Each month, our team curates a selection of key highlights from the banking and insurance world.
In this 38th edition: a concise roundup of regulatory updates, ecosystem trends, and technological breakthroughs shaping the industry.
A focused briefing designed to get straight to the point, read it, share it, and don’t miss out!
Regulatory | 2026: the duty of advice extended throughout the entire contract term
ACPR Recommendation 2024-R-02 entered into force on December 31, 2025, fundamentally transforming the obligations of insurance distributors. The duty of advice is no longer limited to subscription: it now applies throughout the life of the contract, with mandatory regular reviews and particular attention paid to the beneficiary clause.
Key takeaways:
Regular monitoring becomes mandatory. Distributors must periodically verify that the contract still meets the client’s needs, with a first mandatory contact by October 23, 2026 (personalized recommendation) or October 23, 2028 at the latest.
Beneficiary clauses under close scrutiny. The ACPR requires special attention to be paid to drafting beneficiary clauses so that they reflect the policyholder’s situation and objectives, with proper documentation.
Significant transactions strictly supervised. Any payment, surrender, or arbitration ≥ €2,500 and 20% of outstanding amounts (contracts < €100,000) or ≥ €30,000 and 25% (contracts ≥ €100,000) requires a renewed suitability assessment.
Source : Club Patrimoine
Ecosystem | Digital estate planning: why inventorying your digital assets becomes urgent in 2026
Starting January 1, 2026, platforms will be required to automatically transmit certain tax data. Cryptocurrencies, NFTs, online accounts: digital wealth is becoming a major estate planning issue that few families anticipate. Notaries are raising the alarm about this often-overlooked intangible heritage.
Key takeaways:
New tax obligation from 2026. Platforms must automatically transmit tax data on digital assets, requiring heirs to have the same information as the tax authorities to avoid reassessments.
Assets often unknown to heirs. Cryptocurrencies, NFTs, cloud accounts, paid subscriptions, digital income (YouTube, Vinted): without an inventory and clear instructions, these assets may disappear or become inaccessible.
Anticipation is essential. Drawing up a comprehensive inventory, preparing advance directives on data management, and communicating with loved ones are key to securing this 2.0 inheritance.
Source : L’Argus de l’Assurance
To go further: our estate planning solution Planner, redesigned at the end of 2025 and available for integration into life insurance contracts, includes the “My Inventory” application, which can be associated with registration by a notary. Feel free to reach out if you have any questions.
Technology | Insurtechs face the risk of obsolescence if AI remains merely an efficiency lever
According to industry experts, Insurtechs that still view AI as a simple tool to optimize existing processes risk rapid obsolescence. AI must become the core of the business model to remain competitive in a rapidly transforming market.
Key takeaways:
AI must transform the business model, not just automate. Considering AI solely as an operational efficiency lever is no longer enough to differentiate.
Rethinking the value proposition. Insurtechs must reinvent their offerings around AI to avoid being overtaken by native players.
Two categories are emerging. On one side, those automating existing models; on the other, those creating new AI-native insurance models such as Corgi.
Source : La tribune de l’assurance
Regulation, ecosystem, tech: the key takeaways each month
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