I am looking for an unclaimed life insurance policy

The life insurance policies concerned are:

  • Personal life insurance policy
  • Group life insurance policy

Life insurance policy whose policyholder is alive

Insurance company

for 10 years

A life insurance policy is closed and its balance transferred to Caisse des Dépôts if the beneficiaries have not been tracked down after 10 years.

If the policy you are looking for expired less than 10 years ago, it will still be held by the insurance company.

Caisse des Dépôts

for 20 years

Caisse des Dépôts keeps the sums it receives for up to 20 years.

That means you have 20 years in which to ask Caisse des Dépôts to return these assets via Ciclade.fr

State

after 30 years

If there has been no contact on the part of either the holder or his/her entitled parties after 30 years, the assets are transferred irreversibly to the State.

Once this happens, it is no longer possible to ask for their restitution.

Life insurance policy whose policyholder is deceased

Insurance company

for 10 years

A life insurance policy is closed and its balance transferred to Caisse des Dépôts if the beneficiaries have not been tracked down after 10 years.

If the policy you are looking for expired less than 10 years ago, it will still be held by the insurance company.

Caisse des Dépôts

for 20 years

Caisse des Dépôts keeps the sums it receives for up to 20 years.

That means you have 20 years in which to ask Caisse des Dépôts to return these assets via Ciclade.fr

State

after 30 years

If there has been no contact on the part of the entitled parties after 30 years, the assets are transferred irreversibly to the State.

Once this happens, it is no longer possible to ask for their restitution.
 

If you have reason to believe that you are a beneficiary of a life insurance policy whose policyholder died within the last ten years, send a letter to the Association for the Management of Information on Insurance Risk (AGIRA). This association will forward your claim onto the insurance companies which are then obliged to track down beneficiaries.

AGIRA, Association pour la Gestion des Informations sur le Risque en Assurance
1 rue Jules Lefebvre
75431 PARIS CEDEX 09

You can also check out

What is Ciclade?
How do I set about searching for my money?