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Life is unpredictable, and it's essential to be prepared for all eventualities, including the end of your own life. Failing to plan ahead can have devastating consequences for you and your loved ones.
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Sauvegardez vos données de vie pour en simplifier la transmission et faciliter les démarches décès.
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Inventory of what to do and who to notify in the event of death
Réaliser un inventaire et rechercher des informations manquantes après décès.
Suite au départ d’un proche, Postumo permet d’établir un inventaire complet de la situation du défunt as well as the beneficiaries based on the life history of the deceased and the spouse.
En comprenant le profil du défunt ainsi que celui du conjoint, cela permet de savoir exactement qui prévenir en cas de décès et de n’oublier aucune démarche. Le questionnaire Postumo est un guide vous aide à identifier des informations manquantes auxquelles la famille n’aurait pas pensé.
L’offre Essentielle de Postumo permet d’aider les proches à simplifier cette analyse et de préparer pour la famille toute les formalités appropriées. Elle permet également de rapidement identifier les aides éligibles. Avec la collecte de documents chez le défunt, il sera simple de finaliser les démarches décès.
L’avantage de cette offre est qu’elle couvre des thématiques auxquelles la famille n’aurait pas pensé.
Pour les gens prévoyants qui souhaitent prendre les devants en sauvegardant leurs informations importantes, ils existe une solution. Avec l’offre Sérénité de Postumo, l’organisation en amont prend une nouvelle dimension. En plus d’établir un inventaire complet de la situation du défunt et des ayants-droit, cette option permet d’assurer que les démarches nécessaires bien avant un éventuel décès pourront être réalisées correctement. Cela inclut la sécurisation des informations importantes, assurant ainsi que rien ne soit oublié et que la transmission aux proches soit fluide et sans stress pour la famille.
Grâce à l’offre Essentielle, un questionnaire soigneusement élaboré, est mis à disposition. Le service covers 17 themes : par exemple la situation personnelle, familiale, professionnelle, juridique, véhicule(s) motorisé(s), association(s) caritative(s), numérique(s), armes à feu. L’immobilier, banques, assurances sont and the social part to maintain or obtain social rights.
Postumo facilite la préparation des formalités et donc la gestion de l’après-décès by providing a complete list of organizations to contact and letters to send.
Après le décès d’un proche, la famille a l’obligation de notifier les administrations et organisations du départ de ce dernier. Pour bien effectuer cette partie administrative, il est important de réaliser un inventaire après décès de ses biens, de ses dettes, de ses abonnements etc, ce qui va permettre de savoir précisément qui prévenir, les différents organismes et les démarches post décès obligatoires.
En plus du testament, Postumo permet de compléter l’étendue de sa succession and d’organiser la gestion de ses informations utiles pour les formalités décès. Certain procedures and formalities must be carried out with various organizations, such as banks,the insurance or the pension funds,to regularize the deceased's situation.
Regulatory deadlines are also set to impose acceptance of the product. or renunciation of the estate : taxes, CPAM, insurance, work benefits, estate declaration... There are many private and public organizations that need to be informed when a loved one dies.
Who to notify in the event of death: the list of organizations is unique, depending on each person's life history.
Il est donc indispensable de réaliser un inventaire rapide des démarches administratives à effectuer après un décès et d’avoir une vue d’ensemble des formalités pour rechercher toutes les informations manquantes et être sûre de ne rien oublier.
Identify heirs and rights-holders
Ensure that all payables and receivables are taken into account
The post-death inventory and the search for missing information also ensure that all the deceased's debts and claims are taken into account. In fact, it is possible that the deceased may have contracted debts (note: check that the cause of death does not fall within the exclusions of credit life insurance) or that he is a creditor of certain people.
In this case, it is important to take these debts and receivables into account when determining the net value of the inheritance. and choose whether to accept or renounce the estate. This will also enable us to settle debts and recover receivables.
Facilitating administrative procedures
Last but not least, carrying out a post-death inventory and searching for missing information can facilitate the administrative procedures associated with the death. Indeed, certain authorities and organizations need to know the extent of the deceased's assets, the heirs and successors, as well as debts and claims, in order to be able to make decisions. It is possible to find this information on the deceased's bank statements (note that some organizations make annual deductions).
However, the dematerialization (or digitization) of account statements can complicate this search, and may incur fees. With this information at hand, it's easier to complete administrative procedures and settle death-related matters more quickly.
What information needs to be researched and inventoried?
Real estate and personal property
When a loved one dies, it's important to take stock of their situation (tenant, owner, etc.) and to list all the real estate and personal property they owned.
It could be a main residence, a rental property, land, a car, furniture, valuables, and so on. It's also important to note any mortgages or charges on the property. If you anticipate a dispute, don't hesitate to call in a court commissioner to draw up the inventory.
Bank accounts and financial investments
It is necessary to search for all bank accounts, savings books, shares, bonds and other financial investments held by the deceased.
It's important to collect account statements for the last 12 months to find out about current transactions and any debts or receivables.
Life insurance policies and retirement pensions
It is important to research all life insurance contracts, death insurance policies and retirement pensions of which the deceased was a beneficiary or member. It is important to note the insurance companies involved, the amounts covered and the terms of payment.
Payables and receivables
Listing all the deceased's debts and receivables will give you an idea of the estate. IOUs held by the deceased on third parties can also be stored in the deceased's belongings or in a safe-deposit box.
It may be a bank debt. Don't forget that a creditor can ask for bank accounts to be frozen.You need to pay off your debts, whether personal or professional. These may include bank debts, tax debts, rent, loans, invoices, and so on. It is also important to investigate any claims the deceased may have had on third parties.
Know exactly who to notify in the event of death
An intelligent questionnaire with 17 key themes to make sure you don't forget anything
Postumo can help you draw up a detailed post-death inventory, giving you a 360° view of the deceased's life course and the certainty of leaving nothing out. Designed and developed to cover all possible situations and life paths, the platform provides an overview with intelligent questions based on your answers.
Family, professional, asset and banking situation, insurance subscriptions, service providers and employees, social security entitlements...
Postumo is designed to leave no stone unturned, and to cover all fields.
- Have a clear and detailed vision of the various public and private organizations to contact after a death
- Get an overview of post-death procedures
- Know the deadlines for administrative formalities
- Don't forget any steps
- List missing information
- Benefit from individualized letter templates to notify the various organizations easily and on time
The Postumo guarantee
A clear, exhaustive list of all the organizations you need to notify & personalized, pre-filled letter templates to make the process easier and more straightforward.
Step-by-step support for all your post-death procedures
Once you've researched the missing information and taken stock of the steps you've taken, Postumo supports you to write all your death-related letters to organizations and make sure you don't miss any deadlines.
Why I trust Postumo
- Experienced, competent professionals at my service
- A rigorous and efficient methodology for inventory and research
- In-depth analysis and clear synthesis of the information gathered
- Personalized support and assistance with administrative formalities
- Guaranteed confidentiality and security for my personal information
- Transparent, competitive rates to suit everyone's financial situation
- Customer support available and responsive to my requests and questions
