{"id":1214558,"date":"2022-08-11T06:00:43","date_gmt":"2022-08-11T10:00:43","guid":{"rendered":"https:\/\/www.cpp.ca\/?p=1214558"},"modified":"2022-08-10T12:54:54","modified_gmt":"2022-08-10T16:54:54","slug":"assurance-vie-universelle-et-assurance-vie-entiere","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/assurance-vie-universelle-et-assurance-vie-entiere\/","title":{"rendered":"Assurance vie universelle et assurance vie enti\u00e8re"},"content":{"rendered":"[vc_row type=\u00a0\u00bbin_container\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 overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\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]\n<h3>Comment se comparent-elles?<\/h3>\n<p>Si vous vous cherchez une assurance vie, il est probable que toutes les options offertes et peut-\u00eatre m\u00eame les termes utilis\u00e9s ont d\u00e9j\u00e0 sem\u00e9 la confusion dans votre esprit! En fait, pour d\u00e9terminer quelle assurance vous convient, vous devez commencer par comprendre les notions de base\u00a0\u2013 et vous \u00eates justement au bon endroit!<\/p>\n<p>Cet article se penchera sur deux\u00a0types d\u2019assurance vie\u00a0\u2013 l\u2019assurance vie enti\u00e8re et l\u2019assurance vie universelle\u00a0\u2013 mettant l\u2019accent sur leurs similitudes et leurs diff\u00e9rences.<\/p>\n<h3>Que sont l\u2019assurance vie universelle et l\u2019assurance vie enti\u00e8re?<\/h3>\n<p>L\u2019assurance vie universelle et l\u2019assurance vie enti\u00e8re sont des types d\u2019assurance vie<strong style=\"font-weight: bold;\"> permanente<\/strong>, par opposition \u00e0 l\u2019assurance vie temporaire. L\u2019assurance vie universelle et l\u2019assurance vie enti\u00e8re ont les caract\u00e9ristiques suivantes en commun\u00a0:<\/p>\n<ul>\n<li>Elles n\u2019ont jamais besoin d\u2019\u00eatre renouvel\u00e9es\u00a0: si vous payez vos primes, la couverture dure toute votre vie et une prestation est vers\u00e9e \u00e0 votre d\u00e9c\u00e8s. En revanche, les polices d\u2019assurance vie temporaire ne durent qu\u2019un certain nombre d\u2019ann\u00e9es.<\/li>\n<li>Elles comportent habituellement deux\u00a0volets\u00a0: un volet assurance et un volet \u00e9pargne ou placement.<\/li>\n<li>Selon la valeur accumul\u00e9e, vous pouvez r\u00e9cup\u00e9rer la valeur de rachat de ces polices si vous les r\u00e9siliez. Vous pouvez aussi tirer parti de leur valeur de rachat pour faire un emprunt.<\/li>\n<li>Les gains r\u00e9alis\u00e9s dans le cadre de la police\u00a0\u2013 qu\u2019ils proviennent des placements effectu\u00e9s au titre de la police ou de dividendes\u00a0\u2013 sont \u00e0 l\u2019abri de l\u2019imp\u00f4t. Ainsi, les deux\u00a0types de polices vous permettent d\u2019accumuler du patrimoine \u00e0 l\u2019abri de l\u2019imp\u00f4t.<\/li>\n<\/ul>\n<h3>En quoi l\u2019assurance vie universelle et l\u2019assurance vie enti\u00e8re diff\u00e8rent-elles?<\/h3>\n<p>Malgr\u00e9 leurs similitudes, les diff\u00e9rences entre l\u2019assurance vie universelle et l\u2019assurance vie enti\u00e8re font en sorte que chacune convient \u00e0 un type de titulaire de police diff\u00e9rent.<\/p>\n<p>De fa\u00e7on g\u00e9n\u00e9rale, l\u2019assurance vie enti\u00e8re offre plus de stabilit\u00e9 et de r\u00e9gularit\u00e9, ce qui la rend plus co\u00fbteuse. L\u2019assurance vie universelle est plus polyvalente et a tendance \u00e0 \u00eatre moins co\u00fbteuse.<\/p>\n<p>Les diff\u00e9rences entre l\u2019assurance vie enti\u00e8re et l\u2019assurance vie universelle se d\u00e9clinent en quatre\u00a0cat\u00e9gories\u00a0:[\/vc_column_text][toggles style=\u00a0\u00bbminimal\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bb1. Primes\u00a0\u00bb][vc_column_text]\n<ul>\n<li>L\u2019assurance vie enti\u00e8re est assortie de primes fixes qui ne changent jamais.<\/li>\n<li>Les paiements des polices d\u2019assurance vie universelle sont variables. C\u2019est vous qui d\u00e9cidez du montant que vous cotisez et de la fr\u00e9quence \u00e0 laquelle vous le faites. La seule contrainte est que les cotisations vers\u00e9es doivent couvrir le co\u00fbt de l\u2019assurance elle-m\u00eame. Autrement dit, votre fournisseur utilisera l\u2019argent contenu dans le volet placement de votre compte pour payer votre assurance. Il effectuera ceci jusqu\u2019\u00e0 l\u2019\u00e9puisement du compte, apr\u00e8s quoi votre couverture tombera en d\u00e9ch\u00e9ance.<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bb2. Capital assur\u00e9 (le versement pr\u00e9vu au titre de la police) \u00ab\u00a0][vc_column_text]\n<ul>\n<li>Le capital assur\u00e9 des polices d\u2019assurance vie enti\u00e8re demeure toujours le m\u00eame, bien que vous puissiez toujours souscrire une couverture suppl\u00e9mentaire au besoin.<\/li>\n<li>Vous pouvez modifier le capital assur\u00e9 des polices d\u2019assurance vie universelle sans r\u00e9silier votre couverture pour en souscrire une autre. Cette option peut \u00eatre utile lorsque vos besoins et vos responsabilit\u00e9s changent. Si vous r\u00e9duisez le capital assur\u00e9, votre cotisation minimale sera \u00e9galement r\u00e9duite.<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bb3. Valeur de rachat\u00a0\u00bb][vc_column_text]\n<ul>\n<li>La valeur de rachat de votre police d\u2019assurance vie enti\u00e8re augmente progressivement au fil du temps, car votre fournisseur verse une partie de chaque prime dans un compte d\u2019\u00e9pargne ou de placement. Par cons\u00e9quent, vous pouvez utiliser la valeur de rachat de votre police comme garantie pour faire un emprunt. Vous pouvez \u00e9galement r\u00e9silier votre police et recevoir la valeur de rachat. Cette option vous laisserait sans couverture, mais elle peut \u00eatre utile en cas d\u2019urgence ou de d\u00e9penses inattendues.<\/li>\n<li>Les polices d\u2019assurance vie universelle permettent d\u2019accumuler une valeur de rachat si vous versez des cotisations sup\u00e9rieures au minimum (c\u2019est-\u00e0-dire le co\u00fbt de l\u2019assurance elle-m\u00eame). Vous pouvez effectuer des retraits ou des emprunts sur votre solde de liquidit\u00e9s. Toutefois, il faut savoir que l\u2019\u00e9puisement complet de votre compte ferait en sorte que vous n\u2019auriez plus de couverture. Comme pour les polices d\u2019assurance vie enti\u00e8re, vous pouvez utiliser la valeur de rachat de votre police d\u2019assurance vie universelle comme garantie pour faire un emprunt.<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bb4. Int\u00e9r\u00eats et dividendes\u00a0\u00bb][vc_column_text]\n<ul>\n<li>Lorsque vous souscrivez une assurance vie enti\u00e8re, votre police pr\u00e9cisera le taux d\u2019int\u00e9r\u00eat minimal applicable \u00e0 votre compte de liquidit\u00e9s. Votre police peut aussi comprendre des dividendes, que vous pouvez retirer en esp\u00e8ces ou r\u00e9investir dans la police.<\/li>\n<li>Les polices d\u2019assurance vie universelle n\u2019offrent pas de rendement garanti, car les rendements d\u00e9pendent du rendement des placements sous-jacents que votre fournisseur effectue.<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][\/toggles][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h3>Laquelle est pr\u00e9f\u00e9rable\u00a0: l\u2019assurance vie temporaire ou l\u2019assurance vie permanente?<\/h3>\n<p>Cela d\u00e9pend de plusieurs facteurs, dont votre \u00e2ge et l\u2019\u00e2ge des personnes \u00e0 votre charge, votre tol\u00e9rance au risque, vos besoins financiers actuels et futurs, et le niveau de contr\u00f4le que vous souhaitez exercer sur vos placements. Si vous ne savez pas quelle option vous convient, le plus judicieux serait de consulter un planificateur financier ou un conseiller en assurance vie.<\/p>\n<p>Plan de protection du Canada offre une <a href=\"https:\/\/www.cpp.ca\/fr\/assurance-vie-sans-exigence-medicale\/\" target=\"_blank\" rel=\"noopener\">vaste gamme de produits d\u2019assurance vie<\/a> afin de r\u00e9pondre aux besoins de votre famille et de chacun des membres de celle-ci, tout au long de sa vie. Essayez notre <a href=\"https:\/\/www.cpp.ca\/fr\/soumission-dassurance-analyse-des-besoins-des-consommateurs\/\" target=\"_blank\" rel=\"noopener\">calculateur d\u2019assurance vie<\/a> pour obtenir une estimation rapide du montant d\u2019assurance qui est optimal pour vous et notre outil de <a href=\"https:\/\/www.cpp.ca\/fr\/soumission-dassurance\/\" target=\"_blank\" rel=\"noopener\">soumission rapide<\/a> pour obtenir une estimation de vos primes. Pour toute question sur nos produits, n\u2019h\u00e9sitez pas \u00e0 <a href=\"https:\/\/www.cpp.ca\/fr\/communiquez-avec-nous\/\" target=\"_blank\" rel=\"noopener\">communiquer avec nous<\/a>. Nous sommes pr\u00eats \u00e0 vous aider \u00e0 assurer un avenir s\u00fbr et sans souci pour votre famille![\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\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 zindex=\u00a0\u00bb99&Prime; 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][divider line_type=\u00a0\u00bbFull Width Line\u00a0\u00bb line_thickness=\u00a0\u00bb1&Prime; divider_color=\u00a0\u00bbaccent-color\u00a0\u00bb custom_height=\u00a0\u00bb2&Prime;][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb20&Prime;][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\/6&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 offset=\u00a0\u00bbvc_col-lg-2 vc_col-md-2 vc_col-xs-2&Prime;][image_with_animation image_url=\u00a0\u00bb26968&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bbNone\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb][\/vc_column_inner][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\u00bb5\/6&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 offset=\u00a0\u00bbvc_col-lg-10 vc_col-md-10 vc_col-xs-10&Prime;][vc_column_text]\n<div style=\"font-size: 13px; line-height: 18px;\"><strong style=\"font-weight: bold; letter-spacing: 0.2px;\"><a style=\"font-weight: bold;\" href=\"https:\/\/www.cpp.ca\/fr\/\" target=\"_blank\" rel=\"noopener noreferrer\">Plan de protection du Canada<\/a> est un chef de file en assurance vie sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e au Canada.<\/strong> Notre mission est de fournir une protection fiable et un service compatissant d\u2019un oc\u00e9an \u00e0 l\u2019autre avec une assurance vie, une assurance maladies graves et des produits connexes faciles \u00e0 acheter. Notre gamme de produits croissante vous aidera \u00e0 obtenir la couverture et la tranquillit\u00e9 d\u2019esprit dont vous avez besoin pour vous assurer un meilleur avenir financier. Les produits de Plan de protection du Canada sont offerts par l\u2019interm\u00e9diaire de plus de 25 000 conseillers en assurance ind\u00e9pendants partout au Canada.<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb translate_y=\u00a0\u00bb75&Prime; 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][vc_column_text]\n<p style=\"text-align: right; font-size: 12px; color: #bcbcbc !important;\">BLG826-0822FR<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=\u00a0\u00bbin_container\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 overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\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] Comment se comparent-elles? Si vous vous cherchez&#8230;<\/p>\n","protected":false},"author":120,"featured_media":1214808,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[358,365,366,367],"tags":[],"class_list":["post-1214558","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blogue","category-conseillers-fr","category-news-fr","category-patriculiers-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance vie universelle et assurance vie enti\u00e8re | Plan de protection du Canada<\/title>\n<meta name=\"description\" content=\"Si vous songez \u00e0 souscrire une assurance vie, vous vous demandez peut-\u00eatre comment se comparent l\u2019assurance vie universelle et l\u2019assurance vie enti\u00e8re. 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