{"id":1139,"date":"2019-03-12T15:20:06","date_gmt":"2019-03-12T19:20:06","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/limportance-de-lassurance-vie\/"},"modified":"2019-05-13T15:39:02","modified_gmt":"2019-05-13T19:39:02","slug":"limportance-de-lassurance-vie","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/retraite-et-succession\/limportance-de-lassurance-vie\/","title":{"rendered":"L\u2019importance de l\u2019assurance vie"},"content":{"rendered":"<p>L\u2019assurance vie constitue un outil fondamental en mati\u00e8re de planification successorale.<\/p>\n<h2>Pour couvrir les imp\u00f4ts payables au d\u00e9c\u00e8s<\/h2>\n<p>Si l\u2019imp\u00f4t est in\u00e9vitable \u00e0 votre d\u00e9c\u00e8s, l\u2019assurance vie pourra \u00eatre utile \u00e0 votre succession pour payer cette dette sans devoir liquider vos biens.<\/p>\n<p>Pr\u00e9voyez des polices d\u2019assurance dont le produit sera payable \u00e0 la succession pour couvrir les imp\u00f4ts qui r\u00e9sulteraient de la disposition pr\u00e9sum\u00e9e de vos biens. D\u00e9tail non n\u00e9gligeable : tout produit d\u2019assurance vie n\u2019est pas imposable.<\/p>\n<h2>En faire don \u00e0 un organisme de bienfaisance<\/h2>\n<p>Vous pouvez aussi utiliser votre police d\u2019assurance vie pour faire un don \u00e0 un organisme de bienfaisance. De votre vivant, \u00e0 titre de donateur, si vous payez les primes d\u2019une police d\u2019assurance sur votre vie dont un organisme est le preneur et le b\u00e9n\u00e9ficiaire, vous avez droit annuellement \u00e0 un cr\u00e9dit d\u2019imp\u00f4t pour dons de bienfaisance sur les primes vers\u00e9es uniquement. Le produit de l\u2019assurance n\u2019a quant \u00e0 lui aucun impact fiscal. Par contre, si vous \u00eates preneur de la police d\u2019assurance et qu\u2019\u00e0 votre d\u00e9c\u00e8s, le produit de l\u2019assurance est vers\u00e9, conform\u00e9ment \u00e0 votre volont\u00e9, \u00e0 un organisme de bienfaisance, le fisc accordera un cr\u00e9dit pour don de bienfaisance correspondant au montant d\u2019assurance vers\u00e9. Ce cr\u00e9dit est reportable au besoin sur l\u2019ann\u00e9e pr\u00e9c\u00e9dente.<\/p>\n<p><strong>Pour en savoir plus \u2013<\/strong> Consultez l&#8217;article:\u00a0<a href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/retraite-et-succession\/faire-un-don-ou-un-legs\/\" target=\"_blank\" rel=\"noopener\">Faire un don ou un legs<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance vie constitue un outil fondamental en mati\u00e8re de planification successorale. Si l\u2019imp\u00f4t est in\u00e9vitable \u00e0 votre d\u00e9c\u00e8s, l\u2019assurance vie pourra \u00eatre utile \u00e0 votre succession pour payer cette dette sans devoir liquider vos biens. Pr\u00e9voyez des polices d\u2019assurance dont le produit sera payable \u00e0 la succession pour couvrir les imp\u00f4ts qui r\u00e9sulteraient de la [&#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":[52],"tags":[],"class_list":["post-1139","post","type-post","status-publish","format-standard","hentry","category-retraite-et-succession"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u2019importance de l\u2019assurance vie | 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\/fr\/particulier\/retraite-et-succession\/limportance-de-lassurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019importance de l\u2019assurance vie | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"L\u2019assurance vie constitue un outil fondamental en mati\u00e8re de planification successorale. 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