Question 28703 — people with disabilities

Summary

Ms. Perrine Goulet questions the Minister of Action and Public Accounts about the age for taking out “survival annuity” type life insurance. The occurrence of an event leading to a physical or psychological disability first affects the family circle. Once the diagnosis has been made and the shock has passed, families, and in particular their ancestors, legitimately question the life and income of the person with a disability, sometimes called upon to remain so. Also, it happens that intergenerational solidarity is expressed through the establishment of life insurance by parents for the benefit of a descendant with a disability. The logical choice is to take out a survivor’s annuity. However, such a contract, particularly when the subscribers are over 65 years old, is difficult to obtain given the minimum commitment period of six years and the policy insurance organizations, thus forcing subscribers to turn to traditional life insurance. She therefore wishes to know whether such a commitment period could be revisable once the subscriber is over 65 years old.

Machine translation from French. The official text remains authoritative.

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