{"id":16317,"date":"2024-12-16T09:11:41","date_gmt":"2024-12-16T14:11:41","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/?page_id=16317"},"modified":"2025-02-26T14:19:16","modified_gmt":"2025-02-26T19:19:16","slug":"types-assurance-vie","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/types-assurance-vie\/","title":{"rendered":"Explication des diff\u00e9rents types d\u2019assurance vie"},"content":{"rendered":"\n<p class=\"mar-t-hlf mob-mar-t-hlf mar-b-0 mob-mar-b-0 mob-pad-t-qtr pad-b-0 has-text-xs-font-size\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span><\/p>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout5 mar-t-0 mob-mar-t-0\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"wp-block-heading mar-b-hlf mob-mar-b-hlf mar-t-0 mob-mar-t-0\" id=\"h-explication-des-differents-types-d-assurance-vie\">Explication des diff\u00e9rents types d\u2019assurance vie<\/h1>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Vous savez qu\u2019il vous faut une assurance vie, mais vous ignorez le type de protection que vous devriez souscrire&nbsp;? Dans cet article, nous passons bri\u00e8vement en revue les diff\u00e9rentes options qui s\u2019offrent \u00e0 vous afin de vous permettre de mieux circonscrire vos choix. (Pour vous familiariser avec les notions de base, lisez d\u2019abord notre article <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/quest-ce-que-assurance-vie\/\" data-dig-id=\"LP-16317-d970426c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Qu\u2019est-ce que l\u2019assurance vie&nbsp;?\" class=\"rbc-link-format\">Qu\u2019est-ce que l\u2019assurance vie&nbsp;?<\/a>)<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">On peut regrouper les diff\u00e9rents types d\u2019assurance vie dans deux grandes cat\u00e9gories&nbsp;: l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-temporaire\/\" data-dig-id=\"LP-16317-72c7ac15\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance vie temporaire\" class=\"rbc-link-format\">assurance vie temporaire<\/a> et l\u2019assurance vie permanente, comme l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-entiere\/\" data-dig-id=\"LP-16317-b42a04e4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance vie enti\u00e8re\" class=\"rbc-link-format\">assurance vie enti\u00e8re<\/a>. Notez qu\u2019il existe aussi des produits sp\u00e9cialis\u00e9s comme la <a href=\"https:\/\/www.worldprotect.com\/fr\/assurance-vie\/protection-personnelle-accident.html\" data-dig-id=\"LP-16317-60cfbe7f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Protection personnelle en cas d\u2019accident\" class=\"rbc-link-format\">Protection personnelle en cas d\u2019accident<\/a>.<\/p>\n\n\n\n<p>Voyons d\u2019abord le type d\u2019assurance le plus populaire&nbsp;: l\u2019assurance vie temporaire.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading mar-l-hlf mob-mar-l-hlf mar-b-hlf mob-mar-b-hlf\" id=\"h-articles-lies\">Articles li\u00e9s<\/h4>\n<\/div>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc mar-l-hlf mob-mar-l-hlf\">\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/quest-ce-que-assurance-vie\/\" data-dig-id=\"LP-16260-cc55e8bb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Qu\u2019est-ce que l\u2019assurance vie&nbsp;?\" class=\"rbc-link-format\">Qu\u2019est-ce que l\u2019assurance vie&nbsp;?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/fonctionnement-de-assurance-vie\/\" data-dig-id=\"LP-16260-9773a504\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Fonctionnement de l\u2019assurance vie\" class=\"rbc-link-format\">Fonctionnement de l\u2019assurance vie<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/de-quel-montant-assurance-vie-ai-je-besoin\/\" data-dig-id=\"LP-16317-10e83ebf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"De quel montant d\u2019assurance vie ai-je besoin&nbsp;?\" class=\"rbc-link-format\">De quel montant d\u2019assurance vie ai-je besoin&nbsp;?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/raisons-de-souscrire-une-assurance-vie\/\" data-dig-id=\"LP-16271-923346d4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Quatre raisons de souscrire une assurance vie \u00e0 tout \u00e2ge\" class=\"rbc-link-format\">Quatre raisons de souscrire une assurance vie \u00e0 tout \u00e2ge<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlel0qvp8fo\" class=\"collapse-toggle collapsed\" data-target=\"#accordionl0qvp8fo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16317-c7fd4ee3\" aria-controls=\"accordionl0qvp8fo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Assurance vie temporaire\u00a0: une protection temporaire, mais abordable\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Assurance vie temporaire\u00a0: une protection temporaire, mais abordable<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionl0qvp8fo\" role=\"region\" aria-labelledby=\"accordion-titlel0qvp8fo\"><div class=\"collapse-inner\">\n<p>Simple et facile \u00e0 obtenir, l\u2019assurance vie temporaire est plus abordable qu\u2019une assurance permanente. C&rsquo;est la grande favorite des Canadiens.<\/p>\n\n\n\n<p>L\u2019assurance vie temporaire est con\u00e7ue pour couvrir des besoins \u00e0 court terme. Autrement dit, on se la procure pour soi-m\u00eame lorsqu\u2019on a des enfants en bas \u00e2ge, qu\u2019on partage les responsabilit\u00e9s financi\u00e8res du m\u00e9nage avec son conjoint ou qu\u2019on a des dettes comme un pr\u00eat hypoth\u00e9caire. Il s\u2019agit en quelque sorte d\u2019un filet de s\u00e9curit\u00e9 que l\u2019on met en place pour prot\u00e9ger sa famille d\u2019un d\u00e9sastre financier au moment o\u00f9 elle en a le plus besoin.<\/p>\n\n\n\n<p>Vous choisissez la dur\u00e9e de la protection au moment de la souscrire. La plupart des assureurs offrent des assurances de 10 ou 20 ans. \u00c0 RBC Assurances, vous avez la possibilit\u00e9 de choisir toute p\u00e9riode d\u2019assurance entre 10 et 40 ans.<\/p>\n\n\n\n<p>M\u00eame si cette assurance vie est temporaire, vous pouvez la renouveler \u00e0 la fin de la p\u00e9riode initiale<sup><a href=\"#legal-1\" data-dig-id=\"LP-16317-1043f4a1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup> et la prime reste fixe pour toute la dur\u00e9e du contrat. Autrement dit, elle n\u2019augmentera pas pendant la dur\u00e9e choisie (20 ans, par exemple).<\/p>\n\n\n\n<p>\u00c0 la fin de la p\u00e9riode de 20 ans, vous pouvez renouveler votre assurance vie, sans \u00e9gard \u00e0 votre \u00e9tat de sant\u00e9. Le renouvellement est garanti. Notez toutefois que votre prime sera alors plus \u00e9lev\u00e9e car elle sera \u00e9tablie en fonction de votre \u00e2ge. La plupart des polices d\u2019assurance vie temporaire peuvent aussi \u00eatre transform\u00e9es en assurance permanente (comme une assurance vie universelle) \u00e0 une date ult\u00e9rieure.<\/p>\n\n\n\n<p>Vous souhaitez souscrire une assurance vie temporaire&nbsp;? Explorez <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-temporaire\/\" data-dig-id=\"LP-16317-e3ee8145\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"vos options\" class=\"rbc-link-format\">vos options<\/a> \u00e0 RBC Assurances ou obtenez rapidement une <a href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie\/index.html\" data-dig-id=\"LP-16317-759c257d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"soumission\" class=\"rbc-link-format\">soumission<\/a><sup><a href=\"#legal-2\" data-dig-id=\"LP-16317-74a36215\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup> d\u00e8s maintenant.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletxrmg908\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontxrmg908\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16317-04fe79ba\" aria-controls=\"accordiontxrmg908\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Assurance vie permanente \u2013 une protection financi\u00e8re \u00e0 vie\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Assurance vie permanente \u2013 une protection financi\u00e8re \u00e0 vie<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontxrmg908\" role=\"region\" aria-labelledby=\"accordion-titletxrmg908\"><div class=\"collapse-inner\">\n<p>L\u2019assurance vie permanente est plus ch\u00e8re que l\u2019assurance vie temporaire, mais elle vous procure une protection votre vie durant. Certaines protections permanentes combinent m\u00eame une assurance vie et un volet \u00e9pargne (qu\u2019on appelle valeur de rachat ou d\u2019accumulation) et qui permet d\u2019\u00e9pargner pour plus tard.<\/p>\n\n\n\n<p>Ces caract\u00e9ristiques \u2013 et bien d\u2019autres \u2013 font de l\u2019assurance vie permanente la protection id\u00e9ale pour couvrir des besoins \u00e0 long terme comme procurer un revenu \u00e0 son conjoint, payer les frais fun\u00e9raires ou l\u00e9guer des actifs. Vous pourriez par exemple utiliser une assurance vie permanente pour aider vos enfants \u00e0 payer l\u2019imp\u00f4t sur le chalet que vous comptez leur l\u00e9guer.<\/p>\n\n\n\n<p><strong><strong>Voici un survol des diff\u00e9rents types de protection permanente&nbsp;:<\/strong><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse98e24ac9\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse98e24ac9\" data-dig-id=\"LP-16317-98e24ac9\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Assurance vie universelle\u00a0: protection viag\u00e8re et moyen fiscalement avantageux d\u2019investir\"><div>Assurance vie universelle\u00a0: protection viag\u00e8re et moyen fiscalement avantageux d\u2019investir<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse98e24ac9\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Avec ce type de protection, un pourcentage de vos primes sert \u00e0 payer l\u2019assurance vie et l\u2019exc\u00e9dent est d\u00e9pos\u00e9 dans un compte de placement qui accumule une valeur de rachat. Ainsi, la valeur de rachat augmente \u00e0 mesure que vous payez vos primes.<\/p>\n\n\n\n<p>Tant que vous ne faites pas de retrait et que les limites d\u2019exon\u00e9ration sont respect\u00e9es, votre argent peut cro\u00eetre plus rapidement \u00e0 l\u2019abri de l\u2019imp\u00f4t. En cas de d\u00e9passement des limites d\u2019exon\u00e9ration, l\u2019exc\u00e9dent est vers\u00e9 dans un compte provisoire, qui lui, sera imposable.<\/p>\n\n\n\n<p>Plus tard dans la vie, vous pourrez utiliser la valeur de rachat cumul\u00e9e dans votre police pour compl\u00e9ter votre revenu de retraite, aider vos enfants \u00e0 payer leurs \u00e9tudes postsecondaires et bien plus encore. Lisez l\u2019article <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/raisons-de-souscrire-une-assurance-vie\/\" data-dig-id=\"LP-16317-943dd1b9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Quatre raisons de souscrire une assurance vie \u00e0 tout \u00e2ge\" class=\"rbc-link-format\">Quatre raisons de souscrire une assurance vie \u00e0 tout \u00e2ge<\/a> pour en savoir plus sur le sujet.<\/p>\n\n\n\n<p>L\u2019assurance vie universelle est reconnue pour sa souplesse. C\u2019est d\u2019ailleurs la raison pour laquelle on la surnomme souvent l\u2019assurance vie \u00ab&nbsp;ajustable&nbsp;\u00bb. En voici un exemple&nbsp;: elle offre notamment deux options de prestation de d\u00e9c\u00e8s. Vous pouvez choisir une protection uniforme ou croissante (qui inclut la prestation de d\u00e9c\u00e8s, major\u00e9e de la valeur capitalis\u00e9e). Vous pouvez aussi d\u00e9cider du montant \u00e0 affecter \u00e0 la police et du mode de paiement des primes.<\/p>\n\n\n\n<p>Ces options font de l\u2019assurance vie universelle un produit plus complexe que d\u2019autres types d\u2019assurance, mais qui peut aussi \u00eatre adapt\u00e9e \u00e0 souhait, selon vos besoins particuliers.<\/p>\n\n\n\n<p>D\u00e9couvrez-en plus sur l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-universelle\/\" data-dig-id=\"LP-16317-18a428e6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance vie universelle\" class=\"rbc-link-format\">assurance vie universelle<\/a> et les produits offerts par RBC Assurances d\u00e8s aujourd\u2019hui.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse01d4a830\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse01d4a830\" data-dig-id=\"LP-16317-01d4a830\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Assurance vie enti\u00e8re\u00a0: protection \u00e0 vie et valeur de rachat garantie\"><div>Assurance vie enti\u00e8re\u00a0: protection \u00e0 vie et valeur de rachat garantie<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse01d4a830\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Bien qu\u2019elle s\u2019apparente \u00e0 l\u2019assurance vie universelle, l\u2019assurance vie enti\u00e8re \u00e0 participation est beaucoup moins complexe (et moins souple). Elle offre une protection \u00e0 vie, une valeur de rachat garantie et la possibilit\u00e9 d\u2019accumuler des participations aux b\u00e9n\u00e9fices de la compagnie d\u2019assurance. Elle est souvent utilis\u00e9e en planification successorale pour aider \u00e0 prot\u00e9ger les avoirs financiers de l\u2019assur\u00e9 contre certains risques comme un repli du march\u00e9 et lui \u00e9viter des frais juridiques et taxes inutiles.<\/p>\n\n\n\n<p>Une partie de la prime d\u2019assurance vie enti\u00e8re sert \u00e0 payer le co\u00fbt de l\u2019assurance et l\u2019exc\u00e9dent est vers\u00e9 dans le compte d\u2019\u00e9pargne\/de placement (g\u00e9r\u00e9 par l\u2019assureur) o\u00f9 fructifiera la valeur de rachat garantie. Comme pour l\u2019assurance vie universelle, vous pouvez utiliser la valeur de rachat \u00e0 n\u2019importe quelle fin&nbsp;: couvrir des frais impr\u00e9vus, gonfler votre revenu de retraite, d\u00e9marrer une entreprise et plus encore. Gardez seulement \u00e0 l\u2019esprit que tout retrait viendra r\u00e9duire la prestation de d\u00e9c\u00e8s vers\u00e9e \u00e0 vos b\u00e9n\u00e9ficiaires si vous ne le remboursez pas.<\/p>\n\n\n\n<p>D\u00e9couvrez-en plus sur l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-entiere\/\" data-dig-id=\"LP-16317-fc6619be\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance vie enti\u00e8re\" class=\"rbc-link-format\">assurance vie enti\u00e8re<\/a> offerte par RBC Assurances.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseda41afcd\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseda41afcd\" data-dig-id=\"LP-16317-da41afcd\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Assurance vie Temporaire 100\u00a0: une protection viag\u00e8re simple\"><div>Assurance vie Temporaire 100\u00a0: une protection viag\u00e8re simple<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseda41afcd\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>La Temporaire 100 est le produit d\u2019assurance vie le plus simple. Elle vous prot\u00e8ge \u00e0 vie \u2013 la compagnie d\u2019assurance ne peut pas la r\u00e9silier ni la modifier, et vos primes n\u2019augmenteront jamais.<\/p>\n\n\n\n<p>Elle est plus ch\u00e8re que les polices d\u2019assurance vie temporaires (10 ou 20 ans), mais plus abordable qu\u2019une assurance vie universelle ou vie enti\u00e8re, parce qu\u2019elle ne comporte aucune valeur de rachat.<\/p>\n\n\n\n<p>D\u00e9couvrez-en plus sur l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-temporaire-100\/\" data-dig-id=\"LP-16317-82317842\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance vie Temporaire 100\" class=\"rbc-link-format\">assurance vie Temporaire 100<\/a> offerte par RBC Assurances.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse9386a234\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse9386a234\" data-dig-id=\"LP-16317-9386a234\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Assurance vie \u00e0 acceptation garantie\"><div>Assurance vie \u00e0 acceptation garantie<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse9386a234\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Vous pensez qu\u2019une assurance vie \u00e0 acceptation garantie, sans examen m\u00e9dical ni questionnaire de sant\u00e9, est trop beau pour \u00eatre vrai&nbsp;? Eh bien, ce type de protection existe vraiment.<\/p>\n\n\n\n<p>Pour la demander, il vous suffit d\u2019avoir au moins 40 ou 50 ans selon l\u2019assureur (\u00e0 RBC Assurances, vous devez \u00eatre citoyen canadien et avoir entre 40 et 75 ans).<\/p>\n\n\n\n<p>Comme les montants d\u2019assurance sont souvent petits \u2013 entre 5&nbsp;000&nbsp;$ et 40&nbsp;000&nbsp;$, par exemple \u2013 la protection est habituellement utilis\u00e9e pour compl\u00e9ter une assurance vie existante et obtenir une s\u00e9curit\u00e9 accrue ou encore pour laisser un peu d\u2019argent pour couvrir les frais d\u2019obs\u00e8ques et autres d\u00e9penses de fin de vie.<\/p>\n\n\n\n<p>Et comme vous n\u2019avez aucun examen m\u00e9dical \u00e0 passer ni questionnaire de sant\u00e9 \u00e0 remplir, ce produit est habituellement simple et rapide \u00e0 obtenir.<\/p>\n\n\n\n<p>Explorez les avantages de l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/\" data-dig-id=\"LP-16317-b31f3ff5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Assurance vie \u00e0 acceptation garantie RBC\" class=\"rbc-link-format\">Assurance vie \u00e0 acceptation garantie RBC<\/a> ou <a href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie-acceptation-garantie\/index.html\" data-dig-id=\"LP-16317-23eb0723\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"obtenez une soumission\" class=\"rbc-link-format\">obtenez une soumission<\/a> d\u00e8s maintenant<sup><a href=\"#legal-2\" data-dig-id=\"LP-16317-2004f1f3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup>.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledetttvuf\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondetttvuf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16317-e3f2e948\" aria-controls=\"accordiondetttvuf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Protection personnelle en cas d\u2019accident\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Protection personnelle en cas d\u2019accident<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondetttvuf\" role=\"region\" aria-labelledby=\"accordion-titledetttvuf\"><div class=\"collapse-inner\">\n<p>M\u00eame si elle est ni une assurance vie temporaire ni une assurance vie permanente, la Protection personnelle en cas d\u2019accident a un important r\u00f4le \u00e0 jouer.<\/p>\n\n\n\n<p>Si, en raison de probl\u00e8mes de sant\u00e9 ou de votre m\u00e9tier \u00e0 haut risque, vous n\u2019\u00eates pas admissible \u00e0 d\u2019autres types d\u2019assurance vie, vous pourriez tout de m\u00eame \u00eatre en mesure d\u2019obtenir une assurance accident, appel\u00e9e Protection personnelle en cas d\u2019accident.<\/p>\n\n\n\n<p>Ce produit verse une prestation \u00e0 vos b\u00e9n\u00e9ficiaires seulement en cas d\u2019accident causant le d\u00e9c\u00e8s. Comme les risques couverts sont plus limit\u00e9s, les primes sont habituellement beaucoup plus basses que pour les autres types d\u2019assurance vie. Cette protection est aussi facile \u00e0 obtenir.<\/p>\n\n\n\n<p>Vous \u00eates un client de RBC&nbsp;? Vous pouvez souscrire la <a href=\"https:\/\/www.worldprotect.com\/fr\/assurance-vie\/protection-personnelle-accident.html\" data-dig-id=\"LP-16317-57b52002\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Protection personnelle en cas d\u2019accident\" class=\"rbc-link-format\">Protection personnelle en cas d\u2019accident<\/a> en ligne<sup><a href=\"#legal-3\" data-dig-id=\"LP-16317-e591b7d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup> \u2013 votre acceptation est garantie.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerz0gyr6i\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrz0gyr6i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16317-4266f941\" aria-controls=\"accordionrz0gyr6i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Alors\u2026 Comment se comparent tous ces produits\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Alors\u2026 Comment se comparent tous ces produits\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrz0gyr6i\" role=\"region\" aria-labelledby=\"accordion-titlerz0gyr6i\"><div class=\"collapse-inner\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/comparaison-assurance-vie\/\" data-dig-id=\"LP-16317-e423f1cb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Voici\" class=\"rbc-link-format\">Voici<\/a> une br\u00e8ve comparaison des diff\u00e9rents types d\u2019assurance vie<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-d-autres-questions\">D\u2019autres questions ?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Parlez \u00e0 un conseiller de RBC Assurances.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie\/index.html\" data-dig-id=\"LP-16317-7b6e90d8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenez une soumission-https:\/\/silver.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie\/index.html \">Obtenez une soumission<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-16317-7b6e90d8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifiez un appel-https:\/\/silver.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">Planifiez un appel<\/a><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form\"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-16317-9da6e603\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Avez-vous besoin d\u2019aide ? <a href=\"tel:+18662237113\" data-dig-id=\"LP-21771-ad67c22b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-800-461-1413\" class=\"rbc-link-format\">Composez le 1 866 223-7113<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"599\" height=\"506\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp?quality=80&amp;w=599\" alt=\"Un p\u00e8re et son fils prot\u00e9g\u00e9s par une assurance vie\" class=\"wp-image-12734\" srcset=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp 599w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp?resize=300,253 300w\" sizes=\"auto, (max-width: 599px) 100vw, 599px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-16317-9a1b5234\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>Afficher les avis de non-responsabilit\u00e9<\/span><span>Cacher les avis de non-responsabilit\u00e9<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Certaines polices d\u2019assurance vie temporaire ne peuvent pas \u00eatre renouvel\u00e9es au-del\u00e0 d\u2019un certain \u00e2ge (habituellement 80 ans).<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>La souscription d\u2019une assurance en ligne n\u2019est plus offerte aux r\u00e9sidents du Qu\u00e9bec.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>La Protection personnelle en cas d\u2019accident n\u2019est pas offerte en ligne au Qu\u00e9bec. Veuillez nous appeler au 1 888 659-0099 et l\u2019un de nos conseillers se fera un plaisir de vous aider.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>La prestation de d\u00e9c\u00e8s est seulement exon\u00e9r\u00e9e d\u2019imp\u00f4t si un b\u00e9n\u00e9ficiaire (et non la succession) a \u00e9t\u00e9 d\u00e9sign\u00e9.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>Si la police est encore en vigueur au centi\u00e8me anniversaire de naissance de l\u2019assur\u00e9, la couverture est maintenue sans paiement de la prime.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":196,"featured_media":0,"parent":11566,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-16317","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Explication des diff\u00e9rents types d\u2019assurance vie | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Vous essayez de comprendre les diff\u00e9rents types d\u2019assurance vie ? Consultez cet article pour un aper\u00e7u des options qui s\u2019offrent \u00e0 vous.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/types-assurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Explication des diff\u00e9rents types d\u2019assurance vie | RBC Assurances\" \/>\n<meta property=\"og:description\" content=\"Vous essayez de comprendre les diff\u00e9rents types d\u2019assurance vie ? 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