To envisage a will …

The will is essentially used to manage your wishes in matters of succession, more rarely in funeral management. However, the law provides for the possibility in the management of a succession of a fixed sum for the assumption of funeral expenses. This sum is often very insufficient for a funeral that takes place in the same town of death.


The central file of the last will provisions (FCDDV)?

The FCDDV, in France, commonly known as the wills file, centralizes in a single place for the whole of France the information relating to the wills received by the notaries; This makes it possible to verify 3 points: the existence or not of the will, the place of filing and coordinates of the notary where the will is located, a verification of the civil status of the person concerned.

It is therefore a Notary who, whatever the form of the testament (holographic, authentic, mystical) who proceeds to the registration to the FCDDV.



Why consult the FCDDV?

When settling an estate, you can ask the FCDDV to find out:

– the contact details of the notary office which ensures its conservation and access,

– if the will or acts expressing the last wishes of the deceased includes information concerning his funeral.

If no will exists, you will have to do according to what you know about the deceased loved one.



You do not have a Notary?

Often the question arises as to whether the use of a notary is mandatory in the context of an estate? If you find yourself in any of the following situations, you must use a notary:

– the estate includes real estate (to establish the certificate of real estate ownership),

– the amount of the estate is equal to or greater than € 5,000 (to establish the act of notoriety to prove his status as heir),

– there is a will or gift between spouses (marriage contract …).

Repatriation of the body, what is it?

Whether your motivation is related to reasons of identity, or that your wishes are motivated by heart bonds, it is common that a person living in mainland France wishes to rest in his homeland. Let’s see the practical meaning of the thing without avoiding the budgetary aspects.

Repatriation assistance

Note that it is forbidden to do this on your own. The law requires the use of licensed professionals who will work cooperatively to care for the deceased. Each territory, each diaspora having its customs, the organization which will assure the assistance repatriation is in charge of mastering (with the possible help of the embassies or consulates) all the administrative, technical and logistical procedures of the transport of the body. These fees are often quite high. Talk about it to find out how much it costs to people you know who have already experienced this. They will certainly tell you, that it is better to take out a Funeral Guarantee which contains a “repatriation assistance of body” (expenses supported in the guarantee).

The repatriation trip

The principle is based on the need to travel the body of the deceased and generally to cross one or more borders. Air transport is preferred to the alternative of the road. Once the assistance is requested, the coordination team (funeral societies, freight, airlines) will set up to organize the repatriation trip. After formalization of the repatriation quote, an administrative file is created, which makes it possible to carry out the administrative and legal steps (town hall, prefecture, consulate, police station). As you will have understood, the delay in setting up the repatriation of a body can vary (complexity of the context, experience of the speakers on the international relations …). Again, your friends who have experienced this will tell you that it is better to choose professionals who are used to this technical and also diplomatic management.

To be even more “pragmatic” three particular points. During the journey, the body of the deceased is necessarily placed in a hermetic zinc envelope inside a coffin. It may also be, depending on the country of destination, that some care of conservation of the body is required (made by the thanatopractor). The family is sometimes allowed to board the same flight as the deceased. A good funeral repatriation bodyguard will support 1 to 2 tickets for accompanying persons.


The Guarantee Funeral Repatriation of Body Legal Protection Funeral

You subscribe to a contract that provides you with financial capital (a sum of money) to pay for funeral expenses, including repatriation. In the list of eligible expenses, all the funeral guarantees do not necessarily have the possibility of sending the body of the deceased across borders, except sometimes in case of accidental death arriving abroad. But if the death concerns a person currently living in France and wishing to be repatriated for example to an overseas territory, the repatriation costs of the body will remain the responsibility of relatives, if the contract does not provide. As a result, you will have made the wrong choice, that is, one that does not completely fit your needs and wishes.
This is why Universcia has also added a Funeral Legal Protection in the contract. Indeed, the intervention of a lawyer or a legal service may be necessary in some cases of funeral arrangements. Attention, this legal protection is not provided for anything other than the disputes related to the organization of the funeral of the deceased. Ask your Universcia advisor if you think your file may have legal complications. Anticipating these risks will be an important action in repatriation assistance and in the fluid management of the context.


For everyone it is quite easy (and common) to confuse funeral insurance and death insurance.

The funeral insurance is related to funeral funding, or even the costs related to their organization (casket or urn, ceremony, care and preparation of the body, transport of the deceased, the repatriation of the body and the financing of the trip of relatives to the place burial, gravestone, but also announcements, digging of the pit, the concession …).

Death insurance means providing for the payment of a capital (or annuity) to a beneficiary in the event of the death of the insured person before the end date of the contract. You will then have to choose a fixed-term contract (10 years, 15 years, 20 years) and withhold an amount to be paid to the beneficiary. These two variables, associated age that you have when you subscribe, determine the amount of contributions. Let’s take an example with a 15-year contract. If the insured dies after 12 years, the agreed sum will be paid to the beneficiary. On the other hand if after 15 years, the death did not occur, the sums committed will be lost for you (serve to cover the expenses of the others). As you can see, life insurance is recommended for those who are still young people who live in the home (the highest income of the home for example) and want to protect their family in case of premature death in the face of a financial commitment (taken from 15 years for example). Banks often offer you this type of contract when you buy a loan and want to avoid this risk. However, you may also want to buy life insurance when you have dependent children and you want to avoid the risk of your premature death, which can jeopardize their future (funding of studies …).

Next article: If your goal is to build capital to be passed on to a loved one after your death, it is life insurance that must be built. You save according to your rhythm and once the moment of death, the beneficiary will receive the capital saved.