{"id":1310171,"date":"2022-11-09T06:00:39","date_gmt":"2022-11-09T10:00:39","guid":{"rendered":"https:\/\/www.cpp.ca\/?p=1310171"},"modified":"2022-11-08T10:34:36","modified_gmt":"2022-11-08T14:34:36","slug":"suis-je-admissible-a-lassurance-vie","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/suis-je-admissible-a-lassurance-vie\/","title":{"rendered":"Suis-je admissible \u00e0 l\u2019assurance vie?"},"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″ 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″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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]De nombreuses personnes pensent que l\u2019assurance vie est un filet de s\u00e9curit\u00e9 pour les proches qui pourraient leur survivre. Cependant, elle comporte souvent de nombreuses autres fonctions. En plus de vous donner la tranquillit\u00e9 d\u2019esprit en sachant que vous avez pris des mesures pour vous assurer que votre famille ne souffrira pas financi\u00e8rement apr\u00e8s votre d\u00e9c\u00e8s, l\u2019assurance vie pourrait servir \u00e0 d\u2019autres aspects de votre plan financier et \u00eatre un outil souple \u00e0 utiliser \u00e0 mesure que votre situation personnelle change.<\/p>\n

L\u2019assurance vie comprend un processus de souscription et ce ne sont pas toutes les propositions qui sont approuv\u00e9es. C\u2019est souvent un long processus qui peut \u00eatre intimidant pour les proposants. Heureusement, certains fournisseurs utilisent un processus simplifi\u00e9 pour l\u2019approbation des propositions et ce processus comporte moins d\u2019exigences. Si vous craignez de ne pas \u00eatre admissible \u00e0 l\u2019assurance vie ou si un processus long et compliqu\u00e9 vous inqui\u00e8te, les paragraphes ci-dessous vous expliqueront des solutions de rechange qui pourraient vous aider \u00e0 obtenir la protection dont vous avez besoin sans les complications suppl\u00e9mentaires.<\/p>\n

Certains facteurs d\u00e9terminant l\u2019admissibilit\u00e9 \u00e0 l\u2019assurance vie<\/h3>\n

Les fournisseurs d\u2019assurance fondent g\u00e9n\u00e9ralement votre admissibilit\u00e9 \u00e0 la protection sur l\u2019ampleur du risque financier qu\u2019ils acceptent en vous assurant. De nombreuses polices d\u2019assurance vie pr\u00e9voient une prestation de d\u00e9c\u00e8s correspondant \u00e0 un montant fixe, peu importe le nombre de paiements effectu\u00e9s par le titulaire de la police. Par cons\u00e9quent, le risque pour l\u2019entreprise est plus \u00e9lev\u00e9 s\u2019il est probable que la personne d\u00e9c\u00e8dera peu apr\u00e8s la souscription de la police et moins \u00e9lev\u00e9 si l\u2019on peut s\u2019attendre \u00e0 ce qu\u2019elle vive longtemps. Ces estimations de l\u2019esp\u00e9rance de vie sont fond\u00e9es sur les donn\u00e9es recueillies au fil des ans aupr\u00e8s de personnes pr\u00e9sentant certains facteurs de risque, notamment\u00a0:[\/vc_column_text][toggles style=\u00a0\u00bbminimal\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbL\u2019\u00e2ge\u00a0\u00bb][vc_column_text]Plus vous vieillissez, plus vous \u00eates susceptible d\u2019avoir de graves probl\u00e8mes de sant\u00e9. Cela signifie que vous pourriez d\u00e9c\u00e9der apr\u00e8s avoir effectu\u00e9 moins de paiements qu\u2019une personne plus jeune pendant la dur\u00e9e de la police. Si vous souscrivez une police \u00e0 un \u00e2ge avanc\u00e9, le risque que votre demande de couverture soit refus\u00e9e sera plus \u00e9lev\u00e9. Si votre demande est approuv\u00e9e, vos primes seront probablement \u00e9galement plus \u00e9lev\u00e9es.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbL\u2019\u00e9tat de sant\u00e9 actuel\u00a0\u00bb][vc_column_text]Les personnes en meilleure sant\u00e9 sont plus susceptibles d\u2019obtenir une approbation, tandis que les personnes ayant des probl\u00e8mes de sant\u00e9 sont moins susceptibles d\u2019obtenir une approbation, selon leur \u00e9tat de sant\u00e9. Certains fournisseurs peuvent utiliser des tests approfondis et un examen m\u00e9dical comme outils d\u2019\u00e9valuation pour d\u00e9terminer votre admissibilit\u00e9 et vos primes.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbLes ant\u00e9c\u00e9dents m\u00e9dicaux familiaux\u00a0\u00bb][vc_column_text]\n

Certaines maladies comportent une composante g\u00e9n\u00e9tique, ce qui signifie que si des membres de votre famille biologique ont re\u00e7u un diagnostic de l\u2019une d\u2019elles, vous pourriez \u00eatre plus susceptible de d\u00e9velopper cette maladie \u00e9galement. Si vous devez remplir un questionnaire au moment de souscrire une protection, vous pourriez avoir des questions sur la pr\u00e9sence de ces affections chez les membres de votre famille. Certaines de ces maladies sont associ\u00e9es \u00e0 des variations g\u00e9n\u00e9tiques pr\u00e9cises. Certaines compagnies d\u2019assurance testeront ces variations dans le cadre de l\u2019\u00e9valuation de votre \u00e9tat de sant\u00e9. Compte tenu de l\u2019accessibilit\u00e9 croissante des tests g\u00e9n\u00e9tiques, ce type de d\u00e9pistage est susceptible de devenir plus courant. <\/span><\/div>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbLe tabagisme\u00a0\u00bb][vc_column_text]\n
Il est un facteur de risque important pour tous les types de cancers et de maladies cardiovasculaires. C\u2019est pourquoi il est g\u00e9n\u00e9ralement plus risqu\u00e9 d\u2019assurer les personnes qui fument beaucoup ou qui utilisent le tabac \u00e0 chiquer, les stylos de vapotage ou les produits de sevrage tabagique comme les timbres de nicotine. Un fournisseur pourrait quand m\u00eame approuver votre proposition, mais des taux plus \u00e9lev\u00e9s s\u2019appliqueront probablement. Certains assureurs pourraient envisager de r\u00e9duire vos primes si vous cessez de fumer, alors gardez cela \u00e0 l\u2019esprit lorsque vous examinez vos options. <\/span><\/div>\n[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbL\u2019emploi et les passe-temps\u00a0\u00bb][vc_column_text]\n
Certains emplois comportent un risque plus \u00e9lev\u00e9 de blessures ou de d\u00e9c\u00e8s au travail. Les personnes qui exercent ces emplois peuvent avoir plus de difficult\u00e9 \u00e0 obtenir une protection \u00e0 un prix pr\u00e9f\u00e9rentiel. De m\u00eame, les personnes qui s\u2019adonnent \u00e0 des activit\u00e9s dangereuses comme l\u2019alpinisme, le parachutisme ou la course automobile pourraient devoir payer des primes plus \u00e9lev\u00e9es lorsqu\u2019elles magasinent une assurance vie.<\/span><\/div>\n[\/vc_column_text][\/toggle][\/toggles][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25″][vc_column_text]Le fournisseur d\u2019assurance que vous choisissez est \u00e9galement important. Diff\u00e9rentes compagnies utilisent d\u2019autres crit\u00e8res pour \u00e9valuer votre risque et d\u00e9terminer vos primes. Si une compagnie d\u2019assurance vous refuse une protection, cherchez un autre fournisseur ou un autre type de r\u00e9gime, et vous pourriez trouver la couverture dont vous avez besoin.<\/p>\n

Assurance vie traditionnelle ou assurance vie sans exigence m\u00e9dicale?<\/h3>\n

Si votre admissibilit\u00e9 vous pr\u00e9occupe, vous pourriez \u00eatre int\u00e9ress\u00e9 par une assurance vie sans exigence m\u00e9dicale plut\u00f4t qu\u2019un r\u00e9gime traditionnel.<\/p>\n

L\u2019assurance vie traditionnelle exige souvent une tarification m\u00e9dicale compl\u00e8te. G\u00e9n\u00e9ralement, cela signifie qu\u2019un assureur voudra que vous subissiez un examen m\u00e9dical, qui comprend habituellement le pr\u00e9l\u00e8vement d\u2019\u00e9chantillons de sang et d\u2019urine, ainsi que des questionnaires d\u00e9taill\u00e9s sur vos ant\u00e9c\u00e9dents m\u00e9dicaux et les maladies dont les membres de votre famille biologique ont souffert. De plus, il se peut qu\u2019on vous demande de subir d\u2019autres tests si un probl\u00e8me survient lors de votre examen pr\u00e9liminaire. Tout cela prend du temps \u00e0 organiser et vos r\u00e9sultats prennent encore plus de temps \u00e0 \u00eatre analys\u00e9s. L\u2019ensemble du processus peut parfois prendre plusieurs mois, \u00e0 la fin desquels on pourrait tout de m\u00eame vous refuser la protection.<\/p>\n

L\u2019assurance vie sans exigence m\u00e9dicale n\u2019exige pas les m\u00eames tests m\u00e9dicaux. Il y a habituellement un questionnaire, mais il est g\u00e9n\u00e9ralement moins approfondi et vous pouvez souvent \u00eatre admissible \u00e0 la protection, m\u00eame si vous avez des maladies pr\u00e9existantes. Comme le traitement de votre proposition prend moins de temps, la protection approuv\u00e9e peut prendre effet quelques semaines apr\u00e8s, parfois m\u00eame plus t\u00f4t. Si vos ant\u00e9c\u00e9dents m\u00e9dicaux vous inqui\u00e8tent ou si vous n\u2019aimez tout simplement pas les aiguilles ou les examens, ce type de r\u00e9gime pourrait vous convenir.<\/p>\n

Plan de protection du Canada<\/h3>\n

Plan de protection du Canada est un chef de file en assurance vie sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e. Nous offrons des r\u00e9gimes d\u2019assurance vie temporaire et d\u2019assurance vie permanente adapt\u00e9s \u00e0 votre \u00e9tat de sant\u00e9. Nos r\u00e9gimes vont de l\u2019assurance\u00a0Vie\u00a0Acceptation\u00a0Garantie<\/a>, con\u00e7ue pour les personnes ayant des probl\u00e8mes de sant\u00e9 tr\u00e8s graves, \u00e0 l\u2019assurance\u00a0Vie\u00a0\u00c9lite\u00a0Pr\u00e9f\u00e9rentielle<\/a> pour les proposants en bonne sant\u00e9 qui ont besoin d\u2019une assurance rapidement. Examinez notre gamme compl\u00e8te de polices<\/a> pour trouver celle qui vous convient.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb bg_color=\u00a0\u00bb#f7f5f2″ scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbcenter\u00a0\u00bb translate_y=\u00a0\u00bb20″ overlay_strength=\u00a0\u00bb0.3″ 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-5-percent\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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_row_inner equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbbottom\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1627655190307{border-bottom-width: 1px !important;border-bottom-style: none !important;}\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb centered_text=\u00a0\u00bbtrue\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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″][vc_column_text css=\u00a0\u00bb.vc_custom_1667826862081{padding-top: 10px !important;padding-bottom: 25px !important;}\u00a0\u00bb]\n

\u00cates-vous pr\u00eat \u00e0 aller de l\u2019avant ou avez-vous d\u2019autres questions? Communiquez avec nous d\u00e8s aujourd\u2019hui<\/a> pour parler \u00e0 l\u2019un de nos agents chevronn\u00e9s. Nous sommes heureux de vous aider!<\/h5>\n[\/vc_column_text][\/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″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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″][image_with_animation image_url=\u00a0\u00bb24943″ 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_row_inner][\/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″ overlay_strength=\u00a0\u00bb0.3″ 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″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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″ divider_color=\u00a0\u00bbaccent-color\u00a0\u00bb custom_height=\u00a0\u00bb2″][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb20″][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″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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″][image_with_animation image_url=\u00a0\u00bb26968″ 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″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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″][vc_column_text]\n
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″ 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″ background_hover_color_opacity=\u00a0\u00bb1″ 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″ 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

421243 FR (11\/22)<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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