Funeral insurance has long remained outside the law because it can make the death of the insured covet. The Grand Ordinance of the Navy considers them “reprobate and against good morals” (Book III, Chapter VI, Article X).
In France, a first attempt took place in 1787 with the creation of a Royal Life Insurance Company, but it was short-lived. It was necessary to wait for a decision of the Council of State in 1818 to finally authorize death insurance.
It is the Sueur law of December 9, 2004 which governs funeral contracts. This law obliges the funeral provider to specify all the services guaranteed and not guaranteed by the contract. The subscriber is protected because he can change at any time certain services chosen on the day of the signature (name of the designated beneficiary, burial, organization of the funeral, burial or cremation, etc.). It is not legally possible for the funeral operator to refuse these changes to the insured.
If a loved one who has just died had taken out a funeral insurance contract, it is up to the beneficiary of this contract, the executor or the person in charge of the funeral to notify the insurer.
When you sign a funeral insurance contract, it may simply be a financing contract. It is a capital contract where the insured contributes so that the insurer proceeds to the payment of a capital constituted, in the event of death, intended for his family or for a company of funeral directors chosen. The other formula is a service-type contract, it consists of specifying from the outset all the services and treatments through which the body of the deceased will go (embalming, ceremony, burial, cremation, etc.) In return for risk coverage, the subscriber s pay the payment of a contribution to the insurer, either in one go, or in monthly or quarterly premiums, or in life premiums (less important contributions for the insured, but until the death of the latter) .
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The beneficiary chooses whether or not he wishes to use the capital for the organization of the funeral. In this case, he can choose a funeral operator to whom the insurer will pay the money directly. The beneficiary will have to select the funeral services and make requests for quotes. He must then sign a debt delegation agreement so that the financial organization pays the money to the chosen agency. To find a funeral agency in a city, you can use the yellow pages site. The payment period after death is 48 hours working days after receipt of the administrative documents by the insurer.
As its name suggests, it was the subscriber, when he was alive, who first chose the funeral agency and its services. As a result, the full amount of the contributions will be donated to the beneficiary funeral home. In return, the agency must provide a detailed invoice to the relatives of the subscriber. In all cases, on the death of the deceased, you must contact the financial organization but also the funeral director to organize the funeral.
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The first reflex in the event of the death of a loved one who has taken out funeral insurance is to contact the agency by telephone to verbally notify the subscriber of the death. Take stock with the person on the phone about the exact procedure to follow, the documents to provide and any supporting documents to give depending on the situation. Following your call, send a letter with acknowledgment of receipt to the agency to officially record the request. The letter must be posted within two days of the call, and be supplemented by the death certificate provided by the town hall and a copy of the contract. The letter must also include the elements necessary for the identification of the insured, such as the contract number, a copy of an identity document, etc. It should be noted that a delay will be necessary for the payment of the sum to be effective. For faster payment, it is advisable to attach a RIB to the registered letter.
