Can heirs know the beneficiary of a life insurance contract?
Can heirs identify the beneficiary of a life insurance contract? Here is the 2026 AGIRA process and its limits.
Expert note: This article was written by our chartered accountancy firm. Information is current as of 2026. For a personalised review of your situation, contact us.
Can heirs know the beneficiary of a life insurance contract?
Updated March 2026 - Heirs can request a search for the existence of a life insurance contract after death, but that does not mean they automatically learn the identity of the beneficiary.
See also why life insurance matters for business owners, how to optimize your wealth and quasi-usufruct.
Main point
AGIRA can be asked to search for contracts, but the insurer contacts the beneficiary, not necessarily the requester.
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Conclusion
The best protection remains a clear, updated beneficiary clause.
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Article written by Samuel HAYOT
Chartered Accountant, registered with the Institute of Chartered Accountants.
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