{"id":3695,"date":"2013-07-16T18:18:00","date_gmt":"2013-07-16T16:18:00","guid":{"rendered":"http:\/\/localhost:8080\/kan-man-minska-sina-barns-ratt-till-arv-genom-kapitalforsakring\/"},"modified":"2023-04-05T15:32:17","modified_gmt":"2023-04-05T13:32:17","slug":"kan-man-minska-sina-barns-ratt-till-arv-genom-kapitalforsakring","status":"publish","type":"post","link":"https:\/\/www.insulander-advokat.se\/blogg\/kan-man-minska-sina-barns-ratt-till-arv-genom-kapitalforsakring\/","title":{"rendered":"Kan man minska sina barns r\u00e4tt till arv genom kapitalf\u00f6rs\u00e4kring?"},"content":{"rendered":"<p>T\u00e4nk om det vore s\u00e5 att alla familjer hela tiden lever i harmoni och inga konflikter uppst\u00e5r. Att n\u00e4r ens f\u00f6r\u00e4ldrar g\u00e5tt bort f\u00f6rdelas arvet i s\u00e4mja mellan barnen och att allt sker r\u00e4ttvist och utan br\u00e5k. I en s\u00e5dan v\u00e4rld skulle knappt vi jurister beh\u00f6vas och f\u00f6r den delen inte heller en hel del andra yrkesgrupper.<\/p>\n<p>Nu \u00e4r ju verkligheten inte s\u00e5dan utan konflikter tillh\u00f6r en del av v\u00e5r vardag. En situation som \u00e4r vanlig \u00e4r att en omgift make som \u00e4rvt sin avlidna maka med fri f\u00f6rfogander\u00e4tt vill skydda sin nya maka ekonomiskt p\u00e5 bekostnad av sina barns arvsr\u00e4tt.<\/p>\n<p>I vissa fall verkar en omgift make vilja premiera den nya makan mer \u00e4n sina barn varf\u00f6r det varit vanligt att teckna en kapitalf\u00f6rs\u00e4kring med den nya makan som f\u00f6rm\u00e5nstagare. Enligt de regler som g\u00e4ller ska i normalfallet inte en f\u00f6rs\u00e4kring med f\u00f6rm\u00e5nstagarf\u00f6rordnande ing\u00e5 i kvarl\u00e5tenskapen varf\u00f6r man p\u00e5 detta s\u00e4tt kunnat minska barnens arv v\u00e4sentligt.<\/p>\n<p>Sj\u00e4lvklart har detta f\u00f6rfarande lett till konflikter mellan arvingarna. I en nyligen f\u00f6rkunnad dom meddelad av H\u00f6gsta Domstolen den 10 juli 2013 har ovan beskriven situation pr\u00f6vats.<\/p>\n<p>Situationen var s\u00e5dan att Bengt och Annalisa var gifta och hade tv\u00e5 gemensamma barn. Annalisa gick bort och Bengt \u00e4rvde henne med fri f\u00f6rfogander\u00e4tt f\u00f6re de gemensamma barnen, allt enligt g\u00e4llande lag. N\u00e5gra \u00e5r senare gifte Bengt om sig. N\u00e4r han sedermera avled visade det sig att han tecknat en kapitalf\u00f6rs\u00e4kring med nya makan som f\u00f6rm\u00e5nstagare. Barnen ans\u00e5g att fadern genom kapitalf\u00f6rs\u00e4kringen v\u00e4sentligt minskat sin egendom varf\u00f6r den borde ing\u00e5 i kvarl\u00e5tenskapen vid ber\u00e4kning av barnens mors- respektive farsarv. I m\u00e5let var det ostridigt att f\u00f6rs\u00e4kringen orsakade en minskning av egendomen med 18 %.<\/p>\n<p>H\u00f6gsta domstolen gick, till skillnad fr\u00e5n tings- och hovr\u00e4tten, p\u00e5 nya makans linje och ans\u00e5g inte att en minskning med 18 % av kvarl\u00e5tenskapen var en s\u00e5 v\u00e4sentlig minskning att den skulle ing\u00e5 i kvarl\u00e5tenskapen. D\u00e4remot fastsl\u00e5r H\u00f6gsta Domstolen att en v\u00e4sentlig minskning normalt f\u00e5r anses ligga p\u00e5 den niv\u00e5 att egendomen har minskat med i vart fall en fj\u00e4rdedel.<\/p>\n<p>Av detta avg\u00f6rande kan man s\u00e5ledes dras slutsatsen att kapitalf\u00f6rs\u00e4kring fortfarande kan vara ett s\u00e4tt att gynna en ny maka\/make f\u00f6re br\u00f6starvingarna men att m\u00f6jligheten \u00e4r begr\u00e4nsad.<\/p>\n<p>M\u00e4rk dock att det \u00e4r ovan beskrivna situation som H\u00f6gsta Domstolen tagit st\u00e4llning till. Det finns snarlika situationer d\u00e4r de skulle kunna komma till en annan bed\u00f6mning varf\u00f6r man b\u00f6r t\u00e4nka efter fler \u00e4n en g\u00e5ng innan en kapitalf\u00f6rs\u00e4kring i detta syfte tecknas.<\/p>\n<p>Joakim Lyckman<br \/>\n<span style=\"color: #999999;\">Advokat<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00e4nk om det vore s\u00e5 att alla familjer hela tiden lever i harmoni och inga konflikter uppst\u00e5r. Att n\u00e4r ens f\u00f6r\u00e4ldrar g\u00e5tt bort f\u00f6rdelas arvet i s\u00e4mja mellan barnen och att allt sker r\u00e4ttvist och utan br\u00e5k. I en s\u00e5dan v\u00e4rld skulle knappt vi jurister beh\u00f6vas och f\u00f6r den delen inte heller en hel del andra yrkesgrupper.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-3695","post","type-post","status-publish","format-standard","hentry","category-blogg"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kan man minska sina barns r\u00e4tt till arv genom kapitalf\u00f6rs\u00e4kring? - Insulander Lindh Advokatbyr\u00e5<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insulander-advokat.se\/blogg\/kan-man-minska-sina-barns-ratt-till-arv-genom-kapitalforsakring\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kan man minska sina barns r\u00e4tt till arv genom kapitalf\u00f6rs\u00e4kring? - Insulander Lindh Advokatbyr\u00e5\" \/>\n<meta property=\"og:description\" content=\"T\u00e4nk om det vore s\u00e5 att alla familjer hela tiden lever i harmoni och inga konflikter uppst\u00e5r. 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