Dans l\u2019affaire qu\u2019elle a \u00e9t\u00e9 amen\u00e9e \u00e0 juger, la Cour de cassation devait statuer sur la r\u00e9sidence habituelle d\u2019un retrait\u00e9 fran\u00e7ais qui avait choisi de s\u2019\u00e9tablir au Portugal avec sa seconde \u00e9pouse ; la mis\u00e8re \u00e9tant \u00e0 coup s\u00fbr moins p\u00e9nible au soleil a fortiori pour une personne ayant souscrit en libre prestation de services aupr\u00e8s d\u2019un assureur luxembourgeois un contrat d\u2019assurance vie aliment\u00e9 par une prime de pr\u00e8s de six millions d\u2019euros.<\/p>\n
Si l\u2019on inclut les binationaux, le nombre de Fran\u00e7ais \u00e9tablis au Portugal est estim\u00e9 \u00e0 plus de trente mille. Les raisons qui expliquent que cette destination s\u00e9duit autant les Fran\u00e7ais tiennent au cadre de vie, voire \u00e0 la recherche d\u2019avantages civils et\/ou fiscaux.<\/p>\n
Au cas d\u2019esp\u00e8ce, le d\u00e9funt avait notamment d\u00e9pos\u00e9 un testament aupr\u00e8s d\u2019un notaire portugais par lequel il avait institu\u00e9 son \u00e9pouse h\u00e9riti\u00e8re de sa quotit\u00e9 disponible et fait le choix de la loi portugaise pour r\u00e9gir sa succession.<\/p>\n
A noter que les diff\u00e9rents avantages fiscaux consentis depuis 2009 devraient disparaitre dans un futur proche ; les exon\u00e9rations d\u00e9j\u00e0 accord\u00e9es restant toutefois en vigueur.<\/p>\n<\/div>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb2. La notion de r\u00e9sidence habituelle\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n
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Soutenant que le de cujus<\/em> avait sa r\u00e9sidence habituelle en France au jour de son d\u00e9c\u00e8s, ses deux filles n\u00e9es d\u2019un premier lit, repr\u00e9sent\u00e9es par leur m\u00e8re agissant en sa qualit\u00e9 de tutrice, ont assign\u00e9 la veuve du d\u00e9funt en partage de la succession devant une juridiction fran\u00e7aise. Elles ont \u00e9galement assign\u00e9 en intervention forc\u00e9e les autres b\u00e9n\u00e9ficiaires du contrat d’assurance vie. L’assureur luxembourgeois est, quant \u00e0 lui, intervenu volontairement \u00e0 l’instance.<\/p>\nDans cette affaire, la Cour d\u2019appel d\u2019Aix-en-Provence avait jug\u00e9 qu\u2019au jour de son d\u00e9c\u00e8s, le d\u00e9funt n\u2019avait pas \u00e9tabli de mani\u00e8re stable et effective sa r\u00e9sidence habituelle au Portugal, l\u2019objectif poursuivi \u00e9tant de voir appliquer la loi portugaise \u00e0 sa succession. En cons\u00e9quence, c\u2019est donc bien un tribunal judiciaire fran\u00e7ais qui devait \u00eatre comp\u00e9tent pour conna\u00eetre dudit litige successoral.<\/p>\n
En r\u00e9ponse aux pourvois qui lui ont \u00e9t\u00e9 transmis, conform\u00e9ment \u00e0 sa jurisprudence, la Cour de cassation a \u00e9nonc\u00e9 qu\u2019aux termes de l’article 4 du r\u00e8glement (UE) n\u00b0 650\/2012 du Parlement europ\u00e9en et du Conseil du 4 juillet 2012 relatif \u00e0 la comp\u00e9tence, la loi applicable, la reconnaissance et l’ex\u00e9cution des actes authentiques en mati\u00e8re de successions et \u00e0 la cr\u00e9ation d’un certificat successoral europ\u00e9en, les juridictions de l’Etat membre, dans lequel le d\u00e9funt avait sa r\u00e9sidence habituelle au moment de son d\u00e9c\u00e8s, sont comp\u00e9tentes pour statuer sur l’ensemble de sa succession.<\/p>\n<\/div>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb3. Un lien \u00e9troit et stable avec l\u2019Etat de r\u00e9sidence\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n
3. Un lien \u00e9troit et stable avec l\u2019Etat de r\u00e9sidence<\/h4>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbR\u00e9ponse\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n
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Selon le consid\u00e9rant 23 de ce r\u00e8glement, compte tenu de la mobilit\u00e9 croissante des citoyens, afin de d\u00e9terminer la r\u00e9sidence habituelle, l’autorit\u00e9 charg\u00e9e de la succession doit proc\u00e9der \u00e0 une \u00e9valuation d’ensemble des circonstances de la vie du d\u00e9funt au cours des ann\u00e9es pr\u00e9c\u00e9dant son d\u00e9c\u00e8s et au moment de son d\u00e9c\u00e8s, prenant en compte tous les \u00e9l\u00e9ments de fait pertinents, notamment la dur\u00e9e et la r\u00e9gularit\u00e9 de la pr\u00e9sence du d\u00e9funt dans l’\u00c9tat concern\u00e9 ainsi que les conditions et les raisons de cette pr\u00e9sence, la r\u00e9sidence habituelle ainsi d\u00e9termin\u00e9e devant r\u00e9v\u00e9ler un lien \u00e9troit et stable avec l’\u00c9tat concern\u00e9, compte tenu des objectifs sp\u00e9cifiques du r\u00e8glement.<\/p>\n
Apr\u00e8s avoir constat\u00e9 que le d\u00e9funt ne s’\u00e9tait install\u00e9 au Portugal qu’\u00e0 compter du 28 juin 2016 et qu’\u00e9tant d\u00e9c\u00e9d\u00e9 le 20 novembre 2016, certes d\u2019une impr\u00e9visible crise cardiaque, il n’y avait r\u00e9sid\u00e9 que quatre mois et vingt-trois jours, la Cour d’appel d\u2019Aix-en-Provence a relev\u00e9 que :<\/p>\n
– celui-ci avait entrepris tr\u00e8s tardivement d’apprendre le portugais,
– qu’au moment de son d\u00e9c\u00e8s, il \u00e9tait toujours inscrit sur les listes \u00e9lectorales fran\u00e7aises
– et que, s’il \u00e9tait propri\u00e9taire avec son \u00e9pouse d’au moins un bien immobilier au Portugal, o\u00f9 ils \u00e9taient officiellement domicili\u00e9s, ceux-ci d\u00e9tenaient toujours une maison en France et que l’examen des nombreuses attestations produites r\u00e9v\u00e9lait que les familles des \u00e9poux, la plupart de leurs relations amicales, ainsi que les principaux b\u00e9n\u00e9ficiaires du contrat d’assurance vie, \u00e9taient domicili\u00e9s en France.<\/p>\n
Des s\u00e9jours r\u00e9p\u00e9t\u00e9s au Portugal plusieurs ann\u00e9es avant l\u2019installation d\u00e9finitive, la signature d\u2019un mandat de vente de ses biens immobiliers fran\u00e7ais bien avant son d\u00e9part de France et l\u2019utilisation d\u2019un compte joint ouvert par les \u00e9poux aupr\u00e8s d\u2019une banque portugaise \u00e0 compter de leur installation n\u2019ont pas \u00e9t\u00e9 jug\u00e9s suffisants pour \u00e9tablir un lien plus \u00e9troit avec le Portugal.<\/p>\n
La Cour de cassation a jug\u00e9 que la Cour d’appel en avait donc souverainement d\u00e9duit qu’\u00e0 la date de son d\u00e9c\u00e8s, le d\u00e9funt avait sa r\u00e9sidence habituelle en France et a, par ces seuls motifs, l\u00e9galement justifi\u00e9 sa d\u00e9cision.<\/p>\n
Pour d\u00e9terminer la r\u00e9sidence habituelle d\u2019une personne physique pour les besoins de sa succession, la Cour de cassation sollicite une analyse comparative entre les liens du d\u00e9funt avec son nouvel \u00e9tat de r\u00e9sidence et la France ainsi que les conditions et raisons de son d\u00e9part.
Afin de limiter, voire \u00e9viter un risque de remise en cause du choix op\u00e9r\u00e9 par le d\u00e9funt, il est imp\u00e9ratif que ce dernier ne dispose plus de r\u00e9sidence en France, la vente d\u2019un bien immobilier devant \u00eatre pr\u00e9alable au d\u00e9part, et sollicite son inscription sur la liste \u00e9lectorale consulaire de son choix. En d\u2019autres termes, un changement de domiciliation ne s\u2019improvise pas et ne peut pas se r\u00e9sumer \u00e0 la seule acquisition d\u2019une r\u00e9sidence \u00e0 l\u2019\u00e9tranger, personne n\u2019\u00e9tant \u00e0 l\u2019abri d\u2019un d\u00e9c\u00e8s brutal et inattendu.<\/p>\n<\/div>\n<\/div>\n<\/div>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb4. Gare \u00e0 l\u2019intention lib\u00e9rale !\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n
4. Gare \u00e0 l\u2019intention lib\u00e9rale !<\/h4>\n
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L\u2019attention sera enfin port\u00e9e sur le dernier crit\u00e8re retenu par la Cour de cassation aff\u00e9rent \u00e0 la domiciliation des b\u00e9n\u00e9ficiaires du contrat d\u2019assurance vie souscrit deux ans avant le d\u00e9part au Portugal. Au cas d\u2019esp\u00e8ce, l\u2019une des particularit\u00e9s tenait au fait que le souscripteur avait d\u00e9sign\u00e9 pas moins de onze b\u00e9n\u00e9ficiaires, dont deux associations fran\u00e7aises, lesquels ne font pas partie de ses h\u00e9riti\u00e8res r\u00e9servataires.<\/p>\n
Pour rappel, par la r\u00e9daction de la clause b\u00e9n\u00e9ficiaire, le souscripteur d\u2019un contrat d\u2019assurance vie stipule pour autrui3. Le droit de d\u00e9signer, r\u00e9voquer ou ajouter un b\u00e9n\u00e9ficiaire est un droit personnel du souscripteur qui ne peut pas \u00eatre d\u00e9l\u00e9gu\u00e9.<\/p>\n
Au terme de l\u2019arr\u00eat du 12 juillet 2023, le choix que le souscripteur a effectu\u00e9 en r\u00e9digeant sa clause b\u00e9n\u00e9ficiaire a contribu\u00e9, avec d\u2019autres indices, \u00e0 produire une cons\u00e9quence n\u00e9gative post mortem puisqu\u2019au cas d\u2019esp\u00e8ce les principaux b\u00e9n\u00e9ficiaires \u00e9taient domicili\u00e9s en France.<\/p>\n
On ne peut qu\u2019\u00eatre surpris par ce crit\u00e8re dans la mesure o\u00f9, \u00e0 tout le moins, la d\u00e9signation b\u00e9n\u00e9ficiaire est intervenue environ un an et demi avant le changement de r\u00e9sidence du souscripteur et que le domicile des b\u00e9n\u00e9ficiaires est totalement ind\u00e9pendant de la volont\u00e9 du souscripteur, voire m\u00eame pourrait lui \u00eatre inconnu.<\/p>\n
En autorisant l\u2019ouverture de la succession selon le droit fran\u00e7ais, la Cour de cassation permet donc aux h\u00e9riti\u00e8res de faire valoir leurs droits au titre de la r\u00e9serve h\u00e9r\u00e9ditaire du d\u00e9funt. Elle leur permet \u00e9galement d\u2019agir sur le terrain de la notion de primes manifestement exag\u00e9r\u00e9es afin de remettre en cause partiellement l\u2019attribution des capitaux d\u00e9c\u00e8s selon une jurisprudence d\u00e9sormais bien \u00e9tablie.<\/p>\n
C\u2019est \u00e0 notre sens la premi\u00e8re fois qu\u2019il a \u00e9t\u00e9 jug\u00e9 que la stipulation pour autrui produit des effets n\u00e9gatifs au d\u00e9triment des b\u00e9n\u00e9ficiaires.<\/p>\n
On notera \u00e9galement que les juges ne se sont attard\u00e9s ni sur le si\u00e8ge de l\u2019assureur pourtant fix\u00e9 au Luxembourg, de nature \u00e0 conf\u00e9rer un caract\u00e8re non fran\u00e7ais \u00e0 la cr\u00e9ance du souscripteur, ni sur le fait que le code des assurances dispose que le capital d\u00fb par un assureur lors du d\u00e9c\u00e8s de l’assur\u00e9 \u00e0 un b\u00e9n\u00e9ficiaire d\u00e9termin\u00e9 ou \u00e0 ses h\u00e9ritiers ne fait pas partie de la succession de l’assur\u00e9.<\/p>\n
Par l\u2019effet de la loi, les capitaux d\u00e9c\u00e8s sont r\u00e9put\u00e9s n\u2019avoir jamais appartenu au souscripteur. Pourtant, le choix que le souscripteur a effectu\u00e9 en d\u00e9signant des b\u00e9n\u00e9ficiaires domicili\u00e9s en France est opposable \u00e0 sa veuve qui revendiquait l\u2019application de la loi successorale portugaise.<\/p>\n
De m\u00eame, les juges judiciaires n\u2019ont pas souhait\u00e9, comme ils en \u00e9taient invit\u00e9s par les auteurs du pourvoi \u00e0 statuer sur la notion de fraude \u00e0 la loi qui aurait \u00e9t\u00e9 commise ou non par le d\u00e9funt.<\/p>\n
Dans l\u2019attente d\u2019une confirmation de cette jurisprudence, il ne peut qu\u2019\u00eatre recommand\u00e9 aux candidats \u00e0 l\u2019exil fiscal d\u2019\u00eatre extr\u00eamement prudents sur leurs choix et surtout attentifs aux moindres d\u00e9tails tels que principalement la vente pr\u00e9alable de leur r\u00e9sidence principale en France, leur d\u00e9sinscription des listes \u00e9lectorales et organismes sociaux.<\/p>\n
Outre le fait de disposer d\u2019un domicile stable dans le nouvel Etat de r\u00e9sidence et a minima d\u2019un compte bancaire, l\u2019apprentissage de la langue du pays d\u2019accueil sera \u00e9galement scrut\u00e9 (le choix d\u2019un pays francophone faciliterait grandement le respect de ce crit\u00e8re !) ainsi d\u00e9sormais que le choix des b\u00e9n\u00e9ficiaires d\u2019un contrat d\u2019assurance vie, crit\u00e8re pouvant \u00eatre \u00e9tendu aux personnes d\u00e9sign\u00e9es l\u00e9gataires d\u2019un testament.<\/p>\n<\/div>\n<\/div>\n<\/div>\n
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Notre expert<\/h4>\n
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Sponsors Platinium<\/h3>\n
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Sponsors Gold<\/h3>\n
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type=\u00a0\u00bb1_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\/2023\/10\/AG2R.png\u00a0\u00bb alt=\u00a0\u00bbAG2R\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lamondiale.lu\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAG2R\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb|40px||40px|false|false\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_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\/10\/baloise-assurances-luxembourg-2022.png\u00a0\u00bb alt=\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\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb|40px||40px|false|false\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_4,1_4,1_4,1_4″ use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2″ admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb 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Sponsors Silver<\/h3>\n
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Me Olivier Roum\u00e9lian partage avec nous l\u2019article qu\u2019il a \u00e9crit pour le Bulletin Juridique des Assurances (BJDA) et ce que cela signifiera pour les acteurs de l\u2019assurance-vie en France.<\/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-9406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"\n
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