{"id":6718,"date":"2015-01-01T00:00:00","date_gmt":"2014-12-31T23:00:00","guid":{"rendered":"https:\/\/mysavings.be\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/"},"modified":"2021-04-24T10:36:26","modified_gmt":"2021-04-24T08:36:26","slug":"planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/","title":{"rendered":"Planification successorale classique: donation pr\u00e9alable \u00e0 la souscription d\u2019un contrat d\u2019assurance-vie"},"content":{"rendered":"<ul>\n<li>Etape 1: Donation de l\u2019argent \u00e0 un b\u00e9n\u00e9ficiaire\u00a0; par exemple Pierre donne \u00e0 son neveu Luc qui a 16 ans.<\/li>\n<li>Etape 2: l\u2019argent est plac\u00e9 dans un contrat d\u2019assurance-vie* Preneur d\u2019assurance: b\u00e9n\u00e9ficiaire (celui ou celle qui a re\u00e7u l\u2019argent, Luc)\n<ul>\n<li>Assur\u00e9: b\u00e9n\u00e9ficiaire (Luc)<\/li>\n<li>B\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s de Luc: le donateur (Pierre)<\/li>\n<li>B\u00e9n\u00e9ficiaire en cas de vie (si le contrat a un terme): b\u00e9n\u00e9ficiaire (Luc)<\/li>\n<\/ul>\n<\/li>\n<li>Etape 3: Pr\u00e9voir une clause de retour conventionnelle: cela signifie qu\u2019en cas de d\u00e9c\u00e8s du donataire avant le donateur, les biens donn\u00e9s reviennent au donateur sans que des droits de succession ne soient dus. En d\u2019autres mots, la donation est compl\u00e8tement annul\u00e9e et retourne \u00e0 son propri\u00e9taire initial. Faites attention \u00e0 ce que l\u2019ensemble des conditions n\u00e9cessaires pour la bonne application de cette clause soient reprises dans votre contrat (voyez plus loin pour plus de d\u00e9tail). Le capital qui retourne au donateur peut \u00eatre plus important que le capital donn\u00e9 (li\u00e9 aux int\u00e9r\u00eats), l\u2019exc\u00e9dent est soumis aux droits de succession. Vous pouvez lors de la r\u00e9daction du contrat stipuler si cet exc\u00e9dent doit ou non retourner chez le donateur ou tomber dans la succession<\/li>\n<li>Etape 4: Le donateur doit accepter formellement le b\u00e9n\u00e9fice du contrat afin de s\u2019assurer que le preneur d\u2019assurance ne puisse rien r\u00e9cup\u00e9rer ni transmettre les droits du contrat sans l\u2019accord formel du donateur.<\/li>\n<li>Etape 5: Le donateur peut pr\u00e9voir le paiement d\u2019une rente annuelle \u00e0 son profit, id\u00e9alement limit\u00e9e \u00e0 4% par an du montant donn\u00e9.<\/li>\n<li>Etape 6: En cas de d\u00e9c\u00e8s du donateur 3 ans apr\u00e8s la donation, aucun droit de succession n\u2019est du. Dans le cas d\u2019un d\u00e9c\u00e8s annonc\u00e9 dans les 3 ans, il est toujours possible d\u2019aller enregistrer la donation en \u00ab\u00a0derni\u00e8re minute\u00a0\u00bb pour faire sauter cette condition des 3 ans.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Etape 1: Donation de l\u2019argent \u00e0 un b\u00e9n\u00e9ficiaire\u00a0; par exemple Pierre donne \u00e0 son neveu Luc qui a 16 ans. Etape 2: l\u2019argent est plac\u00e9 dans un contrat d\u2019assurance-vie* Preneur d\u2019assurance: b\u00e9n\u00e9ficiaire (celui ou celle qui a re\u00e7u l\u2019argent, Luc) Assur\u00e9: b\u00e9n\u00e9ficiaire (Luc) B\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s de Luc: le donateur (Pierre) B\u00e9n\u00e9ficiaire en [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":8048,"template":"","class_list":["post-6718","info","type-info","status-publish","has-post-thumbnail","hentry","category-faq"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment fonctionne une planification successorale classique l MySavings<\/title>\n<meta name=\"description\" content=\"MySavings, sp\u00e9cialiste en assurances, vous explique de mani\u00e8re simple les diff\u00e9rentes \u00e9tapes d&#039;une planification successorale classique.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment fonctionne une planification successorale classique l MySavings\" \/>\n<meta property=\"og:description\" content=\"MySavings, sp\u00e9cialiste en assurances, vous explique de mani\u00e8re simple les diff\u00e9rentes \u00e9tapes d&#039;une planification successorale classique.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/\" \/>\n<meta property=\"og:site_name\" content=\"MySavings\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MySavings.be\" \/>\n<meta property=\"article:modified_time\" content=\"2021-04-24T08:36:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mysavings.be\/wp-content\/uploads\/2015\/01\/27.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/\",\"name\":\"Comment fonctionne une planification successorale classique l MySavings\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2015\\\/01\\\/27.jpg\",\"datePublished\":\"2014-12-31T23:00:00+00:00\",\"dateModified\":\"2021-04-24T08:36:26+00:00\",\"description\":\"MySavings, sp\u00e9cialiste en assurances, vous explique de mani\u00e8re simple les diff\u00e9rentes \u00e9tapes d'une planification successorale classique.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/#primaryimage\",\"url\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2015\\\/01\\\/27.jpg\",\"contentUrl\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2015\\\/01\\\/27.jpg\",\"width\":2000,\"height\":1600,\"caption\":\"planification successorale mysavings\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/accueil\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/centre-dinfo\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"FAQ\",\"item\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/category\\\/faq\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Planification successorale classique: donation pr\u00e9alable \u00e0 la souscription d\u2019un contrat d\u2019assurance-vie\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/\",\"name\":\"MySavings\",\"description\":\"Le meilleur choix pour votre assurance-vie\\\/pension\",\"publisher\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-BE\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#organization\",\"name\":\"MySavings\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/mysavings.svg\",\"contentUrl\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/mysavings.svg\",\"width\":219,\"height\":132,\"caption\":\"MySavings\"},\"image\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MySavings.be\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/mysavings\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comment fonctionne une planification successorale classique l MySavings","description":"MySavings, sp\u00e9cialiste en assurances, vous explique de mani\u00e8re simple les diff\u00e9rentes \u00e9tapes d'une planification successorale classique.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/","og_locale":"fr_FR","og_type":"article","og_title":"Comment fonctionne une planification successorale classique l MySavings","og_description":"MySavings, sp\u00e9cialiste en assurances, vous explique de mani\u00e8re simple les diff\u00e9rentes \u00e9tapes d'une planification successorale classique.","og_url":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/","og_site_name":"MySavings","article_publisher":"https:\/\/www.facebook.com\/MySavings.be","article_modified_time":"2021-04-24T08:36:26+00:00","og_image":[{"width":2000,"height":1600,"url":"https:\/\/mysavings.be\/wp-content\/uploads\/2015\/01\/27.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture est.":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/","url":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/","name":"Comment fonctionne une planification successorale classique l MySavings","isPartOf":{"@id":"https:\/\/mysavings.be\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/#primaryimage"},"image":{"@id":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/#primaryimage"},"thumbnailUrl":"https:\/\/mysavings.be\/wp-content\/uploads\/2015\/01\/27.jpg","datePublished":"2014-12-31T23:00:00+00:00","dateModified":"2021-04-24T08:36:26+00:00","description":"MySavings, sp\u00e9cialiste en assurances, vous explique de mani\u00e8re simple les diff\u00e9rentes \u00e9tapes d'une planification successorale classique.","breadcrumb":{"@id":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/#breadcrumb"},"inLanguage":"fr-BE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/"]}]},{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/#primaryimage","url":"https:\/\/mysavings.be\/wp-content\/uploads\/2015\/01\/27.jpg","contentUrl":"https:\/\/mysavings.be\/wp-content\/uploads\/2015\/01\/27.jpg","width":2000,"height":1600,"caption":"planification successorale mysavings"},{"@type":"BreadcrumbList","@id":"https:\/\/mysavings.be\/fr\/centre-dinfo\/planification-successorale-classique-donation-prealable-a-la-souscription-d-un-contrat-d-assurance-vie\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mysavings.be\/fr\/accueil\/"},{"@type":"ListItem","position":2,"name":"Blog","item":"https:\/\/mysavings.be\/fr\/centre-dinfo\/"},{"@type":"ListItem","position":3,"name":"FAQ","item":"https:\/\/mysavings.be\/fr\/category\/faq\/"},{"@type":"ListItem","position":4,"name":"Planification successorale classique: donation pr\u00e9alable \u00e0 la souscription d\u2019un contrat d\u2019assurance-vie"}]},{"@type":"WebSite","@id":"https:\/\/mysavings.be\/fr\/#website","url":"https:\/\/mysavings.be\/fr\/","name":"MySavings","description":"Le meilleur choix pour votre assurance-vie\/pension","publisher":{"@id":"https:\/\/mysavings.be\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mysavings.be\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-BE"},{"@type":"Organization","@id":"https:\/\/mysavings.be\/fr\/#organization","name":"MySavings","url":"https:\/\/mysavings.be\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/mysavings.be\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/mysavings.svg","contentUrl":"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/mysavings.svg","width":219,"height":132,"caption":"MySavings"},"image":{"@id":"https:\/\/mysavings.be\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MySavings.be","https:\/\/www.linkedin.com\/company\/mysavings"]}]}},"_links":{"self":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/info\/6718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/info"}],"about":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/types\/info"}],"author":[{"embeddable":true,"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/users\/13"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/attachment\/8048"}],"wp:attachment":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/attachment?parent=6718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}