AGIRA beneficiary search
A mechanism that lets anyone who believes they are the beneficiary of a life insurance contract ask, free of charge, whether a contract exists in their favor.
The named beneficiary of a life insurance contract is often not told of the designation, and the insurer does not always learn of the insured's death. AGIRA, an insurers' professional association, receives requests from people who think they are beneficiaries and forwards them to all insurers, who must check their files and, if there is a contract, contact the beneficiary. The mechanism reverses the burden of the search: the beneficiary triggers it, rather than the insurer having to guess. It preceded the heavier obligations of the Eckert law, which require the insurer to check every year whether its insureds have died.
The French law of December 15, 2005 opened this request to anyone, on proof of death; the Eckert law of June 13, 2014, applied from January 1, 2016, added insurers' annual check of the death register and the transfer of unclaimed sums to the Caisse des dépôts.
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