{"id":26500,"date":"2021-03-16T06:00:48","date_gmt":"2021-03-16T10:00:48","guid":{"rendered":"https:\/\/www.cpp.ca\/?p=26500"},"modified":"2021-03-31T14:15:07","modified_gmt":"2021-03-31T18:15:07","slug":"lassurance-vie-en-vaut-elle-la-peine","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/lassurance-vie-en-vaut-elle-la-peine\/","title":{"rendered":"L\u2019assurance vie en vaut-elle la peine?"},"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

La r\u00e9ponse courte est oui\u00a0\u2013 l\u2019assurance\u00a0vie<\/a> en vaut la peine. L\u2019assurance\u00a0vie pr\u00e9sente de nombreux avantages et il y a d\u2019importantes raisons pour lesquelles vous pourriez en avoir besoin. Pensez au stade o\u00f9 vous en \u00eates dans la vie et \u00e0 votre situation financi\u00e8re. Si vous d\u00e9c\u00e9dez, quelles seront les r\u00e9percussions sur vos proches? L\u2019assurance\u00a0vie peut vous donner le contr\u00f4le de vos finances et vous procurer la tranquillit\u00e9 d\u2019esprit de savoir que vos proches seront prot\u00e9g\u00e9s financi\u00e8rement aujourd\u2019hui et plus tard.<\/h4>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb35″][vc_column_text]\n

Principales raisons pour lesquelles vous pourriez avoir besoin d\u2019une assurance\u00a0vie<\/h3>\n

Voici quelques-unes des principales raisons pour lesquelles vous pourriez avoir besoin d\u2019une assurance\u00a0vie\u00a0:<\/p>\n

\u00a0<\/strong>Quelqu\u2019un d\u00e9pend-il de vous financi\u00e8rement?<\/strong><\/h4>\n

Une importante raison de souscrire une assurance vie est la protection de l\u2019avenir financier de vos proches. Si vous avez des personnes \u00e0 votre charge, comme un conjoint, des enfants ou des parents vieillissants, elles d\u00e9pendent peut-\u00eatre de votre revenu. Imaginez de quelle fa\u00e7on vos proches devraient changer radicalement leur mode de vie si votre revenu n\u2019\u00e9tait plus disponible. Comment paieraient-ils leurs factures? Seraient-ils oblig\u00e9s de d\u00e9m\u00e9nager? Le fait de planifier l\u2019avenir assurera votre tranquillit\u00e9 d\u2019esprit et votre confiance en sachant qu\u2019ils sont prot\u00e9g\u00e9s.<\/p>\n

\u00a0<\/strong>Avez-vous des dettes ou des d\u00e9penses qui doivent \u00eatre couvertes?<\/strong><\/h4>\n

Une autre raison importante pour laquelle vous pourriez avoir besoin d\u2019une assurance\u00a0vie est la prise en charge des grosses dettes et d\u00e9penses, ou le respect de vos volont\u00e9s. Si vous laissez des dettes ou des d\u00e9penses importantes, par exemple des versements hypoth\u00e9caires, des soldes de cartes de cr\u00e9dit impay\u00e9s ou des frais fun\u00e9raires, vos proches devront les payer.<\/p>\n

Vous voulez peut-\u00eatre aussi que votre prestation d\u2019assurance\u00a0vie soit vers\u00e9e au profit d\u2019une autre noble cause, comme les \u00e9tudes postsecondaires de vos enfants ou de vos petits-enfants, ou un don de bienfaisance \u00e0 un organisme qui vous tient \u00e0 c\u0153ur.<\/p>\n

\u00c9tapes cl\u00e9s de la vie auxquelles l\u2019assurance\u00a0vie peut \u00eatre utile\u00a0:<\/h3>\n

Mill\u00e9niaux\u00a0:<\/strong><\/h4>\n

M\u00eame si l\u2019assurance\u00a0vie n\u2019est peut-\u00eatre pas une priorit\u00e9 pour les mill\u00e9niaux, si vous d\u00e9cidez d\u2019y renoncer, vous pourriez passer \u00e0 c\u00f4t\u00e9 d\u2019un \u00e9l\u00e9ment important de la planification financi\u00e8re. Les jeunes peuvent b\u00e9n\u00e9ficier de primes moins \u00e9lev\u00e9es, car plus on est jeune et en meilleure sant\u00e9, plus les primes sont abordables.<\/p>\n

De plus, n\u2019oubliez pas que les fournisseurs d\u2019assurance\u00a0vie tiennent compte de vos ant\u00e9c\u00e9dents m\u00e9dicaux familiaux au moment de d\u00e9terminer vos primes, puisque certains probl\u00e8mes de sant\u00e9 sont h\u00e9r\u00e9ditaires. Lorsque vous souscrivez une couverture plus t\u00f4t dans la vie, les membres de votre famille imm\u00e9diate sont aussi plus jeunes et plus susceptibles d\u2019\u00eatre en bonne sant\u00e9. Il est donc possible que vos primes ne soient pas influenc\u00e9es par le vieillissement des membres de votre famille.<\/p>\n

L\u2019assurance\u00a0vie fait aussi office d\u2019investissement dans la mesure o\u00f9 elle comporte une valeur de rachat si vous avez une police d\u2019assurance vie permanente.<\/p>\n

Personnes d\u2019\u00e2ge moyen\u00a0:<\/strong><\/h4>\n

\u00c0 ce stade de votre vie, il est probable que vous ayez achet\u00e9 une maison et que vous effectuiez des versements hypoth\u00e9caires. Une police d\u2019assurance\u00a0vie peut prot\u00e9ger votre conjoint contre d\u2019importantes dettes, comme un pr\u00eat hypoth\u00e9caire.<\/p>\n

Si vos enfants sont jeunes et qu\u2019ils d\u00e9pendent de votre revenu, l\u2019assurance\u00a0vie peut leur procurer une protection financi\u00e8re afin qu\u2019ils n\u2019aient pas \u00e0 subir les contrecoups de votre d\u00e9c\u00e8s. S\u2019ils entreprennent des \u00e9tudes postsecondaires, un r\u00e9gime d\u2019assurance\u00a0vie peut les aider \u00e0 couvrir les frais qui s\u2019y rapportent.<\/p>\n

Retrait\u00e9s\u00a0:<\/strong><\/h4>\n

Vous avez travaill\u00e9 fort toute votre vie; la retraite est l\u2019occasion de profiter des fruits de votre labeur et de vous d\u00e9tendre enfin! L\u2019assurance\u00a0vie peut vous procurer la tranquillit\u00e9 d\u2019esprit de savoir que vos proches n\u2019auront aucuns frais ni aucune dette \u00e0 payer si vous d\u00e9c\u00e9dez.<\/p>\n

\u00c0 ce stade de la vie, il est important de tenir compte des versements hypoth\u00e9caires et des frais li\u00e9s au d\u00e9c\u00e8s qui pourraient \u00eatre laiss\u00e9s \u00e0 votre conjoint ou \u00e0 vos enfants. Vous pourriez \u00e9galement envisager une protection financi\u00e8re pour subvenir aux besoins de vos petits-enfants.<\/p>\n

Types d\u2019assurance\u00a0vie<\/h3>\n

L\u2019assurance\u00a0vie permanente procure une protection permanente, c\u2019est-\u00e0-dire une couverture la vie durant. En revanche, l\u2019assurance\u00a0vie temporaire procure une protection pendant une p\u00e9riode d\u00e9termin\u00e9e (g\u00e9n\u00e9ralement 10, 20 ou 25\u00a0ans, ou toute autre p\u00e9riode pr\u00e9cis\u00e9e dans la police).<\/p>\n

Vous avez le choix entre une assurance\u00a0vie traditionnelle et une assurance\u00a0vie sans exigence m\u00e9dicale. La souscription d\u2019une assurance\u00a0vie traditionnelle est assujettie \u00e0 des examens et des tests m\u00e9dicaux fastidieux. Le processus de souscription peut \u00eatre long et il est possible que votre police ne soit pas \u00e9tablie avant plusieurs semaines. Par contre, l\u2019assurance\u00a0vie sans exigence m\u00e9dicale ne requiert ni aiguille ni examen m\u00e9dical. De plus, vous n\u2019avez pas \u00e0 attendre longtemps pour savoir que vous et vos proches \u00eates prot\u00e9g\u00e9s pour de nombreuses ann\u00e9es \u00e0 venir.<\/p>\n

L\u2019assurance\u00a0vie est un investissement qui en vaut la peine \u00e0 chaque \u00e9tape de la vie! Songez \u00e0 votre situation financi\u00e8re et \u00e0 vos proches qui pourraient avoir besoin d\u2019une protection. La tranquillit\u00e9 d\u2019esprit de savoir que vous avez prot\u00e9g\u00e9 leur avenir financier est inestimable.<\/strong>[\/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_1615472251292{padding-top: 10px !important;padding-bottom: 20px !important;}\u00a0\u00bb]\n

Communiquez avec votre conseiller ou avec Plan de protection du Canada pour obtenir une \u00a0soumission 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\u00bb26969″ 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_row_inner column_margin=\u00a0\u00bbdefault\u00a0\u00bb translate_y=\u00a0\u00bb75″ 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\/1″ 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

BLG045-160321FR<\/p>\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] La r\u00e9ponse courte est oui\u00a0\u2013 l\u2019assurance\u00a0vie en…<\/p>\n","protected":false},"author":120,"featured_media":26578,"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-26500","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blogue","category-conseillers-fr","category-news-fr","category-patriculiers-fr"],"acf":[],"yoast_head":"\nL\u2019assurance vie en vaut-elle la peine? | Plan de protection du Canada<\/title>\n<meta name=\"description\" content=\"L\u2019assurance vie peut \u00eatre un \u00e9l\u00e9ment essentiel d\u2019un plan financier. 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