{"id":24955,"date":"2020-09-24T06:00:12","date_gmt":"2020-09-24T10:00:12","guid":{"rendered":"https:\/\/www.cpp.ca\/?p=24955"},"modified":"2021-03-31T13:48:28","modified_gmt":"2021-03-31T17:48:28","slug":"pourquoi-les-assures-doivent-ils-se-soucier-du-tsav","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/pourquoi-les-assures-doivent-ils-se-soucier-du-tsav\/","title":{"rendered":"Pourquoi les assur\u00e9s doivent-ils se soucier du TSAV?"},"content":{"rendered":"[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text]\n

Vous envisagez de souscrire une assurance vie? Vous travaillez avec un conseiller? Vous avez fait vos propres recherches? Vous avez d\u00e9j\u00e0 souscrit une police? Quel que soit votre objectif de s\u00e9curit\u00e9 financi\u00e8re, vous devez choisir un fournisseur de produits d\u2019assurance vie dont la viabilit\u00e9 est assur\u00e9e.<\/h4>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb35″][vc_column_text]Apr\u00e8s tout, vous payez des primes aujourd’hui pour garantir que vos proches recevront une indemnit\u00e9 forfaitaire \u00e0 un moment donn\u00e9 dans un avenir impr\u00e9visible. Votre compagnie d\u2019assurance vie doit maintenir une situation financi\u00e8re saine afin de pouvoir r\u00e9gler ses sinistres.<\/p>\n

Alors, comment mesurer la solidit\u00e9 financi\u00e8re d\u2019une compagnie d\u2019assurance vie? Le ratio du TSAV est un indicateur utile, parmi tant d\u2019autres, que vous devriez prendre en consid\u00e9ration.<\/p>\n

Le ratio actuel du TSAV de Foresters, compagnie d\u2019assurance vie se situe \u00e0 172 %<\/strong><\/h4>\n

Nos polices sont \u00e9tablies par Foresters, compagnie d\u2019assurance vie qui fait partie de l\u2019organisation internationale de services financiers, la Financi\u00e8re Foresters. Gr\u00e2ce \u00e0 un ratio du TSAV de 172\u00a0%, Foresters a inscrit une note parmi les plus \u00e9lev\u00e9es du secteur. De plus, \u00e0 titre d\u2019organisation \u00e9tablie depuis plus de 150\u00a0ans, elle a fait ses preuves en mati\u00e8re de stabilit\u00e9 financi\u00e8re, ce qui offre la tranquillit\u00e9 d\u2019esprit \u00e0 nos assur\u00e9s.<\/p>\n

Foresters offre \u00e9galement une gamme d\u2019avantages suppl\u00e9mentaires \u00e0 ses membres<\/a> pour aider les assur\u00e9s admissibles \u00e0 atteindre leurs objectifs financiers et \u00e0 changer les choses dans leur collectivit\u00e9.<\/p>\n

Qu\u2019est-ce qu\u2019un ratio du TSAV?<\/strong><\/h4>\n

L\u2019acronyme TSAV signifie \u00ab\u00a0Test de suffisance du capital des soci\u00e9t\u00e9s d\u2019assurance-vie\u00a0\u00bb. Il s\u2019agit d\u2019un ratio utilis\u00e9 par le BSIF pour mesurer la solidit\u00e9 financi\u00e8re des compagnies d\u2019assurance et assurer la protection des assur\u00e9s canadiens.<\/p>\n

Qu\u2019est-ce que le BSIF? <\/strong><\/h4>\n

Le Bureau du surintendant des institutions financi\u00e8res <\/a>(BSIF) est un organisme ind\u00e9pendant du gouvernement du Canada qui r\u00e9glemente et surveille plus de 400\u00a0institutions financi\u00e8res sous r\u00e9glementation f\u00e9d\u00e9rale et 1\u00a0200\u00a0r\u00e9gimes de retraite pour d\u00e9terminer s\u2019ils sont en bonne sant\u00e9 financi\u00e8re et s\u2019ils respectent les exigences qui leur sont applicables.<\/p>\n

Ouf. Cela semble \u00eatre un travail difficile, mais nous sommes heureux que quelqu’un le fasse!<\/p>\n

Comment le ratio du TSAV est-il calcul\u00e9?<\/strong><\/h4>\n

Le ratio total s\u2019applique \u00e0 la protection des assur\u00e9s et des cr\u00e9anciers. La formule utilis\u00e9e pour calculer le ratio total est la suivante\u00a0:<\/p>\n

Capital disponible + provision d\u2019exc\u00e9dent + d\u00e9p\u00f4ts admissibles
\n<\/strong><\/p>\n

\n

Coussin de solvabilit\u00e9 de base<\/strong><\/p>\n

Le ratio du noyau de capital mesure la solidit\u00e9 financi\u00e8re. La formule utilis\u00e9e pour calculer le ratio du noyau de capital est la suivante\u00a0:<\/p>\n

Capital de cat\u00e9gorie 1 + 70 % de la provision d\u2019exc\u00e9dent + 70 % des d\u00e9p\u00f4ts admissibles
\n<\/strong><\/p>\n

\n

Coussin de solvabilit\u00e9 de base<\/strong><\/p>\n

Vous avez compris? <\/strong><\/h4>\n

Sinon, pas de soucis. Voici les chiffres magiques que vous devez garder \u00e0 l\u2019esprit\u00a0: les assureurs sont tenus, au minimum, de maintenir un ratio total de 90\u00a0%\u00a0<\/u>et un ratio du noyau de capital de 55\u00a0%<\/u>.<\/p>\n

Vous pouvez en savoir plus sur la fa\u00e7on dont le BSIF calcule le ratio du TSAV sur son site web<\/a>.<\/p>\n

Maintenant que vous \u00eates un sp\u00e9cialiste du TSAV…<\/strong><\/h4>\n

Allez-y! Parlez-en \u00e0 vos amis! Impressionnez les \u00e9trangers lors de cocktails. R\u00e9galez vos enfants avec ces \u00e9quations math\u00e9matiques passionnantes.<\/p>\n

Blague \u00e0 part, le point essentiel \u00e0 retenir est que vous devez faire preuve de diligence avant de confier la s\u00e9curit\u00e9 financi\u00e8re de votre famille \u00e0 une compagnie d\u2019assurance, m\u00eame si celle-ci porte un nom connu. Comme le pr\u00e9cise le BSIF, le TSAV ne devrait pas \u00eatre utilis\u00e9 isol\u00e9ment pour d\u00e9terminer la situation financi\u00e8re d\u2019un assureur. Il devrait plut\u00f4t \u00eatre pris en compte avec d\u2019autres indicateurs de solidit\u00e9 financi\u00e8re dans toute recherche d\u2019un fournisseur de confiance.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb bg_color=\u00a0\u00bb#f7f5f2″ scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbcenter\u00a0\u00bb translate_y=\u00a0\u00bb20″ overlay_strength=\u00a0\u00bb0.3″ shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbpadding-5-percent\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_row_inner equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1600354966037{border-bottom-width: 1px !important;border-bottom-style: none !important;}\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb centered_text=\u00a0\u00bbtrue\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb5\/6″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-10 vc_col-md-10 vc_col-xs-10″][vc_column_text css=\u00a0\u00bb.vc_custom_1600694329843{padding-top: 10px !important;padding-bottom: 20px !important;}\u00a0\u00bb]\n

Parlez \u00e0 votre conseiller ou communiquez avec Plan de protection du Canada pour obtenir une soumission d\u2019assurance vie sans obligation.<\/a><\/h5>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb1\/6″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-2 vc_col-md-2 vc_col-xs-2″][image_with_animation image_url=\u00a0\u00bb24943″ alignment=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bbNone\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb zindex=\u00a0\u00bb99″ overlay_strength=\u00a0\u00bb0.3″ shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][divider line_type=\u00a0\u00bbFull Width Line\u00a0\u00bb line_thickness=\u00a0\u00bb1″ divider_color=\u00a0\u00bbaccent-color\u00a0\u00bb custom_height=\u00a0\u00bb2″][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb20″][vc_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb1\/6″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-2 vc_col-md-2 vc_col-xs-2″][image_with_animation image_url=\u00a0\u00bb14243″ alignment=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bbNone\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb][\/vc_column_inner][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb5\/6″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-10 vc_col-md-10 vc_col-xs-10″][vc_column_text]\n
Plan de protection du Canada<\/a> est un chef de file en assurance vie sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e au Canada.<\/strong> Notre mission est de fournir une protection fiable et un service compatissant d\u2019un oc\u00e9an \u00e0 l\u2019autre avec une assurance vie, une assurance maladies graves et des produits connexes faciles \u00e0 acheter. Notre gamme de produits croissante vous aidera \u00e0 obtenir la couverture et la tranquillit\u00e9 d\u2019esprit dont vous avez besoin pour vous assurer un meilleur avenir financier. Les produits de Plan de protection du Canada sont offerts par l\u2019interm\u00e9diaire de plus de 25 000 conseillers en assurance ind\u00e9pendants partout au Canada.<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3″ shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1″ background_hover_color_opacity=\u00a0\u00bb1″ column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1″ tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text] Vous envisagez de souscrire une assurance vie?…<\/p>\n","protected":false},"author":120,"featured_media":24906,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[358,365,366,367],"tags":[359,360],"class_list":["post-24955","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blogue","category-conseillers-fr","category-news-fr","category-patriculiers-fr","tag-conseillers","tag-patriculiers"],"acf":[],"yoast_head":"\nPourquoi les assur\u00e9s doivent-ils se soucier du TSAV? | Plan de protection du Canada<\/title>\n<meta name=\"description\" content=\"Vous envisagez de souscrire une assurance vie? Vous travaillez avec un conseiller? Vous avez fait vos propres recherches? Vous avez d\u00e9j\u00e0 souscrit une police? Quel que soit votre objectif de s\u00e9curit\u00e9 financi\u00e8re, vous devez choisir un fournisseur de produits d\u2019assurance vie dont la viabilit\u00e9 est assur\u00e9e.\" \/>\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\/pourquoi-les-assures-doivent-ils-se-soucier-du-tsav\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pourquoi les assur\u00e9s doivent-ils se soucier du TSAV? | Plan de protection du Canada\" \/>\n<meta property=\"og:description\" content=\"Vous envisagez de souscrire une assurance vie? Vous travaillez avec un conseiller? Vous avez fait vos propres recherches? Vous avez d\u00e9j\u00e0 souscrit une police? 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