Lors d’une séance de questions à l’Assemblée nationale, un député a demandé au gouvernement des précisions sur certaines modalités de fonctionnement du plan d’épargne retraite populaire (Perp). Ce député est parti du constat qu’au décès du souscripteur d’un Perp, les sommes épargnées sont, en principe, définitivement perdues pour ses héritiers et/ou son conjoint survivant. Un principe qui peut sembler sévère compte tenu de l’effort particulier que le souscripteur a consenti pour préparer sa retraite ! Le député a, en outre, souligné que l’épargne accumulée sur un Perp est restituée obligatoirement sous la forme d’une rente viagère calculée sur une estimation de l’espérance de vie du souscripteur. Des règles qui peuvent être considérées comme pénalisantes dans certaines situations.
En réponse à ces remarques, le gouvernement a indiqué que le plan d’épargne retraite populaire est un contrat d’assurance de groupe dont l’exécution est liée à la cessation d’une activité professionnelle. Il a également rappelé que les établissements financiers qui proposent ce produit d’épargne offrent toujours la possibilité à l’assuré de souscrire une contre-assurance décès. Cette dernière permet de reverser les droits acquis par l’adhérent en cas de décès :
– sous la forme d’une rente viagère versée à un ou plusieurs bénéficiaires désignés, ou à défaut au conjoint ;
– sous la forme d’une rente temporaire d’éducation au profit des enfants mineurs à la date du décès, versée jusqu’à l’âge de 18 ou de 25 ans.
Par ailleurs, le gouvernement a précisé que l’assureur est tenu de remettre avant la conclusion du contrat une notice d’information contenant l’essentiel des modalités et garanties du contrat. De plus, l’assureur doit informer, chaque année, l’adhérent de l’estimation du montant de la rente viagère qui lui serait versée à partir des droits acquis. Sachant que l’Autorité de contrôle prudentiel et de résolution (ACPR), qui est une autorité administrative indépendante, se charge de veiller au respect de ces obligations par l’ensemble des professionnels de l’assurance.
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