Life insurance: how do you know if you are a beneficiary of a deceased insured?

Verified 01 January 2024 - Legal and Administrative Information Directorate (Prime Minister)

Anyone can ask if they have been designated as beneficiary a life insurance contract.

If you wish to do so, you must provide proof of the death of the person who signed the contract.

You can do this on the Internet or by mail.

On the Internet

You must use an online service:

Request a search for life insurance beneficiaries

By mail

You can use a document template:

Know if you have life insurance

Contact the Insurance Risk Information Management Association (Agira):

Who shall I contact

  • Insurance Risk Information Management Association (Agira)

    Organizes the search for unclaimed life insurance contracts in the event of the death of the policyholder.

    By mail

    1 Jules Lefebvre Street

    75431 Paris Cedex 09

Within 15 days of receipt of the request, the Agira shall inform of the death of the insured the insurance bodies concerned.

When the search has found beneficiaries, the organizations have 15 days from receipt of the death notice to ask them to provide the documents necessary for the payment of the principal.

If you are the beneficiary of a contract signed by a deceased person, the insurer must pay you the principal within 1 month after receiving the documents necessary for payment.

After that period, the unpaid capital shall bear interest at the rate of:

  • 13.64% for 2 months
  • 20.46% after the 2-month period

FYI  

The insurer must remit to the Caisse des Dépôts et Consignations the sums that could not be paid to the beneficiaries within 10 years from the day of knowledge of the death or the end of the contract.

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