{"id":16396,"date":"2024-12-16T09:13:35","date_gmt":"2024-12-16T14:13:35","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/?page_id=16396"},"modified":"2025-02-26T14:14:47","modified_gmt":"2025-02-26T19:14:47","slug":"fonctionnement-de-assurance-vie","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/fonctionnement-de-assurance-vie\/","title":{"rendered":"Fonctionnement de l\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-fonctionnement-de-l-assurance-vie\">Fonctionnement de l\u2019assurance vie<\/h1>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Bien que certains types d\u2019assurance vie puissent \u00eatre complexes, le fonctionnement de la plupart des polices est en fait assez simple.<\/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-16396-db14ff7b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Qu\u2019est-ce que l\u2019assurance vie ?\" class=\"rbc-link-format\">Qu\u2019est-ce que 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-16396-9ebc86f6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"De quel montant d\u2019assurance vie ai-je besoin ?\" class=\"rbc-link-format\">De quel montant d\u2019assurance vie ai-je besoin ?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/types-assurance-vie\/\" data-dig-id=\"LP-16396-fbd43d75\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Explication des types d\u2019assurance vie\" class=\"rbc-link-format\">Explication des types d\u2019assurance vie<\/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-16396-0bd20176\" 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\"><div class=\"faq__header\"><h2>Trois choses \u00e0 savoir sur le\u00a0fonctionnement de l\u2019assurance vie<\/h2><\/div><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-titlevkqaafks\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvkqaafks\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16396-57ec6eb6\" aria-controls=\"accordionvkqaafks\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"1. Vous souscrivez une assurance pour prot\u00e9ger votre famille advenant votre d\u00e9c\u00e8s\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>1. Vous souscrivez une assurance pour prot\u00e9ger votre famille advenant votre d\u00e9c\u00e8s<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvkqaafks\" role=\"region\" aria-labelledby=\"accordion-titlevkqaafks\"><div class=\"collapse-inner\">\n<p>En contrepartie d\u2019une certaine somme, que vous payez habituellement chaque mois ou ann\u00e9e (votre prime d\u2019assurance), la compagnie d\u2019assurance vous procure une couverture d\u2019un certain montant sur votre vie, pendant une p\u00e9riode donn\u00e9e. (Vous pouvez choisir le montant d\u2019assurance que vous d\u00e9sirez pour souscrire une police.)<\/p>\n\n\n\n<p>Si vous d\u00e9c\u00e9dez alors que vous \u00eates couvert, vos b\u00e9n\u00e9ficiaires n\u2019auraient qu\u2019\u00e0 pr\u00e9senter une demande de r\u00e8glement pour toucher le montant d\u2019assurance que vous avez souscrit. D\u00e9couvrez comment certains <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/types-assurance-vie\/\" data-dig-id=\"LP-16396-079e2b7d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"types d\u2019assurance vie\" class=\"rbc-link-format\">types d\u2019assurance vie<\/a> peuvent vous prot\u00e9ger pendant une courte p\u00e9riode ou votre vie durant.<\/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-title17ouwgvp\" class=\"collapse-toggle collapsed\" data-target=\"#accordion17ouwgvp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16396-f31c0109\" aria-controls=\"accordion17ouwgvp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"2. Votre famille peut recevoir le capital d\u00e9c\u00e8s en franchise d\u2019imp\u00f4t\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>2. Votre famille peut recevoir le capital d\u00e9c\u00e8s en franchise d\u2019imp\u00f4t<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion17ouwgvp\" role=\"region\" aria-labelledby=\"accordion-title17ouwgvp\"><div class=\"collapse-inner\">\n<p>L\u2019un des principaux avantages de l\u2019assurance vie, c\u2019est que la prestation de d\u00e9c\u00e8s, qu\u2019elle soit de 50&nbsp;000&nbsp;$ ou de 500&nbsp;000&nbsp;$, n\u2019est habituellement pas imposable. Autrement dit, votre famille n\u2019aura pas \u00e0 d\u00e9clarer cette somme comme revenu imposable sur sa d\u00e9claration de revenus canadienne.<\/p>\n\n\n\n<p>Prudence toutefois&nbsp;: si aucun b\u00e9n\u00e9ficiaire n\u2019a \u00e9t\u00e9 nomm\u00e9 dans votre police, c\u2019est votre \u00ab&nbsp;succession&nbsp;\u00bb qui sera d\u00e9sign\u00e9e par d\u00e9faut. Si tel est le cas, des frais d\u2019homologation (qu\u2019on appelle aussi l\u2019imp\u00f4t sur l\u2019administration des successions) pourraient \u00eatre d\u00e9duits de la prestation de d\u00e9c\u00e8s. (votre \u00ab&nbsp;succession&nbsp;\u00bb d\u00e9signe essentiellement tous vos actifs et passifs \u00e0 votre d\u00e9c\u00e8s).<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse27ea8dca\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse27ea8dca\" data-dig-id=\"LP-16396-27ea8dca\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Plus d\u2019information sur les imp\u00f4ts et l\u2019assurance vie\"><div>Plus d\u2019information sur les imp\u00f4ts et l\u2019assurance vie<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse27ea8dca\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Il existe d\u2019autres situations o\u00f9 l\u2019assurance vie peut \u00eatre imposable, p. ex. si vous avez une <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-entiere\/\" data-dig-id=\"LP-16396-79d861b7\" 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> ou <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-universelle\/\" data-dig-id=\"LP-16396-3d9f40e7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance vie universelle\" class=\"rbc-link-format\">assurance vie universelle<\/a> qui accumule une valeur de rachat. Consultez l\u2019article <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/types-assurance-vie\/\" data-dig-id=\"LP-16396-3c2dbdc4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Explication des types d\u2019assurance vie\" class=\"rbc-link-format\">Explication des types d\u2019assurance vie<\/a> pour en savoir plus sur l\u2019assurance vie \u00e0 valeur de rachat. Pour en savoir plus sur les imp\u00f4ts et l\u2019assurance vie, consultez l\u2019article <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-vie\/vos-proches-paieront-ils-de-limpot-sur-le-produit-de-lassurance-vie\/\" data-dig-id=\"LP-16396-66978bd2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Le montant vers\u00e9 au titre d\u2019une assurance vie est-il imposable ?\" class=\"rbc-link-format\">Le montant vers\u00e9 au titre d\u2019une assurance vie est-il imposable ?<\/a><\/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-titlefuhsvygy\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfuhsvygy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-16396-445fed12\" aria-controls=\"accordionfuhsvygy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"3. Votre famille peut utiliser la prestation de d\u00e9c\u00e8s comme bon lui semble\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>3. Votre famille peut utiliser la prestation de d\u00e9c\u00e8s comme bon lui semble<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfuhsvygy\" role=\"region\" aria-labelledby=\"accordion-titlefuhsvygy\"><div class=\"collapse-inner\">\n<p>Vos b\u00e9n\u00e9ficiaires sont libres d\u2019utiliser la prestation de d\u00e9c\u00e8s comme bon leur semble. Par exemple, ils peuvent utiliser l\u2019argent pour&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>r\u00e9gler les frais de garderie ou les d\u00e9penses du m\u00e9nage&nbsp;;<\/li>\n\n\n\n<li>rembourser votre pr\u00eat hypoth\u00e9caire en tout ou en partie&nbsp;;<\/li>\n\n\n\n<li>r\u00e9gler d\u2019autres dettes comme le solde de cartes de cr\u00e9dit ou un pr\u00eat auto&nbsp;;<\/li>\n\n\n\n<li>payer les \u00e9tudes coll\u00e9giales ou universitaires de vos enfants&nbsp;;<\/li>\n\n\n\n<li>couvrir les fun\u00e9railles et d\u2019autres d\u00e9penses de fin de vie.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"mar-t-dbl mob-mar-t\">Voyez&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-vie\/calculatrice-assurance-vie\/index.html\" data-dig-id=\"LP-16396-f5dd09e2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"quel montant d\u2019assurance vie\" class=\"rbc-link-format\">quel montant d\u2019assurance vie<\/a>&nbsp;vous convient ou consultez l\u2019article&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-vie\/quest-ce-que-assurance-vie\/\" data-dig-id=\"LP-16396-685e1227\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Qu\u2019est-ce que l\u2019assurance vie?\" class=\"rbc-link-format\">Qu\u2019est-ce que l\u2019assurance vie?<\/a>&nbsp;pour plus de r\u00e9ponses \u00e0 des questions courantes.<\/p>\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-vous-avez-d-autres-questions-nbsp\">Vous avez d\u2019autres questions&nbsp;?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Adressez-vous \u00e0 un conseiller en assurance vie ou obtenez rapidement une soumission d\u2019assurance vie d\u00e8s maintenant.<\/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-16396-7b6e90d8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenir une soumission-https:\/\/silver.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie\/index.html \">Obtenir 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-vie\/index.html\" data-dig-id=\"LP-16396-7b6e90d8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifiez un appel-https:\/\/silver.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-vie\/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-16396-9da6e603\" 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>Vous avez besoin d\u2019aide\u00a0? <a href=\"tel:+18662237113\" data-dig-id=\"LP-16396-bd5b2b57\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Composez le 1\u00a0800\u00a0461-1413\" class=\"rbc-link-format\">Composez le 1\u00a0866 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 decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?quality=80&amp;w=606\" alt=\"Un p\u00e8re et son fils prot\u00e9g\u00e9s par une assurance vie\n\" class=\"wp-image-18133\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Voyez&nbsp;quel montant d\u2019assurance vie&nbsp;vous convient ou consultez l\u2019article&nbsp;Qu\u2019est-ce que l\u2019assurance vie?&nbsp;pour plus de r\u00e9ponses \u00e0 des questions courantes.<\/p>\n","protected":false},"author":197,"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-16396","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>Fonctionnement de l\u2019assurance vie | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Bien que certains types d\u2019assurance vie puissent \u00eatre complexes, la plupart des couvertures sont faciles \u00e0 comprendre. 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