vues par la pr\u00e9sente loi, les entreprises d<\/em>\u2019<\/em>assurance peuvent recourir aux services de tiers qui sont soumis par la loi <\/strong><\/em>\u00e0 <\/em><\/strong>une obligation de secret professionnel<\/em><\/strong> ou qui sont li\u00e9s par un accord de confidentialit\u00e9 \u00e9<\/em>crit.<\/em><\/p>\n

Dans ce cas, la transmission au tiers d\u2019informations strictement n\u00e9cessaires <\/em>\u00e0 l\u2019<\/em>accomplissement des recherches compl\u00e9mentaires ne constitue pas une violation par l\u2019entreprise d\u2019assurance de son obligation au secret professionnel<\/em>.\u201d[1]<\/sup><\/a><\/p>\n

Le courtier trouverait donc bien une place dans la recherche et le contact avec les b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s uniquement sur initiative de l\u2019entreprise d\u2019assurance.<\/p>\n

Il est donc important de souligner ici encore combien il serait utile, pour le courtier et l\u2019assureur, dans le contexte normatif actuel et lors d\u2019un d\u00e9c\u00e8s d\u2019assur\u00e9s d\u00e9clenchant la prestation d\u2019assurance, que le courtier obtienne un mandat ou une l\u00e9gitimation de la part de l\u2019assureur afin de trouver et contacter les b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s. Ceci prot\u00e9gerait davantage le courtier \u2013 et l\u2019assureur – dans cette d\u00e9marche contre d\u2019\u00e9ventuels recours d\u2019une personne l\u00e9s\u00e9e sur base de l\u2019article 300 de la loi sur le secteur des assurances du 7 d\u00e9cembre 2015.<\/p>\n

[1]<\/sup><\/a> Le texte final pourra diff\u00e9rer de cette version initiale.<\/p>\n

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Conclusion<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Tentons maintenant de r\u00e9pondre \u00e0 notre casus initial. Le courtier peut-il donner des informations sur un contrat d\u2019assurance-vie \u00e0 des h\u00e9ritiers ou un notaire?<\/p>\n

A en lire les textes de lois relevants, rien n\u2019est moins certain.<\/p>\n

En effet,<\/p>\n

Art. 300 (1) Les personnes physiques et morales \u00e9tablies au Grand-Duch\u00e9 de Luxembourg, soumises <\/em>\u00e0 <\/em>la surveillance prudentielle du CAA \u2026 sont oblig\u00e9es de garder secrets les renseignements confi\u00e9<\/strong><\/em>s \u00e0 <\/em><\/strong>eux dans l<\/em><\/strong>\u2019<\/em><\/strong>exercice de leur mandat ou dans le cadre de leur activit\u00e9 professionnelle<\/em><\/strong>, ..<\/em> La r\u00e9<\/em>v<\/em>\u00e9lation de tels renseignements est punie des peines pr\u00e9<\/strong><\/em>vues <\/em><\/strong>\u00e0 <\/em><\/strong>l’article 458 du Code p\u00e9<\/em><\/strong>nal<\/em><\/strong>.<\/em><\/p>\n

Art. 300 (2) L’obligation au secret n<\/strong><\/em>\u2019<\/em><\/strong>existe pas<\/em><\/strong> lorsque la r\u00e9<\/em>v<\/em>\u00e9lation d’un renseignement est .. n\u00e9cessaire dans le cadre de l’ex\u00e9cution de bonne foi des engagements d\u00e9coulant des contrats d’assurance <\/strong>..<\/em><\/p>\n

Art. 300 (10) La violation du secret demeure punissable alors m<\/strong><\/em>\u00ea<\/em><\/strong>me que<\/em><\/strong> la charge, le mandat<\/strong>, l’emploi ou l’exercice de la profession a pris fin<\/strong><\/em>.<\/em><\/p>\n

Ainsi, la responsabilit\u00e9 p\u00e9nale d\u2019un courtier pourrait \u00eatre engag\u00e9e en l\u2019absence d\u2019un mandat de recherche de la part de l\u2019entreprise d\u2019assurance. La divulgation de bonne foi<\/em> de la part du courtier semble en effet ouvrir la voie \u00e0 de nombreux d\u00e9bats et \u00e0 une ins\u00e9curit\u00e9 juridique en d\u00e9faveur du courtier. Il faut se rappeler que notre secret professionnel d’assurance est une disposition d’ordre public, \u00e0 caract\u00e8re p\u00e9nal et aux applications restrictives.<\/p>\n

Privil\u00e9gions donc le dialogue avec l\u2019assureur \u00e0 d\u00e9faut de dispositions l\u00e9gales diff\u00e9rentes.<\/p>\n

NB\u00a0: l\u2019article n\u2019engage que son auteur et ne repr\u00e9sente pas l\u2019avis de l\u2019APCAL ou de tout autre op\u00e9rateur. Il ne repr\u00e9sente pas non plus un avis juridique circonstanci\u00e9 mais n\u2019est que le partage d\u2019une r\u00e9flexion.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbTakeaways\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Takeaways<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

    \n
  • Best practice: Obtenir un mandat de recherche<\/em> de la part de l\u2019assureur d\u00e8s que le courtier a pris connaissance du d\u00e9c\u00e8s d\u2019un assur\u00e9.<\/li>\n
  • Invitez vos interlocuteurs \u00e0 retourner toute demande d\u2019information concernant un contrat d\u2019assurance-vie \u00e0 qui peut les divulguer (r\u00e9f\u00e9rez-vous \u00e0 des statuts comme par exemple \u00ab\u00a0un assureur\u00a0\u00bb, \u00ab\u00a0une banque\u00a0\u00bb).<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/Lorenzo-S-2-300×300.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbLorenzo S (2)\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

    Lorenzo Stipulante<\/strong><\/p>\n

    Juriste, Membre du Conseil d’Administration de l’APCAL depuis octobre 2020, tout particuli\u00e8rement impliqu\u00e9 dans le P\u00f4le juridique, LBC\/FT et Compliance, il est aussi formateur au sein de notre association.<\/p>\n

    Lorenzo a un esprit d’entreprise aigu et une belle \u00e9nergie. Il additionne \u00e0 un parcours universitaire en droit une expertise sur la conformit\u00e9 r\u00e9glementaire et \u00e0 la lutte LBC\/FT.<\/p>\n

    Il a d\u00e9velopp\u00e9 des comp\u00e9tences et un savoir-faire uniques m\u00ealant, au fil des ann\u00e9es, des fonctions commerciales, des fonctions de direction et des fonctions juridiques. Ses comp\u00e9tences transversales se d\u00e9veloppent dans les aspects r\u00e8glementaires de la finance et de la banque assurance.<\/p>\n

     <\/p>\n

      \n
    • @ lstipulante@gmail.com<\/li>\n<\/ul>\n

      [\/et_pb_text][et_pb_social_media_follow _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_social_media_follow_network social_network=\u00a0\u00bblinkedin\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.linkedin.com\/in\/lorenzo-stipulante-216b241\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#007bb6″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb follow_button=\u00a0\u00bboff\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb]linkedin[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_module=\u00a0\u00bb448″ saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbPlatinium\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

      Sponsors Platinium<\/h3>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3″ admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb10px||70px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/bda.png\u00a0\u00bb alt=\u00a0\u00bbBDA\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25″ url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbBDA\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/bil.png\u00a0\u00bb alt=\u00a0\u00bbBil\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25″ url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbBIL\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/cardif-lux-vie.png\u00a0\u00bb alt=\u00a0\u00bbcardif lux vie\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25″ url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbCARDIF\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3″ admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb 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_builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png\u00a0\u00bb alt=\u00a0\u00bbSogelife 2023″ title_text=\u00a0\u00bbsogelife-25″ url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbSogelife 25″ _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2024\/01\/swiss-life.png\u00a0\u00bb alt=\u00a0\u00bbSwiss Life\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25″ url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbSWISSLIFE\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text 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      Sponsors Gold<\/h3>\n

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      R\u00e9flexion et analyse sur l\u2019assurance-vie et la situation juridique du courtier en cas de d\u00e9c\u00e8s de l\u2019assur\u00e9<\/p>\n","protected":false},"author":4,"featured_media":3939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[25,1],"tags":[],"class_list":["post-3941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"\nQuid du courtier en cas de d\u00e9c\u00e8s de l'assur\u00e9 d'un contrat d'assurance sur la vie - Apcal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apcal.lu\/fr\/reflexion-sur-lassurance-vie-et-la-situation-juridique-du-courtier-en-cas-de-deces-de-lassure-perimetre-daction-du-professionnel-et-precautions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quid du courtier en cas de d\u00e9c\u00e8s de l'assur\u00e9 d'un contrat d'assurance sur la vie - 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