The total transferability of life insurance policies between insurers was ultimately rejected by Parliament in favour of a simple internal portability of policies within the same insurer.

The temptation is great to see this partial portability as a simple technical provision with little impact on the insurer, who would retain the possibility of using certain criteria to limit the movement of funds (e.g. entry fees).

However, contrary to a movement at the exclusive initiative of the client, a portability promoted and supervised by the insurer is likely to bring benefits that are far from negligible: simplification of the range, enhancement of the options of the most recent contracts – and therefore of self-care -, increase in the rate of unit-linked products on contracts not eligible for Fourgous…

It is therefore essential that the transfer of contracts be anticipated by the insurer itself on the basis of a controlled plan, and not passively undergone as a result of customer requests.