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Amante não pode ser beneficiária de seguro de vida instituído por homem casado

Para a Quarta Turma do Superior Tribunal de Justiça (STJ), o seguro de vida não pode ser instituído por pessoa casada – que não é separada judicialmente, nem de fato – em benefício de parceiro em relação concubinária, por força de expressa vedação legal presente nos artigos 550 e 793 do Código Civil de 2002.

Com esse entendimento, por maioria, o colegiado deu parcial provimento a recurso especial para reformar decisão do Tribunal de Justiça do Rio de Janeiro (TJRJ) que determinou o pagamento do valor do seguro de vida à beneficiária indicada pelo segurado falecido.

Segundo o processo, o segurado, sem ter dissolvido seu matrimônio, convivia com a concubina desde os anos 1970, de forma pública e contínua, ao mesmo tempo em que mantinha o relacionamento com a esposa. Ciente de que a companheira ficaria fora de sua herança, ele instituiu seguro de vida em que a apontou como beneficiária (75%), ao lado do filho que teve com ela (25%) – o qual foi indicado como segundo beneficiário, para receber o total da indenização caso a mãe não pudesse receber sua parte.

No recurso especial apresentado ao STJ, a viúva alegou que seria ilegal a designação da concubina como beneficiária do seguro, razão pela qual pediu a reforma do acórdão do TJRJ, para que o saldo de 75% dos valores depositados pelo falecido fosse destinado a ela, e não à outra.

Ordenamento jurídico consagra monogamia e fidelidade

A relatora do caso, ministra Isabel Gallotti, explicou que a jurisprudência fixada pelo STJ com base no Código Civil de 1916, e depois positivada no artigo 793 do CC/2002, veda que a concubina seja beneficiária de seguro de vida instituído por homem casado e não separado de fato.

A magistrada destacou ainda o recente entendimento do Supremo Tribunal Federal (STF) no RE 1.045.273 sobre a impossibilidade de reconhecimento de novo vínculo conjugal quando preexistente casamento ou união estável de um dos conviventes, ressalvada a exceção do artigo 1.723, parágrafo 1º, do Código Civil, inclusive para fins previdenciários.

De acordo com Gallotti, a orientação do STF considera que os ideais monogâmicos subsistem na ordem constitucional para o reconhecimento do casamento e da união estável, o que inclui a previsão da fidelidade recíproca como dever dos cônjuges (artigo 1.566, I, do Código Civil).

Pagamento do capital segurado ao segundo beneficiário

De acordo com a ministra, como a designação da concubina na apólice foi inválida, a indenização deve ser paga respeitando a indicação alternativa feita pelo falecido para a hipótese de a primeira beneficiária não poder recebê-la – ou seja, ao filho que ambos tiveram.

“Somente na falta também do segundo beneficiário incidiria a regra do artigo 792 do Código Civil, segundo o qual, ‘na falta de indicação da pessoa ou beneficiário, ou se por qualquer motivo não prevalecer a que foi feita, o capital segurado será pago por metade ao cônjuge não separado judicialmente, e o restante aos herdeiros do segurado, obedecida a ordem de vocação hereditária'”, completou a relatora.

Com o parcial provimento do recurso, o colegiado afastou o direito da primeira beneficiária (a concubina) e determinou o pagamento do capital segurado ao segundo beneficiário (o filho), conforme a indicação do segurado.

Esta notícia refere-se ao(s) processo(s):

REsp 1391954

Fonte: STJ

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