{"id":1310746,"date":"2022-12-29T06:00:32","date_gmt":"2022-12-29T10:00:32","guid":{"rendered":"https:\/\/www.cpp.ca\/?p=1310746"},"modified":"2022-12-20T15:28:57","modified_gmt":"2022-12-20T19:28:57","slug":"verification-de-ladmissibilite-a-lassurance-vie","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/verification-de-ladmissibilite-a-lassurance-vie\/","title":{"rendered":"V\u00e9rification de l\u2019admissibilit\u00e9 \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&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]La plupart des gens sont admissibles \u00e0 l\u2019assurance vie, mais certains auront plus d\u2019options de fournisseurs et de polices que d\u2019autres. Parler \u00e0 un conseiller en assurance vie peut \u00eatre tr\u00e8s utile pour trouver le bon r\u00e9gime. Il peut vous donner des renseignements sur votre admissibilit\u00e9 et vous aider \u00e0 vous y retrouver sur le march\u00e9 de l\u2019assurance vie. Dans cet article, nous examinerons en profondeur la fa\u00e7on dont les compagnies d\u2019assurance d\u00e9cident des personnes \u00e0 assurer.<\/p>\n<h3>Qu\u2019est-ce qui d\u00e9termine l\u2019admissibilit\u00e9 \u00e0 l\u2019assurance vie?<\/h3>\n<p>L\u2019approbation de votre demande de protection d\u00e9pend des proc\u00e9dures de chaque compagnie, particuli\u00e8rement des crit\u00e8res qu\u2019elle utilise pour \u00e9valuer votre admissibilit\u00e9 et \u00e9tablir vos primes. Les crit\u00e8res les plus courants sont votre \u00e9tat de sant\u00e9, les facteurs li\u00e9s \u00e0 votre mode de vie et ceux li\u00e9s \u00e0 votre profession.<\/p>\n<p>Ces crit\u00e8res sont utilis\u00e9s pour calculer votre esp\u00e9rance de vie en fonction des donn\u00e9es sur les gens ayant les m\u00eames facteurs li\u00e9s \u00e0 la sant\u00e9, au mode de vie et \u00e0 la profession. Bien s\u00fbr, cela ne se veut pas une pr\u00e9diction\u00a0: c\u2019est un outil que la compagnie d\u2019assurance utilise pour d\u00e9terminer le niveau de risque financier qu\u2019elle assume en vous assurant.[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][toggles style=\u00a0\u00bbminimal\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbR\u00e9percussions de votre \u00e9tat de sant\u00e9 sur votre admissibilit\u00e9 \u00e0 l\u2019assurance vie\u00a0\u00bb][vc_column_text]L\u2019incidence de votre \u00e9tat de sant\u00e9 sur votre admissibilit\u00e9 d\u00e9pend de la compagnie d\u2019assurance et de ses proc\u00e9dures et normes d\u2019\u00e9valuation. Il n\u2019existe pas de solution universelle en mati\u00e8re d\u2019assurance vie\u00a0: chaque fournisseur \u00e9value les proposants au cas par cas.<\/p>\n<p>Les gens en bonne sant\u00e9 ont plus d\u2019options d\u2019assurance vie et sont plus susceptibles d\u2019obtenir une approbation. En ce qui concerne certains produits et fournisseurs, vous devrez subir un examen m\u00e9dical et fournir des renseignements d\u00e9taill\u00e9s sur vos ant\u00e9c\u00e9dents m\u00e9dicaux et sur les ant\u00e9c\u00e9dents m\u00e9dicaux de votre famille biologique au premier degr\u00e9.<\/p>\n<p>Cependant, vous n\u2019avez pas besoin d\u2019\u00eatre en parfaite sant\u00e9 pour obtenir une protection\u00a0: pour d\u00e9terminer votre admissibilit\u00e9; un fournisseur d\u2019assurance voudra conna\u00eetre vos probl\u00e8mes de sant\u00e9, leur gravit\u00e9 et les mesures que vous prenez pour g\u00e9rer vos maladies. Si votre probl\u00e8me de sant\u00e9 ne perturbe pas votre vie quotidienne et que vous faites tout ce qu\u2019il faut pour le contr\u00f4ler, il pourrait ne pas nuire \u00e0 vos chances d\u2019obtenir une couverture, m\u00eame si les primes seront plus \u00e9lev\u00e9es dans certains cas. Votre fournisseur pourrait vous demander d\u2019autres examens m\u00e9dicaux avant de vous donner une soumission.<\/p>\n<p>Si vous souffriez auparavant d\u2019une maladie grave dont vous vous \u00eates r\u00e9tabli depuis, vous pourriez obtenir une protection. Votre admissibilit\u00e9 pourrait d\u00e9pendre depuis combien de temps vous n\u2019avez plus de maladie d\u00e9tectable, et encore une fois, d\u2019autres examens pourraient \u00eatre n\u00e9cessaires.<\/p>\n<p>Si vous avez un probl\u00e8me de sant\u00e9 grave, comme une maladie cardiaque ou un cancer, il pourrait \u00eatre plus difficile d\u2019obtenir une approbation, mais l\u2019<a href=\"https:\/\/www.cpp.ca\/fr\/assurance-vie-sans-exigence-medicale\/\" target=\"_blank\" rel=\"noopener\">assurance vie sans exigence m\u00e9dicale<\/a> est une option que vous pouvez envisager. Pour souscrire ce type d\u2019assurance, vous n\u2019avez pas besoin de subir un examen m\u00e9dical, de faire un pr\u00e9l\u00e8vement sanguin, de donner des \u00e9chantillons de fluides corporels ou de remplir de longs questionnaires.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbR\u00e9percussions des facteurs li\u00e9s au mode de vie sur votre admissibilit\u00e9 \u00e0 l\u2019assurance vie\u00a0\u00bb][vc_column_text]Vos habitudes et vos champs d\u2019int\u00e9r\u00eat peuvent avoir des r\u00e9percussions sur votre capacit\u00e9 \u00e0 obtenir une protection. Ceux qui ont habituellement la plus grande incidence sont\u00a0:<\/p>\n<ul>\n<li>La consommation de nicotine, y compris le tabac \u00e0 chiquer et l\u2019utilisation de produits de sevrage tabagiques comme les timbres de nicotine.<\/li>\n<li>La consommation excessive d\u2019alcool.<\/li>\n<li>L\u2019utilisation r\u00e9guli\u00e8re de drogues \u00e0 des fins r\u00e9cr\u00e9atives.<\/li>\n<li>Une conduite dangereuse.<\/li>\n<li>Des passe-temps dangereux comme la sp\u00e9l\u00e9ologie ou la course automobile<\/li>\n<\/ul>\n<p>Parmi celles-ci, la consommation de nicotine est g\u00e9n\u00e9ralement l\u2019habitude qui a la plus grande incidence sur les taux d\u2019assurance. Une compagnie d\u2019assurance vous posera presque toujours des questions sur vos habitudes de consommation de tabac. Si vous songez \u00e0 cesser de fumer, demandez \u00e0 quelques fournisseurs d\u2019assurance si cela vous aidera dans le cadre de votre demande\u00a0: certains pourraient en tenir compte, mais d\u2019autres pourraient exiger une p\u00e9riode d\u2019attente.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbR\u00e9percussions de votre profession sur votre admissibilit\u00e9 \u00e0 l\u2019assurance vie\u00a0\u00bb][vc_column_text]Votre emploi peut avoir des r\u00e9percussions sur votre admissibilit\u00e9 et vos primes de deux fa\u00e7ons\u00a0:<\/p>\n<ul>\n<li>Directement si l\u2019emploi est dangereux. L\u2019\u00e9valuation de la dangerosit\u00e9 d\u2019un emploi est souvent fond\u00e9e sur le nombre de d\u00e9c\u00e8s par rapport au nombre de gens exer\u00e7ant ce m\u00e9tier.<\/li>\n<li>Les professions consid\u00e9r\u00e9es comme les plus dangereuses sont g\u00e9n\u00e9ralement les suivantes\u00a0:\n<ul>\n<li>Emplois dans le domaine des ressources naturelles, comme l\u2019exploitation mini\u00e8re, l\u2019exploitation foresti\u00e8re, la p\u00eache et l\u2019installation de forage p\u00e9trolier.<\/li>\n<li>Emplois dans le domaine de l\u2019aviation, comme pilote ou m\u00e9canicien d\u2019avions.<\/li>\n<li>Services d\u2019urgence, comme les services de police et de lutte contre les incendies.<\/li>\n<li>Les travaux de construction, y compris les travaux de charpentes d\u2019acier, les travaux de toiture et la gestion des chantiers de construction.<\/li>\n<\/ul>\n<\/li>\n<li>Indirectement, sous forme de stress et d\u2019\u00e9puisement professionnel. L\u2019incidence de ces emplois peut \u00eatre constat\u00e9e dans des conditions associ\u00e9e au stress.<\/li>\n<li>Certains emplois ont \u00e9galement des effets cumulatifs n\u00e9fastes. L\u2019exploitation mini\u00e8re, par exemple, pourrait provoquer des maladies pulmonaires par l\u2019accumulation de particules dans les poumons au fil du temps.<\/li>\n<\/ul>\n<p>Vous vous demandez si votre emploi dangereux est d\u00e9j\u00e0 assorti d\u2019une assurance vie? De nombreux employeurs offrent une assurance vie dans le cadre de leurs programmes d\u2019avantages sociaux. Pourtant, de nos jours, de plus en plus de gens occupent un travail de jour, \u00e0 temps partiel ou \u00e0 titre contractuel, o\u00f9 l\u2019assurance vie n\u2019est habituellement pas offerte. C\u2019est une bonne id\u00e9e de v\u00e9rifier le montant de protection que vous avez aupr\u00e8s de votre employeur et ce dont vous pourriez avoir besoin pour combler cet \u00e9cart.<\/p>\n<p><strong style=\"font-weight: bold;\">Remarque importante\u00a0: <\/strong>Soyez honn\u00eate et donnez tous les renseignements \u00e0 votre sujet lorsque vous souscrivez une assurance vie. Si vous fumez seulement lors d\u2019activit\u00e9s sociales, vous \u00eates probablement encore consid\u00e9r\u00e9 comme un fumeur et votre proposition devrait en tenir compte. Si vous ne dites pas la v\u00e9rit\u00e9 lorsque vous remplissez un questionnaire, votre protection risque d\u2019\u00eatre annul\u00e9e si une demande de r\u00e8glement est pr\u00e9sent\u00e9e. Non seulement vous perdrez probablement vos primes, mais vous laisserez votre famille sans protection financi\u00e8re si vous d\u00e9c\u00e9dez.[\/vc_column_text][\/toggle][\/toggles][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h3>Conclusion<\/h3>\n<p>Souscrire une assurance vie peut \u00eatre difficile, chronophage et parfois intimidant, mais ne d\u00e9sesp\u00e9rez pas! Faites des recherches et trouvez un fournisseur d\u2019assurance avec lequel vous pouvez traiter.<\/p>\n<p>Si vous \u00eates difficile \u00e0 assurer en raison de facteurs m\u00e9dicaux ou de facteurs li\u00e9s au mode de vie, songez \u00e0 souscrire une police aupr\u00e8s de Plan de protection du Canada. Toutes nos polices sont offertes sans aucune exigence m\u00e9dicale, ce qui signifie que vous n\u2019aurez pas \u00e0 subir d\u2019examen m\u00e9dical ou de test. L\u2019approbation est aussi plus rapide avec nos r\u00e9gimes, car le processus n\u2019est pas retard\u00e9 par l\u2019attente des r\u00e9sultats des tests et des \u00e9valuations.[\/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&Prime; scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbcenter\u00a0\u00bb translate_y=\u00a0\u00bb20&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\u00bbpadding-5-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\/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_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&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 css=\u00a0\u00bb.vc_custom_1671476473754{padding-top: 10px !important;padding-bottom: 20px !important;}\u00a0\u00bb]\n<h5 style=\"text-align: left;\">Si vous avez des questions sur nos polices, communiquez avec l\u2019un de nos <a style=\"font-weight: bold;\" href=\"https:\/\/www.cpp.ca\/fr\/communiquez-avec-nous\/\" target=\"_blank\" rel=\"noopener noreferrer\">conseillers en assurance autoris\u00e9s.<\/a> Nous sommes l\u00e0 pour vous aider \u00e0 obtenir la protection dont vous avez besoin au moment o\u00f9 vous en avez besoin.<\/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&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\u00bb24943&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_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&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;\">BLG-DRAFT<\/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]La plupart des gens sont admissibles \u00e0 l\u2019assurance&#8230;<\/p>\n","protected":false},"author":120,"featured_media":1310755,"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-1310746","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\/ 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