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French: Life and Expatriation

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Life insurance is an excellent way to prepare your long term, enhance or diversify your capital, maximizing the transmission of your assets, plan for retirement.

It can also be a great way optimization in income tax and inheritance in the case of expatriation.

The beneficiaries of life insurance contracts are not subject to tax in France 20% (tax on the outcome of the contract ths beyond 152,500 euros) if the date of accession, the subscriber is non-resident under French law (and even if it becomes non-resident thereafter), this exemption applies to the money received under s premiums paid before age 70.

It is therefore very advantageous for an expatriate to take, as a non resident, a life insurance policy to qualify for this exemption (even low he amount, just to take time as an expatriate).

In France in any case, the tax treatment in case of settlement of the contract of life insurance by the death will be different depending on whether the premiums were paid the contract before or after 70 years of the insured (including payment of inheritance tax in France for the portion of the premium - excluding capitalization - more than 30 500 euros, but no tax in France for prim are paid before age 70 at death if the subscriber was non-resident).

In all cases we recommend that you refer you to a tax advisor and / or a lawyer specializing in tax Internship ional to determine exactly which taxes will be applicable.

[20-01-2011]

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