Published on 20.01.2021
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The usefulness of a well drafted beneficiary clause...
Life insurance, known for its flexibility and for being one of the favorite investments of the French, is also an efficient and fiscally interesting transmission tool. This savings contract, which allows you to build up and grow your capital, also makes it possible to pass on a capital outside the estate to a natural or legal person of your choice, between one or more beneficiaries, in equal shares or in different proportions. To do this, in order to faithfully reflect your choice, the beneficiary clause must first be filled in very precisely, because in the absence of a designation, the capital will be reintegrated into your estate.
You have the option of naming Imagine as the beneficiary of your life insurance policy. In this way, while saving, you are making a commitment to support and accelerate medical research to change the lives of children and families affected by genetic diseases.
It is entirely possible to name Imagine as a primary or secondary beneficiary, and thus defend the cause that is close to your heart. By naming Imagine as the beneficiary of your life insurance policy, you can make a simple and effective contribution to the research conducted by the Institute's teams.
There are several ways to designate your beneficiary(ies): a statement on the application form, a letter to your insurer or a will. You are free to change the beneficiaries whenever you wish. In addition to the standard clause or the one with limited options, you can opt for a "tailor-made" clause and write it yourself, indicating precisely the name and address of the beneficiary(ies).
In all cases, the drafting of the beneficiary clause must be done with particular care. We recommend that you seek assistance to ensure that it is perfectly adapted to your wishes, your situation and your objectives.
For this or if you wish to have more information, do not hesitate to ask for our brochure "Legacies, donations and life insurance" by sending an email to anne-maud.fablet@institutimagine.org