{"id":17706,"date":"2025-03-25T09:14:25","date_gmt":"2025-03-25T13:14:25","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/?page_id=17706"},"modified":"2026-03-27T09:27:36","modified_gmt":"2026-03-27T13:27:36","slug":"assurance-rachat-parts","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-entreprise\/assurance-rachat-parts\/","title":{"rendered":"Assurance rachat de parts"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/buy-sell-insurance-hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/buy-sell-insurance-hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-assurance-rachat-de-parts\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Assurance rachat de parts<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">L\u2019assurance rachat de parts peut permettre \u00e0 votre entreprise de poursuivre ses activit\u00e9s et prot\u00e9ger les int\u00e9r\u00eats financiers de la famille de chaque propri\u00e9taire.<\/p>\n\n\n\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-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/fr\/birf\/form.cgi\" data-dig-id=\"LP-17706-260e8e45\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Envoyez-nous un courriel-https:\/\/silver.rbcinsurance.com\/cgi-bin\/fr\/birf\/form.cgi \">Envoyez-nous un courriel<\/a><\/div>\n\n\n\n<p class=\" call-link\"><\/p>\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-17706-915cfbca\" 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<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center mar-t-dbl mob-mar-t-dbl\" id=\"h-protegez-votre-entreprise-et-les-personnes-qui-vous-sont-cheres\">Prot\u00e9gez votre entreprise et les personnes qui vous sont ch\u00e8res<\/h2>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-avantages-de-l-assurance-rachat-de-parts\">Avantages de l\u2019assurance rachat de parts<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">Si la convention de rachat de votre entreprise exige que les autres propri\u00e9taires ou associ\u00e9s rach\u00e8tent la part du propri\u00e9taire invalide ou d\u00e9c\u00e9d\u00e9, l\u2019assurance rachat de parts en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9 peut financer cette op\u00e9ration.<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Start-Application.svg);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\" id=\"h-rachat-de-la-participation\">Rachat de la participation<\/h4>\n<\/div>\n\n\n\n<p>Cette assurance pr\u00e9voit le versement d\u2019un paiement en esp\u00e8ces que les autres propri\u00e9taires ou associ\u00e9s peuvent utiliser pour racheter les parts du propri\u00e9taire invalide ou d\u00e9c\u00e9d\u00e9.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Family-Protection.svg);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\" id=\"h-propriete-de-la-police\">Propri\u00e9t\u00e9 de la police<\/h4>\n<\/div>\n\n\n\n<p>La police peut \u00eatre d\u00e9tenue par l\u2019entreprise, ou chaque propri\u00e9taire peut d\u00e9tenir une police sur la t\u00eate de chacun des autres propri\u00e9taires.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/taxes.svg);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\" id=\"h-actifs-de-l-entreprise\">Actifs de l\u2019entreprise<\/h4>\n<\/div>\n\n\n\n<p>Les propri\u00e9taires ou les associ\u00e9s n\u2019ont pas \u00e0 utiliser leurs propres fonds ou l\u2019actif de l\u2019entreprise pour financer le rachat.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\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 layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-c-est-le-bon-choix-si-nbsp\">C\u2019est le bon choix si&nbsp;:<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row 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<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Votre entreprise a plus d\u2019un propri\u00e9taire ou associ\u00e9.<\/li>\n\n\n\n<li>Vous ne voulez pas utiliser vos propres fonds pour racheter la participation d\u2019un propri\u00e9taire ou d\u2019un associ\u00e9 qui ne peut plus assurer la gestion de l\u2019entreprise.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Sommaire du r\u00e9gime<\/span><\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Assurance rachat en cas de d\u00e9c\u00e8s\">\n\t\t\t\t\tAssurance rachat en cas de d\u00e9c\u00e8s\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAssurance rachat en cas de d\u00e9c\u00e8s\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAssurance rachat de parts en cas d&#039;invalidit\u00e9\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Assurance rachat en cas de d\u00e9c\u00e8s<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Assurance rachat de parts en cas d&rsquo;invalidit\u00e9<\/div><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Assurance rachat en cas de d\u00e9c\u00e8s<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Nous offrons des montants d&rsquo;assurance \u00e9lev\u00e9s.<\/li>\n\n\n\n<li>Choisissez l\u2019assurance vie temporaire ou permanente.<\/li>\n\n\n\n<li>Le produit de l\u2019assurance vie n\u2019est pas imposable pour le b\u00e9n\u00e9ficiaire.<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Assurance rachat de parts en cas d&rsquo;invalidit\u00e9<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Les personnes de 18&nbsp;\u00e0 60&nbsp;ans sont admissibles.<\/li>\n\n\n\n<li>Nous offrons des montants d\u2019assurance \u00e9lev\u00e9s.<\/li>\n\n\n\n<li>La police peut \u00eatre maintenue en vigueur jusqu\u2019au 64<sup>e<\/sup>&nbsp;anniversaire de l\u2019assur\u00e9 ou \u00e0 son d\u00e9part de l\u2019entreprise<\/li>\n\n\n\n<li>Les prestations peuvent \u00eatre vers\u00e9es sous forme de mensualit\u00e9s ou de montant forfaitaire, ou d\u2019une combinaison des deux.<\/li>\n\n\n\n<li>Les prestations peuvent devenir payables apr\u00e8s 360&nbsp;jours d&rsquo;invalidit\u00e9 totale.<\/li>\n\n\n\n<li>Vous pouvez souscrire un avenant qui permet d&rsquo;augmenter la protection \u00e0 une date ult\u00e9rieure.<\/li>\n<\/ul>\n\n\n\n<p>Remarque&nbsp;: L\u2019entreprise doit \u00eatre une soci\u00e9t\u00e9 de personnes ou une soci\u00e9t\u00e9 professionnelle \u00e9tablie depuis au moins trois&nbsp;ans et avoir une valeur nette d&rsquo;au moins 50&nbsp;000&nbsp;$.<\/p>\n\n\n\n<p>L&rsquo;information fournie ci-dessus constitue un simple r\u00e9sum\u00e9. Veuillez consulter&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-maladie\/pdf\/disability-buy-sell-policy-sample.pdf\" target=\"_blank\" data-dig-id=\"LP-17706-d705694c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"l\u2019exemple de police\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\" rel=\"noreferrer noopener\">l\u2019exemple de police<\/a>&nbsp;pour obtenir tous les d\u00e9tails sur les dispositions de l\u2019assurance, y compris les garanties et les exclusions.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>FAQ sur l\u2019assurance rachat de parts<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Trouvez les r\u00e9ponses \u00e0 vos questions sur l\u2019assurance rachat de parts.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekql5zgc3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkql5zgc3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-kql5zgc3\" aria-controls=\"accordionkql5zgc3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce qu\u2019une convention de rachat\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce qu\u2019une convention de rachat\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkql5zgc3\" role=\"region\" aria-labelledby=\"accordion-titlekql5zgc3\"><div class=\"collapse-inner\">\n<p>Une convention de rachat est un contrat, en bonne et due forme, ou une clause annex\u00e9e \u00e0 la convention entre actionnaires, qui \u00e9nonce, entre autres, ce qui se passera lorsque l&rsquo;un des associ\u00e9s, des actionnaires ou des copropri\u00e9taires meurt, devient invalide de fa\u00e7on permanente ou quitte l&rsquo;entreprise. Si la convention exige que les associ\u00e9s, les actionnaires ou les copropri\u00e9taires survivants ach\u00e8tent la part dans l&rsquo;entreprise du propri\u00e9taire invalide ou d\u00e9c\u00e9d\u00e9, ceux-ci pourront financer l&rsquo;acquisition en souscrivant une assurance vie ou invalidit\u00e9.<\/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-title4cha750i\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4cha750i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-4cha750i\" aria-controls=\"accordion4cha750i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce qu'une convention de rachat unilat\u00e9rale\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce qu&rsquo;une convention de rachat unilat\u00e9rale\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4cha750i\" role=\"region\" aria-labelledby=\"accordion-title4cha750i\"><div class=\"collapse-inner\">\n<p>Si vous \u00eates propri\u00e9taire d&rsquo;une entreprise que vous ne g\u00e9rez pas activement, vous voudrez peut-\u00eatre en assurer la continuit\u00e9 apr\u00e8s votre d\u00e9c\u00e8s en permettant aux gestionnaires professionnels d&rsquo;acqu\u00e9rir votre entreprise. Une fa\u00e7on simple de le faire est d&rsquo;\u00e9tablir une convention unilat\u00e9rale de rachat dans laquelle les gestionnaires s&rsquo;engagent \u00e0 votre d\u00e9c\u00e8s \u00e0 racheter les int\u00e9r\u00eats que vous d\u00e9tenez dans l&rsquo;entreprise.<\/p>\n\n\n\n<p>Vous pouvez financer cette convention en souscrivant une police d&rsquo;assurance vie sur votre t\u00eate et en d\u00e9signant les gestionnaires comme b\u00e9n\u00e9ficiaires. Vous voudrez probablement que les gestionnaires soient les propri\u00e9taires de la police \u2013 et peut-\u00eatre qu&rsquo;ils paient les primes applicables. \u00c0 votre d\u00e9c\u00e8s, l&rsquo;assurance versera aux gestionnaires un capital en franchise d&rsquo;imp\u00f4t, leur permettant de racheter votre part.<\/p>\n\n\n\n<p>Cette fa\u00e7on de proc\u00e9der sera \u00e9galement avantageuse pour votre famille, qui sera certaine de recevoir le plus rapidement possible la valeur de votre participation dans l&rsquo;entreprise.<\/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-title28l1pgrv\" class=\"collapse-toggle collapsed\" data-target=\"#accordion28l1pgrv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-28l1pgrv\" aria-controls=\"accordion28l1pgrv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"En quoi consiste l\u2019assurance rachat de parts\u00a0en cas de d\u00e9c\u00e8s ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>En quoi consiste l\u2019assurance rachat de parts\u00a0en cas de d\u00e9c\u00e8s ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion28l1pgrv\" role=\"region\" aria-labelledby=\"accordion-title28l1pgrv\"><div class=\"collapse-inner\">\n<p>Si la convention de rachat exige que les associ\u00e9s, les actionnaires ou les copropri\u00e9taires survivants ach\u00e8tent la part du propri\u00e9taire d\u00e9c\u00e9d\u00e9, ceux-ci pourront financer l&rsquo;acquisition en souscrivant une assurance vie. Le capital-d\u00e9c\u00e8s vers\u00e9 en franchise d&rsquo;imp\u00f4t pourra alors \u00eatre utilis\u00e9 \u00e0 cette fin.<\/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-titlepp3i6ws0\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpp3i6ws0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-pp3i6ws0\" aria-controls=\"accordionpp3i6ws0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quel genre d\u2019assurance vie faut-il souscrire pour financer une convention de rachat de parts\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quel genre d\u2019assurance vie faut-il souscrire pour financer une convention de rachat de parts\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpp3i6ws0\" role=\"region\" aria-labelledby=\"accordion-titlepp3i6ws0\"><div class=\"collapse-inner\">\n<p>Vous pouvez choisir entre plusieurs types d&rsquo;assurance vie. Si vous pr\u00e9voyez que le cycle de vie de votre entreprise sera de courte dur\u00e9e \u2013 disons 10 ou 20 ans \u2013 ou si vous comptez renoncer \u00e0 votre part dans l\u2019entreprise \u00e0 la retraite, l\u2019assurance vie temporaire peut \u00eatre une solution int\u00e9ressante pour vous. Son co\u00fbt est moins \u00e9lev\u00e9 que les autres formules d&rsquo;assurance et le titulaire de la police peut la laisser tomber en d\u00e9ch\u00e9ance lorsque l&rsquo;entreprise ferme ses portes. Ou bien, si vous pensez que l&rsquo;entreprise continuera d&rsquo;\u00eatre exploit\u00e9e pendant une plus longue p\u00e9riode, vous pr\u00e9f\u00e9rerez peut-\u00eatre l&rsquo;assurance vie permanente. L&rsquo;assurance vie permanente \u2013 comme une assurance vie universelle \u2013 peut \u00eatre utilis\u00e9e lorsque votre entreprise veut profiter d&rsquo;une garantie d&rsquo;assurabilit\u00e9 et qu&rsquo;elle entrevoit d&rsquo;autres besoins d&rsquo;assurance apr\u00e8s la p\u00e9riode vis\u00e9e par la convention de rachat de parts d&rsquo;associ\u00e9s. Par exemple, vous voudrez peut-\u00eatre financer la convention de rachat jusqu&rsquo;\u00e0 l&rsquo;\u00e2ge de la retraite, pour ensuite utiliser l&rsquo;assurance afin de payer l\u2019imp\u00f4t successoral.<\/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-titlex5174si7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionx5174si7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-x5174si7\" aria-controls=\"accordionx5174si7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qui devrait d\u00e9tenir la police d\u2019assurance rachat en cas de d\u00e9c\u00e8s\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qui devrait d\u00e9tenir la police d\u2019assurance rachat en cas de d\u00e9c\u00e8s\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionx5174si7\" role=\"region\" aria-labelledby=\"accordion-titlex5174si7\"><div class=\"collapse-inner\">\n<p>G\u00e9n\u00e9ralement, la solution la plus simple consiste \u00e0 faire souscrire la police par les autres associ\u00e9s ou actionnaires parce qu&rsquo;ils recevront ainsi le capital-d\u00e9c\u00e8s en franchise d&rsquo;imp\u00f4t. Cette solution porte le nom de financement par rachat r\u00e9ciproque. La police peut \u00e9galement \u00eatre d\u00e9tenue par l&rsquo;entreprise, auquel cas le capital assur\u00e9 sera vers\u00e9 en franchise d&rsquo;imp\u00f4t \u00e0 la compagnie qui appliquera alors les dispositions stipul\u00e9es dans la convention de rachat de parts d&rsquo;associ\u00e9s.<\/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-titleoxp2f0xw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionoxp2f0xw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-oxp2f0xw\" aria-controls=\"accordionoxp2f0xw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quelles entreprises devraient se procurer une assurance rachat de parts en cas d\u2019invalidit\u00e9\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quelles entreprises devraient se procurer une assurance rachat de parts en cas d\u2019invalidit\u00e9\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionoxp2f0xw\" role=\"region\" aria-labelledby=\"accordion-titleoxp2f0xw\"><div class=\"collapse-inner\">\n<p>L&rsquo;assurance rachat de parts en cas d&rsquo;invalidit\u00e9 est destin\u00e9e principalement aux soci\u00e9t\u00e9s de personnes et aux soci\u00e9t\u00e9s par actions professionnelles comptant de deux \u00e0 cinq dirigeants. (Les soci\u00e9t\u00e9s et associations qui comptent de six \u00e0 dix dirigeants peuvent aussi \u00eatre admissibles.) La police est tr\u00e8s utile dans le cas des soci\u00e9t\u00e9s de personnes et des soci\u00e9t\u00e9s comptant un petit nombre d\u2019actionnaires avec moins de 50&nbsp;employ\u00e9s, ayant un chiffre d\u2019affaires annuel pouvant aller jusqu\u2019\u00e0 10&nbsp;millions de dollars et exer\u00e7ant ses activit\u00e9s dans un secteur stable.<\/p>\n\n\n\n<p>Les entreprises les plus susceptibles d&rsquo;avoir besoin de cette protection sont&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>les cabinets d&rsquo;experts-comptables<\/li>\n\n\n\n<li>les agences de publicit\u00e9<\/li>\n\n\n\n<li>les cabinets d&rsquo;architectes<\/li>\n\n\n\n<li>les agences de placement<\/li>\n\n\n\n<li>les firmes d&rsquo;ing\u00e9nierie<\/li>\n\n\n\n<li>les entreprises de haute technologie et de mat\u00e9riel informatique<\/li>\n\n\n\n<li>les cabinets juridiques<\/li>\n\n\n\n<li>les cabinets m\u00e9dicaux et les cliniques<\/li>\n\n\n\n<li>les cabinets d&rsquo;ost\u00e9opathie<\/li>\n\n\n\n<li>les petits fabricants<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleagmv4o5i\" class=\"collapse-toggle collapsed\" data-target=\"#accordionagmv4o5i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-agmv4o5i\" aria-controls=\"accordionagmv4o5i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qui est le titulaire de l\u2019assurance rachat de parts en cas d\u2019invalidit\u00e9\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qui est le titulaire de l\u2019assurance rachat de parts en cas d\u2019invalidit\u00e9\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionagmv4o5i\" role=\"region\" aria-labelledby=\"accordion-titleagmv4o5i\"><div class=\"collapse-inner\">\n<p>Le titulaire du contrat peut \u00eatre la soci\u00e9t\u00e9 de capitaux ou de personnes (rachat par l&rsquo;entreprise), ou encore chaque propri\u00e9taire peut souscrire un contrat assurant chacun des autres propri\u00e9taires (rachat r\u00e9ciproque). Le rachat par l&rsquo;entreprise peut \u00eatre pr\u00e9f\u00e9rable lorsqu&rsquo;il y a plus de deux propri\u00e9taires, et ce, en vue d&rsquo;\u00e9viter l&rsquo;\u00e9tablissement de plusieurs contrats. L&rsquo;\u00e9tablissement d&rsquo;une convention de rachat de parts en cas d&rsquo;invalidit\u00e9, en bonne et due forme, est tr\u00e8s important, puisque c&rsquo;est elle qui dicte les conditions du rachat. Cette convention n&rsquo;est pas requise aux fins de l&rsquo;\u00e9tablissement du contrat mais le sera au moment de la demande de r\u00e8glement. Toute personne qui demande une assurance rachat de parts en cas d\u2019invalidit\u00e9 doit \u00eatre titulaire d\u2019une police d\u2019assurance invalidit\u00e9 individuelle ou \u00eatre en voie d\u2019en faire la demande aupr\u00e8s de RBC&nbsp;Assurances.<\/p>\n\n\n\n<p>Les propri\u00e9taires de l&rsquo;entreprise doivent \u00e9galement \u00eatre couverts par une assurance rachat de parts en cas de d\u00e9c\u00e8s afin de prot\u00e9ger l&rsquo;entreprise advenant le d\u00e9c\u00e8s d&rsquo;un des propri\u00e9taires assur\u00e9s.<\/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-title84j0lyeg\" class=\"collapse-toggle collapsed\" data-target=\"#accordion84j0lyeg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-84j0lyeg\" aria-controls=\"accordion84j0lyeg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Pendant combien de temps l\u2019assurance rachat de parts en cas d\u2019invalidit\u00e9 peut-elle \u00eatre renouvel\u00e9e\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Pendant combien de temps l\u2019assurance rachat de parts en cas d\u2019invalidit\u00e9 peut-elle \u00eatre renouvel\u00e9e\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion84j0lyeg\" role=\"region\" aria-labelledby=\"accordion-title84j0lyeg\"><div class=\"collapse-inner\">\n<p>L&rsquo;assurance rachat de parts en cas d&rsquo;invalidit\u00e9 offre une protection jusqu&rsquo;\u00e0&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>la date \u00e0 laquelle la personne assur\u00e9e atteint l&rsquo;\u00e2ge pr\u00e9cis\u00e9 dans le contrat ; ou<\/li>\n\n\n\n<li>la date \u00e0 laquelle la personne assur\u00e9e cesse de travailler \u00e0 temps plein dans l&rsquo;entreprise, pour une raison autre qu&rsquo;une invalidit\u00e9 totale ; ou<\/li>\n\n\n\n<li>la date \u00e0 laquelle le plafond d&rsquo;indemnisation est atteint ; ou<\/li>\n\n\n\n<li>la date \u00e0 laquelle l\u2019un des associ\u00e9s d\u00e9tient une certaine part de l\u2019entreprise qui est stipul\u00e9e dans le contrat.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titley682n9kd\" class=\"collapse-toggle collapsed\" data-target=\"#accordiony682n9kd\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-17706-y682n9kd\" aria-controls=\"accordiony682n9kd\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quelles sont les options d\u2019indemnisation de l\u2019assurance rachat de parts en cas d\u2019invalidit\u00e9\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quelles sont les options d\u2019indemnisation de l\u2019assurance rachat de parts en cas d\u2019invalidit\u00e9\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiony682n9kd\" role=\"region\" aria-labelledby=\"accordion-titley682n9kd\"><div class=\"collapse-inner\">\n<p>\u00c0 la souscription du contrat, deux options de versement des prestations sont offertes&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>Les&nbsp;<strong>mensualit\u00e9s uniformes<\/strong>&nbsp;procurent la tranquillit\u00e9 d\u2019esprit de savoir que des versements r\u00e9guliers permettront de financer le rachat. Cette option de r\u00e8glement \u00e9conomique pr\u00e9voit le versement de 60&nbsp;mensualit\u00e9s \u00e9gales, sans int\u00e9r\u00eat. Le versement des mensualit\u00e9s cesse en cas de d\u00e9c\u00e8s du propri\u00e9taire ou de l&rsquo;associ\u00e9 assur\u00e9 invalide.<\/li>\n\n\n\n<li>L\u2019option&nbsp;<strong>Provisionnement flexible<\/strong>&nbsp;permet au titulaire de choisir entre un montant forfaitaire, une s\u00e9rie de versements p\u00e9riodiques et un montant forfaitaire partiel suivi d\u2019une s\u00e9rie de versements p\u00e9riodiques.<\/li>\n<\/ul>\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-vous-voulez-en-savoir-plus\">Vous voulez en savoir plus ?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Demandez-nous comment l\u2019assurance rachat de parts peut vous aider \u00e0 prot\u00e9ger votre entreprise.<\/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\/cgi-bin\/fr\/birf\/form.cgi\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-17706-8606127d\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Envoyez-nous un courriel-https:\/\/silver.rbcinsurance.com\/cgi-bin\/fr\/birf\/form.cgi \">Envoyez-nous un courriel<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\" get-your-free-quote \"><\/p>\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-17706-580e5382\" 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><a href=\"https:\/\/services.rbcassurances.com\/boutiqueetdeconseiller\/\" target=\"_blank\" data-dig-id=\"LP-17706-6ebd982e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Trouvez une boutique ou un conseiller\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Trouvez une boutique ou un conseille<\/a><a href=\"https:\/\/services.rbcassurances.com\/boutiqueetdeconseiller\/\" data-dig-id=\"LP-17706-6ebd982e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Trouvez une boutique ou un conseiller\" class=\"rbc-link-format\">r<\/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=\"606\" height=\"564\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/buy-sell-insurance-606x564-1.webp?quality=80&amp;w=606\" alt=\"Les propri\u00e9taires de caf\u00e9s prot\u00e9g\u00e9s par une assurance commerciale\" class=\"wp-image-18226\" srcset=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/buy-sell-insurance-606x564-1.webp 606w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/buy-sell-insurance-606x564-1.webp?resize=300,279 300w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/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-17706-9ac11211\" 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><\/sup><\/div><div class=\"table-cell\">\n<p>L&rsquo;information fournie ci-dessus constitue un simple r\u00e9sum\u00e9. Veuillez consulter&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-maladie\/pdf\/disability-buy-sell-policy-sample.pdf\" target=\"_blank\" data-dig-id=\"LP-17706-98f89bd9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"l\u2019exemple de police\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\" rel=\"noreferrer noopener\">l\u2019exemple de police<\/a>&nbsp;pour obtenir tous les d\u00e9tails sur les dispositions de l\u2019assurance, y compris les garanties et les exclusions.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Prot\u00e9gez votre entreprise et les personnes qui vous sont ch\u00e8res<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":11583,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17706","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>Assurance rachat de parts | RBC Assurances<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment l\u2019assurance rachat de parts peut aider \u00e0 prot\u00e9ger votre entreprise, vos proches et vos partenaires en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s d\u2019un associ\u00e9 ou d\u2019un actionnaire.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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