Audit of escheated contracts: Are you ready?



Regulatory And Compliance


Although laws were passed in 2005 and 2007 to specify the obligations of insurers in the search for and settlement of unpaid contracts, it is the law of 13 June 2014, known as the “Eckert Law”, which is now the reference text for the management of unpaid contracts.

Since this law came into force on 1 January 2016, all market participants have had to set up vast projects in order to comply with the regulators’ expectations. The attention paid by the General Management to this subject has been all the more important as heavy sanctions were pronounced by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) on the basis of the 2005 and 2007 laws, even before the Eckert Law came into force. To date, no sanction has been pronounced after the entry into force of the Eckert Law.

Ailancy has contributed to various Eckert Law compliance projects for leading players in the insurance and mutual insurance sectors. Our interventions have covered all aspects of this law, and have helped with various aspects of implementation: programme management, clearance of CNR stocks, implementation of new management processes, as well as support during an ACPR inspection.

In this document, Ailancy offers you feedback from an Eckert Law audit, as well as a support approach for the preparation and management of an inspection by the regulator.

In addition, we provide you with a confidential tool to assess your level of compliance with the regulation on unclaimed contracts. To obtain it, please contact Grégory Vereecque, Senior Consultant at AILANCY (


Grégory Vereecque


Rania Errarhib

Senior Manager - Insurance

Sébastien Fauveau

Partner - Insurance

Related publications