VGBL - Life Generating Free Benefits: the insecured insurance

Detalhes bibliográficos
Autor(a) principal: Ferreira, Jussara Borges
Data de Publicação: 2023
Outros Autores: Maffei, Eduardo
Tipo de documento: Artigo
Idioma: por
Título da fonte: Scientia Iuris (Online)
Texto Completo: https://ojs.uel.br/revistas/uel/index.php/iuris/article/view/46151
Resumo: The purpose of this work is to investigate the legal security of Life Generating Benefits Free - VGBL contracts, especially when used as a succession planning mechanism. Inserted in the legal system as a modality of insurance for survival, the VGBL consists of an investment contract for future fruition, to serve as a supplementary pension to the founder, which, by using the typical rules of life insurance contracts, allows the stipulater indicate the beneficiaries of the fund for after his death. This freedom in the indication of the beneficiaries collides with the rules of succession law, has the potential to modify the order of hereditary vocation and even to violate the legitimate one. Faced with this problem, through the deductive method, based on doctrinal and jurisprudential bibliographic research, we sought to analyze the existing conflict in order to reach a definition of the insured's legal certainty in complying with the stipulation of the beneficiaries of their contract.
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spelling VGBL - Life Generating Free Benefits: the insecured insuranceVGBL – Vida Geradora de Benefícios Livres: o seguro inseguroVGBL - Vida Geradora de Benefícios LivresSeguroPlanejamento sucessórioAutonomia privadaEstipulação em favor de terceirosVGBL - Life Generating Free Benefits. Security. Succession planning. Private autonomy. Stipulation in favor of third parties.The purpose of this work is to investigate the legal security of Life Generating Benefits Free - VGBL contracts, especially when used as a succession planning mechanism. Inserted in the legal system as a modality of insurance for survival, the VGBL consists of an investment contract for future fruition, to serve as a supplementary pension to the founder, which, by using the typical rules of life insurance contracts, allows the stipulater indicate the beneficiaries of the fund for after his death. This freedom in the indication of the beneficiaries collides with the rules of succession law, has the potential to modify the order of hereditary vocation and even to violate the legitimate one. Faced with this problem, through the deductive method, based on doctrinal and jurisprudential bibliographic research, we sought to analyze the existing conflict in order to reach a definition of the insured's legal certainty in complying with the stipulation of the beneficiaries of their contract.O presente trabalho tem por objeto investigar a segurança jurídica dos contratos de Vida Geradora de Benefícios Livres - VGBL, em especial quando utilizados como mecanismo de planejamento sucessório. Inserido no ordenamento jurídico como uma modalidade de seguro por sobrevivência, o VGBL consiste em um contrato de investimento para fruição futura, a servir como previdência complementar ao instituidor, que, por se valer de regras típicas dos contratos de seguro de vida, permite que o estipulante indique os beneficiários do fundo para depois de sua morte. Essa liberdade na indicação dos beneficiários colide com as regras de direito sucessório, tem o potencial de modificar a ordem de vocação hereditária e até mesmo de violar a legítima. Diante dessa problemática, pelo método dedutivo, pautando-se em pesquisa bibliográfica doutrinária e jurisprudencial, buscou-se analisar o conflito existente para se chegar a uma definição sobre a segurança jurídica do segurado no cumprimento da estipulação dos beneficiários de seu contrato.Universidade Estadual de Londrina2023-07-28info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtigo avaliado pelos Paresapplication/pdfhttps://ojs.uel.br/revistas/uel/index.php/iuris/article/view/4615110.5433/2178-8189.2023v27n2p30-53Scientia Iuris; v. 27 n. 2 (2023): Scientia Iuris; 30-532178-81891415-6490reponame:Scientia Iuris (Online)instname:Universidade Estadual de Londrina (UEL)instacron:UELporhttps://ojs.uel.br/revistas/uel/index.php/iuris/article/view/46151/49504Copyright (c) 2023 Scientia Iurishttps://creativecommons.org/licenses/by/4.0/deed.pt_BRinfo:eu-repo/semantics/openAccessFerreira, Jussara BorgesMaffei, Eduardo2023-09-21T18:47:58Zoai:ojs.pkp.sfu.ca:article/46151Revistahttps://www.uel.br/revistas/uel/index.php/iurisPUBhttps://www.uel.br/revistas/uel/index.php/iuris/oairevistamdireito@uel.br2178-81891415-6490opendoar:2023-09-21T18:47:58Scientia Iuris (Online) - Universidade Estadual de Londrina (UEL)false
dc.title.none.fl_str_mv VGBL - Life Generating Free Benefits: the insecured insurance
VGBL – Vida Geradora de Benefícios Livres: o seguro inseguro
title VGBL - Life Generating Free Benefits: the insecured insurance
spellingShingle VGBL - Life Generating Free Benefits: the insecured insurance
Ferreira, Jussara Borges
VGBL - Vida Geradora de Benefícios Livres
Seguro
Planejamento sucessório
Autonomia privada
Estipulação em favor de terceiros
VGBL - Life Generating Free Benefits. Security. Succession planning. Private autonomy. Stipulation in favor of third parties.
title_short VGBL - Life Generating Free Benefits: the insecured insurance
title_full VGBL - Life Generating Free Benefits: the insecured insurance
title_fullStr VGBL - Life Generating Free Benefits: the insecured insurance
title_full_unstemmed VGBL - Life Generating Free Benefits: the insecured insurance
title_sort VGBL - Life Generating Free Benefits: the insecured insurance
author Ferreira, Jussara Borges
author_facet Ferreira, Jussara Borges
Maffei, Eduardo
author_role author
author2 Maffei, Eduardo
author2_role author
dc.contributor.author.fl_str_mv Ferreira, Jussara Borges
Maffei, Eduardo
dc.subject.por.fl_str_mv VGBL - Vida Geradora de Benefícios Livres
Seguro
Planejamento sucessório
Autonomia privada
Estipulação em favor de terceiros
VGBL - Life Generating Free Benefits. Security. Succession planning. Private autonomy. Stipulation in favor of third parties.
topic VGBL - Vida Geradora de Benefícios Livres
Seguro
Planejamento sucessório
Autonomia privada
Estipulação em favor de terceiros
VGBL - Life Generating Free Benefits. Security. Succession planning. Private autonomy. Stipulation in favor of third parties.
description The purpose of this work is to investigate the legal security of Life Generating Benefits Free - VGBL contracts, especially when used as a succession planning mechanism. Inserted in the legal system as a modality of insurance for survival, the VGBL consists of an investment contract for future fruition, to serve as a supplementary pension to the founder, which, by using the typical rules of life insurance contracts, allows the stipulater indicate the beneficiaries of the fund for after his death. This freedom in the indication of the beneficiaries collides with the rules of succession law, has the potential to modify the order of hereditary vocation and even to violate the legitimate one. Faced with this problem, through the deductive method, based on doctrinal and jurisprudential bibliographic research, we sought to analyze the existing conflict in order to reach a definition of the insured's legal certainty in complying with the stipulation of the beneficiaries of their contract.
publishDate 2023
dc.date.none.fl_str_mv 2023-07-28
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Artigo avaliado pelos Pares
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://ojs.uel.br/revistas/uel/index.php/iuris/article/view/46151
10.5433/2178-8189.2023v27n2p30-53
url https://ojs.uel.br/revistas/uel/index.php/iuris/article/view/46151
identifier_str_mv 10.5433/2178-8189.2023v27n2p30-53
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://ojs.uel.br/revistas/uel/index.php/iuris/article/view/46151/49504
dc.rights.driver.fl_str_mv Copyright (c) 2023 Scientia Iuris
https://creativecommons.org/licenses/by/4.0/deed.pt_BR
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2023 Scientia Iuris
https://creativecommons.org/licenses/by/4.0/deed.pt_BR
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade Estadual de Londrina
publisher.none.fl_str_mv Universidade Estadual de Londrina
dc.source.none.fl_str_mv Scientia Iuris; v. 27 n. 2 (2023): Scientia Iuris; 30-53
2178-8189
1415-6490
reponame:Scientia Iuris (Online)
instname:Universidade Estadual de Londrina (UEL)
instacron:UEL
instname_str Universidade Estadual de Londrina (UEL)
instacron_str UEL
institution UEL
reponame_str Scientia Iuris (Online)
collection Scientia Iuris (Online)
repository.name.fl_str_mv Scientia Iuris (Online) - Universidade Estadual de Londrina (UEL)
repository.mail.fl_str_mv revistamdireito@uel.br
_version_ 1799306016392740864

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