{"id":258,"date":"2024-06-08T03:12:11","date_gmt":"2024-06-08T03:12:11","guid":{"rendered":"http:\/\/13.82.168.138\/?page_id=258"},"modified":"2024-07-21T03:32:20","modified_gmt":"2024-07-21T03:32:20","slug":"t-1-s-4-assurance-vie-universelle","status":"publish","type":"page","link":"https:\/\/zhili.ca\/index.php\/t-1-life-insurance-fr\/t-1-s-4-assurance-vie-universelle\/","title":{"rendered":"Assurance vie universelle"},"content":{"rendered":"\n

L’assurance vie universelle est un type d’assurance vie permanente flexible qui combine la protection de l’assurance temporaire avec une composante d’\u00e9pargne investie pour offrir une croissance de la valeur de rachat. Voici les principales caract\u00e9ristiques et avantages :<\/p>\n\n\n\n

    \n
  1. Paiements de Primes Flexibles<\/strong> : Les titulaires de police peuvent choisir de payer la prime minimale pour maintenir la police en vigueur ou de payer davantage pour augmenter la valeur de rachat de la police. Cette flexibilit\u00e9 permet aux titulaires de police d’ajuster leurs paiements en fonction de leur situation financi\u00e8re.<\/li>\n\n\n\n
  2. Accumulation de la Valeur de Rachat<\/strong> : La police comprend une composante de valeur de rachat qui cro\u00eet en fonction des choix d’investissement du titulaire de la police. Ces choix peuvent inclure des actions, des obligations ou des fonds du march\u00e9 mon\u00e9taire, offrant ainsi un potentiel d’appr\u00e9ciation de la valeur de rachat.<\/li>\n\n\n\n
  3. Avantages Fiscaux<\/strong> : La croissance de la valeur de rachat est g\u00e9n\u00e9ralement report\u00e9e en termes d’imp\u00f4ts, ce qui signifie que les titulaires de police ne paient pas d’imp\u00f4ts sur les gains tant que la police est en vigueur. Les imp\u00f4ts peuvent n’\u00eatre dus que lorsque des fonds sont retir\u00e9s ou emprunt\u00e9s contre la police.<\/li>\n\n\n\n
  4. Prestation de D\u00e9c\u00e8s Ajustable<\/strong> : Les titulaires de police peuvent ajuster le montant de la prestation de d\u00e9c\u00e8s pour r\u00e9pondre \u00e0 leurs besoins changeants et \u00e0 leurs circonstances de vie. Cette flexibilit\u00e9 aide la police \u00e0 s’adapter aux objectifs \u00e0 long terme du titulaire de la police.<\/li>\n\n\n\n
  5. Fonctionnalit\u00e9s de Pr\u00eat et de Retrait<\/strong> : Les titulaires de police peuvent emprunter ou retirer des fonds de la valeur de rachat de la police en cas de besoin. Ces fonds peuvent \u00eatre utilis\u00e9s pour des urgences, des frais d’\u00e9ducation ou d’autres besoins financiers. Cependant, les retraits et les pr\u00eats peuvent affecter la valeur de rachat et la prestation de d\u00e9c\u00e8s de la police.<\/li>\n<\/ol>\n\n\n\n

    L’assurance vie universelle convient aux personnes qui souhaitent une protection \u00e0 long terme tout en cherchant \u00e0 accro\u00eetre leur richesse et \u00e0 g\u00e9rer leurs besoins financiers de mani\u00e8re flexible. Lors de l’achat d’une assurance vie universelle, les titulaires de police doivent prendre en compte leur situation financi\u00e8re et choisir le plan de paiement des primes et les options d’investissement appropri\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"

    L’assurance vie universelle est un type d’assurance vie permanente flexible qui combine la protection de l’assurance temporaire avec une composante d’\u00e9pargne investie pour offrir une croissance de la valeur de rachat. Voici les principales caract\u00e9ristiques et avantages : L’assurance vie universelle convient aux personnes qui souhaitent une protection \u00e0 long terme tout en cherchant \u00e0 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":126,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-258","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\nAssurance vie universelle - Zhili Insurance<\/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:\/\/zhili.ca\/index.php\/t-1-life-insurance-fr\/t-1-s-4-assurance-vie-universelle\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance vie universelle - Zhili Insurance\" \/>\n<meta property=\"og:description\" content=\"L’assurance vie universelle est un type d’assurance vie permanente flexible qui combine la protection de l’assurance temporaire avec une composante d’\u00e9pargne investie pour offrir une croissance de la valeur de rachat. 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