{"id":1310881,"date":"2023-01-10T06:00:07","date_gmt":"2023-01-10T10:00:07","guid":{"rendered":"https:\/\/www.cpp.ca\/non-classifiee\/life-insurance-as-a-crucial-part-of-estate-planning\/"},"modified":"2023-10-27T10:58:30","modified_gmt":"2023-10-27T14:58:30","slug":"lassurance-vie-dans-le-cadre-de-la-planification-successorale","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/lassurance-vie-dans-le-cadre-de-la-planification-successorale\/","title":{"rendered":"L\u2019assurance vie, un \u00e9l\u00e9ment essentiel de la planification successorale"},"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<h4>La planification successorale n\u2019est pas r\u00e9serv\u00e9e aux personnes riches\u202f: tout ce que vous poss\u00e9dez fait partie de votre succession lorsque vous d\u00e9c\u00e9dez, y compris votre compte d\u2019\u00e9pargne, votre voiture et votre collection de souvenirs de baseball.<\/h4>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb35&Prime;][vc_column_text]Commencez \u00e0 planifier votre succession d\u00e8s maintenant pour vous assurer que votre patrimoine accumul\u00e9 est transf\u00e9r\u00e9 aux personnes et aux organisations de votre choix. Le recours \u00e0 l\u2019assurance vie dans le cadre de votre plan peut r\u00e9duire l\u2019imp\u00f4t et fournir \u00e0 votre famille les fonds n\u00e9cessaires pour couvrir vos d\u00e9penses finales.[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h3>Qu\u2019est-ce que la planification successorale?<\/h3>\n<p>La planification successorale consiste \u00e0 d\u00e9terminer comment votre actif sera r\u00e9parti apr\u00e8s votre d\u00e9c\u00e8s. Une partie de cette planification consiste \u00e0 r\u00e9duire au minimum l\u2019imp\u00f4t \u00e0 payer sur votre succession et \u00e0 veiller \u00e0 ce que le patrimoine que vous transf\u00e9rez \u00e0 vos b\u00e9n\u00e9ficiaires n\u2019ait pas d\u2019obligations financi\u00e8res. La planification financi\u00e8re comprend un \u00e9ventail de t\u00e2ches, dont les suivantes\u202f:<\/p>\n<ul>\n<li>R\u00e9diger un testament pour que votre actif soit transf\u00e9r\u00e9 aux personnes et aux organisations de votre choix.<\/li>\n<li>D\u00e9signer un liquidateur pour votre succession.<\/li>\n<li>D\u00e9signer un tuteur pour vos enfants mineurs.<\/li>\n<li>Planifier votre service comm\u00e9moratif.<\/li>\n<li>Planifier la protection de votre actif contre l\u2019imp\u00f4t et d\u2019autres obligations.<\/li>\n<\/ul>\n<h3>Quel est le r\u00f4le de l\u2019assurance vie dans la planification successorale?<\/h3>\n<p>Vous pensez peut-\u00eatre que l\u2019assurance vie n\u2019est qu\u2019un moyen de fournir un soutien financier \u00e0 vos b\u00e9n\u00e9ficiaires, mais elle peut jouer un r\u00f4le important dans la planification successorale. Voyons quelques-uns des autres avantages de l\u2019assurance vie \u00e0 cette fin\u202f:[\/vc_column_text][toggles style=\u00a0\u00bbminimal\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbPayer les d\u00e9penses imm\u00e9diates.\u00a0\u00bb][vc_column_text]\u00c0 votre d\u00e9c\u00e8s, votre famille pourrait avoir besoin d\u2019argent pour couvrir les frais li\u00e9s \u00e0 vos fun\u00e9railles. M\u00eame un service comm\u00e9moratif peu co\u00fbteux peut co\u00fbter environ 15\u202f000\u202f$, et votre famille devra maintenir vos paiements hypoth\u00e9caires et de pr\u00eat, vos factures de services publics, et ainsi de suite. Le versement d\u2019une prestation de d\u00e9c\u00e8s au titre d\u2019une assurance vie n\u2019a pas besoin d\u2019\u00eatre imm\u00e9diatement remis aux cr\u00e9anciers ou de faire l\u2019objet d\u2019une homologation; votre famille pourrait donc recevoir l\u2019argent plus rapidement.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbFaire en sorte que votre entreprise puisse poursuivre ses activit\u00e9s.\u00a0\u00bb][vc_column_text]Si votre famille souhaite poursuivre vos activit\u00e9s apr\u00e8s votre d\u00e9c\u00e8s, elle pourrait avoir besoin de plus d\u2019argent le temps de s\u2019\u00e9tablir. Si vous poss\u00e9dez une entreprise avec quelqu\u2019un d\u2019autre, vous voudrez peut-\u00eatre que votre partenaire d\u2019affaires soit en mesure d\u2019acheter votre part de la soci\u00e9t\u00e9. D\u00e9signer votre partenaire d\u2019affaires comme b\u00e9n\u00e9ficiaire d\u2019une police d\u2019assurance vie est un moyen facile d\u2019y parvenir.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbCouverture des frais d\u2019homologation.\u00a0\u00bb][vc_column_text]Certains des biens que vous d\u00e9teniez \u00e0 votre d\u00e9c\u00e8s pourraient devoir faire l\u2019objet d\u2019une homologation pour \u00eatre distribu\u00e9s \u00e0 vos h\u00e9ritiers. Si des frais d\u2019homologation sont exigibles, votre b\u00e9n\u00e9ficiaire pourrait les payer \u00e0 m\u00eame votre prestation de d\u00e9c\u00e8s au titre de l\u2019assurance vie.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbFaciliter les dons de bienfaisance.\u00a0\u00bb][vc_column_text]La d\u00e9signation d\u2019un organisme de bienfaisance comme b\u00e9n\u00e9ficiaire d\u2019une police d\u2019assurance vie peut permettre \u00e0 l\u2019organisme de recevoir la prestation de d\u00e9c\u00e8s en franchise d\u2019imp\u00f4t.[\/vc_column_text][\/toggle][\/toggles][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h3>En quoi les polices d\u2019assurance de survie sont-elles utiles?<\/h3>\n<p>Les polices d\u2019assurance de survie sont des polices conjointes qui couvrent deux personnes, g\u00e9n\u00e9ralement un couple. Elles constituent une solution de rechange aux polices d\u2019assurance vie individuelles distinctes, et la prestation de d\u00e9c\u00e8s n\u2019est vers\u00e9e qu\u2019apr\u00e8s le d\u00e9c\u00e8s des deux personnes.<\/p>\n<p>Ce type d\u2019assurance, aussi appel\u00e9e police d\u2019assurance vie conjointe payable au dernier d\u00e9c\u00e8s, vise \u00e0 fournir un versement important pour couvrir les frais et l\u2019imp\u00f4t exigibles d\u2019une succession lorsque ses b\u00e9n\u00e9ficiaires en h\u00e9ritent.<\/p>\n<p>Une solution de rechange consiste \u00e0 souscrire des polices d\u2019assurance vie distinctes, chaque personne d\u00e9signant l\u2019autre partenaire comme b\u00e9n\u00e9ficiaire. Dans le cadre de cette entente, le conjoint survivant re\u00e7oit la prestation de d\u00e9c\u00e8s au titre de l\u2019assurance vie au d\u00e9c\u00e8s de son conjoint.<\/p>\n<h3>Conclusion<\/h3>\n<p>La planification successorale est complexe, mais elle peut \u00eatre plus facile \u00e0 g\u00e9rer si vous l\u2019abordez avec d\u00e9termination. Votre situation peut changer, tout comme les besoins financiers de votre famille. Commencez t\u00f4t pour faciliter l\u2019ensemble du processus et prenez l\u2019habitude de penser au bien-\u00eatre de vos proches apr\u00e8s votre d\u00e9c\u00e8s.<\/p>\n<p>Le recours \u00e0 l\u2019assurance vie dans le cadre de votre planification successorale peut contribuer \u00e0 faire en sorte que vos h\u00e9ritiers profitent des biens que vous laissez derri\u00e8re vous.<\/p>\n<p>En tant que principal fournisseur d\u2019<a href=\"https:\/\/www.cpp.ca\/fr\/assurance-vie-sans-exigence-medicale\/\" target=\"_blank\" rel=\"noopener\">assurance vie sans exigence m\u00e9dicale<\/a> au Canada, Plan de protection du Canada offre de l\u2019assurance vie qui pourrait r\u00e9pondre \u00e0 vos besoins en mati\u00e8re de planification successorale. Nos polices sont con\u00e7ues pour les personnes qui ont des probl\u00e8mes de sant\u00e9 pr\u00e9existants et qui n\u2019aiment pas les aiguilles ou les examens m\u00e9dicaux intrusifs, ou qui veulent obtenir une couverture rapidement. Nous offrons une gamme de polices d\u2019assurance temporaire et permanente qui r\u00e9pondent \u00e0 tous vos besoins en mati\u00e8re d\u2019assurance. <a href=\"https:\/\/www.cpp.ca\/fr\/communiquez-avec-nous\/\" target=\"_blank\" rel=\"noopener\">Appelez l\u2019un de nos conseillers autoris\u00e9s aujourd\u2019hui<\/a> pour discuter de la fa\u00e7on dont vous pouvez obtenir une assurance vie dans le cadre de votre planification successorale.\u00a0[\/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<div><\/div>\n<div style=\"font-size: 13px; line-height: 18px;\">Plan de protection du Canada (\u00ab PPC \u00bb), la Financi\u00e8re Foresters, leurs employ\u00e9s et leurs repr\u00e9sentants en assurance vie ne fournissent pas, au nom de Plan de protection du Canada ou de la Financi\u00e8re Foresters, de conseils financiers, successoraux, juridiques ou fiscaux. Les renseignements fournis ici ne sont qu\u2019un r\u00e9sum\u00e9 de notre compr\u00e9hension des lois et r\u00e8glements en vigueur. Les clients et les acheteurs potentiels doivent consulter leur conseiller financier, successoral, fiscal ou juridique au sujet de leur situation.<\/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;\">421498 FR (01\/23)<\/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 planification successorale n\u2019est pas r\u00e9serv\u00e9e aux&#8230;<\/p>\n","protected":false},"author":120,"featured_media":1310888,"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-1310881","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>L\u2019assurance vie dans le cadre de la planification successorale | CPP.ca<\/title>\n<meta name=\"description\" content=\"Plan de protection du Canada vous enseigne l\u2019importance de l\u2019assurance vie dans le cadre de la planification successorale. 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