Impignorabilità e insequestrabilità delle polizze vita: tra mito e realtà
Le polizze vita hanno molti difetti ma, a volte, preservano qualche beneficio.
Tra i benefici vi è l’insequestrabilità e l’impignorabilità che dovrebbe garantire gli importi versati.
Tale peculiarità, però, va considerata in contesti differenti che possono far decadere il beneficio.
L’ART. 1923 C.C
Secondo l’art.1923 cc “le somme dovute dall’assicurazione al contraente o al beneficiario non possono essere sottoposte ad azione esecutiva cautelare”.
La norma ha lo scopo di proteggere i diritti che la polizza assicurativa garantisce al contraente o al beneficiario dalle pretese di eventuali creditori e degli eredi di questi.
COSA DICE LA GIURISPRUDENZA
Sempre più spesso è affrontata dalla giurisprudenza la questione della pignorabilità ed insequestrabilità delle polizze vita.
La questione sorge in considerazione all’applicabilità dell’articolo 1923 c.c., secondo cui non possono essere soggette ad azione esecutiva o cautelare le somme che l’assicuratore deve, in conseguenza di un contratto di assicurazione sulla vita, all’assicurato o al beneficiario.
Fornendo un’interpretazione letterale della norma sembra potersi sostenere la tesi dell’impignorabilità assoluta della polizze vita ed, infatti, così è stato sino all’introduzione nel mondo assicurativo degli strumenti finanziari.
INTERVIENE LA CASSAZIONE
Secondo una recente sentenza della Corte di Cassazione le polizze vita possono essere definite tali solo se esiste l’assoluta garanzia della restituzione del capitale investito, in caso contrario sono assoggettabili ad un qualsiasi contratto di investimento finanziario.
La distinzione, contenuta nella sentenza 10333/2018, conferma una decisione della Corte di Appello di Milano, ed interviene nell’universo assicurativo portando con sé una novità ben precisa.
Una presa di posizione netta che coinvolge anche il carattere di impignorabilità e di non sequestrabilità di alcune tipologie di polizze vita.
La Corte di Cassazione entra nel merito e stabilisce che, se manca la sicurezza della conservazione del capitale alla scadenza, il prodotto assicurativo non può che essere considerato alla stregua di un tipico investimento finanziario e non ha nulla a che fare con una polizza assicurativa sulla vita.
CONCLUSIONI
Quindi, Secondo la Corte di Cassazione (10333/2018) le polizze unit e index linked rappresentano investimenti finanziari a tutti gli effetti e non inquadrabili come polizze assicurative se a scadenza non garantiscono la restituzione del capitale interamente investito.
Inoltre, L’ art. 1923 cc ha ancora un’ulteriore limitazione in quanto non impedisce il sequestro preventivo operato dalla magistratura.
Le assicurazioni sulla vita possono essere oggetto di confisca diretta qualora presentino un tentativo di occultare delle somme derivanti da reato. La finalità perseguita, dunque, dalla confisca prevale su quella alla base dell’art.1923 cc.
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