{"id":826,"date":"2024-01-25T10:50:14","date_gmt":"2024-01-25T15:50:14","guid":{"rendered":"https:\/\/www.vigilis.ca\/zone-conseils\/?p=826"},"modified":"2025-02-12T15:55:56","modified_gmt":"2025-02-12T20:55:56","slug":"assurance-vie-comprendre-les-avantages-fiscaux","status":"publish","type":"post","link":"https:\/\/www.vigilis.ca\/zone-conseils\/assurance-vie-comprendre-les-avantages-fiscaux\/","title":{"rendered":"Assurance vie et fiscalit\u00e9 : bien comprendre les avantages"},"content":{"rendered":"<p><strong>Gr\u00e2ce \u00e0 son cadre fiscal privil\u00e9gi\u00e9, l&rsquo;assurance vie s&rsquo;av\u00e8re un outil tr\u00e8s int\u00e9ressant dans une strat\u00e9gie d&rsquo;optimisation fiscale et de gestion de patrimoine. Afin de bien naviguer \u00e0 travers les avantages de celle-ci, voici un r\u00e9sum\u00e9 de quelques-unes de ses implications.\u00a0<\/strong><\/p>\n<h3><b><span data-contrast=\"none\">Prestations de d\u00e9c\u00e8s<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">La <\/span><b><span data-contrast=\"auto\">prestation vers\u00e9e en cas de d\u00e9c\u00e8s <\/span><\/b>n\u2019est g\u00e9n\u00e9ralement <b><span data-contrast=\"auto\">pas assujettie \u00e0 l\u2019imp\u00f4t<\/span><\/b><span data-contrast=\"auto\"> pour le b\u00e9n\u00e9ficiaire, <\/span><strong>sauf dans de rares cas d\u2019exception lorsqu\u2019un contrat devient non exon\u00e9r\u00e9<\/strong><span data-contrast=\"auto\">.<\/span><\/p>\n<p><span data-contrast=\"auto\">Rassurez-vous! De nos jours, au Canada, tous les contrats sont r\u00e9put\u00e9s exon\u00e9r\u00e9s lors de leur \u00e9mission. Par la suite, des m\u00e9canismes sont pr\u00e9vus par les assureurs afin de veiller \u00e0 ce qu\u2019ils le restent, ann\u00e9e apr\u00e8s ann\u00e9e.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-861 size-medium\" src=\"https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-exo2-300x190.png\" alt=\"\" width=\"300\" height=\"190\" srcset=\"https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-exo2-300x190.png 300w, https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-exo2-265x168.png 265w, https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-exo2.png 375w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3><b><span data-contrast=\"none\">Primes<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">La <\/span><b><span data-contrast=\"auto\">prime d\u2019un contrat d\u2019assurance<\/span><\/b> <b><span data-contrast=\"auto\">vie<\/span><\/b><span data-contrast=\"auto\"> n\u2019est g\u00e9n\u00e9ralement <\/span><b><span data-contrast=\"auto\">pas d\u00e9ductible<\/span><\/b><span data-contrast=\"auto\"> du revenu imposable, <\/span><strong>\u00e0 l\u2019exception de ces deux situations<\/strong><span data-contrast=\"auto\"><strong> sp\u00e9cifiques :<\/strong><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ol>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Lorsqu\u2019un <\/span><strong>organisme de bienfaisance enregistr\u00e9 est titulaire et b\u00e9n\u00e9ficiaire d\u2019un contrat d\u2019assurance<\/strong><span data-contrast=\"auto\"> et que l\u2019individu\/donateur paie les primes dudit contrat.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Le montant pay\u00e9 pourra donner droit \u00e0 un re\u00e7u officiel pour don de bienfaisance.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Lorsqu\u2019une <\/span><strong>mise en garantie d\u2019un contrat d\u2019assurance est requise<\/strong><span data-contrast=\"auto\"> \u00e0 l\u2019obtention d\u2019un pr\u00eat aupr\u00e8s d\u2019une institution financi\u00e8re reconnue et dont les <\/span><span data-contrast=\"auto\">int\u00e9r\u00eats auraient normalement \u00e9t\u00e9 admis<\/span><span data-contrast=\"auto\"> \u00e0 titre de d\u00e9duction.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Attention! L\u2019obtention du pr\u00eat doit absolument \u00eatre <\/span><strong>conditionnelle<\/strong><span data-contrast=\"auto\"> \u00e0 la mise en gage!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559737&quot;:-291,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3><b><span data-contrast=\"none\">Valeur de rachat<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">Les valeurs de rachat <\/span><b><span data-contrast=\"auto\">permettent au titulaire de retirer des sommes<\/span><\/b><span data-contrast=\"auto\"> d\u2019un contrat d\u2019assurance vie (du vivant de l\u2019assur\u00e9).\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Un retrait ou une avance sur contrat est une disposition aux fins de l\u2019imp\u00f4t.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Le montant imposable constitue un gain sur contrat et s\u2019ajoute au revenu imposable du titulaire du contrat.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Afin de calculer l\u2019impact fiscal au moment du rachat, il importe de <\/span><b><span data-contrast=\"auto\">conna\u00eetre le co\u00fbt de base rajust\u00e9<\/span><\/b><span data-contrast=\"auto\"> (CBR). Le CBR repr\u00e9sente le co\u00fbt d\u2019un contrat d\u2019assurance \u00e0 une date donn\u00e9e. Sa valeur fluctue au fil du temps selon plusieurs facteurs, comme les primes per\u00e7ues ou le co\u00fbt net d\u2019assurance pure.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Rachat total<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"2\"><span data-contrast=\"auto\">L\u2019exc\u00e9dent de la valeur de rachat du contrat sur le CBR s\u2019ajoute au revenu du contrat<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Rachat partiel<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"2\"><span data-contrast=\"auto\">Un calcul sera effectu\u00e9 au prorata du retrait et du CBR<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Avance sur contrat<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"2\"><span data-contrast=\"auto\">Contrairement au retrait, le montant d\u2019une avance est compar\u00e9 au CBR.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"2\"><span data-contrast=\"auto\">Il n\u2019y aura aucun gain imposable si le montant emprunt\u00e9 est inf\u00e9rieur ou \u00e9gal au CBR.\u00a0<\/span><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"2\"><span data-contrast=\"auto\">Le CBR du contrat sera r\u00e9duit du montant de l\u2019avance.<\/span><\/li>\n<\/ul>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-845 size-large\" src=\"https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-cbr-1-1140x248.png\" alt=\"\" width=\"1140\" height=\"248\" srcset=\"https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-cbr-1-1140x248.png 1140w, https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-cbr-1-300x65.png 300w, https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-cbr-1-768x167.png 768w, https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-cbr-1-320x69.png 320w, https:\/\/www.vigilis.ca\/zone-conseils\/wp-content\/uploads\/2024\/01\/banniere-cbr-1.png 1400w\" sizes=\"auto, (max-width: 1140px) 100vw, 1140px\" \/><\/h3>\n<h3><\/h3>\n<h3><span data-contrast=\"auto\">Une compr\u00e9hension approfondie de ces nuances fiscales vous permettra une gestion \u00e9clair\u00e9e afin de bien profiter de tous les avantages de l&rsquo;assurance vie.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><strong>Le <a href=\"https:\/\/pages.vigilis.ca\/centre-dexpertise\">Centre d\u2019expertise VIGILIS<\/a> vous propose des conseils et de l&rsquo;accompagnement sur diff\u00e9rents enjeux relatifs \u00e0 la s\u00e9curit\u00e9 financi\u00e8re, dont l\u2019assurance vie, sa fiscalit\u00e9 et les strat\u00e9gies s\u2019y pr\u00eatant. \u00a0<\/strong><\/p>\n<h3><strong>Envie d\u2019en savoir plus? <a href=\"http:\/\/pages.vigilis.ca\/T\/DPR\/8842\/36\/37\/31a40688-881a-4ba2-9d00-74060bd23337\/xsJrsfvsrstW.ofsys?url=https%3a%2f%2fcalendly.com%2fvigilis-cpa%2fcentre-expertise\">Contactez un de nos sp\u00e9cialistes<\/a>.\u00a0<\/strong><\/h3>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>L&rsquo;assurance vie b\u00e9n\u00e9ficie d&rsquo;un cadre fiscal privil\u00e9gi\u00e9 et peut s&rsquo;av\u00e9rer un outil tr\u00e8s int\u00e9ressant en mati\u00e8re de gestion de patrimoine. D\u00e9couvrez quelques-une de ses implications fiscales.<!-- 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":831,"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":[4,28,3],"tags":[],"class_list":{"0":"post-826","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cat-cpa","8":"category-medecins","9":"category-cat-particuliers","10":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance vie et fiscalit\u00e9 : bien comprendre les avantages - VIGILIS - Zone conseils<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les impacts fiscaux de l\u2019assurance vie d\u2019un particulier afin de b\u00e9n\u00e9ficier de tous ses avantages financiers.\" \/>\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\/assurance-vie-comprendre-les-avantages-fiscaux\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance vie et fiscalit\u00e9 : bien comprendre les avantages - VIGILIS - Zone conseils\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez les impacts fiscaux de l\u2019assurance vie d\u2019un particulier afin de b\u00e9n\u00e9ficier de tous ses avantages financiers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vigilis.ca\/zone-conseils\/assurance-vie-comprendre-les-avantages-fiscaux\/\" \/>\n<meta property=\"og:site_name\" content=\"VIGILIS - 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