How to find a deceased relative's life insurance in France
AGIRA and Ciclade: the two free procedures to find out whether you are the beneficiary of a French life insurance contract after a death.
Le Journal Finance
Key figures
- PEA150 000 € maximum you can pay in
- PEAAfter 5 years, no income tax on gains
- Life insurance4 600 € of gains tax-free each year, after 8 years
- Inheritance152 500 € passed on tax-free to each beneficiary (payments before age 70)
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How to find a deceased relative's life insurance in France
AGIRA and Ciclade: the two free procedures to find out whether you are the beneficiary of a French life insurance contract after a death.
Opening a PEA early to start the clock
The PEA's 5-year tax period starts with the first deposit. Opening a plan early, even with a small amount, saves time.
Calculators
Final capital
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- Total paid in
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- Interest earned
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Constant return, monthly compounding, before tax and fees. A real return varies every year.
Estimated tax saving this year
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- Real effort
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Valid within your deduction ceiling, shown on your tax notice. Tax is due on exit at retirement.
Gains exempt from income tax
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- Gains subject to income tax
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Annual allowance for contracts over 8 years old. Social contributions remain due on all gains.
Cost of fees over the period
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- Without fees
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- With fees
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Fees deducted each year from the return, constant return, before tax.
Indicative simulations, not personalised investment advice.