Life insurance inheritance allowance what strategy in 2025

Extract:
Life insurance enables you to pass on up to one hundred and fifty-two thousand five hundred euros per beneficiary, a major asset for preparing your estate in Massy and neighboring towns.

Passing on your estate through life insurance entitles each beneficiary to an allowance of one hundred and fifty-two thousand five hundred euros, an essential tool for reducing inheritance taxes in Massy, Palaiseau, or Chilly-Mazarin.

Author bio:
Nicolas Benoit, real estate agency director at Nicolas Immobilier, is a recognized local expert in Massy, Palaiseau and Chilly-Mazarin, and supports families in all their property and estate planning goals.

Why use life insurance to pass on your assets?
From the first deposit, life insurance has a clear tax advantage in case of death. Sums paid before turning seventy enjoy an individual allowance of up to one hundred and fifty-two thousand five hundred euros per named beneficiary, regardless of the relationship. A couple with two children can therefore pass on up to three hundred and five thousand euros tax free. Sums paid after seventy benefit from a global allowance of thirty thousand five hundred euros, while the earnings remain exempt from inheritance tax.

Massy, a city where property value requires efficient strategies
With real estate prices climbing above four thousand euros per square meter in Massy, the right estate planning strategy is essential. By combining direct property holding with life insurance, families can optimize the transfer of their assets and minimize taxation.

Real estate or life insurance: the smart mix
Combining property ownership in Massy with a life insurance policy lets you avoid undivided ownership complications while maximizing flexibility in naming beneficiaries and reducing overall succession costs.

Practical advice for Massy, Palaiseau, Chilly-Mazarin
Start your estate planning with a free, instant online estimate from Massy or neighboring towns; carefully draft your beneficiary clause and distribute contracts to maximize relief allowances for each transfer.

Advice from Nicolas Immobilier in Massy, Palaiseau, and Chilly-Mazarin
Act now to secure favorable tax and succession terms. Pay special attention to beneficiary clauses, request a property valuation online, and combine real estate acquisition with life insurance to optimize current regulations.

Learn more:
Site de l’agence immobilière : https://nicolas-benoit-immobilier.fr
Acheter immobilier Massy Palaiseau Chilly-Mazarin : https://nicolas-benoit-immobilier.fr/acheter-un-bien
Estimation immobilière en ligne, gratuite, immédiate : https://nicolas-benoit-immobilier.fr/estimation-en-ligne
Nous connaître : https://nicolas-benoit-immobilier.fr/agence-immobiliere-massy
Source de l’article : https://nicolas-benoit-immobilier.fr/actualite/assurance-vie-et-succession-quel-abattement-fiscal-en-2025

Main topics in this article:

• Inheritance allowance
• Life insurance
• Estate tax
• Massy price
• Valuation