{"id":12605,"date":"2022-01-05T18:06:00","date_gmt":"2022-01-05T18:06:00","guid":{"rendered":"https:\/\/devblog.foresters.com\/?p=12605"},"modified":"2022-07-14T15:03:17","modified_gmt":"2022-07-14T15:03:17","slug":"comprendre-le-langage-de-lassurance-vie","status":"publish","type":"post","link":"https:\/\/devblog.foresters.com\/fr-ca\/foresters-fr-ca\/comprendre-le-langage-de-lassurance-vie\/","title":{"rendered":"Comprendre le langage de l&#8217;assurance-vie"},"content":{"rendered":"\r\n<p>Si la pand\u00e9mie de COVID-19 vous a fait r\u00e9fl\u00e9chir \u00e0 l&#8217;achat d&#8217;une assurance-vie, vous n&#8217;\u00eates pas seul.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Selon une \u00e9tude men\u00e9e par Life Happens en 2020, deux tiers (67 %) des Am\u00e9ricains affirment que la pand\u00e9mie les a incit\u00e9s \u00e0 r\u00e9\u00e9valuer leurs finances<sup>1<\/sup>. Une \u00e9tude plus r\u00e9cente men\u00e9e par LIMRA en 2021 en partenariat avec Life Happens, a r\u00e9v\u00e9l\u00e9 que les jeunes Am\u00e9ricains sont les moins susceptibles d&#8217;\u00eatre assur\u00e9s mais les plus susceptibles d&#8217;exprimer un int\u00e9r\u00eat pour l&#8217;achat d&#8217;une assurance-vie dans l&#8217;ann\u00e9e \u00e0 venir. L&#8217;\u00e9tude a \u00e9galement r\u00e9v\u00e9l\u00e9 que pr\u00e8s de la moiti\u00e9 (45 %) des mill\u00e9niaux ont d\u00e9clar\u00e9 \u00eatre plus enclins \u00e0 souscrire une assurance-vie en raison de la COVID-19<sup>2<\/sup>.<\/p>\r\n\r\n\r\n\r\n<p>\u00a0La souscription d&#8217;une assurance-vie n\u2019a pas besoin d\u2019\u00eatre un processus complexe si vous comprenez les diff\u00e9rents produits et la terminologie cl\u00e9. Voici les principaux termes que chacun devrait conna\u00eetre avant de s&#8217;adresser \u00e0 un agent d&#8217;assurance-vie<sup>3<\/sup>:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Assurance vie enti\u00e8re<\/strong>\u00a0\u2013 L&#8217;assurance vie enti\u00e8re vous offre une couverture pour votre \u00ab\u00a0vie enti\u00e8re\u00a0\u00bb, avec des paiements de primes fixes. L&#8217;assurance vie enti\u00e8re est aussi commun\u00e9ment appel\u00e9e assurance vie permanente et offre une valeur de rachat. L&#8217;assurance vie enti\u00e8re peut \u00e9galement vous offrir la possibilit\u00e9 de recevoir des dividendes annuels non garantis de la compagnie d&#8217;assurance vie.<\/li>\r\n<li><strong>Assurance vie universelle<\/strong> \u2013 Comme l&#8217;assurance vie enti\u00e8re, l&#8217;assurance vie universelle offre \u00e9galement une couverture \u00ab\u00a0\u00e0 vie\u00a0\u00bb et accumule une valeur de rachat. Bien que l&#8217;assurance vie universelle puisse \u00eatre flexible en ce qui concerne les montants des primes \u00e0 payer, le co\u00fbt de l&#8217;assurance augmente g\u00e9n\u00e9ralement chaque ann\u00e9e, ce qui exige que des paiements suffisants soient effectu\u00e9s pour accumuler des valeurs de rachat afin de payer le co\u00fbt de l&#8217;assurance et d&#8217;autres frais \u00e9ventuels. Les montants de couverture peuvent \u00eatre fixes ou augmenter avec la valeur de rachat.<\/li>\r\n<li><strong>Assurance vie temporaire\u00a0<\/strong>\u2013 L&#8217;assurance vie temporaire fait r\u00e9f\u00e9rence \u00e0 une couverture pour une p\u00e9riode de temps d\u00e9finie. Les dur\u00e9es varient souvent entre 10 et 30 ans.\u00a0 Si vous d\u00e9passez la date d&#8217;\u00e9ch\u00e9ance, vous pouvez prolonger la dur\u00e9e de l&#8217;assurance, la transformer en une assurance-vie permanente ou laisser la police expirer.<\/li>\r\n<li><strong>Tarification m\u00e9dicale ou non m\u00e9dicale <\/strong>\u2013 La tarification m\u00e9dicale, ou assurance vie enti\u00e8rement souscrite, exige souvent une \u00e9valuation compl\u00e8te de vos ant\u00e9c\u00e9dents m\u00e9dicaux, y compris un examen m\u00e9dical et des analyses de sang et d&#8217;urine.\u00a0 La tarification non m\u00e9dicale, ou tarification acc\u00e9l\u00e9r\u00e9e, fait r\u00e9f\u00e9rence \u00e0 un processus simplifi\u00e9 de souscription d&#8217;une assurance vie sans examen m\u00e9dical, ce qui acc\u00e9l\u00e8re le processus de tarification.<\/li>\r\n<li><strong>Valeur de rachat \u2013 <\/strong>Les polices d&#8217;assurance vie enti\u00e8re et universelle offrent une valeur de rachat qui peut s&#8217;accumuler au fil du temps \u00e0 partir d&#8217;une partie de la prime vers\u00e9e ou des int\u00e9r\u00eats ou dividendes cr\u00e9dit\u00e9s. La valeur de rachat accessible peut \u00eatre retir\u00e9e ou m\u00eame utilis\u00e9e pour payer les primes de la police<sup>4<\/sup>.<\/li>\r\n<li><strong>Montant nominal<\/strong>\u00a0\u2013 Le montant de l&#8217;assurance souscrite par une personne.<\/li>\r\n<li><strong>Prime<\/strong>\u00a0\u2013 Le paiement que le titulaire de la police envoie \u00e0 l&#8217;assureur vie en \u00e9change de la couverture.<\/li>\r\n<li><strong>Cote de solidit\u00e9 financi\u00e8re <\/strong>\u2013 Les polices d&#8217;assurance vie sont garanties par la capacit\u00e9 de la compagnie d&#8217;assurance-vie \u00e0 verser le capital-d\u00e9c\u00e8s. Cette capacit\u00e9 de paiement est contr\u00f4l\u00e9e et not\u00e9e chaque ann\u00e9e par plusieurs agences de notation. Tenez compte de la solidit\u00e9 financi\u00e8re de la compagnie d&#8217;assurance-vie \u00e0 l&#8217;origine de votre police et v\u00e9rifiez si elle est bien not\u00e9e, de fa\u00e7on constante.<\/li>\r\n<li><strong>Avenant\u00a0<\/strong>\u2013 Un avenant est un compl\u00e9ment volontaire \u00e0 une police d&#8217;assurance vie. Il s&#8217;agit essentiellement d&#8217;am\u00e9liorations \u00e0 la carte que les assur\u00e9s peuvent acheter pour adapter davantage leur couverture \u00e0 leurs besoins.\u00a0 La protection du revenu en cas d&#8217;invalidit\u00e9 et le d\u00e9c\u00e8s accidentel sont des exemples courants d&#8217;avenants.<\/li>\r\n<li><strong>B\u00e9n\u00e9ficiaire <\/strong>\u2013 D\u00e9signation d&#8217;une ou plusieurs personnes de votre choix pour recevoir le produit de la police payable au d\u00e9c\u00e8s.\u00a0\u00a0 \u00a0\u00a0<\/li>\r\n<li><strong>Souscripteur\u00a0<\/strong>\u2013 Un souscripteur travaille pour la compagnie d&#8217;assurance vie et \u00e9value les demandes, les caract\u00e9ristiques de votre sant\u00e9 et les risques potentiels afin de d\u00e9terminer si vous \u00eates admissible \u00e0 une couverture d&#8217;assurance-vie et, le cas \u00e9ch\u00e9ant, le montant de votre prime selon la police choisie.<\/li>\r\n<li><strong>Agent d&#8217;assurance vie<\/strong>\u2013 Un professionnel agr\u00e9\u00e9 autoris\u00e9 par l&#8217;\u00c9tat \u00e0 proposer des polices d&#8217;assurance-vie au public.\u00a0 Les agents peuvent travailler de mani\u00e8re ind\u00e9pendante et repr\u00e9senter plusieurs compagnies d&#8217;assurance ou en tant qu&#8217;agent direct travaillant pour une compagnie sp\u00e9cifique.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Si l&#8217;assurance vie vous int\u00e9resse, demandez \u00e0 un agent d&#8217;assurance vie quel type de police d&#8217;assurance vie r\u00e9pondra \u00e0 vos besoins, qu&#8217;il s&#8217;agisse de prot\u00e9ger l&#8217;avenir de votre famille, d&#8217;assurer votre pr\u00eat hypoth\u00e9caire ou d&#8217;am\u00e9liorer votre planification financi\u00e8re globale et votre retraite.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"has-small-font-size\">1 Life Happens, \u00ab\u00a0COVID-19 Sparks New Family Conversations Around Financial Matters\u00a0\u00bb, 8 juillet 2020<\/p>\r\n\r\n\r\n\r\n<p class=\"has-small-font-size\">2 LIMRA and Life Happens, \u00ab\u00a0Study Finds COVID-19 Spurs Greater Interest in Life Insurance\u00a0\u00bb, 23 mars 2021<\/p>\r\n\r\n\r\n\r\n<p class=\"has-small-font-size\">3 Il s&#8217;agit de descriptions g\u00e9n\u00e9rales soumises aux d\u00e9finitions utilis\u00e9es par les compagnies d&#8217;assurance sp\u00e9cifiques et le produit d&#8217;assurance sp\u00e9cifique.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-small-font-size\">4 Les retraits ou les pr\u00eats r\u00e9duiront la prestation de d\u00e9c\u00e8s et les valeurs de rachat et peuvent avoir une incidence sur la dur\u00e9e du contrat d&#8217;assurance. Les dividendes ne sont pas garantis. Les dividendes pass\u00e9s ne sont pas un indicateur du rendement futur des dividendes.<\/p>\r\n\r\n\r\n\r\n<p>420340 FR (01\/22)<\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator\" \/>","protected":false},"excerpt":{"rendered":"<p>Comprendre le langage de l&#8217;assurance-vie<\/p>\n","protected":false},"author":10,"featured_media":12529,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1757],"tags":[147],"class_list":{"0":"post-12605","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-foresters-fr-ca","8":"tag-life-insurance-fr-ca"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comprendre le langage de l&#039;assurance-vie - Membership Matters<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprendre le langage de l&#039;assurance-vie - 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