Sources#

Source ids [S#]/[R#] are carried verbatim from _research/temporaire-deces.md (the citation ground truth for this product) and are frozen — never renumber. Unused sources are omitted, so the numbering has gaps: S14 (Abeille Assurances comparison page — HTTP 403 on two attempts, nothing citable), R22 (France Assureurs home page — the assurance vie monthly figure it carries is cited from REG-R49 instead) and R23 (economie.gouv.fr AERAS page, HTTP 403; service-public fiche F2377, HTTP 404 after redirect — no official government-portal description of the product exists in this file) are not cited by product-spec.md or technical-notes.md and are therefore absent below. Access date for all sources: 2026-08-26. No sources were newly added at drafting. Cross-product [REG-R#] tags are listed in their own section at the end.

Primary product sources#

S1 — MAAF Vie, “Assurance décès — Notice d’information” (Réf. TDR. 014-06/2026)#

  • Publisher / doc type: MAAF Vie (SA, RCS Niort 337 804 819); notice d’information for a contrat d’assurance de groupe sur la vie à adhésion facultative, group contract n° 02120 subscribed by ANS Vie-Covéa, 22 pp.; tax content stated in force at 1 January 2026

  • URL: https://www.maaf.fr/fr/files/live/sites/maaf/files/DOCUMENTS/Vie_quotidienne/CG/MAAF_Conditions_generales_Assurance_deces_2313.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the attained-age revision rule; branche 20; the group wrapper; entry 18–75 and cessation at 85; PTIA/death non-cumulation; the full fractionation and frais d’échéance table and its 9,61 € worked example; the 1,30 € association subscription; PASS indexation; global participation aux bénéfices; the 990 I / 757 B tax mechanics and the prélèvements sociaux exclusion; unclaimed-capital and prescription timers; the 30-day termination right on an insurer-decided increase

S2 — Macif, “Notice d’information — Garantie Décès, Capital forfaitaire” (garanties en vigueur au 1er janvier 2019)#

  • Publisher / doc type: Prévoyance Aésio Macif (insurer); Macif and Macif-Mutualité (subscribers of group contracts n° 219.002-A and -B); notice d’information for a contrat d’assurance collectif à adhésion facultative, 21 pp.

  • URL: https://www.macif.fr/files/live/sites/maciffr/files/conditions_generales_prevoyance/PAM/NID_Deces_20190708.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the self-description as a contrat temporaire décès; PTIA as an anticipated payment due only if the insured is alive at payment; PTIA cessation five years before death cessation (75 vs 80); the différence de millésime worked example (2019 − 1967 = 52); annual cotisation evolving with age and revalorisation; the 60-day / 76 000 € provisional accident cover; suicide within 12 months; underwriting outcomes; in-force re-rating on a change of occupation or sport; the 3 450 € Sécurité sociale capital décès

S3 — MAIF VIE, “Assurance décès — Rassurcap Solutions, Note d’information”#

  • Publisher / doc type: MAIF VIE (SA, RCS Niort 330 432 782); note d’information for an individual contract, 24 pp. Retrieved via a third-party mirror (coover.fr) because MAIF’s own contractual-documentation host was not reachable. Vintage 2019–2021 — its internal worked examples are dated April/September 2019

  • URL: https://www.coover.fr/wp-content/uploads/2021/08/assurance-deces-maif-rassurcap-solutions.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the representative design and the only complete published attained-age rate card in the corpus (ages 18–74, reproduced in technical-notes.md), with the carrier’s own two worked examples (20 000 € at 34 → 30 €; 150 000 € at 49 → 900 €); the individual annual contract renewed by tacite reconduction; entry ≤ 65, death cover to the échéance after 75, IPA/PTIA to the échéance after 65; minimum capital 20 000 €; the four formality-free increases; the 30-day / 15 000 € provisional accident cover; payout modes and the 3 % annuity conversion charge; premium cessation at death or IPA; the 305 € declaration duty

S4 — MAIF, “Assurance Décès : Protégez vos proches” (product page, Rassurcap Solutions)#

  • Publisher / doc type: MAIF; insurer product page, current edition

  • URL: https://www.maif.fr/famille-vie-quotidienne/assurance-deces

  • Retrieved: YES

  • Used for: the current headline parameters of the same product as S3 — minimum capital 20 000 €, simplified underwriting to age 40 for up to 250 000 €, maximum subscription age 65, the 6,29 €/month at age 35 for 40 000 € price point that evidences rate drift against the S3 grid, and the explicit “recalcul chaque année”

S5 — MAIF, consumer guide pages “Assurance décès à fonds perdus” and “Fin du contrat d’assurance décès”#

  • Publisher / doc type: MAIF; two insurer consumer-guide pages (dated 31 March 2023 and 9 August 2018)

  • URL: https://www.maif.fr/famille-vie-quotidienne/guide-assurance-deces/a-fonds-perdus and https://www.maif.fr/famille-vie-quotidienne/guide-assurance-deces/fin-de-contrat-assurance-deces

  • Retrieved: YES (both)

  • Used for: the fonds perdu character in an insurer’s own words — “les cotisations versées restent acquises à l’assureur” — and the contrast with a vie entière contract, which may carry a tableau de rachat where a temporaire may not; restates the simplified-underwriting thresholds

S6 — Mutex, “Assurance Décès — Conditions générales / Notice d’information” (doc 20318)#

  • Publisher / doc type: Mutex; conditions générales / notice d’information, group contract with voluntary membership, 16 pp.

  • URL: https://www.mutex.fr/app/uploads/2022/06/20318_-assurance_deces-_conditions_generales.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the only published numeric formalités-médicales grid (≤ 40 000 € and ≤ 50 → no formality but a 12-month délai d’attente with return of cotisations; > 40 000 € → questionnaire médical, no waiting period; > 50 → Déclaration de Bonne Santé); entry 18–80, cessation 85 death / 80 PTIA; PTIA compulsorily attached to the death cover and terminating the adhesion; the “BON POUR ACCORD” surcotisation procedure within 15 days; repricing on age, revalorisation, legislation and the results of the death guarantees; the 10-day / LRAR / 40-day non-payment path

S7 — AXA France Vie / ANPERE, “Prévoyance — Notice d’Information Avizen”#

  • Publisher / doc type: AXA France Vie and AXA Assurances Vie Mutuelle; subscriber ANPERE; notice d’information for a contrat d’assurance de groupe à adhésion facultative, 40 pp. Retrieved via a third-party mirror. Vintage: the tax section states the regime in force at 01/09/2013 — its structural clauses are used here, its tax figures are not

  • URL: https://guide.reassurez-moi.fr/guide/wp-content/uploads/2018/12/conditions-generales-assurance-deces-axa.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: “Article 13 - Rachat et réduction. Votre adhésion ne comporte ni valeur de rachat, ni valeur de réduction”; IPT as the acceleration, ceasing at 67 against death cover to 85; the capital décès double garantie second decrement; double effet; the rente éducation 100/125/150 % steps and the rente décès halved at 65; pricing by age, occupational tariff group and smoker status; the art. L. 132-26 age-error rule; suicide “conscient ou inconscient”; premium cessation at death or IPT; PASS indexation ceasing at 70; the 15-day termination right on a tariff change

S8 — ANTARIUS (Société Générale group), “Assurance Temporaire Décès — Document d’information sur le produit d’assurance” (Antarius Protection Premium, Série C, février 2018)#

  • Publisher / doc type: ANTARIUS SA (SIREN 402 630 826), distributed through Crédit du Nord and associated banks; IPID, 2 pp., release code T3_18_V17.1_20180926.00

  • URL: https://www.assurances.societegenerale.com/fileadmin/2023/IPID/Antarius/IPID_APP_022018.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the bancassurance variant — cover conditional on holding a bank account at the group and on French/Monaco tax residence, all guarantees ceasing if either condition fails; entry 18 to under 66, death cover to the anniversary after 70, PTIA to the anniversary after 65; capital 100 000 – 1 000 000 €; the Double Effet rider capped at 500 000 €; the 10 % / 10 000 € avance; first-year suicide exclusion; suicide clause running from start or restart

S9 — MUTUALP / mutuelle LA FRONTALIÈRE, “Notice « GARANTIE DÉCÈS » — Notice d’information valant Conditions Générales au 1er janvier 2023” (n° 06015000005/01)#

  • Publisher / doc type: MUTUALP (insurer, Livre II du Code de la mutualité); mutuelle LA FRONTALIÈRE (subscriber, SIREN 421110305); notice d’information valant conditions générales, 9 pp.

  • URL: https://www.mutuelle-lafrontaliere.fr/storage/app/media/documents%20pr%C3%A9voyance/NOTICE%20DECES%20MUTUALP_LA%20FRONTALIERE_2023.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the Code de la mutualité form of the same product, self-described as “de type « assurance temporaire décès »”; “Le contrat ne comprend pas de faculté de rachat” and “Le contrat ne prévoit pas de participation aux bénéfices”; the 3-month délai d’attente; base capital 6 097,96 € to a 45 000 € ceiling; accidental supplement at +50 %; cessation at 31 December of the year of the 65th birthday; no PTIA cover; cotisations set each year by attained age changing on 1 January; the 30-day mutualité suspension timer

S10 — MetLife France, “Assurance décès : protéger sa famille” (product page)#

  • Publisher / doc type: MetLife France; insurer product page (no page date shown)

  • URL: https://www.metlife.fr/assurance-prevoyance/assurance-deces/

  • Retrieved: YES

  • Used for: the widest envelope in the corpus — subscription 18–84, temporary death cover to 90, capital to 50 M€ death and 20 M€ PTIA; pricing on age, health, occupation and smoker status with non-smoker status revisable after 12 months; and the 8,24 €/month “in year one” for a 40-year-old non-smoker with 50 000 € price point, whose own wording signals annual revision

S11 — MetLife France, “Assurance décès à fonds perdus” (guide page)#

  • Publisher / doc type: MetLife France; insurer guide page

  • URL: https://www.metlife.fr/assurance-prevoyance/assurance-deces/fonds-perdu/

  • Retrieved: YES

  • Used for: a second insurer’s own definition of the fonds perdu character — if death does not occur during cover, “les cotisations auront été versées « pour rien »” — and the contrast with the vie entière contract, which permits partial or total recovery through a surrender clause at a higher premium

S12 — MACSF, “Plan de prévoyance — libéraux” (product page)#

  • Publisher / doc type: MACSF; insurer product page. The three profession-specific DIPA PDFs it links were NOT retrieved — the page exposes only truncated /content/download/... paths, so the parameters below are recorded at page level with no capital amounts, age tables or premium structure

  • URL: https://www.macsf.fr/nos-produits-services/sante-prevoyance/prevoyance/plan-de-prevoyance/plan-de-prevoyance-liberaux

  • Retrieved: YES (page only)

  • Used for: the triplement accidentel variant — capital doubled for an accident and tripled for a road-traffic accident, terrorism, an attentat or an agression; IFTD as the PTIA acceleration under another name; entry to the day before the 57th birthday (50th for infirmières), i.e. profession-segmented age limits

S13 — La Banque Postale, “Assurance temporaire décès” (guide page, 31/05/2023)#

  • Publisher / doc type: La Banque Postale; insurer/bank guide page

  • URL: https://www.labanquepostale.fr/particulier/accompagner/actualites-et-conseils/actus/assurance-temporaire-deces.html

  • Retrieved: YES

  • Used for: the annual contract with tacite reconduction as the norm, with some contracts extending to 5 years — a claim not confirmed against any insurer contract document and therefore carried as unverified in the product documents

S15 — Previssima, “Qu’est-ce qu’une assurance temporaire décès ?” (updated 11 February 2025)#

  • Publisher / doc type: Previssima, a French insurance and social-protection reference site — secondary, not a product document; reference article

  • URL: https://www.previssima.fr/question-pratique/quest-ce-quune-assurance-temporaire-deces.html

  • Retrieved: YES

  • Used for: the capital constant / capital décroissant distinction and the statement that the decreasing form is “common in loan insurance”; and “Si le risque garanti ne survient pas pendant cette période, aucune somme n’est versée”

S16 — Meilleurtaux, “Focus assurance temporaire décès” (page dated 22 June 2026)#

  • Publisher / doc type: Meilleurtaux, a broker — secondary, not a product document; broker guide page

  • URL: https://www.meilleurtaux.com/comparateur-assurance/assurance-deces/guide-assurance-deces/focus-assurance-temporaire-deces.html

  • Retrieved: YES

  • Used for: the fonds perdus statement “aucun capital n’est versé et les cotisations déjà payées ne sont pas remboursées”; and the 10/15/20-year terms mentioned alongside the annual form, carried as unverified because the page says nothing about the premium being level

Regulatory and actuarial references (product research numbering)#

R1 — Code des assurances, art. L. 132-7 (suicide)#

  • Publisher: Légifrance. Version en vigueur : 20 août 2026, modified by LOI n° 2026-794 du 18 août 2026 – art. 18 (V)

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000006792964

  • Retrieved: YES (two independent fetches, consistent)

  • Used for: the first-year nullity of the death cover for suicide, cover from the second year, and the clock restarting on the increment after any increase; the alinéa 4 immediate cover confined to principal-residence loan cover; and the new alinéa bringing death by aide à mourir within the cover from 20 August 2026, which no retrieved product document yet reflects

R2 — Code des assurances, art. R. 132-5 (the suicide-cover ceiling)#

  • Publisher: Légifrance. Version en vigueur : 5 avril 2002

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000006811988

  • Retrieved: YES

  • Used for: the figure that makes L. 132-7 alinéa 4 operative — “Le plafond … ne peut être inférieur à 120 000 Euros” — and, by its scope, the conclusion that it does not reach a standalone temporaire décès

R3 — Code des assurances, art. L. 132-23 (no réduction, no rachat)#

  • Publisher: Légifrance. Version en vigueur : 14 juin 2026

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000038837141

  • Retrieved: YES

  • Used for: the single article that removes every cash value from this product — “Les assurances temporaires en cas de décès … ne peuvent comporter ni réduction ni rachat” — and hence the absence of any account-value or surrender state variable and the structural zero of claims_lapse

R4 — Code des assurances, art. A. 132-18 (tariff bases: technical rate and mortality tables)#

  • Publisher: Légifrance. Version en vigueur : 7 septembre 2017 (arrêté du 14 août 2017 – art. 1); the full French text is additionally reproduced verbatim inside R13

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000035514715

  • Retrieved: YES

  • Used for: the two admissible families of mortality table and the certified-experience-table route; the “most prudent tariff” rule where a single family-(a) table is used; the décalage d’âge requirement, which the article confines to contrats en cas de vie other than annuities and which therefore does not reach a temporaire décès (values not retrieved either — the Légifrance page carries only a pointer to the JO facsimile); the méthode forfaitaire permitted for annually cancellable collective death contracts; and the unverified status of art. A. 132-18-1, read only from a section listing

R5 — Code des assurances, art. A. 132-1 (maximum technical interest rate)#

  • Publisher: Légifrance. Version en vigueur : 7 septembre 2017

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000035514601

  • Retrieved: YES

  • Used for: the 75 %-of-TME cap, the min(3,5 %, 60 % TME) cap beyond eight years, and the clause binding contracts à primes périodiques “quelle que soit leur durée” — the one that reaches an annually renewable temporaire décès. The rate-step barème reported by secondary summaries was not visible in the retrieved text and is unverified

R6 — Arrêté du 20 décembre 2005 relatif aux tables de mortalité (NOR ECOT0591210A)#

  • Publisher: Légifrance (JORF)

  • URL: https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000000636581

  • Retrieved: YES

  • Used for: the homologation of TH 00-02 (male) and TF 00-02 (female) with effect from 1 January 2006, their application to contracts other than rentes viagères, and the décalage d’âge wording later carried into A. 132-18. The tables themselves are cited by name and never shipped in this library

R7 — Arrêté du 1er août 2006 portant homologation des tables de mortalité pour les rentes viagères#

  • Publisher: Légifrance (JORF)

  • URL: https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000000820127

  • Retrieved: YES

  • Used for: the homologation of the generational TGH05 / TGF05 from 1 January 2007 for annuity contracts — relevant to this product only where a death capital is converted into a rente

R8 — Code des assurances, art. A. 335-1 and its annexe (abrogated)#

  • Publisher: Légifrance. In force 26 August 2006 → 1 January 2016; abrogated by the arrêté du 28 décembre 2015 with effect from 1 January 2016

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000019265297

  • Retrieved: YES

  • Used for: the fact that any citation of “A. 335-1” in a current French product document is a legacy reference, the operative successor being A. 132-18 R4

R9 — Institut des actuaires, “Notice d’utilisation — Tables de mortalité TH 00-02 et TF 00-02”#

  • Publisher / doc type: Institut des actuaires; professional notice, 17 pp. Heads itself “ARRÊTÉ DU 29 DÉCEMBRE 2005” against Légifrance’s 20 December R6; both agree the tables took effect 1 January 2006, and the discrepancy was not resolved

  • URL: https://www.institutdesactuaires.com/docs/2007017232113_NOTICETHTF0002.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the profession’s recommendation that the décalages d’âge be applied to the q(x), not to the l(x), because shifting l(x) produces erratic q(x) growth and hence erratic provisions; and the confirmation that TH/TF 00-02 are period tables built on INSEE data and do not apply to rentes viagères. Its numeric table extracts are not reproduced in this library

R10 — Code des assurances, art. L. 111-7 (unisex pricing)#

  • Publisher: Légifrance. Version en vigueur : 24 octobre 2024 (LOI n° 2023-973 du 23 octobre 2023 – art. 35)

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000027783391

  • Retrieved: YES

  • Used for: the prohibition of direct and indirect sex-based differences in premiums and benefits, and the surviving derogation limited to contracts and group-contract adhesions “conclus ou effectuées au plus tard le 20 décembre 2012” — hence unisex new business from 21 December 2012, and the reconciliation problem against the sex-specific homologated tables. The underlying CJEU case number is unverified

R11 — Code des assurances, art. R. 343-3 (life technical provisions)#

  • Publisher: Légifrance. Version en vigueur : 1er janvier 2020

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000039739686

  • Retrieved: YES

  • Used for: the definition of the provision mathématique as the difference between the present values of the two parties’ commitments and its requirement to include future management costs equal to the tariff’s chargements de gestion; the one-category rule; and the existence of a provision d’égalisation for group death business

R12 — Code des assurances, art. R. 343-7 (provision pour risques croissants)#

  • Publisher: Légifrance. Version en vigueur : 10 juin 2024

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000047658116

  • Retrieved: YES

  • Used for: the scope point that the PRC is defined for maladie and invalidité operations, not death — so the death-cover analogue is the R. 343-3 provision mathématique

R13 — Institut des actuaires, “Provisions pour risques croissants — Guidelines” (assurance emprunteur working group, sub-group SGT4)#

  • Publisher / doc type: Institut des actuaires; professional guidance document, 43 pp.

  • URL: https://www.institutdesactuaires.com/global/gene/link.php?doc_id=17428

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the best public French treatment of how a death cover with a flat premium rate and rising mortality is reserved — “un montant de PRC est toujours constitué pendant la durée”, and “la même provision de prime s’appelle PM en vie et PRC en non-vie”; the verbatim texts of A. 343-1-1 and ANC 2015-11 art. 142-3 (eight-year spreading of a basis change); the 60 % TH 00-02 / 40 % TF 00-02 unisex mix as observed market practice; technical rates of 0,5 % and 0 % in its own illustrations; the medical-selection abatement of 70 % / 50 % / 20 % over years 1–3; and the capital initial versus capital restant dû distinction that belongs to the borrower product

R14 — Code général des impôts, art. 990 I (and 990 I bis)#

  • Publisher: Légifrance. Version date shown: 11 mars 2023

  • URL: https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069577/LEGISCTA000006162644/

  • Retrieved: YES

  • Used for: the 152 500 € per-beneficiary abattement and the 20 % / 31,25 % rates either side of 700 000 € of taxable share, and the spouse / PACS partner / sibling exemptions

R15 — BOFiP, BOI-TCAS-AUT-60 (30 March 2023) — doctrine on the art. 990 I levy#

  • Publisher: Direction générale des finances publiques

  • URL: https://bofip.impots.gouv.fr/bofip/1335-PGP.html/identifiant%3DBOI-TCAS-AUT-60-20230330

  • Retrieved: YES

  • Used for: the scope statement this product needs — the levy expressly reaches assurance décès temporaire and assurance décès pure where the beneficiary is designated à titre gratuit, and excludes contracts designated à titre onéreux, the paradigm being loan cover assigned to a lender; plus the post-70 art. 757 B rule and its 30 500 € abattement

R16 — CNP Assurances, “Notice explicative : attestation sur l’honneur article 990 I du code général des impôts”#

  • Publisher / doc type: CNP Assurances (SA, RCS Paris 341 737 062); insurer tax-procedure notice, 2 pp., no document date printed

  • URL: https://www.cnp.fr/media/fichiers/particuliers/faq/remplir-l-attestation-sur-l-honneur-etablie-en-application-de-l-article-990-i-du-code-general-des-impots

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the levy stated in capital terms as an insurer applies it — 20 % between 152 500 € and 852 500 €, 31,25 % above 852 500 € — and the insurer’s duty to withhold and remit, which is why the beneficiary files the attestation sur l’honneur

R17 — Convention AERAS, version actualisée 2023#

  • Publisher / doc type: the State, banking and insurance federations and patient/consumer associations; inter-professional convention, 44 pp.

  • URL: https://www.aeras-infos.fr/files/live/sites/aeras/files/contributed/docs/Convention%20AERAS%202023.pdf

  • Retrieved: YES (PDF downloaded, full text extracted)

  • Used for: the scope finding that matters most here — AERAS applies to prêts immobiliers, prêts professionnels and prêts à la consommation affectés ou dédiés, and nothing in the retrieved text extends it to a standalone temporaire décès; plus the three examination levels, the age-71 and 420 000 € third-level conditions, the 17 000 € / 4-year / age-50 questionnaire waiver, the écrêtement income tests and the 1,4-point TEG cap, the five-year droit à l’oubli, and the grille de référence setting maximum surprimes per garantie; and the record that the loi Lemoine questionnaire removal is a borrower measure

R18 — aeras-infos.fr, the convention’s official site#

  • Publisher: signatories of the Convention AERAS

  • URL: https://www.aeras-infos.fr/

  • Retrieved: YES (partially — summary pages render; per-figure detail sits in the PDF at R17)

  • Used for: confirmation that the 2023 version is current and carries an avenant signed 5 July 2024

R19 — Code général des impôts, art. 757 B (premiums paid after age 70)#

  • Publisher: Légifrance

  • URL: not resolved — the article’s Légifrance identifier could not be located without a web search, and no URL was guessed

  • Retrieved: NO. Known reference only (fetched_ok = false)

  • Used for: nothing substantive. It is cited in product-spec.md only to record that the product research did not reach the article, so that the 30 500 € abattement and the post-70 rule rest on R15, R16, [S1] and [S3] — and, at article level, on the cross-product entry REG-R41, which was retrieved and closes this gap

R20 — ACPR (Autorité de contrôle prudentiel et de résolution)#

  • Publisher: ACPR / Banque de France

  • URL: https://acpr.banque-france.fr/ (and https://acpr.banque-france.fr/en)

  • Retrieved: NO — HTTP 403 Forbidden on both roots, on repeated attempts. Known reference only (fetched_ok = false)

  • Used for: nothing substantive. Cited in product-spec.md only to disclose that no ACPR analyse et synthèse on prévoyance was retrieved, and that the ACPR appears in these documents solely as the supervisory authority named in the notices [S1] [S2] [S6] [S9]

R21 — France Assureurs, “Nos chiffres clés — L’assurance santé et prévoyance”#

  • Publisher: France Assureurs

  • URL: https://www.franceassureurs.fr/nos-chiffres-cles/lassurance-sante-et-prevoyance/

  • Retrieved: YES (headline figure only)

  • Used for: “40,3 Md€ Cotisations en assurance prévoyance en 2025” — and, equally, for the disclosure that the page does not break the figure down by garantie, so there is no sourced size for the standalone temporaire décès segment

Cross-product references ([REG-R#])#

[REG-R#] tags resolve against the cross-product French reference library references/regulatory-and-actuarial-references.md (its own R-numbering, R1–R49, frozen; research provenance in _research/regulatory-actuarial.md). Entries cited by the temporaire décès documents:

  • REG-R1 — Directive 2009/138/CE (Solvabilité II). fetched_ok: no (EUR-Lex WAF challenge); all its article numbers are unverified in this library.

  • REG-R2 — Règlement délégué (UE) 2015/35. fetched_ok: no (same challenge) — which is why no contract-boundary rule, cost-of-capital rate or standard-formula shock here rests on a retrieved text.

  • REG-R3 — Directive (UE) 2025/2 (Solvency II review); new rules take effect 30 January 2027. fetched_ok: no.

  • REG-R4 — EIOPA Solvency II framework page: the verified carrier for the best-estimate-plus-risk-margin statement and the three-pillar structure. fetched_ok: yes.

  • REG-R5 — EIOPA risk-free interest rate term structures, published monthly. fetched_ok: yes.

  • REG-R6 — C. ass. art. R. 343-3, the eleven French life technical provisions. fetched_ok: yes.

  • REG-R10 — CMF art. L. 612-1, the ACPR as supervisor. fetched_ok: yes.

  • REG-R14 — C. ass. art. L. 331-3, the statutory participation aux bénéfices obligation. fetched_ok: yes.

  • REG-R17 — C. ass. arts. A. 132-1 / A. 132-1-1, maximum technical interest rate. fetched_ok: yes.

  • REG-R22 — Arrêté du 20 décembre 2005, homologation of TH 00-02 / TF 00-02 (non-annuity tables). fetched_ok: yes.

  • REG-R23 — C. ass. art. A. 335-1 and its Annexe: the two permitted table families, the most-prudent rule, the méthode forfaitaire for annually cancellable collective death contracts, and the only retrieved décalage d’âge values (TF 00-02 from −11 at ages 16–32 to 0 at 94+; TH 00-02 from −13 at ages 16–38 to −3 at 75+). fetched_ok: yes (served as the pre-2016 version).

  • REG-R24 — INSEE national mortality series: the intended base for a user-supplied replacement decrement table. The entry records that the INSEE page states no licence or reuse conditions; standard open-data terms are assumed there and that assumption is unverified, so a user should confirm before redistributing derived CSVs. fetched_ok: yes.

  • REG-R29 — C. ass. arts. L. 132-5-1 / L. 132-5-2, the 30-day renonciation. fetched_ok: yes.

  • REG-R30 — C. ass. arts. A. 132-4 / A. 132-8, the note d’information and the one-page encadré. fetched_ok: yes.

  • REG-R31 — C. ass. arts. L. 132-21 / L. 132-22 / L. 132-23-1: the death-settlement clock (15 days to request documents, one month to pay from the complete file). fetched_ok: yes.

  • REG-R37 — France Assureurs, Statistiques Convention AERAS 2023: the only public French price point on rated lives (average 1,01 % of initial capital before écrêtement, 0,65 % after) and the death 65 % / PTIA 87 % no-surprime offer rates. fetched_ok: yes.

  • REG-R39 — Loi n° 2014-617 (loi Eckert): unclaimed life contracts transfer to the Caisse des dépôts after ten years, with revaluation continuing until deposit. fetched_ok: yes.

  • REG-R41 — CGI arts. 990 I and 757 B: the retrieved article-level source for 757 B, closing the gap left by R19. fetched_ok: yes.

  • REG-R44 — Institut des actuaires NPA 2, Modèles actuariels — the professional standard this library’s model documentation sits under. fetched_ok: yes (NPA 4 not retrieved, unverified).

  • REG-R45 — IFRS 17 Insurance Contracts, effective 1 January 2023 with no French carve-out. fetched_ok: yes.

  • REG-R49 — France Assureurs chiffres clés: the assurance vie market scale used only as a comparator (€19,3 bn in June 2026). fetched_ok: yes.

Provenance note#

Extraction details — which fact was read from which document, section-level notes, and the seventeen-item gaps-and-caveats register — live in _research/temporaire-deces.md. That file is the citation ground truth for the S# and R# numbering used here. The caveats that most affect what these product documents can claim are: no level-premium French standalone contract was found, so the constante form is a std construction; the published rate card [S3] is a 2019–2021 vintage retrieved from a third-party mirror, usable for shape but not level; the décalages d’âge values annexed to the current art. A. 132-18 were not retrieved R4, with the abrogated annexe’s values available only through REG-R23; the regulatory mortality tables are cited, never shipped, so every decrement in the model is a std proxy; no French insurer publishes a pricing basis, a surprime scale, a lapse rate or an expense loading, so every assumption in class (c) of the technical notes is std; art. L. 132-7 changed on 20 August 2026 and no retrieved product document yet reflects it R1; and three official French sources — the ACPR site R20, the economie.gouv.fr AERAS page and the service-public fiche (both R23) — returned errors, so no official government-portal description of this product appears anywhere in this file.

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