{"id":1314854,"date":"2026-01-11T06:00:28","date_gmt":"2026-01-11T11:00:28","guid":{"rendered":"https:\/\/www.cpp.ca\/non-classifiee\/what-happens-to-your-debt-when-you-die\/"},"modified":"2026-01-23T13:15:28","modified_gmt":"2026-01-23T18:15:28","slug":"ce-quil-advient-de-vos-dettes-a-votre-deces","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/ce-quil-advient-de-vos-dettes-a-votre-deces\/","title":{"rendered":"Ce qui advient de vos dettes \u00e0 votre d\u00e9c\u00e8s et comment l\u2019assurance vie peut vous aider"},"content":{"rendered":"[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb 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_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1769182892996{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 2% !important;padding-right: 3% !important;padding-bottom: 3% !important;padding-left: 3% !important;background-color: #F7F5F2 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-radius: 5px !important;border-color: #EAE1D5 !important;}\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h6><strong>Lecture de 5 minutes<\/strong><\/h6>\n<h2>Aper\u00e7u<\/h2>\n<ul>\n<li>Vos dettes devront \u00eatre rembours\u00e9es apr\u00e8s votre d\u00e9c\u00e8s.<\/li>\n<li>Cette responsabilit\u00e9 financi\u00e8re pourrait incomber \u00e0 vos proches.<\/li>\n<li>Plan de protection du Canada de la Financi\u00e8re ForestersMC peut \u00e9viter des fardeaux financiers \u00e0 vos proches.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]Saviez-vous que les dettes d\u2019une personne doivent \u00eatre rembours\u00e9es, m\u00eame apr\u00e8s son d\u00e9c\u00e8s? Les proches peuvent \u00eatre tenus de rembourser ces dettes, ce qui peut compromettre leurs finances et leurs objectifs.<\/p>\n<p>Comment l\u2019assurance vie peut-elle aider? Elle peut prot\u00e9ger vos finances et celles de votre famille. La prestation de d\u00e9c\u00e8s vers\u00e9e apr\u00e8s votre d\u00e9c\u00e8s peut \u00e9viter \u00e0 vos proches des fardeaux financiers, comme vos dettes. Elle contribue \u00e0 la protection du bien-\u00eatre financier de vos proches.[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb35&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>La situation de vos dettes<\/h2>\n<p>Vos dettes ne disparaissent pas simplement lorsque vous d\u00e9c\u00e9dez. C\u2019est votre succession qui en devient responsable. Une succession comprend <em>tous<\/em> les actifs que vous poss\u00e9dez au moment de votre d\u00e9c\u00e8s. Par exemple\u00a0:<\/p>\n<ul>\n<li>vos biens immobiliers<\/li>\n<li>vos placements<\/li>\n<li>vos effets personnels<\/li>\n<li>votre \u00e9pargne<\/li>\n<\/ul>\n<p>Vous devez d\u00e9signer le liquidateur de votre succession dans votre testament. Cette personne est g\u00e9n\u00e9ralement charg\u00e9e de r\u00e9gler vos dettes \u00e0 partir de vos actifs. Elle devra consolider les relev\u00e9s de cr\u00e9dit et collaborer avec des conseillers juridiques ou financiers afin de d\u00e9terminer le montant de vos dettes. Pour r\u00e9gler la dette, le liquidateur de votre succession pourrait devoir vendre des actifs, liquider des placements ou puiser dans les liquidit\u00e9s disponibles, telles que votre \u00e9pargne.<\/p>\n<p>Si vos actifs ne sont pas suffisants pour rembourser toutes vos dettes, les cr\u00e9anciers peuvent passer en perte le solde de la dette. Toutefois, si la dette avait \u00e9t\u00e9 contract\u00e9e avec un coemprenteur, comme le conjoint, cette personne est responsable du remboursement.<\/p>\n<h2>Remboursement des dettes apr\u00e8s le d\u00e9c\u00e8s<\/h2>\n<p>Conform\u00e9ment \u00e0 la loi canadienne, la succession d\u2019une personne d\u00e9c\u00e9d\u00e9e est tenue de rembourser toutes les dettes en souffrance<sup>1<\/sup> avant que les b\u00e9n\u00e9ficiaires puissent recevoir des actifs. Une fois la succession lib\u00e9r\u00e9e de toute dette, le liquidateur peut r\u00e9partir les actifs restants entre les b\u00e9n\u00e9ficiaires.<\/p>\n<p>Habituellement, les actifs de la succession servent d\u2019abord \u00e0 payer les frais fun\u00e9raires. Ensuite, ils sont utilis\u00e9s pour payer les imp\u00f4ts provinciaux ou territoriaux, puis les imp\u00f4ts dus \u00e0 l\u2019Agence du revenu du Canada (ARC)<sup>2 <\/sup>. La succession peut aussi devoir payer les cr\u00e9anciers ordinaires, tels que les banques et les \u00e9metteurs de cartes de cr\u00e9dit, si vous avez des dettes aupr\u00e8s d\u2019eux. Ces institutions ont g\u00e9n\u00e9ralement le droit de recevoir un paiement, mais elles doivent pr\u00e9senter une demande \u00e0 la succession afin d\u2019\u00eatre admissibles.<\/p>\n<p>Les cr\u00e9anciers garantis, ceux dont les dettes sont garanties par une s\u00fbret\u00e9, ont g\u00e9n\u00e9ralement priorit\u00e9 sur les actifs de la succession. Cela leur permet de r\u00e9cup\u00e9rer les montants qui leur sont dus. Par exemple, un pr\u00eateur hypoth\u00e9caire pourrait r\u00e9clamer \u00e0 la succession jusqu\u2019\u00e0 la valeur d\u2019une propri\u00e9t\u00e9 hypoth\u00e9qu\u00e9e. Toutefois, si le produit de la vente ne suffit pas \u00e0 couvrir l\u2019hypoth\u00e8que, le pr\u00eateur est alors consid\u00e9r\u00e9 comme un cr\u00e9ancier non garanti et passe apr\u00e8s tous les cr\u00e9anciers garantis restants dans l\u2019ordre de priorit\u00e9.<\/p>\n<p>Une fois que tous les cr\u00e9anciers ordinaires ont \u00e9t\u00e9 pay\u00e9s, les actifs restants sont r\u00e9partis entre les b\u00e9n\u00e9ficiaires, selon les dispositions du testament. Ce processus garantit que toutes les obligations financi\u00e8res sont remplies avant la distribution des actifs.<\/p>\n<h2>Assurance vie et protection contre les dettes<\/h2>\n<p>L\u2019assurance vie peut jouer un r\u00f4le strat\u00e9gique pour prot\u00e9ger le bien-\u00eatre financier de vos proches apr\u00e8s votre d\u00e9c\u00e8s. <a href=\"https:\/\/www.cpp.ca\/fr\/blogue\/explication-de-la-prestation-de-deces-au-titre-de-lassurance-vie\/\">La prestation de d\u00e9c\u00e8s\u00a0<\/a>est un montant pr\u00e9cis vers\u00e9 apr\u00e8s votre d\u00e9c\u00e8s\u00a0 \u00e0 vos b\u00e9n\u00e9ficiaires qui peuvent utiliser cet argent pour rembourser vos dettes et honorer d\u2019autres obligations financi\u00e8res. Cette prestation peut servir de filet de s\u00e9curit\u00e9 pour vos proches, qui n\u2019auront ainsi pas de dettes \u00e0 rembourser ni d\u2019autres d\u00e9penses \u00e0 payer de leur poche.<\/p>\n<p>Une police d\u2019assurance vie d\u2019un montant \u00e9quivalent ou sup\u00e9rieur aux dettes pourrait couvrir l\u2019hypoth\u00e8que ou une dette importante de cartes de cr\u00e9dit.<\/p>\n<p>Par exemple, si \u00e0 votre d\u00e9c\u00e8s, le total de vos dettes s\u2019\u00e9levait \u00e0 20\u00a0000\u00a0 dollars, une assurance vie de 30\u00a0000\u00a0$ pourrait couvrir ces dettes <em>et<\/em> laisser 10 000 $ \u00e0 vos b\u00e9n\u00e9ficiaires ou pour couvrir les autres derni\u00e8res d\u00e9penses.<\/p>\n<p>Cette approche peut avoir un double objectif. En plus d\u2019\u00e9viter \u00e0 vos proches le fardeau financier de vos dettes, elle peut contribuer \u00e0 la stabilit\u00e9 financi\u00e8re dont ils ont tant besoin en p\u00e9riode de deuil.<\/p>\n<h2>Types d\u2019assurance vie pour la protection contre les dettes<\/h2>\n<p>Il existe deux grandes cat\u00e9gories d\u2019assurance vie\u00a0: l\u2019assurance vie temporaire et l\u2019assurance vie permanente.<\/p>\n<h3>Assurance vie temporaire<\/h3>\n<p><a href=\"https:\/\/www.cpp.ca\/fr\/quest-ce-que-lassurance-vie-temporaire\/\">L\u2019assurance vie temporaire<\/a>\u00a0fournit une couverture pendant une p\u00e9riode d\u00e9termin\u00e9e; 10, 20 ou 30 ans.<\/p>\n<p>Vous pouvez souscrire une assurance vie temporaire plus tard dans votre vie afin d\u2019\u00e9viter \u00e0 vos proches de devoir rembourser vos dettes. La prestation de d\u00e9c\u00e8s de l\u2019assurance vie temporaire peut servir \u00e0 rembourser vos dettes, \u00e0 payer d\u2019autres d\u00e9penses et \u00e0 prot\u00e9ger vos actifs.<\/p>\n<h3>Assurance vie permanente<\/h3>\n<p>L\u2019assurance vie permanente vous couvre pendant toute votre vie. Vous pouvez souscrire une <a href=\"https:\/\/www.cpp.ca\/fr\/assurance-vie-temporaire-permanente-entiere\/\">assurance vie enti\u00e8re<\/a> ou une <a href=\"https:\/\/www.cpp.ca\/fr\/blogue\/assurance-vie-universelle-et-assurance-vie-entiere\/\">assurance vie universelle<\/a>.<\/p>\n<p>Une caract\u00e9ristique importante de la plupart des polices d\u2019assurance vie permanente est leur valeur de rachat. C\u2019est comme un compte d\u2019\u00e9pargne int\u00e9gr\u00e9 \u00e0 la police qui s\u2019appr\u00e9cie au fil du temps et qui, selon les modalit\u00e9s contractuelles de la police, peut \u00eatre utilis\u00e9 pour obtenir des avances ou effectuer des retraits. La prestation de d\u00e9c\u00e8s a le m\u00eame objectif que dans le cas d\u2019une assurance vie temporaire; c\u2019est-\u00e0-dire que les b\u00e9n\u00e9ficiaires peuvent l\u2019utiliser pour rembourser des dettes et couvrir d\u2019autres obligations financi\u00e8res.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb zindex=\u00a0\u00bb99&Prime; overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb 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_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb20&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1769186773026{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 2% !important;padding-right: 3% !important;padding-bottom: 3% !important;padding-left: 3% !important;background-color: #F7F5F2 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-radius: 5px !important;border-color: #EAE1D5 !important;}\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<h2>Plan de protection du Canada et protection des dettes\u00a0: Quelle est la prochaine \u00e9tape?<\/h2>\n<p>Que vous souscriviez une assurance temporaire ou une assurance permanente, l\u2019assurance vie peut jouer un r\u00f4le essentiel pour prot\u00e9ger vos proches des fardeaux financiers, comme les dettes, apr\u00e8s votre d\u00e9c\u00e8s. Si vous souhaitez prot\u00e9ger l\u2019avenir financier de votre famille, voici ce que vous pouvez faire.<\/p>\n<ul>\n<li>Obtenez d\u00e8s aujourd\u2019hui une soumission<a href=\"https:\/\/www.cpp.ca\/fr\/soumission-sans-obligation\/\"> sans obligation<\/a>.<\/li>\n<li>Discuter avec un de nos conseillers chevronn\u00e9s pour choisir le produit d\u2019assurance vie qui vous convient le mieux.<\/li>\n<li>Prot\u00e9gez vos proches du fardeau de vos dettes gr\u00e2ce au Plan de protection du Canada de la Financi\u00e8re Foresters.<\/li>\n<\/ul>\n[\/vc_column_text][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb translate_y=\u00a0\u00bb75&Prime; text_align=\u00a0\u00bbleft\u00a0\u00bb row_position=\u00a0\u00bbdefault\u00a0\u00bb row_position_tablet=\u00a0\u00bbinherit\u00a0\u00bb row_position_phone=\u00a0\u00bbinherit\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb pointer_events=\u00a0\u00bball\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]\n<p style=\"text-align: right; font-size: 12px; color: #bcbcbc !important;\">422319 FR (10\/25)<\/p>\n[\/vc_column_text][\/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 column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb 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_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_position=\u00a0\u00bbdefault\u00a0\u00bb gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb animation_type=\u00a0\u00bbdefault\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb border_type=\u00a0\u00bbsimple\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb60&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]<strong>Sources <\/strong><\/p>\n<p><sup>1<\/sup> <a href=\"https:\/\/davidsklar.com\/blog\/death-and-debt-ontario\/\">https:\/\/davidsklar.com\/blog\/death-and-debt-ontario\/<\/a> (2023)<\/p>\n<p><sup>2<\/sup> <a href=\"https:\/\/www.bnc.ca\/particuliers\/conseils\/succession\/fiscalite-succession-canada.html\">https:\/\/www.bnc.ca\/particuliers\/conseils\/succession\/fiscalite-succession-canada.html<\/a> (2023)[\/vc_column_text][divider line_type=\u00a0\u00bbFull Width Line\u00a0\u00bb line_thickness=\u00a0\u00bb1&Prime; divider_color=\u00a0\u00bbextra-color-gradient-1&Prime; custom_height=\u00a0\u00bb10&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb text_direction=\u00a0\u00bbdefault\u00a0\u00bb]<strong>Footnotes<\/strong><\/p>\n<p><sup>MC<\/sup> Plan de protection du Canada et le logo sont des marques de commerce de Plan de protection du Canada inc, de la Financi\u00e8re Foresters. L\u2019assurance vie et l\u2019assurance maladies graves sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e sont \u00e9tablies par L\u2019Ordre Ind\u00e9pendant des Forestiers ou la Compagnie d\u2019assurance vie Foresters. La Financi\u00e8re Foresters est un nom commercial et une marque de commerce de L\u2019Ordre Ind\u00e9pendant des Forestiers (une soci\u00e9t\u00e9 de secours mutuel, 789, chemin Don Mills, Toronto, ON, Canada M3C 1T9) et de ses filiales.[\/vc_column_text][\/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 column_margin=\u00a0\u00bbdefault\u00a0\u00bb column_direction=\u00a0\u00bbdefault\u00a0\u00bb column_direction_tablet=\u00a0\u00bbdefault\u00a0\u00bb column_direction_phone=\u00a0\u00bbdefault\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb row_border_radius=\u00a0\u00bbnone\u00a0\u00bb row_border_radius_applies=\u00a0\u00bbbg\u00a0\u00bb overflow=\u00a0\u00bbvisible\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; gradient_direction=\u00a0\u00bbleft_to_right\u00a0\u00bb 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_tablet=\u00a0\u00bbinherit\u00a0\u00bb column_padding_phone=\u00a0\u00bbinherit\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb column_element_direction_desktop=\u00a0\u00bbdefault\u00a0\u00bb column_element_spacing=\u00a0\u00bbdefault\u00a0\u00bb desktop_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_backdrop_filter=\u00a0\u00bbnone\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb&#8230;<\/p>\n","protected":false},"author":120,"featured_media":1314849,"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-1314854","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>Ce qu\u2019il advient de vos dettes \u00e0 votre d\u00e9c\u00e8s | Plan de protection du Canada<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez ce qu\u2019il advient de vos dettes \u00e0 votre d\u00e9c\u00e8s et comment l\u2019assurance\u202fvie peut aider \u00e0 prot\u00e9ger le bien-\u00eatre financier de vos \u00eatres chers en cette 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