{"id":38768,"date":"2021-11-03T14:10:40","date_gmt":"2021-11-03T18:10:40","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=38768"},"modified":"2024-03-08T17:08:28","modified_gmt":"2024-03-08T22:08:28","slug":"lassurance-collective-un-bon-depart-mais-ce-nest-pas-suffisant","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/lassurance-collective-un-bon-depart-mais-ce-nest-pas-suffisant\/","title":{"rendered":"L\u2019assurance collective : un bon d\u00e9part, mais ce n\u2019est pas suffisant!"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1633110907975{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_id=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column][vc_row_inner content_placement=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1635959605240{background-image: url(https:\/\/ivari.ca\/files\/2021\/11\/group-insurance-copy-scaled.jpg?id=35087) !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]<\/p>\n<h1>\t\t\t<span id=\"typedjs4\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs4 = new Typed('#typedjs4', {\n\t\t\t\tstrings: [\"L\\u2019assurance collective : un bon d\\u00e9part, mais ce n\\u2019est pas suffisant!\"],\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]Si vous avez la chance de travailler pour une entreprise offrant un r\u00e9gime d\u2019assurance collective, votre famille jouit d\u2019une certaine protection, mais ce n\u2019est certes pas suffisant.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=\u00a0\u00bbivari-row\u00a0\u00bb]En ne comptant que sur votre assurance collective pour prot\u00e9ger vos proches, vous pourriez vous trouver dans de mauvais draps financiers si, en tant que principal soutien de famille, vous veniez \u00e0 dispara\u00eetre.<\/p>\n<p>Malgr\u00e9 les diff\u00e9rences de r\u00e9gime d\u2019un assureur \u00e0 l\u2019autre, la plupart des polices d\u2019assurance collective ne pr\u00e9voient que le versement d\u2019un capital-d\u00e9c\u00e8s \u00e9quivalant \u00e0 une ou deux fois le salaire de l\u2019employ\u00e9. Pour la plupart des familles canadiennes, ce montant serait nettement insuffisant au maintien de leur mode de vie et \u00e0 la prise en charge des d\u00e9penses \u00e0 venir, telles que les \u00e9tudes postsecondaires. De plus, \u00e9tant donn\u00e9 que l\u2019employeur est propri\u00e9taire du r\u00e9gime, et non pas l\u2019employ\u00e9, la couverture d\u2019assurance prend fin d\u00e8s que l\u2019employ\u00e9 quitte son emploi. Par contre, lorsque vous souscrivez vous-m\u00eame une police, vous demeurez propri\u00e9taire de celle-ci, et ce, peu importe votre lieu de r\u00e9sidence ou de travail. En outre, vous pouvez la personnaliser en fonction de vos besoins en la rev\u00eatant d\u2019avenants ou de garanties suppl\u00e9mentaires, comme l\u2019assurance maladies graves.<\/p>\n<h2>Quel est le montant d\u2019assurance qui me convient?<\/h2>\n<p>Pour la plupart des consommateurs, il y a des lacunes \u00e0 combler entre la protection de l\u2019employeur et les besoins r\u00e9els de leur famille. Savez-vous ce dont vous avez besoin pour que votre famille soit bien prot\u00e9g\u00e9e? Voici un moyen facile et agr\u00e9able de le d\u00e9couvrir.[\/vc_column_text]<div class=\"templatera_shortcode ivari-row\"><div id=\"how-much-insurance\" data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid cta vc_custom_1635271851287 vc_row-has-fill vc_row-stretch\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element \">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2>De combien d\u2019assurance avez-vous vraiment besoin?<\/h2>\n<p>Vos besoins en assurance \u00e9voluent tout au long de la vie. De combien d\u2019assurance avez-vous besoin aujourd\u2019hui? Qu\u2019en est il de demain?<\/p>\n<p>D\u00e9couvrez le montant d\u2019assurance qui vous convient et le moment o\u00f9 vous en aurez besoin en utilisant la calculatrice Portrait-Assurance d\u2019ivari.<\/p>\n<p><a class=\"arrow-link white\" href=\"\/portraitassurance\/\" target=\"_blank\" rel=\"noopener\">Essayez Portrait-Assurance<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Si vous avez la chance de travailler pour une entreprise offrant un r\u00e9gime d\u2019assurance collective, votre famille jouit d\u2019une certaine protection, mais ce n\u2019est certes pas suffisant.<\/p>\n","protected":false},"featured_media":35088,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[318],"good_reads_categories":[478,476],"class_list":["post-38768","good_reads","type-good_reads","status-publish","has-post-thumbnail","hentry","social_share-appears-in-social-share-fr","good_reads_categories-assurance-vie","good_reads_categories-finance-et-epargne-personnelles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u2019assurance collective : un bon d\u00e9part, mais ce n\u2019est pas suffisant! - ivari<\/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:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/lassurance-collective-un-bon-depart-mais-ce-nest-pas-suffisant\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance collective : un bon d\u00e9part, mais ce n\u2019est pas suffisant! - ivari\" \/>\n<meta property=\"og:description\" content=\"Si vous avez la chance de travailler pour une entreprise offrant un r\u00e9gime d\u2019assurance collective, votre famille jouit d\u2019une certaine protection, mais ce n\u2019est certes pas suffisant.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/lassurance-collective-un-bon-depart-mais-ce-nest-pas-suffisant\/\" \/>\n<meta property=\"og:site_name\" content=\"ivari\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-08T22:08:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ivari.ca\/files\/2021\/11\/group-insurance-copy-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1363\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/lassurance-collective-un-bon-depart-mais-ce-nest-pas-suffisant\/\",\"url\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/lassurance-collective-un-bon-depart-mais-ce-nest-pas-suffisant\/\",\"name\":\"L\u2019assurance collective : un bon d\u00e9part, mais ce n\u2019est pas suffisant! 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