In a reconstituted family, depending on which you want to transfer money or property to your in-laws, the tools to be preferred are not the same. Life insurance and SCI will be your allies.
In a reconstituted family, two formulas can be interesting to pass on well or children’s capital. Life insurance, which allows them to pay money at a lower tax cost. Provided the bare premiums are clearly not exaggerated if you have children. Et to the creation of a civil real estate company (SCI), followed by the donation of shares, to leave them a real estate.
Life insurance is a must
Life insurance is a good way to pass on some of your death money to your in-laws.
A capital out of succession
The main interest of life insurance: If you designate your in-laws as beneficiaries of your contract, the capital paid to them on your death will not be part of your estate. This means that it will not be taken into account either to assess the share of the estate due to each of your children, or to ensure that they have received their share of the reserve (except for clearly exaggerated premiums, see below). after)