{"id":9592,"date":"2019-08-19T06:59:54","date_gmt":"2019-08-19T06:59:54","guid":{"rendered":"https:\/\/gsa.mwhost.ca\/faq\/"},"modified":"2024-04-17T20:36:36","modified_gmt":"2024-04-17T20:36:36","slug":"faq","status":"publish","type":"page","link":"https:\/\/gsafinancialservices.com\/fr\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9592\" class=\"elementor elementor-9592 elementor-111\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6efffb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6efffb5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0d48f07\" data-id=\"0d48f07\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c1134d elementor-widget elementor-widget-elementskit-heading\" data-id=\"0c1134d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><div class=\"ekit_heading_separetor_wraper ekit_heading_elementskit-border-divider elementskit-style-long\"><div class=\"elementskit-border-divider elementskit-style-long\"><\/div><\/div><h2 class=\"ekit-heading--title elementskit-section-title \">Foire aux questions<\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c1d01a7 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c1d01a7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-6bd5acdf\" data-id=\"6bd5acdf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b88a0e8 service-faq elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b88a0e8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69f0dbd627aeb\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b88a0e8\">\n                        <a href=\"#collapse-2a8e9a269f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2a8e9a269f0dbd627aeb\" aria-expanded=\"true\" aria-controls=\"Collapse-2a8e9a269f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quel est le montant de l&#039;assurance vie dont j&#039;ai besoin ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2a8e9a269f0dbd627aeb\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Le montant de l'assurance vie dont vous avez besoin d\u00e9pend de votre situation personnelle, notamment de vos obligations financi\u00e8res et de vos objectifs. En r\u00e8gle g\u00e9n\u00e9rale, le montant de l'assurance doit correspondre \u00e0 5 \u00e0 10 fois votre revenu annuel, mais une \u00e9valuation plus pr\u00e9cise tiendra compte de vos dettes, de vos d\u00e9penses et de vos besoins financiers futurs. Nos courtiers peuvent vous aider \u00e0 y voir plus clair.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b88a0e8\">\n                        <a href=\"#collapse-362f2ed69f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-362f2ed69f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-362f2ed69f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Comment choisir la bonne police d&#039;assurance vie ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-362f2ed69f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Pour choisir la bonne police, il faut \u00e9valuer sa situation financi\u00e8re, ses objectifs et son budget. L'assurance-vie temporaire est souvent plus abordable, tandis que l'assurance-vie permanente offre une couverture \u00e0 vie avec une composante d'investissement.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b88a0e8\">\n                        <a href=\"#collapse-6eeadb569f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6eeadb569f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-6eeadb569f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quels sont les facteurs qui influencent les primes d&#039;assurance-vie ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6eeadb569f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Plusieurs facteurs peuvent avoir une incidence sur vos primes d'assurance vie :<\/p><ul><li>L'\u00e2ge : les personnes plus jeunes paient g\u00e9n\u00e9ralement des primes moins \u00e9lev\u00e9es.<\/li><li>La sant\u00e9 : Votre \u00e9tat de sant\u00e9 g\u00e9n\u00e9ral et vos ant\u00e9c\u00e9dents m\u00e9dicaux jouent un r\u00f4le important.<\/li><li>Le montant de la couverture : Des montants de couverture plus \u00e9lev\u00e9s entra\u00eenent des primes plus \u00e9lev\u00e9es.<\/li><li>Smoking status: Smokers often pay higher premiums.<\/li><li>Le tabagisme : Les fumeurs paient souvent des primes plus \u00e9lev\u00e9es.<\/li><li>Le mode de vie : Les loisirs ou les professions \u00e0 risque peuvent faire augmenter les primes.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-b88a0e8\">\n                        <a href=\"#collapse-43982bb69f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-43982bb69f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-43982bb69f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Dois-je souscrire une assurance vie si je suis c\u00e9libataire et sans personne \u00e0 charge ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-43982bb69f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>M\u00eame si vous \u00eates c\u00e9libataire et sans personne \u00e0 charge, l'assurance vie peut \u00eatre b\u00e9n\u00e9fique. Elle peut vous aider \u00e0 couvrir les frais d'obs\u00e8ques, les dettes en cours ou \u00e0 laisser un h\u00e9ritage \u00e0 vos proches ou \u00e0 des \u0153uvres de bienfaisance. En outre, le fait de souscrire une assurance vie lorsque vous \u00eates jeune et en bonne sant\u00e9 peut vous permettre de b\u00e9n\u00e9ficier de primes moins \u00e9lev\u00e9es.<br \/>jeunes et en bonne sant\u00e9, les primes peuvent \u00eatre moins \u00e9lev\u00e9es. Le pire, c'est que les probl\u00e8mes de sant\u00e9 qui se sont d\u00e9velopp\u00e9s avec le temps peuvent m\u00eame vous emp\u00eacher de souscrire une police d'assurance vie \u00e0 prime standard si vous attendez trop longtemps avant de demander une assurance vie.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-b88a0e8\">\n                        <a href=\"#collapse-7a939aa69f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7a939aa69f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-7a939aa69f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quelles sont les diff\u00e9rences entre l&#039;assurance-vie temporaire et l&#039;assurance-vie permanente (enti\u00e8re) ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7a939aa69f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li>L'assurance vie temporaire expire \u00e0 l'\u00e2ge de 80 ans (85 ans chez certains assureurs) et l'assurance vie permanente n'expire pas tant que la prime est pay\u00e9e.<\/li><li>La prime de l'assurance-vie temporaire augmentera consid\u00e9rablement au moment du renouvellement, alors que celle de l'assurance-vie permanente est fixe \u00e0 vie.<\/li><li>Lorsque vous r\u00e9siliez une assurance-vie permanente, vous pouvez r\u00e9cup\u00e9rer une partie ou la totalit\u00e9 de ce que vous avez pay\u00e9 ; vous ne r\u00e9cup\u00e9rez aucune prime lorsque vous r\u00e9siliez une assurance-vie temporaire.<\/li><li>La valeur de rachat d'une police d'assurance vie permanente augmente avec le temps. Si vous manquez occasionnellement un ou quelques paiements, la valeur de rachat peut automatiquement payer vos primes de sorte que votre police ne tombe pas imm\u00e9diatement en d\u00e9ch\u00e9ance.<\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-b88a0e8\">\n                        <a href=\"#collapse-ea68d4669f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ea68d4669f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-ea68d4669f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quelles sont les diff\u00e9rences entre l&#039;assurance vie hypoth\u00e9caire et l&#039;assurance vie temporaire ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ea68d4669f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li>L'assurance-vie hypoth\u00e9caire est une assurance-vie fournie par votre banque pour couvrir le solde restant d\u00fb de votre pr\u00eat hypoth\u00e9caire. Vous payez la m\u00eame prime mensuelle alors que votre couverture diminue ; comme pour une assurance vie temporaire fournie par les compagnies d'assurance, vous payez une prime mensuelle fixe alors que votre couverture reste inchang\u00e9e.<\/li><li>Vous devez renouveler votre assurance-vie hypoth\u00e9caire chaque fois que vous renouvelez votre pr\u00eat hypoth\u00e9caire, ce qui signifie que si votre \u00e9tat de sant\u00e9 a chang\u00e9, votre banque peut refuser votre couverture d'assurance-vie. Si vous souscrivez une assurance vie temporaire d\u00e8s le d\u00e9part, votre assurabilit\u00e9 est bloqu\u00e9e pour toujours et vous n'aurez plus \u00e0 vous pr\u00e9occuper de vos futurs probl\u00e8mes de sant\u00e9.<\/li><li>Le b\u00e9n\u00e9ficiaire d'une assurance vie hypoth\u00e9caire est la banque, tandis que le b\u00e9n\u00e9ficiaire d'une assurance vie temporaire est celui ou ceux que vous choisissez. Il s'agit g\u00e9n\u00e9ralement de vos proches que vous souhaitez prot\u00e9ger financi\u00e8rement de votre d\u00e9c\u00e8s.<\/li><li>Lorsque vous obtenez une assurance-vie hypoth\u00e9caire aupr\u00e8s de votre banque, vous n'\u00eates pas s\u00fbr d'\u00eatre r\u00e9ellement couvert, car la souscription se fait au moment du sinistre, et non au moment de la demande. Une assurance vie temporaire est garantie de paiement tant que votre demande est approuv\u00e9e, de sorte que vous avez la certitude que vos proches sont prot\u00e9g\u00e9s.<\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-b88a0e8\">\n                        <a href=\"#collapse-a92149269f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a92149269f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-a92149269f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quelles sont les diff\u00e9rences entre l&#039;assurance vie enti\u00e8re et l&#039;assurance vie universelle ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a92149269f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li>La prime d'une police d'assurance vie enti\u00e8re est investie par la compagnie d'assurance qui per\u00e7oit le rendement de l'investissement tout en vous restituant chaque ann\u00e9e un montant garanti (non garanti dans le cas d'une police avec participation) en tant que valeur de rachat de votre police.<\/li><li>La prime d'une police d'assurance vie universelle est investie sur le march\u00e9 financier par le biais des fonds que vous choisissez au sein de votre police. Par cons\u00e9quent, vous recevez tous les rendements des investissements (moins les frais de gestion de l'assureur) sous la forme de la valeur de rachat accumul\u00e9e de votre police. Comme le march\u00e9 fluctue, le rendement n'est pas garanti et peut m\u00eame \u00eatre n\u00e9gatif certaines ann\u00e9es. Toutefois, si la police est bien structur\u00e9e, c'est le moyen le plus \u00e9conomique d'obtenir une couverture d'assurance vie permanente.<\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-b88a0e8\">\n                        <a href=\"#collapse-d5cb67269f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d5cb67269f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-d5cb67269f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Le capital d\u00e9c\u00e8s est-il imposable ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d5cb67269f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Non. Tous les capitaux d\u00e9c\u00e8s sont vers\u00e9s en franchise d'imp\u00f4t et \u00e0 l'abri des cr\u00e9anciers. Toutefois, veillez \u00e0 d\u00e9signer vos proches comme b\u00e9n\u00e9ficiaires lorsque vous souscrivez une police d'assurance vie, sinon le capital d\u00e9c\u00e8s sera vers\u00e9 \u00e0 votre succession, qui ne sera pas \u00e0 l'abri des cr\u00e9anciers et fera l'objet de frais de notaire.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-b88a0e8\">\n                        <a href=\"#collapse-4199a0769f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4199a0769f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-4199a0769f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Puis-je souscrire une assurance vie si j&#039;ai des probl\u00e8mes de sant\u00e9 ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4199a0769f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oui, certaines compagnies d'assurance proposent une assurance vie sans examen m\u00e9dical, qui vous dispense de passer un examen m\u00e9dical lors de la proc\u00e9dure de souscription. En fonction de la gravit\u00e9 de votre \u00e9tat de sant\u00e9, il existe g\u00e9n\u00e9ralement quatre niveaux de primes. Notre courtier vous aidera \u00e0 d\u00e9terminer la prime \u00e0 laquelle vous pouvez pr\u00e9tendre.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-b88a0e8\">\n                        <a href=\"#collapse-17c749069f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-17c749069f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-17c749069f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Puis-je modifier ma police d&#039;assurance vie apr\u00e8s l&#039;avoir souscrite ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-17c749069f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oui, vous pouvez souvent modifier votre police d'assurance vie, par exemple en ajustant les montants de garantie, en ajoutant des avenants (caract\u00e9ristiques facultatives de la police) ou m\u00eame en transformant une police temporaire en une police permanente.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-b88a0e8\">\n                        <a href=\"#collapse-2dd30af69f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2dd30af69f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-2dd30af69f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Puis-je r\u00e9silier mon assurance-vie \u00e0 tout moment ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2dd30af69f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oui, vous pouvez r\u00e9silier votre police d'assurance vie \u00e0 tout moment sans p\u00e9nalit\u00e9. Cependant, lorsque vous r\u00e9siliez une police d'assurance vie temporaire, vous ne r\u00e9cup\u00e9rez aucune prime, ce qui fonctionne exactement comme une assurance automobile, alors que lorsque vous r\u00e9siliez une police d'assurance vie permanente, vous pouvez r\u00e9cup\u00e9rer la valeur de rachat accumul\u00e9e.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-b88a0e8\">\n                        <a href=\"#collapse-a4734f369f0dbd627aeb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a4734f369f0dbd627aeb\" aria-expanded=\"false\" aria-controls=\"Collapse-a4734f369f0dbd627aeb\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Dois-je payer le courtier ou vos services ?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a4734f369f0dbd627aeb\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-b88a0e8\" data-parent=\"#accordion-69f0dbd627aeb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Non, vous ne devez pas payer de frais en plus de votre prime d'assurance. Les courtiers sont r\u00e9mun\u00e9r\u00e9s par la compagnie d'assurance chaque fois qu'ils r\u00e9ussissent \u00e0 vendre une police d'assurance. Sachez qu'aucun courtier ou repr\u00e9sentant en assurance vie ne peut n\u00e9gocier les primes pour un client, ce qui signifie que vous obtiendrez le m\u00eame prix quel que soit le courtier avec lequel vous choisirez de travailler. Tous les prix sont les m\u00eames dans tout le pays et vous devez simplement laisser le courtier rechercher le meilleur prix pour vous.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                        <\/div>\n    <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-119ef4af\" data-id=\"119ef4af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21218cb4 overlay-box ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"21218cb4\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Vous \u00eates perplexe ?                <\/h3>\n                        \t\t  <p>Nos conseillers disposent des \u00e9l\u00e9ments n\u00e9cessaires pour vous permettre d'avoir une vue d'ensemble.<\/p>\n                                        <div class=\"box-footer disable_hover_button\">\n                    <div class=\"btn-wraper\">\n                                                            <a href=\"https:\/\/gsafinancialservices.com\/fr\/demander-un-devis\/\" target=\"_self\" rel=\"\" class=\"elementskit-btn whitespace--normal elementor-animation-\">\n                                                                                Obtenir un devis                                    <\/a>\n                                                        <\/div>\n                <\/div>\n                    <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Foire aux questions Quel est le montant de l&#039;assurance vie dont j&#039;ai besoin ? Le montant de l&rsquo;assurance vie dont vous avez besoin d\u00e9pend de votre situation personnelle, notamment de vos obligations financi\u00e8res et de vos objectifs. En r\u00e8gle g\u00e9n\u00e9rale, le montant de l&rsquo;assurance doit correspondre \u00e0 5 \u00e0 10 fois votre revenu annuel, mais [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template\/full-width-template.php","meta":{"footnotes":""},"class_list":["post-9592","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQ - GSA Financial Services<\/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:\/\/gsafinancialservices.com\/fr\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - GSA Financial Services\" \/>\n<meta property=\"og:description\" content=\"Foire aux questions Quel est le montant de l&#039;assurance vie dont j&#039;ai besoin ? Le montant de l&rsquo;assurance vie dont vous avez besoin d\u00e9pend de votre situation personnelle, notamment de vos obligations financi\u00e8res et de vos objectifs. En r\u00e8gle g\u00e9n\u00e9rale, le montant de l&rsquo;assurance doit correspondre \u00e0 5 \u00e0 10 fois votre revenu annuel, mais [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gsafinancialservices.com\/fr\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"GSA Financial Services\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/people\/GSA-Financial-Services\/100069954536584\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-17T20:36:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gsafinancialservices.com\/wp-content\/uploads\/2024\/04\/Screenshot-2024-02-15-135719.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1901\" \/>\n\t<meta property=\"og:image:height\" content=\"938\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gsafinancialservices.com\/fr\/faq\/\",\"url\":\"https:\/\/gsafinancialservices.com\/fr\/faq\/\",\"name\":\"FAQ - GSA Financial Services\",\"isPartOf\":{\"@id\":\"https:\/\/gsafinancialservices.com\/#website\"},\"datePublished\":\"2019-08-19T06:59:54+00:00\",\"dateModified\":\"2024-04-17T20:36:36+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/gsafinancialservices.com\/fr\/faq\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gsafinancialservices.com\/fr\/faq\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gsafinancialservices.com\/fr\/faq\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/gsafinancialservices.com\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gsafinancialservices.com\/#website\",\"url\":\"https:\/\/gsafinancialservices.com\/\",\"name\":\"GSA Financial Services\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/gsafinancialservices.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gsafinancialservices.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/gsafinancialservices.com\/#organization\",\"name\":\"GSA Financial Services\",\"url\":\"https:\/\/gsafinancialservices.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/gsafinancialservices.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/gsafinancialservices.com\/wp-content\/uploads\/2024\/03\/GSA-dots-1-grey-PNG-2.jpg\",\"contentUrl\":\"https:\/\/gsafinancialservices.com\/wp-content\/uploads\/2024\/03\/GSA-dots-1-grey-PNG-2.jpg\",\"width\":169,\"height\":113,\"caption\":\"GSA Financial Services\"},\"image\":{\"@id\":\"https:\/\/gsafinancialservices.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/people\/GSA-Financial-Services\/100069954536584\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FAQ - GSA Financial Services","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gsafinancialservices.com\/fr\/faq\/","og_locale":"fr_FR","og_type":"article","og_title":"FAQ - GSA Financial Services","og_description":"Foire aux questions Quel est le montant de l&#039;assurance vie dont j&#039;ai besoin ? Le montant de l&rsquo;assurance vie dont vous avez besoin d\u00e9pend de votre situation personnelle, notamment de vos obligations financi\u00e8res et de vos objectifs. En r\u00e8gle g\u00e9n\u00e9rale, le montant de l&rsquo;assurance doit correspondre \u00e0 5 \u00e0 10 fois votre revenu annuel, mais [&hellip;]","og_url":"https:\/\/gsafinancialservices.com\/fr\/faq\/","og_site_name":"GSA Financial Services","article_publisher":"https:\/\/www.facebook.com\/people\/GSA-Financial-Services\/100069954536584\/","article_modified_time":"2024-04-17T20:36:36+00:00","og_image":[{"width":1901,"height":938,"url":"https:\/\/gsafinancialservices.com\/wp-content\/uploads\/2024\/04\/Screenshot-2024-02-15-135719.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/gsafinancialservices.com\/fr\/faq\/","url":"https:\/\/gsafinancialservices.com\/fr\/faq\/","name":"FAQ - GSA Financial Services","isPartOf":{"@id":"https:\/\/gsafinancialservices.com\/#website"},"datePublished":"2019-08-19T06:59:54+00:00","dateModified":"2024-04-17T20:36:36+00:00","breadcrumb":{"@id":"https:\/\/gsafinancialservices.com\/fr\/faq\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gsafinancialservices.com\/fr\/faq\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/gsafinancialservices.com\/fr\/faq\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/gsafinancialservices.com\/fr\/"},{"@type":"ListItem","position":2,"name":"FAQ"}]},{"@type":"WebSite","@id":"https:\/\/gsafinancialservices.com\/#website","url":"https:\/\/gsafinancialservices.com\/","name":"GSA Financial Services","description":"","publisher":{"@id":"https:\/\/gsafinancialservices.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gsafinancialservices.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/gsafinancialservices.com\/#organization","name":"GSA Financial Services","url":"https:\/\/gsafinancialservices.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/gsafinancialservices.com\/#\/schema\/logo\/image\/","url":"https:\/\/gsafinancialservices.com\/wp-content\/uploads\/2024\/03\/GSA-dots-1-grey-PNG-2.jpg","contentUrl":"https:\/\/gsafinancialservices.com\/wp-content\/uploads\/2024\/03\/GSA-dots-1-grey-PNG-2.jpg","width":169,"height":113,"caption":"GSA Financial Services"},"image":{"@id":"https:\/\/gsafinancialservices.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/people\/GSA-Financial-Services\/100069954536584\/"]}]}},"_links":{"self":[{"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/pages\/9592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/comments?post=9592"}],"version-history":[{"count":16,"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/pages\/9592\/revisions"}],"predecessor-version":[{"id":10541,"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/pages\/9592\/revisions\/10541"}],"wp:attachment":[{"href":"https:\/\/gsafinancialservices.com\/fr\/wp-json\/wp\/v2\/media?parent=9592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}