Clic Assure

Cinq conseils pour payer moins cher son assurance vie

Tuesday, September 20, 2022 Dernière modification le Monday, September 26, 2022

Long terme ou court terme

Si vous ne connaissez pas la différence entre les différents produits d’assurance vie, référez-vous à notre article sur les bases de l’assurance vie :

Cherchez-vous de l’assurance pour les 5 ou 10 prochaines années ou pour toute la vie?  Voici cinq petits trucs pour vous aider dans votre réflexion et à payer le moins cher pour votre assurance vie :

5. Maximisez votre assurance de groupe

Si vous bénéficiez d’assurances collectives au travail, vous avez certainement une composante assurance vie temporaire qui se renouvelle automatiquement sans examen médical. Celle-ci vous est offerte, en général, à un prix avantageux. Si votre situation d’emploi est stable, c’est une bonne option à condition que votre besoin d’assurance soit à court terme – en vieillissant, les primes augmenteront au renouvellement, et à la retraite, l’assurance prendra (sans doute) fin.

4. Choisissez l’assurance vie temporaire

Cette assurance est bien moins chère qu’une assurance vie entière, surtout pour les jeunes personnes en santé, mais les primes peuvent augmenter rapidement au renouvellement. C’est donc une bonne stratégie si vos besoins d’assurance sont à court terme. Assurez-vous tout de même que la police se renouvelle automatiquement sans examen médical.

3. Payer plus cher maintenant pour payer moins cher plus tard

La meilleure stratégie est sans doute de se procurer de l’assurance vie entière ou de la temporaire 100 ans, qui est un peu moins chère, quel que soit votre âge. Cela vous permet à long terme de payer le moins cher pour votre assurance vie même si vos paiements initiaux vous paraitront élevés. Ceci présume que vos besoins d’assurance sont permanents. 

2. Ne fumez pas

Votre santé devrait être une préoccupation importante, pas seulement pour payer moins cher, mais pour assurer votre qualité de vie. Nous vivons de plus en plus longtemps, à quoi bon être malade pendant toutes ses années. L’assureur vous consentira un meilleur prix si vous ne fumez pas, et vos renouvellements seront bien plus faciles à négocier si vous n’avez pas développé de problèmes respiratoires ou cardiovasculaires. Une saine alimentation, du sport et une bonne gestion de stress sont donc les piliers de votre stratégie santé.

1. ClicAssure, le meilleur moyen d’économiser sur vos assurances

Un des meilleurs moyens de payer moins cher est de magasiner votre assurances car chaque assureur à ses propres taux. ClicAssure dispose d'un partenaire qui représentent plusieurs assureurs, c’est ce qui nous permet de vous proposer différentes offres sans y passer la journée. En quelques clics, vous obtiendrez leur meilleure offre.

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