Title III: Rules relating to life insurance and capitalisation operations

The agreements referred to in Article L. 132-28 shall be drawn up in writing at the request of the intermediaries and shall provide in particular for: 1° The insurance intermediary shall: a) Submit to the insurance undertaking any draft advertising document drawn up by the intermediary, irrespective of the medium used, and any changes that the intermediary intends to make to the document, prior to its distribution; b) Comply with…

I. – The agreements provided for in article L. 132-28 are not required if the intermediary only uses advertising documents provided by the insurance company and the latter has undertaken in writing to send him the information mentioned in b of 2° of article R. 132-5-1. II – Such an agreement is not required in the case of the marketing of contracts mentioned in article L. 441-1 where the relationship…

The indemnity referred to in the fourth paragraph of Article L. 132-21-1 may not exceed 5% of the present value of the commitments made respectively by the insurer and by the policyholders of the contract referred to in the first paragraph of Article L. 131-21-1 and must be zero at the end of a period of ten years from the effective date of the contract. For the purposes of this…

The specific information statement referred to in article L. 132-22 is provided to the contracting party in the year preceding the date of expiry of the contract and no later than one month before that date. The information referred to in article L. 132-22 may be provided in a single document. For tacitly renewable contracts, the specific information statement is sent under the conditions set out in the first paragraph…

I.-Without prejudice to the obligations referred to in the last paragraph of article L. 132-8, for the application of the first paragraph of article L. 132-27-2, the date on which the insurance undertaking becomes aware of the death of the insured is the date on which the insurance undertaking is informed of the death, by obtaining the death certificate, in particular following consultation of the national register for the identification…

I.-The appropriate advertising of policyholders referred to in the second paragraph of II of article L. 132-27-2 is organised by Caisse des dépôts et consignations on the basis of information communicated by insurance companies, via a dedicated dematerialised system, in compliance with law no. 78-17 of 6 January 1978 relating to information technology, files and civil liberties. This system can also be used to send requests for refunds, accompanied by…

Where the contracting party has irrevocably opted for the delivery of securities, units or shares pursuant to 2° or 3° of article L. 131-1, and has expressly stated in the contract that this option does not apply to the beneficiary of the contract, he may, at any time, send the beneficiary of the contract, by registered letter or electronic registered mail, a notice informing him of his option to receive…