{ "article": { "LEGIARTI000035721928": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "6", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035721928", "URL": "article/LEGI/ARTI/00/00/35/72/19/LEGIARTI000035721928.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000035731314", "@num": "L132-5-1", "#text": "Code des assurances - art. L132-5-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731328", "@num": "L132-5-2", "#text": "Code des assurances - art. L132-5-2 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731320", "@num": "L132-5-3", "#text": "Code des assurances - art. L132-5-3 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731317", "@num": "L132-9-2", "#text": "Code des assurances - art. L132-9-2 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000035721911", "@fin": "2999-01-01", "#text": "Chapitre Ier : Modifications du code des assurances", "@debut": "2018-04-01" } ] }, "@cid": "JORFTEXT000035720869", "@nor": "ECOT1719130R", "@num": "2017-1433", "@nature": "ORDONNANCE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Ordonnance n° 2017-1433 du 4 octobre 2017 relative à la dématérialisation des relations contractuelles dans le secteur financier", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000035720869", "@c_titre_court": "Ordonnance n° 2017-1433 du 4 octobre 2017" }, { "@fin": "2999-01-01", "#text": "Ordonnance n° 2017-1433 du 4 octobre 2017 relative à la dématérialisation des relations contractuelles dans le secteur financier", "@debut": "2018-04-01", "@id_txt": "LEGITEXT000035721910", "@c_titre_court": "Ordonnance n°2017-1433 du 4 octobre 2017" } ], "@ministere": "Ministère de l'économie et des finances", "@date_publi": "2017-10-05", "@date_signature": "2017-10-04", "@num_parution_jo": "0233" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000035721928", "@fin": "2999-01-01", "@num": "6", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000035720882", "@fin": "2999-01-01", "@num": "6", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code des assurances
\n Art. L132-5-1\n
\n

\n
\n
A modifié les dispositions suivantes :

- Code des assurances
\n Art. L132-5-2, Art. L132-5-3, Art. L132-9-2\n
\n

\n
" } }, "LEGIARTI000035731314": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L132-5-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731314", "URL": "article/LEGI/ARTI/00/00/35/73/13/LEGIARTI000035731314.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000305911", "#text": "Décret n° 76-666 du 16 juillet 1976", "@sens": "source", "@cidtexte": "JORFTEXT000000305911", "@numtexte": "76-666", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "1976-07-16" }, { "@id": "LEGIARTI000006839113", "@num": "22", "#text": "Loi n°81-5 du 7 janvier 1981 - art. 22 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000517003", "@numtexte": "81-5", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1981-01-07" }, { "@id": "LEGIARTI000006746071", "@num": "56", "#text": "Décret n°2004-342 du 21 avril 2004 - art. 56 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000233359", "@nortexte": "ECOT0491205D", "@numtexte": "2004-342", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2004-04-21" }, { "@id": "LEGIARTI000035721928", "@num": "6", "#text": "Ordonnance n°2017-1433 du 4 octobre 2017 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000035720869", "@nortexte": "ECOT1719130R", "@numtexte": "2017-1433", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000036104656", "@num": "L931-18-2", "#text": "Code de la sécurité sociale. - art. L931-18-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073189", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000048252309", "@num": "L932-23", "#text": "Code de la sécurité sociale. - art. L932-23 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073189", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006786359", "@num": "A132-12", "#text": "Code des assurances - art. A132-12 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006786150", "@num": "A132-4", "#text": "Code des assurances - art. A132-4 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006786161", "@num": "A132-4-1", "#text": "Code des assurances - art. 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L326-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044073120", "@num": "L327-2", "#text": "Code des assurances - art. L327-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034387863", "@num": "L441-2", "#text": "Code des assurances - art. L441-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731360", "@num": "L441-3", "#text": "Code des assurances - art. L441-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006811987", "@num": "R132-4", "#text": "Code des assurances - art. 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Toute personne physique qui a signé une proposition ou un contrat d'assurance sur la vie ou de capitalisation a la faculté d'y renoncer par lettre recommandée ou par envoi recommandé électronique, avec demande d'avis de réception, pendant le délai de trente jours calendaires révolus à compter du moment où elle est informée que le contrat est conclu. Ce délai expire le dernier jour à vingt-quatre heures. S'il expire un samedi, un dimanche ou un jour férié ou chômé, il n'est pas prorogé.

La renonciation entraîne la restitution par l'entreprise d'assurance ou de capitalisation de l'intégralité des sommes versées par le contractant, dans le délai maximal de trente jours calendaires révolus à compter de la réception de la lettre recommandée ou de l'envoi recommandé électronique. Au-delà de ce délai, les sommes non restituées produisent de plein droit intérêt au taux légal majoré de moitié durant deux mois, puis, à l'expiration de ce délai de deux mois, au double du taux légal.

Les dispositions du présent article sont précisées, en tant que de besoin, par arrêté ministériel.

Elles ne s'appliquent pas aux contrats d'une durée maximale de deux mois.

" } }, "LEGIARTI000035731317": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L132-9-2", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731317", "URL": "article/LEGI/ARTI/00/00/35/73/13/LEGIARTI000035731317.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000305911", "#text": "Décret n° 76-666 du 16 juillet 1976", "@sens": "source", "@cidtexte": "JORFTEXT000000305911", "@numtexte": "76-666", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "1976-07-16" }, { "@id": "LEGITEXT000017726278", "#text": "Arrêté du 19 décembre 2007 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000017720718", "@nortexte": "ECET0768504A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2007-12-19" }, { "@id": "LEGITEXT000017726536", "#text": "Arrêté du 19 décembre 2007 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000017720726", "@nortexte": "ECET0772852A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2007-12-19" }, { "@id": "LEGITEXT000017746586", "#text": "Arrêté du 19 décembre 2007 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000017720734", "@nortexte": "ECET0772878A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2007-12-19" }, { "@id": "LEGITEXT000017746594", "#text": "Arrêté du 19 décembre 2007 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000017720742", "@nortexte": "ECET0772871A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2007-12-19" }, { "@id": "LEGIARTI000035721928", "@num": "6", "#text": "Ordonnance n°2017-1433 du 4 octobre 2017 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000035720869", "@nortexte": "ECOT1719130R", "@numtexte": "2017-1433", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000036769331", "@num": "R223-5", "#text": "Code de la mutualité - art. 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A132-9-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032867898", "@num": "Annexe à l'article A132-9-6", "#text": "Code des assurances - art. Annexe à l'article A132-9-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783391", "@num": "L111-7", "#text": "Code des assurances - art. L111-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029098954", "@num": "L132-9-3", "#text": "Code des assurances - art. 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Toute personne physique ou morale peut demander par lettre ou tout autre support durable à un ou plusieurs organismes professionnels représentatifs, habilités à cet effet par arrêté du ministre chargé de l'économie, à être informée de l'existence d'une stipulation effectuée à son bénéfice dans une police souscrite par une personne physique dont elle apporte, par tout moyen, la preuve du décès.

Dans les quinze jours suivant la réception de la lettre mentionnée au premier alinéa, l'organisme transmet cette demande aux entreprises agréées pour exercer les opérations d'assurance dépendant de la durée de la vie humaine. Lorsque la personne morale ou physique mentionnée audit alinéa est désignée dans une police comme bénéficiaire, ces entreprises disposent d'un délai d'un mois pour l'informer de l'existence d'un capital ou d'une rente garantis payables à son bénéfice.

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Pour les contrats d'assurance de groupe sur la vie mentionnés à l'article L. 141-1 comportant des valeurs de rachat ou de transfert, lorsque le lien qui unit l'adhérent au souscripteur ne rend pas obligatoire l'adhésion au contrat, la notice remise par le souscripteur inclut, outre les informations mentionnées au deuxième alinéa de l'article L. 141-4, celles contenues dans la note mentionnée à l'article L. 132-5-2. L'encadré mentionné au premier alinéa de l'article L. 132-5-2 est inséré en début de notice. Lors de l'adhésion, le souscripteur doit remettre à l'adhérent le modèle de rédaction mentionné au troisième alinéa de l'article L. 132-5-2. Il communique à l'adhérent la mention visée au quatrième alinéa du même article ainsi que, dans les conditions définies au même article, les valeurs de rachat ou de transfert. La faculté de renonciation s'exerce conformément aux articles L. 132-5-1 et L. 132-5-2.

La notice doit indiquer l'objet social et les coordonnées du souscripteur.

La notice précise que les droits et obligations de l'adhérent peuvent être modifiés par des avenants auxdits contrats. Les modalités d'adoption de ces avenants par le souscripteur sont communiquées par ce dernier à l'adhérent.

Le souscripteur est tenu de communiquer, chaque année, à l'adhérent les informations établies par l'entreprise d'assurance et mentionnées à l'article L. 132-22.

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Avant la conclusion d'un contrat d'assurance sur la vie ou d'un contrat de capitalisation, par une personne physique, l'assureur remet à celle-ci, contre récépissé, une note d'information sur les conditions d'exercice de la faculté de renonciation et sur les dispositions essentielles du contrat. Un arrêté fixe les informations qui doivent figurer dans cette note, notamment en ce qui concerne les garanties exprimées en unités de compte. Toutefois, la proposition d'assurance ou le projet de contrat vaut note d'information, pour les contrats d'assurance ou de capitalisation comportant une valeur de rachat ou de transfert, lorsqu'un encadré, inséré en début de proposition d'assurance ou de projet de contrat, indique en caractères très apparents la nature du contrat. L'encadré comporte en particulier le regroupement des frais dans une même rubrique, les garanties offertes et la disponibilité des sommes en cas de rachat, la participation aux bénéfices, ainsi que les modalités de désignation des bénéficiaires. Un arrêté du ministre chargé de l'économie, pris après avis de l'Autorité de contrôle prudentiel et de résolution, fixe le format de cet encadré ainsi que, de façon limitative, son contenu.

La proposition ou le contrat d'assurance ou de capitalisation comprend :

1° Un modèle de rédaction destiné à faciliter l'exercice de la faculté de renonciation ;

2° Une mention dont les termes sont fixés par arrêté du ministre chargé de l'économie, précisant les modalités de renonciation.

La proposition ou le projet de contrat d'assurance ou de capitalisation indique, pour les contrats qui en comportent, les valeurs de rachat au terme de chacune des huit premières années du contrat au moins, ainsi que, dans le même tableau, la somme des primes ou cotisations versées au terme de chacune des mêmes années. Toutefois, pour les contrats mentionnés au deuxième alinéa de l'article L. 132-23, l'entreprise indique les valeurs de transfert au lieu des valeurs de rachat. La proposition ou le projet de contrat d'assurance ou de capitalisation indique les valeurs minimales et explique le mécanisme de calcul des valeurs de rachat ou de transfert lorsque celles-ci ne peuvent être établies.

Le défaut de remise des documents et informations prévus au présent article entraîne, pour les souscripteurs de bonne foi, la prorogation du délai de renonciation prévu à l'article L. 132-5-1 jusqu'au trentième jour calendaire révolu suivant la date de remise effective de ces documents, dans la limite de huit ans à compter de la date où le souscripteur est informé que le contrat est conclu.

Les dispositions du présent article sont précisées, en tant que de besoin, par arrêté ministériel.

Elles ne s'appliquent pas aux contrats d'une durée maximale de deux mois.

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Article 6 ENTIEREMENT_MODIF (Ordonnance n° 2017-1433 du 4 octobre 2017 relative à la dématérialisation des relations contractuelles dans le secteur financier)