{"id":290,"date":"2020-04-15T09:29:08","date_gmt":"2020-04-15T13:29:08","guid":{"rendered":"https:\/\/www.vigilis.ca\/zone-conseils\/?p=290"},"modified":"2021-01-28T14:40:55","modified_gmt":"2021-01-28T19:40:55","slug":"lassurance-comme-categorie-dactif","status":"publish","type":"post","link":"https:\/\/www.vigilis.ca\/zone-conseils\/lassurance-comme-categorie-dactif\/","title":{"rendered":"L\u2019assurance comme cat\u00e9gorie d\u2019actif"},"content":{"rendered":"

L\u2019assurance, telle qu\u2019on la connait g\u00e9n\u00e9ralement, pr\u00e9voit l\u2019impr\u00e9visible en pourvoyant l\u2019impact financier n\u00e9gatif d\u2019un d\u00e9c\u00e8s, que celui-ci soit pr\u00e9matur\u00e9 ou non. Les montants re\u00e7us serviront au remplacement de revenu, paiements des derniers frais et de l\u2019imp\u00f4t du d\u00e9funt, etc.<\/strong><\/p>\n

La croyance populaire veut que lorsque nos actifs prennent de l\u2019ampleur, l\u2019assurance vie devienne superflue, car les sommes d\u00e9j\u00e0 accumul\u00e9es pourront subvenir aux besoins des h\u00e9ritiers.<\/strong><\/p>\n

Toutefois, comment expliquer que les plus fortun\u00e9s soient parmi les plus assur\u00e9s\u2009?<\/strong><\/p>\n

La r\u00e9ponse est simple\u00a0: les individus \u00e0 valeur nette tr\u00e8s \u00e9lev\u00e9e ne per\u00e7oivent pas l\u2019assurance comme un parapluie ou une protection. Ils la consid\u00e8rent comme un bien, une diversification suppl\u00e9mentaire dans leur portefeuille garni. Ils utilisent l\u2019assurance vie comme une cat\u00e9gorie d\u2019actif.<\/p>\n

Pourquoi\u2009? Parce que l\u2019assurance vie b\u00e9n\u00e9ficie d\u2019un traitement fiscal pr\u00e9f\u00e9rentiel.<\/p>\n

Tout d\u2019abord, les prestations ne sont pas imposables. On pourrait comparer en pr\u00e9sumant que la prime payable correspond \u00e0 un placement fait de fa\u00e7on ponctuelle, qui procurera un gain non taxable \u2014 dans la mesure o\u00f9 la totalit\u00e9 est vers\u00e9e au d\u00e9c\u00e8s de l\u2019assur\u00e9. Le taux de rendement \u00e9quivalent pourra \u00eatre calcul\u00e9 en supposant diff\u00e9rents \u00e2ges au d\u00e9c\u00e8s.<\/p>\n

Certains produits offrent des abris fiscaux int\u00e9ressants. Par exemple, l\u2019assurance vie universelle permet d\u2019investir des sommes suppl\u00e9mentaires au sein du contrat. Ces montants accro\u00eetront et seront d\u00e9bours\u00e9s au d\u00e9c\u00e8s de l\u2019assur\u00e9 sans impact fiscal. L\u2019assurance vie enti\u00e8re, par ses participations, a le potentiel d\u2019augmenter le capital assur\u00e9 et d\u2019engendrer une valeur de rachat pour le titulaire de la police.<\/p>\n

De plus, lorsque souscrite au sein d\u2019une incorporation, le versement de la prestation d\u2019assurance vie portera un cr\u00e9dit au compte de dividende en capital (CDC). Un solde positif au CDC permet de payer aux actionnaires ou \u00e0 leur succession un dividende libre d\u2019imp\u00f4t.<\/p>\n

Plusieurs sc\u00e9narios sont possibles, selon l\u2019\u00e2ge, la situation financi\u00e8re, l\u2019organigramme et surtout, les volont\u00e9s des d\u00e9cideurs.<\/p>\n

Lors de l\u2019\u00e9valuation d\u2019une strat\u00e9gie d\u2019assurance comme cat\u00e9gorie d\u2019actif, nous calculons le taux de rendement interne, en le comparant avec un placement traditionnel. Les r\u00e9sultats sont souvent surprenants et tr\u00e8s \u00e9loquents. M\u00eame en ne connaissant pas la date du paiement final (le d\u00e9c\u00e8s), la majorit\u00e9 des strat\u00e9gies tiennent la route durant plusieurs ann\u00e9es suivant l\u2019esp\u00e9rance de vie pr\u00e9sum\u00e9e de l\u2019assur\u00e9.<\/p>\n

Un individu qui d\u00e9tient des revenus fixes liquides et qui poss\u00e8de des sommes dont il ne devrait pas avoir besoin de son vivant pourrait valider la pertinence de cette strat\u00e9gie. Elle pourrait grandement bonifier la valeur de son portefeuille, tout en offrant une diversification de ses actifs.<\/p>\n

C\u2019est pourquoi l\u2019assurance vie doit \u00eatre prise en consid\u00e9ration lors de tout type de planification.<\/p>\n

Vous \u00eates unique. Vos besoins aussi.<\/strong><\/h3>\n

Vision 360<\/strong><\/a> vous propose une analyse personnalis\u00e9e \u2013 une \u00e9tape cruciale afin d\u2019obtenir des recommandations parfaitement adapt\u00e9es \u00e0 votre situation. Jetez-y un coup d\u2019oeil \u00bb<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

La croyance populaire veut que lorsque nos actifs prennent de l\u2019ampleur, l\u2019assurance vie devienne superflue, car les sommes d\u00e9j\u00e0 accumul\u00e9es pourront subvenir aux besoins des h\u00e9ritiers. Toutefois, comment expliquer que les plus fortun\u00e9s soient parmi les plus assur\u00e9s\u2009?<\/p>\n","protected":false},"author":2,"featured_media":294,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"full-width-content","footnotes":""},"categories":[4,3],"tags":[],"class_list":{"0":"post-290","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cat-cpa","8":"category-cat-particuliers","9":"entry"},"acf":[],"yoast_head":"\nL\u2019assurance comme cat\u00e9gorie d\u2019actif - VIGILIS - Zone conseils<\/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.vigilis.ca\/zone-conseils\/lassurance-comme-categorie-dactif\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance comme cat\u00e9gorie d\u2019actif - VIGILIS - Zone conseils\" \/>\n<meta property=\"og:description\" content=\"La croyance populaire veut que lorsque nos actifs prennent de l\u2019ampleur, l\u2019assurance vie devienne superflue, car les sommes d\u00e9j\u00e0 accumul\u00e9es pourront subvenir aux besoins des h\u00e9ritiers. 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Toutefois, comment expliquer que les plus fortun\u00e9s soient parmi les plus assur\u00e9s\u2009?","_links":{"self":[{"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/posts\/290","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/comments?post=290"}],"version-history":[{"count":9,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/posts\/290\/revisions"}],"predecessor-version":[{"id":480,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/posts\/290\/revisions\/480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/media\/294"}],"wp:attachment":[{"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/media?parent=290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/categories?post=290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vigilis.ca\/zone-conseils\/wp-json\/wp\/v2\/tags?post=290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}