{"id":334,"date":"2020-04-29T12:01:38","date_gmt":"2020-04-29T16:01:38","guid":{"rendered":"https:\/\/www.vigilis.ca\/zone-conseils\/?p=334"},"modified":"2021-01-28T14:38:50","modified_gmt":"2021-01-28T19:38:50","slug":"risques-caches-assurance-vie","status":"publish","type":"post","link":"https:\/\/www.vigilis.ca\/zone-conseils\/risques-caches-assurance-vie\/","title":{"rendered":"D\u00e9couvrez les risques li\u00e9s \u00e0 un mauvais choix de police d&rsquo;assurance vie"},"content":{"rendered":"<h2><strong>Risques li\u00e9s \u00e0 l&rsquo;assur\u00e9<\/strong><\/h2>\n<p style=\"font-style: inherit; font-weight: inherit;\">Vous savez sans doute qu\u2019au Qu\u00e9bec certaines situations permettent \u00e0 l\u2019assureur de r\u00e9duire ou d\u2019annuler une police d\u2019assurance vie individuelle. Parmi celles-ci :<\/p>\n<ul>\n<li style=\"font-style: inherit; font-weight: inherit;\">Le suicide de l\u2019assur\u00e9 dans les deux premi\u00e8res ann\u00e9es;<\/li>\n<li style=\"font-style: inherit; font-weight: inherit;\">Des d\u00e9clarations mensong\u00e8res telles que l\u2019utilisation du tabac; ou encore<\/li>\n<li style=\"font-style: inherit; font-weight: inherit;\">Des r\u00e9ponses incompl\u00e8tes aux questions m\u00e9dicales.<\/li>\n<\/ul>\n<p>Il existe sur le march\u00e9 plusieurs solutions d\u2019assurance vie con\u00e7ues pour r\u00e9pondre \u00e0 des besoins sp\u00e9cifiques. Par leur nature, chacune d\u2019elles propose des avantages mais comporte aussi certains risques pour l\u2019assur\u00e9 lorsque les besoins de celui-ci ont, \u00e0 priori, \u00e9t\u00e9 mal \u00e9tablis.<\/p>\n<p style=\"font-style: inherit; font-weight: inherit;\"><strong>\u00a0<\/strong><\/p>\n<h2 style=\"font-style: inherit; font-weight: inherit;\"><strong>Risques li\u00e9s \u00e0 chaque type de police d&rsquo;assurance vie<\/strong><\/h2>\n<h3>Temporaire 10 ans, 15 ans, 20 ans, etc. \u2013 Police \u00e0 dur\u00e9e limit\u00e9e<\/h3>\n<p>Bien qu\u2019il soit possible de renouveler cette police jusqu\u2019\u00e0 80 ou 85 ans, <strong>la prime de renouvellement pourrait \u00eatre de 5 \u00e0 40 fois plus \u00e9lev\u00e9e que celle d\u2019origine<\/strong>, ce qui la rendra rapidement inabordable. En cas de besoin d\u2019assurance apr\u00e8s la p\u00e9riode initiale, il est possible de la convertir vers une protection permanente mais le choix est souvent limit\u00e9. Il est donc important de bien \u00e9valuer l\u2019\u00e9volution de vos besoins dans le temps avant de souscrire ce type de police.<\/p>\n<h3>Temporaire \u00e0 65 ans, 70\u00a0ans, 75 ans \u2013 Police \u00e0 dur\u00e9e limit\u00e9e<\/h3>\n<p>Cette police <strong>se terminera probablement avant votre d\u00e9c\u00e8s<\/strong>. Si votre besoin d\u2019assurance s\u2019\u00e9tend au-del\u00e0 de la p\u00e9riode vis\u00e9e, il sera possible de la convertir vers une protection permanente mais le choix est, lui aussi, souvent limit\u00e9. Encore ici, il importe d\u2019\u00e9valuer d\u00e8s le d\u00e9part l\u2019\u00e9volution de vos besoins dans le temps.<\/p>\n<h3>Temporaire \u00e0 100 ans \u2013 Police viag\u00e8re<\/h3>\n<p>Cette police a l\u2019avantage de vous prot\u00e9ger la vie durant. La prime est plus on\u00e9reuse mais demeure fixe et aucune prime n\u2019est exig\u00e9e \u00e0 compter de 100 ans. Cependant, si vous deviez mettre fin \u00e0 la police, il n\u2019y aurait <strong>aucune valeur de rachat cumul\u00e9e et les primes pay\u00e9es seraient perdues<\/strong>. De plus, le capital assur\u00e9 \u00e9tant fixe, <strong>sa valeur relative sera grandement r\u00e9duite<\/strong> sur la p\u00e9riode vis\u00e9e<\/p>\n<h3>Vie enti\u00e8re \u2013 Police viag\u00e8re<\/h3>\n<p>Aucune prime n&rsquo;est exig\u00e9e \u00e0 compter de 100 ans. Plusieurs de ces polices comportent des primes et un capital qui ne sont pas garantis. Il faut donc s\u2019assurer de bien en \u00e9valuer la port\u00e9e.<\/p>\n<p>Lorsque la police est de nature participante, les valeurs non-garanties sont d\u00e9pendantes des dividendes vers\u00e9s par l\u2019assureur dans 10, 20, 40 ans! Bien que la police comporte une valeur de rachat, celle-ci n\u2019est pas ajout\u00e9e au capital assur\u00e9 lors du d\u00e9c\u00e8s.\u00a0De plus, le capital assur\u00e9 \u00e9tant fixe, <strong>sa\u00a0valeur relative sera grandement r\u00e9duite<\/strong>\u00a0sur la p\u00e9riode vis\u00e9e.<\/p>\n<h3>Vie universelle\u2013 Police viag\u00e8re<\/h3>\n<p>Les co\u00fbts d\u2019assurance de ce type de police sont \u00e9tablis en fonction, soit d\u2019une Temporaire 1 an, augmentant \u00e0 chaque ann\u00e9e ou d\u2019une Temporaire \u00e0 100 ans, fixe et garantie. Aucune prime n\u2019est exig\u00e9e \u00e0 compter de 100 ans. Lorsque les co\u00fbts d\u2019assurance (mortalit\u00e9) sont \u00e9tablis selon une Temporaire 1 an renouvelable, vous pourriez \u00eatre incapable de verser les primes dans le futur. <strong>Assurez-vous que les primes soient \u00e9tablies en fonction d\u2019une Temporaire \u00e0 100 ans.<\/strong> Cette police comporte certains risques li\u00e9s aux placements \u2013 m\u00eame en respectant les primes minimales exig\u00e9es, <strong>votre police peut tomber en d\u00e9ch\u00e9ance lors d\u2019une correction boursi\u00e8re<\/strong>.<\/p>\n<p>De plus,<strong> les frais de gestion exig\u00e9s par les assureurs sont g\u00e9n\u00e9ralement \u00e9lev\u00e9s<\/strong> (jusqu\u2019\u00e0 3 % et plus), <strong>ce qui r\u00e9duit le rendement<\/strong>. Attention aux projections optimistes! Un sc\u00e9nario avec un rendement annuel \u00e0 3 % ou moins vous permettra de bien \u00e9valuer le risque.<\/p>\n<h3>Assurance vie hypoth\u00e9caire via une\u00a0institution financi\u00e8re \u2013 Police \u00e0 dur\u00e9e limit\u00e9e<\/h3>\n<p style=\"text-align: left;\">Les primes de ce type de police sont g\u00e9n\u00e9ralement fixes pour le terme choisi alors que le capital assur\u00e9, li\u00e9 \u00e0 la valeur de l\u2019hypoth\u00e8que, est d\u00e9croissant. En cas de d\u00e9c\u00e8s, un montant \u00e9gal \u00e0 la valeur de l\u2019hypoth\u00e8que est vers\u00e9 \u00e0 l\u2019institution financi\u00e8re. <strong>Peu flexible, la police ne peut \u00eatre conserv\u00e9e pour d\u2019autres besoins<\/strong>. De plus, votre assurabilit\u00e9 pourrait \u00eatre remise en question au renouvellement de l\u2019hypoth\u00e8que.<\/p>\n<p style=\"text-align: left;\"><u><a style=\"font-style: inherit; font-weight: inherit;\" href=\"https:\/\/www.vigilis.ca\/zone-conseils\/ce-quil-faut-savoir-sur-lassurance-hypothecaire\/\">En savoir plus sur l\u2019assurance vie hypoth\u00e9caire<\/a><\/u><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Le risque z\u00e9ro<\/strong><\/h2>\n<p style=\"font-style: inherit; font-weight: inherit;\">La vie comporte nombre d\u2019impr\u00e9vus, ce qui rend impossible l\u2019\u00e9limination de tous les risques. Une <a href=\"https:\/\/pages.vigilis.ca\/analyse-vision-360-assurance-personnelle?utm_source=Zone-conseil\">analyse de vos besoins financiers (ABF)<\/a> effectu\u00e9e par un conseiller certifi\u00e9 vous permettra toutefois de choisir la bonne police (<em>ou combinaison de polices<\/em>) afin de r\u00e9duire ces risques au maximum.<\/p>\n<p style=\"font-style: inherit; font-weight: inherit;\">Par mesure de prudence, nous vous recommandons fortement d\u2019exiger un rapport \u00e9crit et surtout, de ne jamais accepter une recommandation si vous ne comprenez pas certains \u00e9l\u00e9ments ou avez des doutes. Il s\u2019agit d\u2019une transaction financi\u00e8re importante et la s\u00e9curit\u00e9 de vos proches en d\u00e9pend. Soyez exigeant!<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\"><strong>Vous \u00eates unique. Vos besoins aussi.<\/strong><\/h3>\n<p><a href=\"https:\/\/www.vigilis.ca\/vision-360-degres.php\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>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. <a href=\"https:\/\/www.vigilis.ca\/vision-360-degres.php\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Jetez-y un coup d\u2019oeil \u00bb<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Par leur nature, chaque type de police d&rsquo;assurance vie propose des avantages mais comporte aussi certains risques pour l\u2019assur\u00e9 lorsque les besoins de celui-ci ont, \u00e0 priori, \u00e9t\u00e9 mal \u00e9tablis.<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":2,"featured_media":338,"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":[5,3],"tags":[12,10,9,11],"class_list":{"0":"post-334","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cat-entreprises","8":"category-cat-particuliers","9":"tag-assurance-hypothecaire","10":"tag-assurance-temporaire","11":"tag-assurance-vie","12":"tag-police-viagere","13":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - 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