{"id":7556,"date":"2015-04-02T15:09:10","date_gmt":"2015-04-02T14:09:10","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=7556"},"modified":"2015-04-02T15:09:10","modified_gmt":"2015-04-02T14:09:10","slug":"les-contrats-dassurance-vie-non-reclames-letat-durgence","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2015\/04\/les-contrats-dassurance-vie-non-reclames-letat-durgence\/","title":{"rendered":"Les contrats d\u2019assurance vie non r\u00e9clam\u00e9s : l\u2019\u00e9tat d\u2019urgence"},"content":{"rendered":"<p>Le dossier des contrats d\u2019assurance vie non r\u00e9clam\u00e9s est aujourd\u2019hui le premier sur la pile des sujets br\u00fblants au c\u0153ur des pr\u00e9occupations des assureurs vie. Le sujet n\u2019est pas nouveau, il est m\u00eame \u00e9voqu\u00e9 r\u00e9guli\u00e8rement depuis le d\u00e9but des ann\u00e9es 2000. Dans un rapport de juin 2013, la cour des Comptes l\u2019a remis sur le tapis et a lanc\u00e9 le chiffre de 2,76 milliards d&#8217;euros d\u2019avoirs non r\u00e9clam\u00e9s qui seraient conserv\u00e9s par les assureurs.<\/p>\n<p>Dans un contexte de r\u00e9vision de la l\u00e9gislation en vigueur, l\u2019ACPR, qui s\u2019\u00e9tait vu reprocher par la Cour des Comptes son d\u00e9faut d\u2019action significative, s\u2019est empar\u00e9e du sujet, et a diligent\u00e9 des missions de contr\u00f4les sp\u00e9cifiques, qui se sont d\u00e9j\u00e0 sold\u00e9es par trois sanctions embl\u00e9matiques. CARDIF Assurances, CNP Assurances, et Allianz Vie ont ainsi \u00e9cop\u00e9 successivement d\u2019un bl\u00e2me et d\u2019une sanction p\u00e9cuniaire de 10, 40 et 50 millions d\u2019euros.<\/p>\n<h2>\u00a0Que dit la l\u00e9gislation\u00a0?<\/h2>\n<p>Le sujet a fait l\u2019objet de plusieurs \u00e9volutions l\u00e9gislatives et r\u00e9glementaires depuis 2003, renfor\u00e7ant de mani\u00e8re successive les obligations des assureurs\u00a0: loi n\u00b0 2003-706 du 1 ao\u00fbt 2003 de s\u00e9curit\u00e9 financi\u00e8re, loi du 15 d\u00e9cembre 2005 portant diverses dispositions d\u2019adaptation au droit communautaire dans le domaine de l\u2019assurance\u00a0, loi n\u00b02007-1775 du 17 d\u00e9cembre 2007 portant sur les contrats d&#8217;assurance sur la vie non r\u00e9clam\u00e9s, et loi du 25 juillet 2013 de s\u00e9paration et de r\u00e9gulation des activit\u00e9s bancaires\u2026<\/p>\n<p>En r\u00e9sum\u00e9, les obligations de la compagnie d\u2019assurance sont de deux types\u00a0:<\/p>\n<ul>\n<li>Une obligation d\u2019information d\u2019une part\n<ul>\n<li>Du souscripteur de mani\u00e8re annuelle d\u00e9taill\u00e9e pour les contrats de plus de deux mille euros,<\/li>\n<li>Du b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s du souscripteur,<\/li>\n<li>Du souscripteur sur les conditions de revalorisation du contrat en cas de d\u00e9c\u00e8s<\/li>\n<\/ul>\n<\/li>\n<li>Une obligation de recherche d\u2019autre part\n<ul>\n<li>Du b\u00e9n\u00e9ficiaire en cas de connaissance du d\u00e9c\u00e8s du souscripteur du contrat,<\/li>\n<li>Du souscripteur d\u00e9c\u00e9d\u00e9 par interrogation chaque ann\u00e9e du RNIPP.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>Les positions de l\u2019ACPR<\/h2>\n<p>L\u2019ACPR s\u2019est \u00e9galement prononc\u00e9 sur le sujet. Dans un communiqu\u00e9 de presse d\u2019abord (22 avril 2013), elle a en effet indiqu\u00e9 avoir constat\u00e9 apr\u00e8s examen de certains contrats que plusieurs des clauses de revalorisation du capital garanti pr\u00e9sentaient une r\u00e9daction qui n\u2019\u00e9tait pas satisfaisante. Dans une position ensuite (13 f\u00e9vrier 2014), elle a consid\u00e9r\u00e9 que les pratiques consistant \u00e0 imputer sur le montant du capital d\u00e9c\u00e8s vers\u00e9 au b\u00e9n\u00e9ficiaire tout ou partie des frais g\u00e9n\u00e9r\u00e9s par la recherche de ce dernier, que cette imputation soit pr\u00e9vue ou non dans les clauses du contrat, sont contraires aux dispositions pr\u00e9cit\u00e9es du Code des assurances, du Code de la mutualit\u00e9 et du Code de la s\u00e9curit\u00e9 sociale\u00a0\u00bb.<\/p>\n<h2>Les mesures de la loi Eckert<\/h2>\n<p>La loi n\u00b0\u00a02014-617\u00a0du 13 juin 2014 relative aux comptes bancaires inactifs et aux contrats d&#8217;assurance vie en d\u00e9sh\u00e9rence, dite loi Eckert, renforce les obligations des compagnies d\u2019assurance. Elle entrera en vigueur le 1<sup>er<\/sup> janvier 2016.<\/p>\n<p>Le dispositif actuel d\u2019information annuelle sur les principales caract\u00e9ristiques du contrat (montant de la valeur de rachat, prime du contrat, rendement garanti, valeurs des unit\u00e9s de comptes\u2026) est \u00e9tendu \u00e0 l\u2019ensemble des contrats (et non plus seulement les contrats sup\u00e9rieurs \u00e0 2 000 euros). Il s\u2019agit de pr\u00e9venir la d\u00e9sh\u00e9rence en maintenant un lien avec l\u2019assur\u00e9, et ce quel que soit le montant du contrat souscrit.<\/p>\n<p>L\u2019obligation de rechercher chaque ann\u00e9e le d\u00e9c\u00e8s \u00e9ventuel de l\u2019assur\u00e9, qui existait d\u00e9j\u00e0 dans la loi, est \u00e9tendue aux contrats de capitalisation nominatifs. La loi se veut \u00e9galement plus contraignante dans sa formulation\u00a0: l\u2019habilitation pour l\u2019assureur \u00e0 acc\u00e9der au RNIPP pour rechercher un assur\u00e9 d\u00e9c\u00e9d\u00e9 laisse place \u00e0 une obligation annuelle de consulter le RNIPP.<\/p>\n<p>Les frais de recherche et d\u2019information sont d\u00e9sormais interdits.<\/p>\n<p>La revalorisation post mortem du capital garanti s\u2019effectue d\u00e8s le d\u00e9c\u00e8s de l\u2019assur\u00e9 et non plus apr\u00e8s un d\u00e9lai de carence d\u2019un an, \u00e0 un taux qui ne peut \u00eatre inf\u00e9rieur \u00e0 un taux fix\u00e9 par d\u00e9cret.<\/p>\n<p>Une obligation d\u2019information est instaur\u00e9e relative \u00e0 la proc\u00e9dure de d\u00e9p\u00f4t \u00e0 la CDC des contrats non r\u00e9clam\u00e9s dix ann\u00e9es apr\u00e8s le d\u00e9c\u00e8s du souscripteur ou l\u2019\u00e9ch\u00e9ance du contrat. La loi pr\u00e9voit en effet le processus de reversement suivant des capitaux non r\u00e9gl\u00e9s\u00a0: d\u00e9p\u00f4t des fonds \u00e0 la CDC au terme d\u2019une p\u00e9riode de 10 ans \u00e0 compter de la connaissance du d\u00e9c\u00e8s par l\u2019assureur ou du terme du contrat, et reversement \u00e0 l\u2019\u00e9tat 20 ans apr\u00e8s le d\u00e9p\u00f4t \u00e0 la CDC. Les assureurs devront conserver les informations et documents correspondant aux contrats non r\u00e9gl\u00e9s dont les capitaux sont transf\u00e9r\u00e9s \u00e0 la CDC.<\/p>\n<p>L\u2019ACPR voit par ailleurs ses pouvoirs \u00e9tendus en la mati\u00e8re. Le rapport annuel sur le contr\u00f4le interne et la gestion des risques devra ainsi inclure des informations sur les contrats non r\u00e9gl\u00e9s.<\/p>\n<h2>Cons\u00e9quences pour les fonctions risques, contr\u00f4le interne et conformit\u00e9<\/h2>\n<p>Nul doute d\u00e9sormais que le sujet figure en premi\u00e8re ligne des pr\u00e9occupations du superviseur. Un bilan sur la situation de la compagnie par rapport aux exigences r\u00e9glementaires, qu\u2019elles soient nouvelles ou non, s\u2019impose. L\u2019audit interne gagnerait sur ce point \u00e0 \u00eatre sollicit\u00e9 afin de donner une vision pr\u00e9cise des pratiques en vigueur \u00e0 la fois sur le dispositif de recherche et sur le dispositif d\u2019information. L\u2019objectif est d\u2019identifier rapidement les points probl\u00e9matiques et les actions \u00e0 d\u00e9ployer afin d\u2019assurer la mise en conformit\u00e9.<\/p>\n<p>Les fonctions conformit\u00e9 ou contr\u00f4le interne, selon les organisations, et si tel n\u2019est pas encore le cas, doivent \u00e9galement s\u2019emparer rapidement du sujet et l\u2019inscrire sur leur plan de contr\u00f4les afin de mesurer au fil de l\u2019eau l\u2019avanc\u00e9e des actions et d\u2019identifier rapidement toutes d\u00e9rives dans les pratiques.<\/p>\n<p>Certes, la t\u00e2che n\u2019est pas forc\u00e9ment simple (probl\u00e9matique de la disponibilit\u00e9 des donn\u00e9es, fusions ou acquisitions de soci\u00e9t\u00e9s avec pour cons\u00e9quences des pertes de donn\u00e9es, voire de contrats, ou des pratiques h\u00e9t\u00e9rog\u00e8nes\u2026), mais il appara\u00eet clairement n\u00e9cessaire de s\u2019y atteler rapidement, sous peine d\u2019\u00eatre le prochain attach\u00e9 au pilori\u2026<\/p>\n<p>La loi Eckert pr\u00e9voit que l\u2019ACPR remette au Parlement avant le 1<sup>er<\/sup> janvier 2016 un rapport d\u00e9crivant les actions men\u00e9es en 2014 et 2015 pour contr\u00f4ler les pratiques des assureurs, rapport qu\u2019il lui faudra bien alimenter.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Pour en savoir plus. Audisoft Ox\u00e9a organise le 2 avril prochain la <strong>Rencontre de la Conformit\u00e9 et du contr\u00f4le interne<\/strong>. H\u00e9l\u00e8ne Arveiller, Chef de service de veille sur les contrats et les risques, Direction du contr\u00f4le des pratiques commerciales et Geoffroy de Vaucelles, contr\u00f4leur des pratiques commerciales, Service de veille sur les contrats et les risques, Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution viendront \u00e0 cette occasion exposer les attentes de l\u2019ACPR en la mati\u00e8re. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le dossier des contrats d\u2019assurance vie non r\u00e9clam\u00e9s est aujourd\u2019hui le premier sur la pile des sujets br\u00fblants au c\u0153ur des pr\u00e9occupations des assureurs vie. Le sujet n\u2019est pas nouveau, il est m\u00eame \u00e9voqu\u00e9 r\u00e9guli\u00e8rement depuis le d\u00e9but des ann\u00e9es&#8230;<\/p>\n","protected":false},"author":922,"featured_media":4886,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38,1729],"tags":[],"coauthors":[2265,2035],"class_list":["post-7556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","category-banque"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les contrats d\u2019assurance vie non r\u00e9clam\u00e9s : l\u2019\u00e9tat d\u2019urgence - RiskInsight<\/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:\/\/www.riskinsight-wavestone.com\/en\/2015\/04\/les-contrats-dassurance-vie-non-reclames-letat-durgence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les contrats d\u2019assurance vie non r\u00e9clam\u00e9s : l\u2019\u00e9tat d\u2019urgence - RiskInsight\" \/>\n<meta property=\"og:description\" content=\"Le dossier des contrats d\u2019assurance vie non r\u00e9clam\u00e9s est aujourd\u2019hui le premier sur la pile des sujets br\u00fblants au c\u0153ur des pr\u00e9occupations des assureurs vie. 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