The life insurance policies concerned are:
- Savings insurance policy
- Insurance policy with buyback value
- Bearer bond(s)
- Supplementary pension scheme
Life insurance policy whose policyholder is alive*
Insurance company
for 10 years
A Life insurance policy is closed and its balance transferred to Caisse des Dépôts if the beneficiaries have not been tracked down after 10 years after the terme of the contract.
Caisse des Dépôts
for 20 years
Caisse des Dépôts keeps the sums it receives for up to 20 years.
State
after 30 years
If there has been no Contact on the part of either the Holder or his/her entitled parties after 30 years, the assets are transferred irreversibly to the State.
Life insurance policy whose policyholder is deceased*
Insurance company
for 10 years
A life insurance policy is closed and its balance transferred to Caisse des Dépôts if the beneficiaries have not been tracked down by the insurance company after 10 years.
If the policy you are looking for expired less than 10 years ago, it will still be held by the insurance company.
Caisse des Dépôts
for 20 years
Caisse des Dépôts keeps the sums it receives for up to 20 years.
That means you have 20 years in which to ask Caisse des Dépôts to return these assets via Ciclade.fr
State
after 30 years
If there has been no contact on the part of the entitled parties after 30 years, the assets are transferred irreversibly to the State.
* This information concerns the sums relating to the Eckert law excluding recovery of prior rights.