{"id":38796,"date":"2021-11-03T14:20:26","date_gmt":"2021-11-03T18:20:26","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=38796"},"modified":"2024-12-11T11:46:41","modified_gmt":"2024-12-11T16:46:41","slug":"avant-la-designation-dun-beneficiaire-pour-votre-assurance-vie","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/avant-la-designation-dun-beneficiaire-pour-votre-assurance-vie\/","title":{"rendered":"Tout ce qu\u2019il faut savoir avant de d\u00e9signer un b\u00e9n\u00e9ficiaire d\u2019une police d\u2019assurance vie"},"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_1635867725843{background-image: url(https:\/\/ivari.ca\/files\/2021\/11\/shutterstock_201926005-beneficiary-scaled.jpg?id=35055) !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=\"typedjs69\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs69 = new Typed('#typedjs69', {\n\t\t\t\tstrings: [\"Tout ce qu\\u2019il faut savoir avant de d\\u00e9signer un b\\u00e9n\\u00e9ficiaire d\\u2019une police d\\u2019assurance vie\"],\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 el_class=\u00a0\u00bbivari-row\u00a0\u00bb]Au Canada, \u00e0 la suite de votre d\u00e9c\u00e8s, vos actifs peuvent \u00eatre transf\u00e9r\u00e9s de deux mani\u00e8res :[\/vc_column_text][vc_column_text]<strong>1.<\/strong> Directement \u00e0 vos proches; ou<br \/>\n<strong>2.<\/strong> Par l\u2019entremise du m\u00e9canisme de l\u2019homologation.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>J\u2019ai fait le bon choix!<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Le choix d\u2019un b\u00e9n\u00e9ficiaire peut se faire \u00e0 la souscription d\u2019une assurance vie, mais \u00e9galement en remplissant un formulaire de d\u00e9claration, sur lequel on inscrit le nom de la compagnie d\u2019assurance, le num\u00e9ro de la police et le nom du b\u00e9n\u00e9ficiaire. Vous \u00eates libre de d\u00e9signer le b\u00e9n\u00e9ficiaire de votre choix. Il peut s\u2019agir d\u2019une personne physique, d\u2019une institution ou d\u2019un organisme de bienfaisance. Si vous nommez une personne mineure, la d\u00e9signation d\u2019un fiduciaire s\u2019impose, dans le cas o\u00f9 votre d\u00e9c\u00e8s surviendrait avant que ce b\u00e9n\u00e9ficiaire n\u2019atteigne l\u2019\u00e2ge de la majorit\u00e9.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>Mise \u00e0 jour des d\u00e9signations<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Certains \u00e9v\u00e9nements peuvent survenir, tels le changement de votre \u00e9tat matrimonial, la naissance d\u2019un enfant ou le d\u00e9c\u00e8s d\u2019un \u00eatre cher. Dans de tels cas, il serait peut-\u00eatre bon de v\u00e9rifier la pertinence de la d\u00e9signation de b\u00e9n\u00e9ficiaire au titre de votre police d\u2019assurance.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section noBorderBottom\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>L\u2019importance d\u2019un b\u00e9n\u00e9ficiaire subsidiaire<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]La d\u00e9signation d\u2019un ou de plusieurs b\u00e9n\u00e9ficiaires subsidiaires au titre de votre police d\u2019assurance vie pourrait constituer une solution pratique en cas de d\u00e9c\u00e8s du b\u00e9n\u00e9ficiaire primaire, si vous n\u2019arrivez pas \u00e0 en nommer un nouveau \u00e0 ce moment-l\u00e0. En effet, si votre d\u00e9c\u00e8s devait survenir avant la d\u00e9signation d\u2019un nouveau b\u00e9n\u00e9ficiaire, le capital assur\u00e9 ne serait vers\u00e9 qu\u2019\u00e0 l\u2019aboutissement du long et co\u00fbteux processus d\u2019homologation.<br \/>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h2>R\u00e9partition du capital-d\u00e9c\u00e8s<\/h2>\n<p>Dans le cas o\u00f9 plusieurs b\u00e9n\u00e9ficiaires seraient d\u00e9sign\u00e9s, il vous faudrait d\u00e9terminer des pourcentages appropri\u00e9s, et non des montants d\u2019argent, pour la r\u00e9partition du capital-d\u00e9c\u00e8s.<\/p>\n<p>Pour toute question sur votre police d\u2019assurance vie, la d\u00e9signation ou le changement d\u2019un b\u00e9n\u00e9ficiaire, n\u2019h\u00e9sitez pas \u00e0 communiquer avec votre planificateur financier.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Au Canada, \u00e0 la suite de votre d\u00e9c\u00e8s, vos actifs peuvent \u00eatre transf\u00e9r\u00e9s de deux mani\u00e8res :<\/p>\n","protected":false},"featured_media":35056,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[318],"good_reads_categories":[478],"class_list":["post-38796","good_reads","type-good_reads","status-publish","has-post-thumbnail","hentry","social_share-appears-in-social-share-fr","good_reads_categories-assurance-vie"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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