{"id":2411,"date":"2022-03-30T10:31:22","date_gmt":"2022-03-30T10:31:22","guid":{"rendered":"https:\/\/rouzade.com\/?p=2411"},"modified":"2024-05-06T11:03:27","modified_gmt":"2024-05-06T09:03:27","slug":"nuzhno-li-deklarirovat-assurance-vie-v-nalogovoj","status":"publish","type":"post","link":"https:\/\/rouzade.com\/en\/nuzhno-li-deklarirovat-assurance-vie-v-nalogovoj\/","title":{"rendered":"Do I need to declare Assurance Vie to the tax authorities?"},"content":{"rendered":"<p>Assurance Vie is a favorite savings product of the French, in particular due to its favorable taxation. But when it comes to declaring income from your investments, the process can get complicated.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/en\/nuzhno-li-deklarirovat-assurance-vie-v-nalogovoj\/#%d0%9a%d0%b0%d0%ba_%d0%b7%d0%b0%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d1%82%d1%8c_assurance_vie_%d0%b2_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%b2%d0%be%d0%b9\" >How to declare Assurance Vie to the tax office?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/en\/nuzhno-li-deklarirovat-assurance-vie-v-nalogovoj\/#%d0%a7%d1%82%d0%be_%d0%bd%d1%83%d0%b6%d0%bd%d0%be_%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d1%82%d1%8c_%d0%bf%d1%80%d0%b8_%d0%bf%d0%be%d0%bb%d0%bd%d0%be%d0%bc_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b8%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%b0_assurance_vie\" >What must be declared upon full repayment of the Assurance Vie agreement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/en\/nuzhno-li-deklarirovat-assurance-vie-v-nalogovoj\/#%d0%a7%d1%82%d0%be_%d0%bd%d0%b5%d0%be%d0%b1%d1%85%d0%be%d0%b4%d0%b8%d0%bc%d0%be_%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d1%82%d1%8c_%d0%bf%d1%80%d0%b8_%d1%87%d0%b0%d1%81%d1%82%d0%b8%d1%87%d0%bd%d0%be%d0%bc_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b8_assurance_vie\" >What must be declared when partially repaying Assurance Vie?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/en\/nuzhno-li-deklarirovat-assurance-vie-v-nalogovoj\/#%d0%9a%d0%b0%d0%ba_%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d1%83%d0%b5%d1%82%d1%81%d1%8f_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%b0_assurance_vie\" >How is the repayment of an Assurance Vie agreement declared?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d0%b7%d0%b0%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d1%82%d1%8c_assurance_vie_%d0%b2_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%b2%d0%be%d0%b9\"><\/span>How to declare Assurance Vie to the tax office?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the early stages of a life insurance contract, as a rule, a declaration is not required. Of course, payments under the agreement are not taxed and are not subject to declaration to the tax authorities. As for income from your investments, they do not have to be reported on your tax return. Your insurer is the tax operator and is responsible for automatically deducting social contributions due under the contract and all declarations to the tax authorities. But the situation changes in case of repayment. Regardless of whether it is full or partial, it must be declared to the tax authorities.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bd%d1%83%d0%b6%d0%bd%d0%be_%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d1%82%d1%8c_%d0%bf%d1%80%d0%b8_%d0%bf%d0%be%d0%bb%d0%bd%d0%be%d0%bc_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b8%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%b0_assurance_vie\"><\/span>What must be declared upon full repayment of the Assurance Vie agreement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When the contract is fully paid off and closed, the capital gain must be declared to the tax authorities for tax purposes. This capital gain corresponds to the difference between all contributions paid since the opening of the contract and the maturity amount of the contract.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2418\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/3-1.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/3-1.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/3-1-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/3-1-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/3-1-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/3-1-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bd%d0%b5%d0%be%d0%b1%d1%85%d0%be%d0%b4%d0%b8%d0%bc%d0%be_%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d1%82%d1%8c_%d0%bf%d1%80%d0%b8_%d1%87%d0%b0%d1%81%d1%82%d0%b8%d1%87%d0%bd%d0%be%d0%bc_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b8_assurance_vie\"><\/span>What must be declared when partially repaying Assurance Vie?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In case of partial repayment, the same principle applies. It is necessary to calculate the portion that represents taxable capital gains in the amount withdrawn. The insurer is responsible for this calculation in proportion to the total amount of the contract at the time of partial repayment. It is these capital gains that must be declared for income tax purposes.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d0%b4%d0%b5%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d1%80%d1%83%d0%b5%d1%82%d1%81%d1%8f_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%b0_assurance_vie\"><\/span>How is the repayment of an Assurance Vie agreement declared?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whether full or partial repayment, the insured must choose between the option of a lump sum deduction or a progressive income tax scale. This choice is made at the time of repayment, not when filing your tax return.<\/p>\n<p>If the flat rate deduction option is selected, the insurer will withhold the corresponding amount of tax at the time of redemption. In the annual tax return, the surrender amount is automatically pre-populated by the insurer and tax authorities, even if it has already been taxed. If the general regime has been chosen, the corresponding capital gains are also included in the income tax return. They are taxed differently depending on the duration of the contract:<\/p>\n<ul>\n<li>or as \u201celigible income\u201d under an Assurance Vie opened 8 or more years ago;<\/li>\n<li>or as \u201cincome not entitled to tax relief\u201d for contracts concluded for less than 8 years.<\/li>\n<\/ul>\n<p>The tax authorities are responsible for calculating an additional tax benefit of \u20ac4,600 (for a single person, \u20ac9,200 for a couple) on capital gains realized on contracts of more than 8 years.<\/p>\n<p>If you want to open an investment savings contract, sign up for a free consultation, I\u2019ll be happy to help.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Sign up for a consultation<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Find out about the French&#039;s favorite savings product, Assurance Vie, in particular because of its tax advantage.<\/p>","protected":false},"author":1,"featured_media":2417,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[314],"class_list":{"0":"post-2411","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-nalogovye-lgoty-ru"},"acf":[],"yoast_head":"<title>\u041a\u0430\u043a \u0437\u0430\u0434\u0435\u043a\u043b\u0430\u0440\u0438\u0440\u043e\u0432\u0430\u0442\u044c Assurance Vie \u0432 \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u043e\u0439?<\/title>\n<meta name=\"description\" content=\"\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0435\u0435 \u043f\u0440\u043e \u043d\u044e\u0430\u043d\u0441\u044b 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