{"id":3103,"date":"2024-06-04T15:28:42","date_gmt":"2024-06-04T13:28:42","guid":{"rendered":"https:\/\/aurexia.com\/insights\/?p=3103"},"modified":"2024-06-04T16:46:45","modified_gmt":"2024-06-04T14:46:45","slug":"conformite-des-contrats-obseques","status":"publish","type":"post","link":"https:\/\/aurexia.com\/insights\/conformite-des-contrats-obseques\/","title":{"rendered":"Conformit\u00e9 des contrats obs\u00e8ques"},"content":{"rendered":"\n<p>Nous avons le plaisir de vous adresser notre analyse\u00a0 d\u2019impacts et notre proposition de d\u00e9marche de mise en conformit\u00e9 avec la recommandation ACPR 2015-R-02 sur la commercialisation de contrats d\u2019assurance obs\u00e8ques. Cette derni\u00e8re a fait l\u2019objet d\u2019un communiqu\u00e9 de presse le 3 novembre 2023 et d\u2019une conf\u00e9rence de l\u2019ACPR le 6 mars 2024.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-dark-blue-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2024\/06\/Aurexia-Conformite-contrats-obseques-juin2024.pdf\" style=\"border-radius:0px;color:#ffffff\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9chargez l&rsquo;\u00e9tude<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Contexte et recommandations ACPR<\/strong><\/h2>\n\n\n\n<p><em>Dans un communiqu\u00e9 de presse datant du 3 novembre 2023, <\/em><strong><em>l\u2019ACPR a indiqu\u00e9 avoir constat\u00e9 de nombreux manquements dans l\u2019application de la recommandation de 2021 sur la distribution d\u2019assurances obs\u00e8ques<\/em><\/strong><em>. En ce sens, l\u2019ACPR a men\u00e9 <\/em><strong><em>300 visites myst\u00e8res <\/em><\/strong><em>chez un panel de 16 r\u00e9seaux de distributions repr\u00e9sentatifs.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Principales caract\u00e9ristiques des contrats d\u2019assurances obs\u00e8ques<\/strong><\/h2>\n\n\n\n<p>Le co\u00fbt des obs\u00e8ques pour une inhumation s\u2019\u00e9tablit en <strong>moyenne \u00e0 3 815 \u20ac<\/strong>. En r\u00e9ponse \u00e0 son co\u00fbt \u00e9lev\u00e9, l\u2019assurance obs\u00e8ques permet de soulager financi\u00e8rement les proches au moment du d\u00e9c\u00e8s et en particulier ceux en prestation, de sp\u00e9cifier sa pr\u00e9f\u00e9rence en mati\u00e8re de services fun\u00e9raires.<\/p>\n\n\n\n<p>En chiffres, 500\u00a0000\u00a0contrats souscrits chaque ann\u00e9e et 5\u00a0millions de d\u00e9tenteurs au total (pour 1,5\u00a0milliard d\u2019euros de cotisations)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les enjeux pour les \u00e9tablissements au-del\u00e0 de la mise en conformit\u00e9<\/strong><\/h2>\n\n\n\n<p>L\u2019ACPR a annonc\u00e9 qu\u2019en 2024, elle proc\u00e9derait \u00e0 des contr\u00f4les de l\u2019application de la recommandation 2015-R-02. Mener les travaux de mise en conformit\u00e9 permettrait d\u2019\u00e9viter d\u2019\u00eatre sanctionner mais \u00e9galement :\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Meilleur service client <\/li>\n\n\n\n<li>Optimisation des processus <\/li>\n\n\n\n<li>Am\u00e9lioration de l&rsquo;image de marque <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment Aurexia peut vous accompagner ?<\/strong><\/h2>\n\n\n\n<p><strong>130 experts de la banque et de l\u2019assurance <\/strong>\u00e0 m\u00eame de vous accompagner sur toutes les phases de vos projets : <strong>\u00e9tude d\u2019opportunit\u00e9<\/strong>, <strong>cadrage d\u2019impact<\/strong>, <strong>pilotage et mise en \u0153uvre, accompagnement au changement et d\u00e9ploiement.<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nous avons le plaisir de vous adresser notre analyse\u00a0 d\u2019impacts et notre proposition de d\u00e9marche de mise en conformit\u00e9 avec&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3110,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[29],"tags":[49,429,177],"class_list":["post-3103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-assurance","tag-obseques","tag-reglementation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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