{"id":48146,"date":"2025-02-13T14:18:21","date_gmt":"2025-02-13T19:18:21","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=articles-insights&#038;p=48146"},"modified":"2025-02-13T16:50:22","modified_gmt":"2025-02-13T21:50:22","slug":"ce-quil-faut-savoir-sur-le-remplacement-des-polices-dassurance","status":"publish","type":"articles-insights","link":"https:\/\/ivari.ca\/fr\/articles-idees\/ce-quil-faut-savoir-sur-le-remplacement-des-polices-dassurance\/","title":{"rendered":"Ce qu\u2019il faut savoir sur le remplacement des polices d\u2019assurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1690556346183{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_id=\u00a0\u00bbpost-banner\u00a0\u00bb el_class=\u00a0\u00bbpost-banner-teal\u00a0\u00bb][vc_column][vc_row_inner content_placement=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1739474100440{background-image: url(https:\/\/ivari.ca\/files\/husband-passing-document-for-wife-to-have-a-look-2023-11-27-04-54-14-utc-copy.jpg?id=48144) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column_inner el_class=\u00a0\u00bbimage-row-text-column\u00a0\u00bb width=\u00a0\u00bb2\/5&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h1>\t\t\t<span id=\"typedjs15\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs15 = new Typed('#typedjs15', {\n\t\t\t\tstrings: [\"Ce qu\\u2019il faut savoir sur le remplacement des polices d\\u2019assurance\"],\n\t\t\t\ttypeSpeed: 80,\n\t\t\t\tbackSpeed: 50,\n\t\t\t\tbackDelay: 500,\n\t\t\t\tstartDelay: 1000,\n\t\t\t\tloop: false,\n\t\t\t\tloopCount: 0,\n\t\t\t\tfadeOut: false,\n\t\t\t\tfadeOutDelay: 500,\n\t\t\t\tsmartBackspace: true,\n\t\t\t\tshuffle: false,\n\t\t\t\tshowCursor: true,\n\t\t\t\tcursorChar: \"|\"\n\t\t\t});\n\t\t\t<\/script>\n\n\t\t<\/h1>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/5&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbpage-subheader\u00a0\u00bb][vc_column][vc_column_text css=\u00a0\u00bb\u00a0\u00bb el_class=\u00a0\u00bbivari-row\u00a0\u00bb]Rien n\u2019est \u00e9ternel en ce monde![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=\u00a0\u00bb\u00a0\u00bb el_class=\u00a0\u00bbborder-bottom ivari-row\u00a0\u00bb]La vie nous joue quelquefois des tours lorsque nous pensons avoir tout bien planifi\u00e9. Dans le m\u00eame esprit, vos clients envisagent parfois de remplacer leur police par une autre susceptible de mieux correspondre \u00e0 leur nouvelle situation. Nous aimerions donc faire la lumi\u00e8re sur ce processus.[\/vc_column_text][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Pourquoi remplace-t-on une police d\u2019assurance?<\/h2>\n<p>Les clients citent deux raisons principales\u00a0:<\/p>\n<ol>\n<li><strong>Pour \u00e9conomiser\u00a0:<\/strong> Le client peut opter pour une nouvelle police moins dispendieuse.<\/li>\n<li><strong>Pour mieux r\u00e9pondre \u00e0 de nouveaux besoins :<\/strong> L\u2019\u00e9volution des besoins n\u00e9cessite une modification de la couverture.<\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Quand consid\u00e8re-t-on la souscription d\u2019une police comme un remplacement?<\/h2>\n<p>Il y a remplacement d\u2019un contrat d\u2019assurance vie lorsqu\u2019un client souscrit une nouvelle assurance vie et que, par cons\u00e9quent, sa police actuelle est\u00a0:<\/p>\n<ul>\n<li>R\u00e9sili\u00e9e d\u2019une mani\u00e8re ou d\u2019une autre ou pr\u00e9sente une r\u00e9duction des garanties.<\/li>\n<li>Transform\u00e9e en assurance lib\u00e9r\u00e9e, maintenue en vigueur dans le cadre d\u2019une prolongation d\u2019assurance temporaire ou d\u2019une avance d\u2019office de la prime.<\/li>\n<li>Modifi\u00e9e de fa\u00e7on \u00e0 lib\u00e9rer plus de la moiti\u00e9 de sa valeur de rachat.<\/li>\n<li>Utilis\u00e9e comme garantie d\u2019un pr\u00eat repr\u00e9sentant plus de la moiti\u00e9 de sa valeur de rachat.<\/li>\n<\/ul>\n<p>Toutefois, il ne s\u2019agit pas d\u2019un remplacement si votre client\u00a0:<\/p>\n<ul>\n<li>Souscrit une nouvelle police aupr\u00e8s du m\u00eame assureur en se pr\u00e9valant de l\u2019option de transformation.<\/li>\n<li>Passe \u00e0 une rente.<\/li>\n<li>Remplace sa couverture actuelle par une assurance collective.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Documentation requise\u00a0:<\/h2>\n<p>La substitution d\u2019une police d\u2019assurance n\u00e9cessite la soumission de certains documents, notamment la <em>D\u00e9claration de remplacement d\u2019une police d\u2019assurance vie<\/em>. Le conseiller doit la remplir et y annexer une explication des avantages et des inconv\u00e9nients du remplacement.<\/p>\n<p>Au Qu\u00e9bec, un formulaire particulier est exig\u00e9\u00a0: le <em>Pr\u00e9avis de remplacement d\u2019un contrat d\u2019assurance de personnes<\/em>.<\/p>\n<p>Dans le respect des r\u00e8gles provinciales en vigueur r\u00e9gissant le remplacement des polices d\u2019assurance, le conseiller se garde d\u2019encourager son client \u00e0 r\u00e9silier sa police en vigueur sans tenir compte des r\u00e8gles qui r\u00e9gissent ce processus, notamment\u00a0:<\/p>\n<ul>\n<li>La r\u00e9alisation d\u2019une analyse compl\u00e8te des besoins du client.<\/li>\n<li>La soumission d\u2019une explication d\u00e9taill\u00e9e des avantages et des inconv\u00e9nients de la nouvelle police et de la <em>D\u00e9claration de remplacement d\u2019une police d\u2019assurance vie<\/em> d\u00fbment remplie.<\/li>\n<li>La compr\u00e9hension de l\u2019incidence du remplacement de la police par le titulaire, suivie de la signature du formulaire d\u2019attestation \u00e0 cet \u00e9gard.\n<ul>\n<li>Au Qu\u00e9bec, il est n\u00e9cessaire d\u2019apposer toutes les initiales appropri\u00e9es.<\/li>\n<\/ul>\n<\/li>\n<li>L\u2019acheminement des copies \u00e0 l\u2019assureur ayant \u00e9tabli la police r\u00e9sili\u00e9e, le cas \u00e9ch\u00e9ant.<\/li>\n<li>L\u2019examen de la nouvelle police en pr\u00e9sence du client au moment de la d\u00e9livrance.\n<ul>\n<li>\u00c0 ce stade, l\u2019occasion est donn\u00e9e au client de revenir sur sa d\u00e9cision.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Il est recommand\u00e9 de revoir r\u00e9guli\u00e8rement avec le client sa police en vigueur, question de s\u2019assurer que sa couverture r\u00e9ponde toujours \u00e0 ses besoins et ne n\u00e9cessite aucun ajout ou aucune modification.<\/p>\n<p>Rappel\u00a0: Le conseiller doit toujours v\u00e9rifier et respecter les r\u00e8gles r\u00e9gissant le remplacement des polices d\u2019assurance applicables dans la province o\u00f9 il est autoris\u00e9 \u00e0 exercer.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> Rien n\u2019est \u00e9ternel en ce monde!La vie nous joue quelquefois des tours lorsque nous pensons avoir tout bien planifi\u00e9&#8230;.<\/p>\n","protected":false},"featured_media":48145,"template":"","categories":[],"articles_insights_taxonomies":[],"query_groups":[548],"class_list":["post-48146","articles-insights","type-articles-insights","status-publish","has-post-thumbnail","hentry","query_groups-info-link-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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