{"id":4938,"date":"2017-03-30T00:00:00","date_gmt":"2017-03-30T00:00:00","guid":{"rendered":"https:\/\/www.cpp.ca\/?page_id=4938"},"modified":"2023-04-19T10:25:11","modified_gmt":"2023-04-19T14:25:11","slug":"tarification","status":"publish","type":"page","link":"https:\/\/www.cpp.ca\/fr\/conseillers\/tarification\/","title":{"rendered":"Tarification"},"content":{"rendered":"[vc_row type=\u00a0\u00bbfull_width_background\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb bg_image=\u00a0\u00bb1308086&Prime; bg_position=\u00a0\u00bbcenter top\u00a0\u00bb bg_repeat=\u00a0\u00bbno-repeat\u00a0\u00bb bg_color=\u00a0\u00bb#f7f5f2&Prime; scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb top_padding=\u00a0\u00bb8%\u00a0\u00bb bottom_padding=\u00a0\u00bb8%\u00a0\u00bb class=\u00a0\u00bbunderwriting-first-row cpp-header-bg\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb parallax_bg=\u00a0\u00bbtrue\u00a0\u00bb parallax_bg_speed=\u00a0\u00bbslow\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb2\/5&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][divider line_type=\u00a0\u00bbSmall Line\u00a0\u00bb line_alignment=\u00a0\u00bbdefault\u00a0\u00bb line_thickness=\u00a0\u00bb2&Prime; divider_color=\u00a0\u00bbaccent-color\u00a0\u00bb animate=\u00a0\u00bbyes\u00a0\u00bb custom_line_width=\u00a0\u00bb130&Prime;][vc_column_text]\n<h2>Tarification<\/h2>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb20&Prime;][vc_column_text]Plan de protection du Canada offre une gamme de produits \u00e0 \u00e9mission simplifi\u00e9e et ceux faisant l\u2019objet d\u2019une tarification pour r\u00e9pondre aux besoins de vos clients en mati\u00e8re d\u2019assurance vie[\/vc_column_text][\/vc_column][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb3\/5&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbfull_width_background\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb bg_color=\u00a0\u00bb#ffffff\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bblight\u00a0\u00bb text_align=\u00a0\u00bbcenter\u00a0\u00bb top_padding=\u00a0\u00bb20&Prime; bottom_padding=\u00a0\u00bb40&Prime; color_overlay=\u00a0\u00bb#005688&Prime; overlay_strength=\u00a0\u00bb0.95&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbcenter\u00a0\u00bb phone_text_alignment=\u00a0\u00bbcenter\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1556251231992{margin-top: 15px !important;}\u00a0\u00bb]\n<h3><strong>SOUTIEN AUX CONSEILLERS<\/strong> 1 877 796-9090<\/h3>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbfull_width_background\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb top_padding=\u00a0\u00bb5%\u00a0\u00bb bottom_padding=\u00a0\u00bb5%\u00a0\u00bb class=\u00a0\u00bbunderwriting-second-row\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbpadding-2-percent\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/2&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][image_with_animation image_url=\u00a0\u00bb1308089&Prime; alignment=\u00a0\u00bbright\u00a0\u00bb animation=\u00a0\u00bbFade In From Left\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb110%\u00a0\u00bb][\/vc_column][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/2&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbGuides de tarification\u00a0\u00bb font_container=\u00a0\u00bbtag:h2|text_align:left|color:%23058efb\u00a0\u00bb use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb][divider line_type=\u00a0\u00bbSmall Line\u00a0\u00bb line_alignment=\u00a0\u00bbdefault\u00a0\u00bb line_thickness=\u00a0\u00bb2&Prime; divider_color=\u00a0\u00bbaccent-color\u00a0\u00bb animate=\u00a0\u00bbyes\u00a0\u00bb custom_height=\u00a0\u00bb100&Prime; custom_line_width=\u00a0\u00bb120&Prime;][vc_column_text css_animation=\u00a0\u00bbbottom-to-top\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1554950602705{padding-right: 10% !important;}\u00a0\u00bb]Nous croyons fermement que la meilleure fa\u00e7on de s\u2019assurer que votre client r\u00e9pondra correctement aux questions de la proposition et obtiendra la police qui lui convient est de poser des questions tr\u00e8s pr\u00e9cises et claires. Nous \u00e9vitons les questions g\u00e9n\u00e9rales ou vagues qui pourraient embrouiller votre client.<\/p>\n<p>Nous avons \u00e9labor\u00e9 un Guide de tarification pour vous aider \u00e0 r\u00e9pondre aux questions figurant sur notre proposition. Ce guide fournit des d\u00e9finitions des probl\u00e8mes de sant\u00e9 et des probl\u00e8mes non m\u00e9dicaux communs et indique les p\u00e9riodes de temps, les facteurs et les autres renseignements pertinents pour vous aider \u00e0 d\u00e9terminer l\u2019admissibilit\u00e9 \u00e0 un r\u00e9gime.[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb30&Prime;][nectar_cta btn_style=\u00a0\u00bbsee-through\u00a0\u00bb heading_tag=\u00a0\u00bbh5&Prime; text_color=\u00a0\u00bb#c31c24&Prime; link_type=\u00a0\u00bbnew_tab\u00a0\u00bb alignment=\u00a0\u00bbleft\u00a0\u00bb link_text=\u00a0\u00bbT\u00e9l\u00e9chargez le guide de tarification A-Z en PDF (FRAN\u00c7AIS)\u00a0\u00bb url=\u00a0\u00bb\/wp-content\/uploads\/marketing-materials\/CP113-UWG_AZLifeInsurance_420997-FR-0824.pdf\u00a0\u00bb][nectar_cta btn_style=\u00a0\u00bbsee-through\u00a0\u00bb heading_tag=\u00a0\u00bbh5&Prime; text_color=\u00a0\u00bb#c31c24&Prime; link_type=\u00a0\u00bbnew_tab\u00a0\u00bb alignment=\u00a0\u00bbleft\u00a0\u00bb link_text=\u00a0\u00bbT\u00e9l\u00e9chargez le guide de tarification \u00c9lite Express en PDF (FRAN\u00c7AIS)\u00a0\u00bb url=\u00a0\u00bb\/wp-content\/uploads\/2019\/marketing-materials\/EE-UWGuide-1019FR.pdf\u00a0\u00bb][nectar_cta btn_style=\u00a0\u00bbsee-through\u00a0\u00bb heading_tag=\u00a0\u00bbh5&Prime; text_color=\u00a0\u00bb#c31c24&Prime; link_type=\u00a0\u00bbnew_tab\u00a0\u00bb alignment=\u00a0\u00bbleft\u00a0\u00bb link_text=\u00a0\u00bbT\u00e9l\u00e9chargez le guide de tarification de l\u2019assurance maladies graves (PDF)\u00a0\u00bb url=\u00a0\u00bb\/wp-content\/uploads\/2020\/marketing-materials\/CI-UWGuide-0420FR-Online.pdf\u00a0\u00bb][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbfull_width_background\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbtop\u00a0\u00bb bg_color=\u00a0\u00bb#f7f5f2&Prime; scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb top_padding=\u00a0\u00bb5%\u00a0\u00bb bottom_padding=\u00a0\u00bb5%\u00a0\u00bb class=\u00a0\u00bbunderwriting-third-row\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbpadding-2-percent\u00a0\u00bb column_padding_position=\u00a0\u00bbright\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/2&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1556251317927{margin-bottom: 10px !important;}\u00a0\u00bb]\n<div class=\"col span_12 centered-text\" data-animation=\"\" data-delay=\"0\">\n<h2 style=\"text-align: left;\">Que faire si vous n\u2019\u00eates pas certain au sujet d&rsquo;une question donn\u00e9e? Votre client pourrait se demander:<\/h2>\n<\/div>\n<div class=\"clear\" style=\"text-align: left;\"><\/div>\n<div class=\"divider-wrap\" style=\"text-align: left;\"><\/div>\n[\/vc_column_text]<div class=\"nectar-fancy-ul\" data-list-icon=\"fa fa-question-circle\" data-animation=\"true\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> \n<div class=\"col span_4 \" data-animation=\"\" data-delay=\"0\">\n<div class=\"med-blurb\">\n<ul>\n<li>Est-ce qu\u2019une crise cardiaque est la m\u00eame chose qu\u2019une insuffisance cardiaque congestive?<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"col span_4 \" data-animation=\"\" data-delay=\"0\">\n<div class=\"med-blurb\">\n<ul>\n<li>Est-ce que le carcinome basocellulaire qu\u2019il s\u2019est fait enlever l\u2019an dernier est consid\u00e9r\u00e9 comme un cancer?<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"col span_4 col_last \" data-animation=\"\" data-delay=\"0\">\n<div class=\"med-blurb\">\n<ul>\n<li>\u00c0 quel(s) r\u00e9gime(s) est-il admissible s\u2019il a subi un accident vasculaire c\u00e9r\u00e9bral il y a quatre ans?<\/li>\n<\/ul>\n<\/div>\n<\/div>\n <\/div>[\/vc_column][vc_column column_padding=\u00a0\u00bbpadding-2-percent\u00a0\u00bb column_padding_position=\u00a0\u00bbleft\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/2&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1556752647763{margin-bottom: 40px !important;}\u00a0\u00bb]\n<h3 class=\"center side-padded\">Si le probl\u00e8me de sant\u00e9 de votre client est plus compliqu\u00e9 ou si vous souhaitez simplement avoir l\u2019avis d\u2019un tarificateur, veuillez communiquer avec notre \u00e9quipe de tarification.<\/h3>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb.vc_custom_1630348799591{margin-bottom: 40px !important;}\u00a0\u00bb]\n<h3 class=\"center side-padded\">Vous profitez d\u2019un acc\u00e8s direct \u00e0 nos tarificateurs, du lundi au vendredi, <span style=\"white-space: nowrap;\">de 9 h \u00e0 18 h (HE).<\/span><\/h3>\n[\/vc_column_text]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style fa fa-envelope extra-color-2\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><a href=\"mailto:tarification@ppcqc.ca\"><strong>tarification@ppcqc.ca<\/strong><\/a><\/h4>\n <\/div><div class=\"clear\"><\/div><\/div><div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style fa fa-phone-square extra-color-2\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>877-796-9090 \u2013 Appuyez sur le 4<\/strong><\/h4>\n <\/div><div class=\"clear\"><\/div><\/div>[\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbfull_width_background\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb top_padding=\u00a0\u00bb100&Prime; bottom_padding=\u00a0\u00bb100&Prime; class=\u00a0\u00bbunderwriting-qa\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1554951769941{margin-bottom: 50px !important;}\u00a0\u00bb]\n<h2>FAQ CONCERNANT LA TARIFICATION<\/h2>\n[\/vc_column_text][toggles style=\u00a0\u00bbminimal\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbSi le client a d\u00e8j\u00e0 fait l&rsquo;objet d&rsquo;un refus\u00a0\u00bb][vc_column_text]<em><strong>Mon client a \u00e9t\u00e9 r\u00e9cemment refus\u00e9 par une autre compagnie d\u2019assurance vie ; est-il admissible \u00e0 une police de Plan de protection du Canada?<\/strong><\/em><br \/>\nNos propositions ne demandent pas si le client a \u00e9t\u00e9 refus\u00e9, surprim\u00e9 ou report\u00e9.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbExceptions de tarification\u00a0\u00bb][vc_column_text]<em><strong>Des exceptions de tarification sont-elles possibles? Dans quelle mesure pouvez-vous faire preuve de flexibilit\u00e9?<\/strong><\/em><br \/>\nParce que nous offrons un acc\u00e8s \u00e0 des tarificateurs, nous pouvons faire preuve de souplesse dans certaines circonstances.<\/p>\n<p>Les exceptions sont accord\u00e9es au cas par cas et doivent \u00eatre confirm\u00e9es par \u00e9crit par le service de la tarification. Le conseiller devra inclure la confirmation \u00e9crite avec la proposition afin d\u2019en faciliter le traitement par le service des nouvelles affaires.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbAffections M\u00e9dicales Pr\u00e9existantes\u00a0\u00bb][vc_column_text]<em><strong>Mon client souffre d\u2019une affection m\u00e9dicale ou a certains ant\u00e9c\u00e9dents m\u00e9dicaux. Est-il admissible \u00e0 une protection? Quels sont les r\u00e9gimes auxquels il peut pr\u00e9tendre?<\/strong><\/em><br \/>\nLes questions pos\u00e9es le plus souvent \u00e0 la tarification concernent l\u2019admissibilit\u00e9 du client qui souffre d\u2019une affection m\u00e9dicale particuli\u00e8re.<\/p>\n<ul>\n<li><span lang=\"FR-CA\">Les propositions de <a href=\"\/wp-content\/uploads\/marketing-materials\/APP_AzLifeInsurance_105942FR0922A-Fill-R1007.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Couverture\u00a0Vie A-Z<\/a>, <a href=\"\/wp-content\/uploads\/marketing-materials\/APP_ExpressElite_106058FR0423-Fill-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">\u00c9lite Express<\/a> et de <a href=\"\/wp-content\/uploads\/marketing-materials\/APP_CriticalIllness_106079FR0423-Fill.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">l\u2019assurance maladies graves <\/a>sont les principales sources de renseignements sur l\u2019admissibilit\u00e9.<\/span><\/li>\n<li>Les guides de tarification (<a href=\"\/wp-content\/uploads\/marketing-materials\/CP113-UWG_AZLifeInsurance_420997-FR-0824.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Couverture\u00a0Vie A-Z en format\u00a0PDF<\/a>, <a href=\"\/wp-content\/uploads\/2019\/marketing-materials\/EE-UWGuide-1019FR.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">\u00c9lite Express en format\u00a0PDF<\/a> <span lang=\"FR-CA\">et de <a href=\"https:\/\/www.cpp.ca\/wp-content\/uploads\/2020\/marketing-materials\/CI-UWGuide-0420FR-Online.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">l&rsquo;assurance maladies graves en format PDF<\/a><\/span>) contiennent une liste compl\u00e8te d\u2019affections m\u00e9dicales et indiquent leur incidence sur l\u2019admissibilit\u00e9 \u00e0 nos r\u00e9gimes.<\/li>\n<li>Pour plus de pr\u00e9cisions, vous pouvez joindre le service de la tarification directement \u00e0\u00a0<a href=\"mailto:tarification@ppcqc.ca\">tarification@ppcqc.ca<\/a>.<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbTraitement\u00a0\u00bb][vc_column_text]<em><strong>Qu\u2019est-ce qui compte comme un traitement? Un m\u00e9dicament prescrit \u00e0 titre pr\u00e9ventif est-il consid\u00e9r\u00e9 comme un traitement?<\/strong><\/em><br \/>\nLes questions de notre proposition portent sur la date du diagnostic et sur le traitement. Il existe quelques exceptions pr\u00e9cises au regard des traitements consid\u00e9r\u00e9s comme pr\u00e9ventifs. L\u2019hormonoth\u00e9rapie substitutive apr\u00e8s un traitement contre le cancer ou la prise quotidienne d\u2019aspirine apr\u00e8s une crise cardiaque sont deux exemples de m\u00e9dication que nous ne consid\u00e9rons pas comme un traitement pour les besoins de nos questions.<\/p>\n<p>Communiquer directement avec un tarificateur est le moyen le plus simple de d\u00e9terminer si un m\u00e9dicament est consid\u00e9r\u00e9 ou non comme un traitement.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbHospitalisation\u00a0\u00bb][vc_column_text]<em><strong>Qu\u2019est-ce qu\u2019une hospitalisation?<\/strong><\/em><br \/>\nPour les besoins de notre proposition, une hospitalisation est un s\u00e9jour d\u2019une nuit (\u00e0 moins que la personne ait d\u00fb rester au service des urgences, en attendant des examens) ou une admission officielle dans un h\u00f4pital.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbMarijuana\u00a0\u00bb][vc_column_text]<em><strong>Est-ce que la marijuana est consid\u00e9r\u00e9e comme un stup\u00e9fiant?<\/strong><\/em><br \/>\nLa marijuana n\u2019est PAS consid\u00e9r\u00e9e comme un stup\u00e9fiant. Toutefois, si votre client fume de la marijuana plus de six fois par semaine, les taux pour fumeurs s\u2019appliqueront. Par ailleurs, l\u2019ingestion par voie orale de marijuana et le fait d\u2019en fumer jusqu\u2019\u00e0 six fois par semaine donnent lieu aux taux pour non-fumeurs. Cela s\u2019applique \u00e0 tous les r\u00e9gimes \u00e0 l\u2019exception du r\u00e9gime \u00c9lite Pr\u00e9f\u00e9rentielle.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbSports ou passe-temps dangereux\u00a0\u00bb][vc_column_text]<em><strong>Qu\u2019est-ce qui est consid\u00e9r\u00e9 comme un sport dangereux?<\/strong><\/em><br \/>\nVoici certains sports dangereux communs : le parachutisme, l\u2019alpinisme, le saut \u00e0 l\u2019\u00e9lastique, la course automobile et la course de motos, et la plong\u00e9e sous-marine. Ceux-ci sont d\u00e9termin\u00e9s au cas par cas par la tarification. Veuillez communiquer avec nous.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbCasiers Judiciaires\u00a0\u00bb][vc_column_text]<em><strong>Est-ce que Plan de protection du Canada offre une protection aux personnes ayant un casier judiciaire?<\/strong><\/em><br \/>\nL\u2019admissibilit\u00e9 est assujettie aux questions de la proposition. Le temps \u00e9coul\u00e9 depuis le d\u00e9lit, ainsi que les accusations pendantes, la d\u00e9termination des peines, la condamnation, la sentence, l\u2019incarc\u00e9ration et les renseignements relatifs \u00e0 la probation sont tous pris en compte. Veuillez consulter la proposition et communiquer avec nous pour toute question.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbR\u00e9sidence au Canada\u00a0\u00bb][vc_column_text]<em><strong>Comment d\u00e9finit-on la r\u00e9sidence au Canada?<\/strong><\/em><br \/>\nLes proposants doivent \u00eatre des citoyens canadiens ou des immigrants re\u00e7us. Les proposants d\u00e9tenant un permis valide de travail ou d\u2019\u00e9tudes seront pris en consid\u00e9ration pour une protection allant jusqu\u2019\u00e0 250 000 $.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbVoyage\u00a0\u00bb][vc_column_text]<em><strong>Comment peut-on d\u00e9terminer quels sont les pays dangereux o\u00f9 il est pr\u00e9f\u00e9rable de ne pas voyager?<\/strong><\/em><br \/>\nTout voyage planifi\u00e9 dans les 12 prochains mois qui a une dur\u00e9e de moins de 12 semaines cons\u00e9cutives est admissible \u00e0 tous les r\u00e9gimes, sauf les r\u00e9gimes \u00c9lite Pr\u00e9f\u00e9rentielle. Pour les voyages qui durent plus de 12 semaines cons\u00e9cutives, veuillez consulter l\u2019\u00e9quipe de la tarification.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbMIB\u00a0\u00bb][vc_column_text]<em><strong>Les propositions d\u2019assurance de Plan de protection du Canada sont-elles assujetties \u00e0 la v\u00e9rification aupr\u00e8s de MIB?<\/strong><\/em><br \/>\nLes propositions d\u2019assurance de Plan de protection du Canada sont assujetties au processus de recherche et de rapportage du MIB.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbTarification pour les propositions d&rsquo;assurance pr\u00e9f\u00e9rentielle\u00a0\u00bb][vc_column_text]<em><strong>Comment Plan de protection du Canada effectue-t-il la tarification des r\u00e9gimes Pr\u00e9f\u00e9rentielle et \u00c9lite Pr\u00e9f\u00e9rentielle?<\/strong><\/em><br \/>\nLorsque vous remplissez une proposition pour un r\u00e9gime Pr\u00e9f\u00e9rentielle et \u00c9lite Pr\u00e9f\u00e9rentielle, en plus des questions simplifi\u00e9es habituelles, selon l\u2019\u00e2ge de votre client et le montant d\u2019assurance demand\u00e9, vous pourriez devoir prendre des dispositions pour satisfaire \u00e0 des exigences m\u00e9dicales limit\u00e9es, comme un examen param\u00e9dical, une analyse sanguine et une analyse d\u2019urine. Tous les renseignements pertinents pour l\u2019\u00e9valuation du risque de votre client, y compris les r\u00e9ponses donn\u00e9es dans la proposition, le rapport de MIB et les exigences li\u00e9es \u00e0 l\u2019\u00e2ge et au montant d\u2019assurance, sont transmis \u00e0 notre service de la tarification pour \u00eatre \u00e9valu\u00e9s. Le service de la tarification d\u00e9terminera si votre client est admissible \u00e0 un r\u00e9gime Pr\u00e9f\u00e9rentielle ou \u00c9lite Pr\u00e9f\u00e9rentielle et, s\u2019il ne l\u2019est pas, \u00e0 quel r\u00e9gime il est admissible.<\/p>\n<p><strong>Les exigences concernant l\u2019\u00e2ge et le montant d\u2019assurance pour les r\u00e9gimes Pr\u00e9f\u00e9rentielle et \u00c9lite Pr\u00e9f\u00e9rentielle sont les suivantes :<\/strong><\/p>\n<div class=\"su-table su-table-fixed\"><\/div>\n<table>\n<tbody>\n<tr>\n<td width=\"300\">\n<h5><strong>Pr\u00e9f\u00e9rentielle<\/strong><\/h5>\n<\/td>\n<td>\n<h5><strong>18 \u00e0 70\u00a0ans<\/strong><\/h5>\n<\/td>\n<td>\n<h5><strong>71 \u00e0 80\u00a0ans<\/strong><\/h5>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>50\u00a0001\u00a0$ \u00e0 500\u00a0000\u00a0$<\/strong><\/td>\n<td>SEM<\/td>\n<td>EP+PS<\/td>\n<\/tr>\n<tr>\n<td><strong>500 000 $ \u00e0 1 000 000 $<\/strong><\/td>\n<td>EP+PS<\/td>\n<td>EP+PS<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"300\">\n<h5><strong>\u00c9lite Pr\u00e9f\u00e9rentielle<\/strong><\/h5>\n<\/td>\n<td>\n<h5><strong>18 \u00e0 70\u00a0ans<\/strong><\/h5>\n<\/td>\n<td>\n<h5><strong>71 \u00e0 80\u00a0ans<\/strong><\/h5>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>500 000 $ \u00e0 1 000 000 $<\/strong><\/td>\n<td>SEM<\/td>\n<td>EP+PS<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>SEM :<\/strong>\u00a0Sans exigence m\u00e9dicale |<strong>\u00a0EP :<\/strong>\u00a0Examen param\u00e9dical |\u00a0<strong>PS :<\/strong>\u00a0Profil sanguin<\/p>\n<p><strong>Services param\u00e9dicaux :<\/strong><\/p>\n<ul>\n<li>ExamOne<\/li>\n<li>Hooper Holmes\/Portamedic<\/li>\n<li>MedAxio<\/li>\n<li>Quality Underwriting Services (QUS)<\/li>\n<li>Watermak<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbfull_width_content\u00a0\u00bb 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column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][divider line_type=\u00a0\u00bbFull Width Line\u00a0\u00bb line_thickness=\u00a0\u00bb2&Prime; divider_color=\u00a0\u00bbdefault\u00a0\u00bb custom_height=\u00a0\u00bb1&Prime;][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbfull_width_background\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb bg_color=\u00a0\u00bb#f7f5f2&Prime; scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb top_padding=\u00a0\u00bb8%\u00a0\u00bb bottom_padding=\u00a0\u00bb8%\u00a0\u00bb overlay_strength=\u00a0\u00bb1&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column centered_text=\u00a0\u00bbtrue\u00a0\u00bb column_padding=\u00a0\u00bbpadding-1-percent\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/5&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb enable_animation=\u00a0\u00bbtrue\u00a0\u00bb animation=\u00a0\u00bbnone\u00a0\u00bb][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbpadding-10-percent\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][image_with_animation image_url=\u00a0\u00bb8294&Prime; alignment=\u00a0\u00bb\u00a0\u00bb animation=\u00a0\u00bbFade In\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb50%\u00a0\u00bb img_link=\u00a0\u00bbhttps:\/\/www.cpp.ca\/fr\/conseillers\/assitance-aux-conseillers\/\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb enable_animation=\u00a0\u00bbtrue\u00a0\u00bb animation=\u00a0\u00bbfade-in-from-bottom\u00a0\u00bb][vc_column_text]\n<h5 style=\"text-align: center;\"><a href=\"https:\/\/www.cpp.ca\/fr\/conseillers\/assitance-aux-conseillers\/\"><span style=\"color: #c31c24;\">Mat\u00e9riel de R\u00e9f\u00e9rence et<\/span><span style=\"color: #c31c24;\"> Formulaire<\/span><\/a><\/h5>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column centered_text=\u00a0\u00bbtrue\u00a0\u00bb 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