- j - Legal Design Abstract Legal world found itself in a situation when it is forced by rising demand and new tech- nologies to seek new ways to practice law. It is not sufficient anymore to simply provide bare legal services without acknowledging context and users' actual needs. Some degree of automatization and cost cutting of basic legal work has found its way into the legal practice. In accordance with trends about transparency and publicity of state administration, raises also demand to make law more affordable. Legal world was able to resist changes for a long time due to the lawyers' lack of motivation to do so and clients' ignorance of possibilities base on their lack of legal understanding. However, the situation is starting to change as can be seen on rising numbers of legal innovation start-ups. There are many possible solutions to these new challenges, and one of them is Legal De- sign. This discipline tries to implement design methodology into legal services with the goal of creating valuable innovations. Fundamental is human or user-centered approach in order to provide solutions that better suites them. For example, it aims to develop contract from ex post problem solving tool, into relationship building tool. Also for judicial system to not only decide disputes, but also strengthen sense of...

L’assurance-vie est le placement préféré des français. A cette activité de masse se pose un problème fondamental, celui de la comptabilité des règles juridiques, techniques et fiscaux applicables au contrat d’assurance-vie avec les besoins de protection des consommateurs d’assurance. Par contre au Maroc, nombreux sont les marocains qui ne peuvent pas s’offrir ce contrat, pour diverses raisons: économiques, sociales ou religieuses. Cette étude ambitionne de transcender le simple champ du droit, et tenir compte des aspects sociaux, techniques, économiques et fiscaux liés au contrat d’assurance-vie en France et au Maroc. L’objectif visé étant d’observer les lacunes et partant réfléchir sur les pistes d’amélioration à introduire au droit marocain. / Life insurance is the preferred placement of French. At that mass activity is a fundamental problem, the accounting of legal rules, technical and tax applicable to life insurance contracts with the insurance needs of consumer protection. By cons in Morocco, many Moroccans who can not afford this contract, for various reasons: economic, social or religious. This study aims to transcend the mere field of law, and take into account social, technical, economic and tax-related life insurance contract in France and Morocco. The objective is to observe the gaps and hence reflect on ways of improving the introduction to Moroccan law.