Clic Assure

Les bases de l'assurance vie

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

 Ça sert à quoi l’assurance vie ?

 L’assurance vie, ça n’a rien d’un luxe. Au cas où vous auriez oublié les raisons de s’en procurer, voici trois raisons incontournables :

- Quand vous mourrez, il faudra payer tous les frais relatifs à votre enterrement et à votre succession;

 - Plusieurs de vos biens seront sans doute vendus. Il faudra parfois défrayer des impôts sur ces montants;

 - Et puis aurez-vous payé toutes vos dettes, sans parler du petit héritage que vous comptiez laisser à vos proches.

 Les différents genres d’assurance vie

 L’assurance vie n’a rien de bien sorcier quand on sait qu’il n’y a que quatre catégories de produits: l’assurance vie temporaire, l’assurance entière, l’assurance vie universelle ainsi que l’assurance collective. Vous bénéficiez sans doute de cette dernière au travail, elle est offerte et payée en partie par votre employeur. Souvenez-vous de ces formulaires que vous avez remplis pour obtenir vos couvertures d’assurance dentaire et médicale. Vérifiez le montant d’assurance vie dont vous bénéficiez déjà avant d’en souscrire davantage.

 Assurance temporaire, primes temporaires

 L’assurance vie temporaire est la moins dispendieuse des assurances vie, surtout quand on est jeune et en santé. Les primes sont garanties pour le terme de la police, soit cinq ans pour une T5, 10 ans pour une T10 et 20 ans pour une T20. Évidemment, vous n’aurez sans doute pas besoin de réclamer à un jeune âge, et le risque est que cette assurance devienne bien trop cher avec l’âge. Les assureurs la recommandent donc pour des besoins temporaires d’assurance quoiqu’il est possible de convertir cette police au renouvellement en assurance vie entière.

 Une assurance temporaire 100 ans ou une assurance vie entière ?

 La différence principale entre ces deux produits est au niveau de la valeur de rachat du contrat. L’assurance temporaire de 100 ans n’en a pas et elle coûte comparativement moins cher. Cette valeur de rachat est tout simplement le montant versé par l’assureur lors de la résiliation du contrat. Dans les deux cas, les primes peuvent soit augmenter ou être fixes, et le montant versé au décès est garanti. Nous parlerons de l’assurance vie universelle dans un autre article, c’est essentiellement une assurance vie entière avec une composante investissement.

 Les dangers de l’assurance collective

 Il ne faut pas se méprendre, l’assurance collective c’est géniale : ce n’est pas cher et le montant versé est exempt d’impôts et garanti, mais comme l’assurance vie temporaire, les primes augmentent avec l’âge au moment de la transformation et l’assurance prend souvent fin à 65 ans. Le plus gros risque de nos jours lié à cette assurance est lorsqu’on perd son emploi ou qu’on change de métier. Il sera alors sans doute sage de convertir cette assurance en assurance vie temporaire ou entière.

 ClicAssure, le meilleur moyen d’économiser sur vos assurances

 ClicAssure dispose d'un partenaire qui représente plusieurs assureurs, c'est que qui nous permet de vous proposer différentes offres sans y passer la journée. En quelques clics vous obtiendrez leurs meilleures offres.

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