{"id":6980,"date":"2019-05-01T10:30:27","date_gmt":"2019-05-01T14:30:27","guid":{"rendered":"https:\/\/finvest.ca\/?p=6980"},"modified":"2019-05-01T10:30:28","modified_gmt":"2019-05-01T14:30:28","slug":"comprendre-lassurance-vie","status":"publish","type":"post","link":"https:\/\/finvest.ca\/en\/comprendre-lassurance-vie\/","title":{"rendered":"Comprendre l&rsquo;assurance vie"},"content":{"rendered":"<table class=\"wp-block-table\"><tbody><tr><\/tr><\/tbody><\/table>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>Le 24 avril 2019&nbsp;<br><strong>Comprendre l\u2019assurance vie<\/strong><br>&nbsp;&nbsp;<br>Nous vivons dans un monde en constante \u00e9volution o\u00f9 le rythme de vie qu\u2019il nous impose est quelques fois \u00e9tourdissant. Le premier objectif d\u2019une assurance vie est de procurer une stabilit\u00e9 financi\u00e8re aux survivants lors de la perte d\u2019un \u00eatre cher. G\u00e9n\u00e9ralement libre d\u2019imp\u00f4t, le produit d\u2019une assurance vie les aidera \u00e0 faire face \u00e0 leur nouvelle r\u00e9alit\u00e9.<br><br><strong>Les entrepreneurs<\/strong><br>Votre convention entre actionnaires inclue, sans doute, une clause qui vous force \u00e0 racheter les parts d\u2019un actionnaire qui d\u00e9c\u00e8de et ce, \u00e0 sa juste valeur marchande. D\u2019o\u00f9 proviendra cette somme? Il existe une classe d\u2019assurance vie qui adresse cette situation.<br><br>Le d\u00e9c\u00e8s d\u2019un actionnaire perturbera sans aucun doute le fonctionnement de l\u2019entreprise. Assurer sur la vie chaque actionnaire au b\u00e9n\u00e9fice de l\u2019entreprise l\u2019aidera \u00e0 se remettre de son d\u00e9c\u00e8s.<br>&nbsp;<br><strong>Les individus<\/strong><br><br><strong>Les derni\u00e8res d\u00e9penses<\/strong><br>Un d\u00e9c\u00e8s subit peut laisser les h\u00e9ritiers, m\u00eame d\u2019un c\u00e9libataire, avec un lot de dettes \u00e0 acquitter&nbsp;: frais fun\u00e9raires, pr\u00eat auto, cartes de cr\u00e9dit, dettes personnelles. Le fruit de l\u2019assurance vie aidera \u00e0 les \u00e9ponger.<br><br><strong>Hypoth\u00e8que et dettes<\/strong><br>Vous pouvez souscrire une assurance vie sp\u00e9cifique pour rembourser votre hypoth\u00e8que et vos dettes personnelles diminuant ainsi le stress financier de vos \u00eatres chers et leur permettant de demeurer dans la maison familiale.<br><br><strong>Remplacement de revenus<\/strong><br>La perte soudaine de revenus peut avoir un impact n\u00e9gatif significatif sur les membres survivants de la famille. Le produit d\u2019une assurance vie les aidera \u00e0 maintenir leur train de vie.<br><br>&nbsp;<br><strong>L\u2019assurance vie peut vous aider m\u00eame de votre vivant<\/strong><br>&nbsp;<br><strong>\u00c9conomiser \u00e0 l\u2019abri de l\u2019imp\u00f4t<\/strong><br>Certaines assurances vie permanentes (vie enti\u00e8re) accumulent des valeurs de rachat qui pourront servir pour d\u00e9frayer une d\u00e9pense impr\u00e9vue ou lors de la retraite.<br><br>L\u2019assurance vie universelle combine une portion assurance vie et une portion \u00e9pargne-placement. Vous pouvez choisir d\u2019investir les sommes parmi plusieurs types de placements, par exemple dans des fonds distincts. Ce type d\u2019assurance, malgr\u00e9 son nom, n\u2019est pas pour tout le monde.<br><br><strong>Planification successorale<\/strong><br>Le transfert du patrimoine d\u2019un conjoint \u00e0 l\u2019autre se fait libre d\u2019imp\u00f4t. Ce n\u2019est pas le cas lors du transfert aux enfants. Au moment du d\u00e9c\u00e8s du dernier conjoint, les actifs sont pr\u00e9sum\u00e9s liquid\u00e9s et les imp\u00f4ts qui en d\u00e9coulent sont payables \u00e0 tr\u00e8s court terme.<br><br>Cette situation peut forcer les h\u00e9ritiers \u00e0 vendre une portion du patrimoine \u00e0 rabais afin d\u2019acquitter ces imp\u00f4ts, faute de liquidit\u00e9s.<br><br>L\u2019assurance vie second d\u00e9c\u00e8s procure aux h\u00e9ritiers des liquidit\u00e9s pour faire face \u00e0 ces d\u00e9penses fiscales.<br><strong>Je vous encourage \u00e0 me contacter pour d\u2019autres questions et \u00e0 discuter de vos besoins plus en d\u00e9tail.<\/strong>&nbsp;&nbsp;<strong>Mauro DiCesare, B.Comm, Pl.Fin<\/strong><br>Planificateur Financier\/Financial Planner&nbsp;<br>Financial Security Advisor\/Conseiller en S\u00e9curit\u00e9 Financi\u00e8re avec Groupe Financier Finvest Inc.<br>Mutual Fund Representative\/Repr\u00e9sentant en \u00e9pargne collective avec Investia Services Financiers&nbsp;Inc.<br>514-376-7771<\/td><\/tr><\/tbody><\/table>","protected":false},"excerpt":{"rendered":"<p>Le 24 avril 2019&nbsp;Comprendre l\u2019assurance vie&nbsp;&nbsp;Nous vivons dans un monde en constante \u00e9volution o\u00f9 le rythme de vie qu\u2019il nous impose est quelques fois \u00e9tourdissant. Le premier objectif d\u2019une assurance vie est de procurer une stabilit\u00e9 financi\u00e8re aux survivants lors de la perte d\u2019un \u00eatre cher. G\u00e9n\u00e9ralement libre d\u2019imp\u00f4t, le produit d\u2019une assurance vie les [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6980","post","type-post","status-publish","format-standard","hentry","category-non-classe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comprendre l&#039;assurance vie - Finvest<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finvest.ca\/en\/comprendre-lassurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprendre l&#039;assurance vie - Finvest\" \/>\n<meta property=\"og:description\" content=\"Le 24 avril 2019&nbsp;Comprendre l\u2019assurance vie&nbsp;&nbsp;Nous vivons dans un monde en constante \u00e9volution o\u00f9 le rythme de vie qu\u2019il nous impose est quelques fois \u00e9tourdissant. 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