{"id":1311264,"date":"2023-02-21T06:00:32","date_gmt":"2023-02-21T10:00:32","guid":{"rendered":"https:\/\/www.cpp.ca\/non-classifiee\/understanding-the-cost-of-life-insurance\/"},"modified":"2023-02-16T17:43:33","modified_gmt":"2023-02-16T21:43:33","slug":"comprendre-le-cout-de-lassurance-vie","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/","title":{"rendered":"Comprendre le co\u00fbt de l\u2019assurance\u202fvie"},"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>Les primes d\u2019assurance\u202fvie au Canada varient grandement en fonction de l\u2019\u00e2ge, du sexe et des habitudes de vie. Par exemple, une femme de 30\u202fans qui ne fume pas pourrait payer 13\u202f$ par mois par tranche de 100\u202f000\u202f$ de protection, tandis qu\u2019un homme de 60\u202fans qui a toujours fum\u00e9 pourrait payer 10\u202ffois plus.<\/h4>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb35&Prime;][vc_column_text]Vous demandez-vous si vous pouvez vous permettre l\u2019assurance\u202fvie? Poursuivez votre lecture pour d\u00e9couvrir ce qui entre dans l\u2019\u00e9tablissement des prix des produits d\u2019assurance, ce qui a une incidence sur vos primes et ce que vous pouvez faire pour r\u00e9duire les co\u00fbts pour vous.<\/p>\n<h3>Comment les taux de l\u2019assurance vie sont \u00e9tablis<\/h3>\n<p>L\u2019assurance\u202fvie est une question de gestion des risques, ainsi que d\u2019estimation et d&rsquo;att\u00e9nuation des risques. Les deux parties \u00e0 un contrat d\u2019assurance tentent d\u2019estimer et d\u2019att\u00e9nuer le risque financier auquel elles sont expos\u00e9es en tout temps. [\/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\u00bbRisque pour les particuliers\u00a0\u00bb][vc_column_text]Les particuliers font face \u00e0 toute sorte de risques financiers \u00e0 mesure qu\u2019ils vieillissent. S\u2019ils ont une famille, leur exposition au risque est plus grande, car un plus grand nombre de personnes d\u00e9pendent de leur revenu. Voici quelques-uns des risques financiers courants auxquels font face les particuliers\u202f:<\/p>\n<ul>\n<li><strong>R\u00e9mun\u00e9ration variable\u202f:<\/strong> votre salaire pourrait \u00eatre affect\u00e9 par des \u00e9v\u00e9nements ind\u00e9pendants de votre volont\u00e9.<\/li>\n<li><strong>D\u00e9c\u00e8s pr\u00e9matur\u00e9\u202f:<\/strong> si vous d\u00e9c\u00e9dez alors que vous \u00eates jeune, votre r\u00e9mun\u00e9ration prendra \u00e9galement fin et votre famille ne profitera pas de ce que vous auriez gagn\u00e9 au cours des ann\u00e9es suivantes.<\/li>\n<li><strong>Long\u00e9vit\u00e9\u202f:<\/strong> si vous vivez plus longtemps que pr\u00e9vu, vous pourriez \u00e9puiser votre \u00e9pargne-retraite.<\/li>\n<li><strong>Probl\u00e8mes de sant\u00e9\u202f:<\/strong> votre sant\u00e9 pourrait \u00eatre affect\u00e9e d\u2019une mani\u00e8re qui nuirait \u00e0 votre capacit\u00e9 de gagner un revenu.<\/li>\n<\/ul>\n<p>L\u2019assurance est un outil essentiel que les particuliers peuvent utiliser pour r\u00e9duire les risques. Cependant, payer un prix trop \u00e9lev\u00e9 pour l\u2019assurance grugerait une part de leur r\u00e9mun\u00e9ration, ce qui augmenterait le risque qu\u2019ils courent plut\u00f4t que de le r\u00e9duire. [\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbRisque pour les compagnies d\u2019assurance\u00a0\u00bb][vc_column_text]Les fournisseurs d\u2019assurance font \u00e9galement face \u00e0 un risque financier consid\u00e9rable. Pour eux, il est plus risqu\u00e9 d\u2019assurer une personne ayant des affections m\u00e9dicales pr\u00e9existantes que d\u2019assurer une personne en tr\u00e8s bonne sant\u00e9 si tous les autres aspects sont les m\u00eames. Ils utilisent les donn\u00e9es historiques pour estimer l\u2019esp\u00e9rance de vie en fonction de caract\u00e9ristiques pr\u00e9cises, des affections m\u00e9dicales et des habitudes de vie. Ils augmentent le prix de leurs produits s\u2019il y a plus de chances qu\u2019une personne de votre profil d\u00e9c\u00e8de pendant que la police est en vigueur.[\/vc_column_text][\/toggle][\/toggles][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]Les consommateurs souhaitent r\u00e9duire leurs risques en ayant suffisamment d\u2019assurance pour r\u00e9pondre \u00e0 leurs besoins tout en payant la prime la moins \u00e9lev\u00e9e possible pour la protection, alors que les fournisseurs d\u2019assurance\u202fvie essaient de r\u00e9duire leurs risques en \u00e9tablissant le prix de leurs produits de mani\u00e8re \u00e0 gagner de l\u2019argent plut\u00f4t que d\u2019en perdre.<\/p>\n<h3>Facteurs qui influencent l\u2019\u00e9tablissement des prix de l\u2019assurance\u202fvie<\/h3>\n<p>Comme nous l\u2019avons vu plus haut, les compagnies d\u2019assurance\u202fvie utilisent une combinaison de facteurs pour d\u00e9terminer le co\u00fbt de l\u2019assurance\u202fvie. Ces facteurs entrent dans deux cat\u00e9gories\u202f: les facteurs personnels li\u00e9s \u00e0 la personne et les caract\u00e9ristiques des polices d\u2019assurance. [\/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\u00bbFacteurs personnels\u00a0\u00bb][vc_column_text]\n<ul>\n<li><strong>\u00c2ge\u202f:<\/strong> plus la personne est \u00e2g\u00e9e, plus ses primes seront \u00e9lev\u00e9es, car il y a de plus de chances qu\u2019elle d\u00e9c\u00e8de pendant que sa police est en vigueur. L\u2019\u00e2ge est le facteur le plus important pour d\u00e9terminer la prime d\u2019assurance.<\/li>\n<li><strong>Sexe\u202f: <\/strong>en r\u00e8gle g\u00e9n\u00e9rale, les hommes paient des taux plus \u00e9lev\u00e9s que les femmes parce que leur esp\u00e9rance de vie a tendance \u00e0 \u00eatre plus courte. Les femmes paient g\u00e9n\u00e9ralement de 10\u202f% \u00e0 25\u202f% de moins que les hommes.<\/li>\n<li><strong>Tabagisme\u202f:<\/strong> il s\u2019agit d\u2019un facteur de risque pour de nombreuses maladies mettant la vie en danger. Il double habituellement le co\u00fbt de l\u2019assurance\u202fvie. Le tabagisme comprend le vapotage, le tabac \u00e0 chiquer et les timbres de sevrage tabagique.<\/li>\n<li><strong>\u00c9tat de sant\u00e9\u202f:<\/strong> la compagnie d\u2019assurance voudra en savoir plus sur vos affections pr\u00e9existantes comme le diab\u00e8te et les maladies cardiovasculaires, les m\u00e9dicaments que vous prenez et d\u2019autres aspects de votre sant\u00e9 comme votre indice de masse corporelle (IMC), votre tension art\u00e9rielle et votre taux de cholest\u00e9rol. Certains contrats d\u2019assurance ne demandent pas de renseignements m\u00e9dicaux. Si ce type de r\u00e9gime vous int\u00e9resse, recherchez des compagnies qui offrent une <a href=\"https:\/\/www.cpp.ca\/fr\/assurance-vie-sans-exigence-medicale\/\" target=\"_blank\" rel=\"noopener\">assurance\u202fvie sans exigence m\u00e9dicale ou \u00e0 \u00e9mission simplifi\u00e9e<\/a>.<\/li>\n<li><strong>Ant\u00e9c\u00e9dents m\u00e9dicaux familiaux\u202f:<\/strong> toute maladie qui tend \u00e0 affecter les membres de votre famille entra\u00eenera une augmentation de vos primes. Par cons\u00e9quent, les proposants doivent r\u00e9pondre \u00e0 des questions sur leurs ant\u00e9c\u00e9dents m\u00e9dicaux familiaux dans leur proposition d\u2019assurance\u202fvie.<\/li>\n<li><strong>Profession et passe-temps\u202f:<\/strong> occuper un emploi dangereux, comme la r\u00e9paration de c\u00e2bles en hauteur, l\u2019exploitation foresti\u00e8re ou la p\u00eache, rendra votre couverture plus co\u00fbteuse, tout comme les loisirs dangereux comme l\u2019alpinisme et le parachutisme.<\/li>\n<\/ul>\n<p>Les compagnies d\u2019assurance vie vous proposeront habituellement un taux \u00e9tabli en fonction de vos renseignements pr\u00e9liminaires, puis rajusteront le taux \u00e0 mesure qu\u2019elles recevront de plus amples renseignements de votre part. [\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbFacteurs li\u00e9s \u00e0 la police\u00a0\u00bb][vc_column_text]\n<ul>\n<li><strong>Le capital assur\u00e9 de votre police\u202f:<\/strong> plus le capital assur\u00e9 est \u00e9lev\u00e9, plus la prime est \u00e9lev\u00e9e.<\/li>\n<li><strong>Le type de police\u202f:<\/strong> <a href=\"https:\/\/www.cpp.ca\/fr\/blogue\/assurance-vie-temporaire-et-assurance-vie-entiere-quelle-couverture-dassurance-vous-convient-le-mieux\/\" target=\"_blank\" rel=\"noopener\">les polices d\u2019assurance\u202fvie temporaire sont moins ch\u00e8res que les polices d\u2019assurance\u202fvie permanente ou enti\u00e8re<\/a>, car le titulaire peut vivre au-del\u00e0 de l\u2019\u00e9ch\u00e9ance, surtout s\u2019il est jeune.<\/li>\n<li><strong>La dur\u00e9e\u202f:<\/strong> l\u2019assurance temporaire couvrant une p\u00e9riode plus longue co\u00fbte plus cher que la m\u00eame police couvrant une p\u00e9riode plus courte.<\/li>\n<li><strong>Les options\u202f:<\/strong> il est possible de transformer ou de renouveler certaines polices, ce qui peut en faire augmenter les primes.<\/li>\n<\/ul>\n<p>Diff\u00e9rents fournisseurs utilisent des crit\u00e8res et des formules l\u00e9g\u00e8rement diff\u00e9rents pour calculer vos primes. Il peut donc \u00eatre judicieux de magasiner pour obtenir le meilleur taux. La plupart des fournisseurs offrent des soumissions gratuites, et bon nombre d\u2019entre eux ont des outils de soumission en ligne que vous pouvez utiliser pour vous faire une id\u00e9e des taux que vous paierez. [\/vc_column_text][\/toggle][\/toggles][vc_column_text]\n<h3>Exemples de taux d\u2019assurance\u202fvie<\/h3>\n<p>Ces exemples de taux de primes mensuelles ne sont donn\u00e9s qu\u2019\u00e0 titre indicatif. Communiquez avec votre fournisseur d\u2019assurance pour conna\u00eetre les taux r\u00e9els.<\/p>\n<table data-tablestyle=\"MsoTableGrid\" data-tablelook=\"1184\" aria-rowcount=\"7\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"4369\"><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td colspan=\"4\" data-celllook=\"4096\"><b><span data-contrast=\"auto\">Primes mensuelles d\u2019assurance\u202fvie <\/span><\/b><b><i><span data-contrast=\"auto\">temporaire<\/span><\/i><\/b><b><span data-contrast=\"auto\"> d\u2019une dur\u00e9e de 20\u202fans\u202f: <\/span><\/b><br \/>\n<b><span data-contrast=\"auto\">Capital assur\u00e9 de 50\u202f000\u202f$<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"4369\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td colspan=\"2\" data-celllook=\"4096\"><b><span data-contrast=\"auto\">Proposant de sexe masculin<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td colspan=\"2\" data-celllook=\"0\"><b><span data-contrast=\"auto\">Proposante de sexe f\u00e9minin<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">\u00c2ge<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Fumeur<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Non-fumeur<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Fumeuse<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Non-fumeuse<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">30<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">9,55\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">12,42\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">9,32\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">12,06\u202f$\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"5\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">40<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">11,74\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">20,88\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">11,67\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">19,53\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"6\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">50<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">21,01\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">49,86\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">20,25\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">31,90\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"7\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">60<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">58,00\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">121,86\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">44,55\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">75,19\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table data-tablestyle=\"MsoTableGrid\" data-tablelook=\"1184\" aria-rowcount=\"7\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"4369\"><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td colspan=\"4\" data-celllook=\"4096\"><b><span data-contrast=\"auto\">Primes mensuelles d\u2019assurance\u202fvie <\/span><\/b><b><i><span data-contrast=\"auto\">permanente <\/span><\/i><\/b><b><span data-contrast=\"auto\">d\u2019une dur\u00e9e de 20\u202fans\u202f: <\/span><\/b><br \/>\n<b><span data-contrast=\"auto\">Capital assur\u00e9 de 50\u202f000\u202f$<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"4369\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td colspan=\"2\" data-celllook=\"4096\"><b><span data-contrast=\"auto\">Proposant de sexe masculin<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td colspan=\"2\" data-celllook=\"0\"><b><span data-contrast=\"auto\">Proposante de sexe f\u00e9minin<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">\u00c2ge<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Fumeur<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Non-fumeur\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Fumeuse<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">Non-fumeuse<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">30<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">33,42\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">44,71\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">29,68\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">35,57\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"5\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">40<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">50,17\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">72,19\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">42,29\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">54,67\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"6\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">50<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">77,49\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">123,99\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">68,50\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">85,71\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"7\">\n<td data-celllook=\"0\"><b><span data-contrast=\"none\">60<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">137,41\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"none\">225,49\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">112,86\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">156,21\u202f$<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:259}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>R\u00e9duire le co\u00fbt de l\u2019assurance\u202fvie<\/h3>\n<p>Il existe plusieurs fa\u00e7ons de r\u00e9duire le co\u00fbt de l\u2019assurance\u202fvie.<\/p>\n<ul>\n<li>Souscrire l\u2019assurance tant que vous \u00eates jeune. Si vous souscrivez une police dont les primes n\u2019augmentent pas, vous pouvez obtenir un excellent taux garanti.<\/li>\n<li>Arr\u00eater de fumer. Vous devez avoir cess\u00e9 la consommation de nicotine depuis au moins 12\u202fmois pour pr\u00e9senter une proposition \u00e0 titre de non-fumeur.<\/li>\n<li>Adopter un mode de vie plus sain. Un certain temps peut \u00eatre n\u00e9cessaire avant de constater des effets positifs sur votre sant\u00e9, mais une proposition d\u2019assurance qui n\u00e9cessite un examen m\u00e9dical complet peut faire toute la diff\u00e9rence.<\/li>\n<li>Souscrire une assurance\u202fvie temporaire plut\u00f4t que permanente. Vous devez faire preuve de prudence, car votre choix de police devrait d\u00e9pendre principalement des raisons pour lesquelles vous souscrivez l\u2019assurance.<\/li>\n<\/ul>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h3>Conclusion<\/h3>\n<p>Il n\u2019existe pas deux\u202fproposants d\u2019assurance vie identiques. C\u2019est pourquoi les prix des polices d\u2019assurance varient autant. D\u00e9terminez d\u2019abord le type d\u2019assurance dont vous avez besoin et, si vous souscrivez une assurance temporaire, la dur\u00e9e qui vous convient le mieux, \u00e0 vous et \u00e0 votre famille.<\/p>\n<p>Plan de protection du Canada offre une gamme de produits d\u2019<a href=\"https:\/\/www.cpp.ca\/fr\/assurance-vie-sans-exigence-medicale\/\" target=\"_blank\" rel=\"noopener\">assurance\u202fvie temporaire et permanente<\/a>. Nos r\u00e9gimes ne pr\u00e9voient aucune exigence m\u00e9dicale. Ils conviennent donc parfaitement aux personnes qui ont des affections pr\u00e9existantes, mais aussi aux proposants qui ne veulent pas subir d\u2019examen m\u00e9dical, donner des \u00e9chantillons de fluides corporels ou r\u00e9pondre \u00e0 de longs questionnaires. \u00c9tant donn\u00e9 que le processus de tarification est simplifi\u00e9, vous pourriez obtenir une protection en seulement une semaine.<\/p>\n<p>Utilisez notre <a href=\"https:\/\/www.cpp.ca\/fr\/soumission-dassurance\/\" target=\"_blank\" rel=\"noopener\">outil de soumission rapide<\/a> pour obtenir une estimation de vos primes pour nos r\u00e9gimes. <a href=\"https:\/\/www.cpp.ca\/fr\/communiquez-avec-nous\/\" target=\"_blank\" rel=\"noopener\">Communiquez avec nous<\/a> si vous souhaitez discuter de vos besoins en mati\u00e8re d\u2019assurance. L\u2019un de nos conseillers en assurance autoris\u00e9s vous guidera dans le processus li\u00e9 \u00e0 nos r\u00e9gimes et vous aidera \u00e0 trouver celui qui vous convient le mieux. [\/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;\">421598 FR (02\/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] Les primes d\u2019assurance\u202fvie au Canada varient grandement&#8230;<\/p>\n","protected":false},"author":120,"featured_media":1311289,"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-1311264","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>Comprendre le co\u00fbt de l\u2019assurance\u202fvie | Plan de protection du Canada<\/title>\n<meta name=\"description\" content=\"Plan de protection du Canada pr\u00e9sente les tenants et aboutissants afin de nous aider \u00e0 comprendre le co\u00fbt de l\u2019assurance\u202fvie et la fa\u00e7on dont les taux sont d\u00e9termin\u00e9s.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprendre le co\u00fbt de l\u2019assurance\u202fvie | Plan de protection du Canada\" \/>\n<meta property=\"og:description\" content=\"Plan de protection du Canada pr\u00e9sente les tenants et aboutissants afin de nous aider \u00e0 comprendre le co\u00fbt de l\u2019assurance\u202fvie et la fa\u00e7on dont les taux sont d\u00e9termin\u00e9s.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/\" \/>\n<meta property=\"og:site_name\" content=\"Plan de protection du Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CanadaProtectionPlan\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-21T10:00:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cpp.ca\/wp-content\/uploads\/2023\/02\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Andrew Mcloughlin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@CanadaProtPlan\" \/>\n<meta name=\"twitter:site\" content=\"@CanadaProtPlan\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Andrew Mcloughlin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/\"},\"author\":{\"name\":\"Andrew Mcloughlin\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#\\\/schema\\\/person\\\/135b4a2a30df2d350d8c4f3eed84ac39\"},\"headline\":\"Comprendre le co\u00fbt de l\u2019assurance\u202fvie\",\"datePublished\":\"2023-02-21T10:00:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/\"},\"wordCount\":2182,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cpp.ca\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg\",\"articleSection\":[\"Blogue\",\"Conseillers\",\"News\",\"Patriculiers\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/\",\"url\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/\",\"name\":\"Comprendre le co\u00fbt de l\u2019assurance\u202fvie | Plan de protection du Canada\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cpp.ca\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg\",\"datePublished\":\"2023-02-21T10:00:32+00:00\",\"description\":\"Plan de protection du Canada pr\u00e9sente les tenants et aboutissants afin de nous aider \u00e0 comprendre le co\u00fbt de l\u2019assurance\u202fvie et la fa\u00e7on dont les taux sont d\u00e9termin\u00e9s.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cpp.ca\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cpp.ca\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg\",\"width\":1200,\"height\":628},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/blogue\\\/comprendre-le-cout-de-lassurance-vie\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comprendre le co\u00fbt de l\u2019assurance\u202fvie\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/\",\"name\":\"Plan de protection du Canada\",\"description\":\"Assurance vie sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#organization\",\"name\":\"Canada Protection Plan\",\"url\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cpp.ca\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/CPP_Logo_2016_Digital-E-3.png\",\"contentUrl\":\"https:\\\/\\\/www.cpp.ca\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/CPP_Logo_2016_Digital-E-3.png\",\"width\":544,\"height\":457,\"caption\":\"Canada Protection Plan\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CanadaProtectionPlan\\\/\",\"https:\\\/\\\/x.com\\\/CanadaProtPlan\",\"https:\\\/\\\/www.instagram.com\\\/canadaprotectionplan\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/canada-protection-plan\\\/\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/CanadaProtectionPlan\",\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Canada_Protection_Plan\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cpp.ca\\\/fr\\\/#\\\/schema\\\/person\\\/135b4a2a30df2d350d8c4f3eed84ac39\",\"name\":\"Andrew Mcloughlin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7aebc4eb6d07a1e794b339a13a7e1b6347dd414369452802f61d00b5dd596f12?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7aebc4eb6d07a1e794b339a13a7e1b6347dd414369452802f61d00b5dd596f12?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7aebc4eb6d07a1e794b339a13a7e1b6347dd414369452802f61d00b5dd596f12?s=96&d=mm&r=g\",\"caption\":\"Andrew Mcloughlin\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comprendre le co\u00fbt de l\u2019assurance\u202fvie | Plan de protection du Canada","description":"Plan de protection du Canada pr\u00e9sente les tenants et aboutissants afin de nous aider \u00e0 comprendre le co\u00fbt de l\u2019assurance\u202fvie et la fa\u00e7on dont les taux sont d\u00e9termin\u00e9s.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/","og_locale":"fr_CA","og_type":"article","og_title":"Comprendre le co\u00fbt de l\u2019assurance\u202fvie | Plan de protection du Canada","og_description":"Plan de protection du Canada pr\u00e9sente les tenants et aboutissants afin de nous aider \u00e0 comprendre le co\u00fbt de l\u2019assurance\u202fvie et la fa\u00e7on dont les taux sont d\u00e9termin\u00e9s.","og_url":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/","og_site_name":"Plan de protection du Canada","article_publisher":"https:\/\/www.facebook.com\/CanadaProtectionPlan\/","article_published_time":"2023-02-21T10:00:32+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2023\/02\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg","type":"image\/jpeg"}],"author":"Andrew Mcloughlin","twitter_card":"summary_large_image","twitter_creator":"@CanadaProtPlan","twitter_site":"@CanadaProtPlan","twitter_misc":{"\u00c9crit par":"Andrew Mcloughlin","Estimation du temps de lecture":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#article","isPartOf":{"@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/"},"author":{"name":"Andrew Mcloughlin","@id":"https:\/\/www.cpp.ca\/fr\/#\/schema\/person\/135b4a2a30df2d350d8c4f3eed84ac39"},"headline":"Comprendre le co\u00fbt de l\u2019assurance\u202fvie","datePublished":"2023-02-21T10:00:32+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/"},"wordCount":2182,"publisher":{"@id":"https:\/\/www.cpp.ca\/fr\/#organization"},"image":{"@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2023\/02\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg","articleSection":["Blogue","Conseillers","News","Patriculiers"],"inLanguage":"fr-CA"},{"@type":"WebPage","@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/","url":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/","name":"Comprendre le co\u00fbt de l\u2019assurance\u202fvie | Plan de protection du Canada","isPartOf":{"@id":"https:\/\/www.cpp.ca\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#primaryimage"},"image":{"@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2023\/02\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg","datePublished":"2023-02-21T10:00:32+00:00","description":"Plan de protection du Canada pr\u00e9sente les tenants et aboutissants afin de nous aider \u00e0 comprendre le co\u00fbt de l\u2019assurance\u202fvie et la fa\u00e7on dont les taux sont d\u00e9termin\u00e9s.","breadcrumb":{"@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/"]}]},{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#primaryimage","url":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2023\/02\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg","contentUrl":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2023\/02\/BLG_UnderstandingCostOfLifeInsurance-1200x628_0223.jpg","width":1200,"height":628},{"@type":"BreadcrumbList","@id":"https:\/\/www.cpp.ca\/fr\/blogue\/comprendre-le-cout-de-lassurance-vie\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cpp.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Comprendre le co\u00fbt de l\u2019assurance\u202fvie"}]},{"@type":"WebSite","@id":"https:\/\/www.cpp.ca\/fr\/#website","url":"https:\/\/www.cpp.ca\/fr\/","name":"Plan de protection du Canada","description":"Assurance vie sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e","publisher":{"@id":"https:\/\/www.cpp.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cpp.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/www.cpp.ca\/fr\/#organization","name":"Canada Protection Plan","url":"https:\/\/www.cpp.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/www.cpp.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2019\/07\/CPP_Logo_2016_Digital-E-3.png","contentUrl":"https:\/\/www.cpp.ca\/wp-content\/uploads\/2019\/07\/CPP_Logo_2016_Digital-E-3.png","width":544,"height":457,"caption":"Canada Protection Plan"},"image":{"@id":"https:\/\/www.cpp.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CanadaProtectionPlan\/","https:\/\/x.com\/CanadaProtPlan","https:\/\/www.instagram.com\/canadaprotectionplan\/","https:\/\/www.linkedin.com\/company\/canada-protection-plan\/","https:\/\/www.youtube.com\/user\/CanadaProtectionPlan","https:\/\/en.wikipedia.org\/wiki\/Canada_Protection_Plan"]},{"@type":"Person","@id":"https:\/\/www.cpp.ca\/fr\/#\/schema\/person\/135b4a2a30df2d350d8c4f3eed84ac39","name":"Andrew Mcloughlin","image":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/7aebc4eb6d07a1e794b339a13a7e1b6347dd414369452802f61d00b5dd596f12?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7aebc4eb6d07a1e794b339a13a7e1b6347dd414369452802f61d00b5dd596f12?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7aebc4eb6d07a1e794b339a13a7e1b6347dd414369452802f61d00b5dd596f12?s=96&d=mm&r=g","caption":"Andrew Mcloughlin"}}]}},"_links":{"self":[{"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/posts\/1311264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/users\/120"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/comments?post=1311264"}],"version-history":[{"count":0,"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/posts\/1311264\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/media\/1311289"}],"wp:attachment":[{"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/media?parent=1311264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/categories?post=1311264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cpp.ca\/fr\/wp-json\/wp\/v2\/tags?post=1311264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}