{"id":5291,"date":"2022-09-02T13:52:31","date_gmt":"2022-09-02T11:52:31","guid":{"rendered":"https:\/\/apcal.lu\/fr\/?p=5291"},"modified":"2023-08-17T16:55:33","modified_gmt":"2023-08-17T14:55:33","slug":"demembrement-france-or","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/demembrement-france-or\/","title":{"rendered":"Le d\u00e9membrement: une notion clef pour l\u2019assurance vie en France"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbH1 &#8211; titre du post\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#55547D\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1>Le d\u00e9membrement: une notion clef pour l&rsquo;assurance vie en France<\/h1>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/09\/demembrement.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbd\u00e9membrement\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.17.6&Prime; _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&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbIntroduction\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Qu&rsquo;est-ce que le d\u00e9membrement de propri\u00e9t\u00e9? Et quelle est son application \u00e0 l\u2019assurance-vie en France? L&rsquo;APCAL interview <strong>Ma\u00eetre\u00a0Olivier Roum\u00e9lian, Avocat associ\u00e9 du cabinet Art\u00e9sia \u00e0 Paris, <\/strong>pour comprendre cette notion d&rsquo;ing\u00e9nierie patrimoniale clef.<\/h3>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbAPCAL : Me ROUMELIAN, vous \u00eates avocat de droit fran\u00e7ais. En quoi le d\u00e9membrement de propri\u00e9t\u00e9 est-il si important dans le domaine de l\u2019assurance vie ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><strong>APCAL\u00a0:<\/strong> Me ROUMELIAN, vous \u00eates avocat de droit fran\u00e7ais. En quoi le d\u00e9membrement de propri\u00e9t\u00e9 est-il si important dans le domaine de l\u2019assurance vie\u00a0?<\/h4>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbMe Roum\u00e9lian\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Me ROUMELIAN<\/strong> : En droit fran\u00e7ais, la pleine propri\u00e9t\u00e9 d\u2019un bien est compos\u00e9e de deux parties qui peuvent \u00eatre divis\u00e9es : l\u2019usufruit et la nue-propri\u00e9t\u00e9. C\u2019est le code civil qui r\u00e9git ces deux notions. Le code g\u00e9n\u00e9ral des imp\u00f4ts a \u00e9galement apport\u00e9 des pr\u00e9cisions qu\u2019elles soient g\u00e9n\u00e9rales ou bien applicables sp\u00e9cifiquement \u00e0 l\u2019assurance vie.<\/p>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbAPCAL : Le recours au d\u00e9membrement de propri\u00e9t\u00e9 est donc important sur le plan fiscal.\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"ac_paragraph\">\n<h4 class=\"Pardfaut\"><strong>APCAL :<\/strong> Le recours au d\u00e9membrement de propri\u00e9t\u00e9 est donc important sur le plan fiscal.<\/h4>\n<\/div>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbMe Roum\u00e9lian\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"ac_paragraph\">\n<p><strong>Me ROUMELIAN<\/strong> : C\u2019est exact mais pas uniquement. Le d\u00e9membrement de propri\u00e9t\u00e9 peut intervenir \u00e0 la souscription comme au niveau de la clause b\u00e9n\u00e9ficiaire. Le recours \u00e0 cette technique permet de g\u00e9rer au mieux les int\u00e9r\u00eats de diff\u00e9rentes personnes : l\u2019usufruitier et le ou les nus-propri\u00e9taires qui peuvent \u00eatre le conjoint, le ou les enfants, voire le ou les petits-enfants de l\u2019usufruitier<\/p>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbAPCAL : On comprend qu\u2019il s\u2019agit d\u2019une technique complexe qui n\u00e9cessite du savoir-faire.\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"page\" title=\"Page 2\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<h4><strong>APCAL\u00a0: <\/strong>On comprend qu\u2019il s\u2019agit d\u2019une technique complexe qui n\u00e9cessite du savoir-faire.<\/h4>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbMe Roum\u00e9lian\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Me ROUMELIAN\u00a0: <\/strong>Comme pour tout travail effectu\u00e9 sur-mesure, avant de conseiller puis de mettre en place un d\u00e9membrement de propri\u00e9t\u00e9 au sein d\u2019un contrat d\u2019assurance vie ou bien d\u2019un contrat de capitalisation, il est essentiel de recourir aux services d\u2019un professionnel qui pourra r\u00e9diger les clauses appropri\u00e9es \u00e0 la situation de toutes les parties.<\/p>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbAPCAL : Me ROUMELIAN, merci pour ces \u00e9claircissements et rendez-vous les 22 et 30 septembre 2022 pour votre formation en ligne\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"ac_paragraph\">\n<h4><strong>APCAL\u00a0: <\/strong>Me ROUMELIAN, merci pour ces \u00e9claircissements et rendez-vous les 22 et 30 septembre 2022 pour votre formation en ligne<\/h4>\n<p>&nbsp;<\/p>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbMe Roum\u00e9lian\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Me ROUMELIAN\u00a0: <\/strong>Avec plaisir\u00a0!<\/p>\n<p>[\/et_pb_text][et_pb_divider admin_label=\u00a0\u00bbS\u00e9parateur\u00a0\u00bb _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_text admin_label=\u00a0\u00bbNotre expert\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.6&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Notre expert<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/09\/CabinetArtesia_OlivierRoumelian\u252cADLV_02_OK-7-scaled.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbOlivier Roum\u00e9lia\u00a0\u00bb admin_label=\u00a0\u00bbImage\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.6&Prime; _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 admin_label=\u00a0\u00bbOlivier\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<strong>Me Olivier Roum\u00e9lian, <\/strong>Avocat<\/p>\n<ul>\n<li>@ <a href=\"oroumelian@artesia-legal.com\">oroumelian@artesia-legal.com<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_social_media_follow admin_label=\u00a0\u00bbSuivez-nous sur les r\u00e9seaux sociaux\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.6&Prime; _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\/olivier-roum%C3%A9lian-859a6412a\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#007bb6&Prime; 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_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.6&Prime; _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&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]Ma\u00eetre Roum\u00e9lian est Avocat au Barreau de Paris, form\u00e9 par un DESS de Droit des affaires et fiscalit\u00e9 de Paris II Assas et un DEA Droit des affaires et droit \u00e9conomique Paris I Sorbonne.<\/p>\n<p>Fort de 8 ann\u00e9es d\u2019exp\u00e9rience au sein de cabinets internationaux (PWJF, devenu Landwell) et fran\u00e7ais et de 10 ann\u00e9es en exercice individuel avant de cr\u00e9er le cabinet ARTESIA, il est expert en Assurance vie \u00a0(aspects juridiques et fiscaux, conseil d\u2019assureurs et de souscripteurs ainsi que conseillers en gestion de patrimoine et contentieux, tant en France qu\u2019\u00e0 l\u2019\u00e9tranger (Luxembourg, Liechtenstein\u2026)) mais aussi en Fiscalit\u00e9 corporate, Fiscalit\u00e9 patrimoniale et Assistance juridique \u00e0 la vie de l\u2019entreprise et de l\u2019entrepreneur<\/p>\n<p>Il intervient bien s\u00fbr en tant qu\u2019expert dans le cadre des formations de l\u2019APCAL mais aussi pour l\u2019EFE, l\u2019IFE, l\u2019Institut des Assurances de Lyon et Lexis Nexis.<br \/>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_module=\u00a0\u00bb448&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _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&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\u00bb4.16&Prime; _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<h3>Sponsor Platinium<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3&Prime; _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\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/06\/sogelife.png\u00a0\u00bb alt=\u00a0\u00bbSogelife\u00a0\u00bb title_text=\u00a0\u00bbSogelife\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbMondiale\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _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&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbGold\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _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<h3>Sponsors Gold<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_5,1_5,1_5,1_5,1_5&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb10px||10px||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_5&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/05\/aig-europe-2022.png\u00a0\u00bb alt=\u00a0\u00bbLogo AIG\u00a0\u00bb title_text=\u00a0\u00bbaig europe\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.aig.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAIG\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/allianz-Life-Luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbAllianz\u00a0\u00bb title_text=\u00a0\u00bballianz-Life-Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.allianz.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAllianze\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/arendt-medernach.png\u00a0\u00bb alt=\u00a0\u00bbarendt\u00a0\u00bb title_text=\u00a0\u00bbarendt-medernach\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.arendt.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbArendt\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/axa-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbaxa\u00a0\u00bb title_text=\u00a0\u00bbaxa-luxembourg\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.axa.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAxa\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_5&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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\/baloise-assurances-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbBaloise assurance\u00a0\u00bb title_text=\u00a0\u00bbbaloise-assurances-luxembourg\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.baloise.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbBaloise\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_5,1_5,1_5,1_5,1_5&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; 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Et quelle est son application \u00e0 l\u2019assurance-vie en France? L&rsquo;APCAL interview Ma\u00eetre\u00a0Olivier Roum\u00e9lian, Avocat associ\u00e9 du cabinet Art\u00e9sia \u00e0 Paris, pour comprendre cette notion d&rsquo;ing\u00e9nierie patrimoniale clef.<\/p>\n","protected":false},"author":4,"featured_media":3939,"comment_status":"closed","ping_status":"closed","sticky":true,"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-5291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le d\u00e9membrement: une notion clef pour l\u2019assurance vie en France - 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\/demembrement-france-or\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le d\u00e9membrement: une notion clef pour l\u2019assurance vie en France - Apcal\" \/>\n<meta property=\"og:description\" content=\"Qu&#039;est-ce que le d\u00e9membrement de propri\u00e9t\u00e9? Et quelle est son application \u00e0 l\u2019assurance-vie en France? 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