{"id":1075,"date":"2019-03-12T15:17:29","date_gmt":"2019-03-12T19:17:29","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/lassurance-de-personnes-a-la-retraite-pour-quoi-faire\/"},"modified":"2019-05-15T10:31:35","modified_gmt":"2019-05-15T14:31:35","slug":"lassurance-de-personnes-a-la-retraite-pour-quoi-faire","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/en\/particulier\/assurances\/lassurance-de-personnes-a-la-retraite-pour-quoi-faire\/","title":{"rendered":"L\u2019assurance de personnes \u00e0 la retraite, pour quoi faire?"},"content":{"rendered":"<h2>L\u2019assurance de personnes peut \u00eatre utile aux retrait\u00e9s dans quelques domaines pr\u00e9cis :<\/h2>\n<h3>1. Le r\u00e8glement \u00e0 l\u2019avance de frais fun\u00e9raires<\/h3>\n<p>En g\u00e9n\u00e9ral, les planificateurs financiers estiment \u00e0 10 000 $ les frais fun\u00e9raires pour une personne (salon fun\u00e9raire, service religieux, enterrement, y compris la pierre tombale et, le cas \u00e9ch\u00e9ant, l\u2019accueil des proches).<\/p>\n<p>La prestation de d\u00e9c\u00e8s de 2 500 $ du R\u00e9gime de pension du Canada couvrira une partie de ces frais. Elle est vers\u00e9e aux personnes qui ont cotis\u00e9 suffisamment au R\u00e9gime, soit la plupart des travailleurs en Ontario. Cette prestation s\u2019ajoute aux autres revenus de la succession et, \u00e0 ce titre, est imposable.<\/p>\n<h3>2. La fiscalit\u00e9 apr\u00e8s le d\u00e9c\u00e8s<\/h3>\n<p>Au d\u00e9c\u00e8s, les frais fiscaux peuvent \u00eatre co\u00fbteux. C\u2019est pourquoi certains souscrivent une assurance pour prot\u00e9ger la valeur des biens qu\u2019ils l\u00e8guent \u00e0 leurs proches. Le moment venu, le capital assur\u00e9 comble l\u2019\u00e9quivalent de ce qui est vers\u00e9 en imp\u00f4ts.<\/p>\n<h3>3. L\u2019h\u00e9ritage et le don planifi\u00e9<\/h3>\n<p>On peut souscrire \u00e9galement une assurance vie pour laisser un h\u00e9ritage financier \u00e0 un ou des proches ou faire un don \u00e0 un organisme de charit\u00e9 ou de recherche, par exemple. Ce sont des d\u00e9cisions personnelles plut\u00f4t que financi\u00e8res.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En g\u00e9n\u00e9ral, les planificateurs financiers estiment \u00e0 10 000 $ les frais fun\u00e9raires pour une personne (salon fun\u00e9raire, service religieux, enterrement, y compris la pierre tombale et, le cas \u00e9ch\u00e9ant, l\u2019accueil des proches). La prestation de d\u00e9c\u00e8s de 2 500 $ du R\u00e9gime de pension du Canada couvrira une partie de ces frais. Elle est [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[55],"tags":[],"class_list":["post-1075","post","type-post","status-publish","format-standard","hentry","category-assurances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u2019assurance de personnes \u00e0 la retraite, pour quoi faire? | Caisse Alliance<\/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:\/\/www.caissealliance.com\/en\/particulier\/assurances\/lassurance-de-personnes-a-la-retraite-pour-quoi-faire\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance de personnes \u00e0 la retraite, pour quoi faire? | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"En g\u00e9n\u00e9ral, les planificateurs financiers estiment \u00e0 10 000 $ les frais fun\u00e9raires pour une personne (salon fun\u00e9raire, service religieux, enterrement, y compris la pierre tombale et, le cas \u00e9ch\u00e9ant, l\u2019accueil des proches). 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| Caisse Alliance","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:\/\/www.caissealliance.com\/en\/particulier\/assurances\/lassurance-de-personnes-a-la-retraite-pour-quoi-faire\/","og_locale":"en_US","og_type":"article","og_title":"L\u2019assurance de personnes \u00e0 la retraite, pour quoi faire? | Caisse Alliance","og_description":"En g\u00e9n\u00e9ral, les planificateurs financiers estiment \u00e0 10 000 $ les frais fun\u00e9raires pour une personne (salon fun\u00e9raire, service religieux, enterrement, y compris la pierre tombale et, le cas \u00e9ch\u00e9ant, l\u2019accueil des proches). 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