Question 6219 — insurance

Summary

Ms. Julie Laernoes alerts the Minister of the Economy, Finance and Industrial and Digital Sovereignty to the unilateral termination of funeral guarantee contracts. Indeed, in Loire-Atlantique, hundreds of retirees from the City of Nantes who have had a contract for several decades have been told that these contracts would be terminated by their insurer. Certainly, this practice is legal and complies with article L. 113-12 of the insurance code, but these contracts, most of which are at least thirty years old, (still active because they are renewed by tacit agreement) do not specify that the contributions are non-returnable. After having received these sums for decades, the insurance terminates the contracts when the policyholders approach the age of 80, a particularly questionable period, because the policyholders arrive at a point in life where this subject can gain importance. The timing of this termination is all the more sensitive as the organizations which offer this type of contract often limit the age of people who can take out insurance to a range between 80 and 85 years old. Policyholders who are victims of these unilateral terminations can no longer take out new insurance. In Loire-Atlantique, the example of the 450 cases that it was possible to identify is particularly telling, because representative of the questions raised by the authorization of the unilateral termination of this specific type of contract. Large sums received by the same insurer with whom the members had individually subscribed to a contract for years within the framework of a collective agreement with the city's social works committee, are, in fact, not compensated in any way. After terminating their contract and to deal with the numerous complaint letters received, the insurer offers its former members, many of whom are over the age of 80, the subscription of a new contract without waiting period or age limit, but at much more expensive rates and for much lower funeral cover. Therefore, she would like to know the Government's intentions in order to remedy these increasingly frequent grotesque situations.

Machine translation from French. The official text remains authoritative.

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