{"id":38823,"date":"2021-11-03T14:25:26","date_gmt":"2021-11-03T18:25:26","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=38823"},"modified":"2023-07-02T14:34:08","modified_gmt":"2023-07-02T18:34:08","slug":"trois-bonnes-raisons-pourquoi-lassurance-temporaire-vaut-mieux-que-lassurance-hypothecaire","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/trois-bonnes-raisons-pourquoi-lassurance-temporaire-vaut-mieux-que-lassurance-hypothecaire\/","title":{"rendered":"Trois bonnes raisons pourquoi l\u2019assurance temporaire vaut mieux que l\u2019assurance hypoth\u00e9caire"},"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_1635536451798{background-image: url(https:\/\/ivari.ca\/files\/2021\/10\/shutterstock_351384962-term-insurance-scaled.jpg?id=35033) !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=\"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: [\"Trois bonnes raisons pourquoi l\\u2019assurance temporaire vaut mieux que l\\u2019assurance hypoth\\u00e9caire\"],\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]Lorsqu\u2019il s\u2019agit de vous procurer une protection pour votre hypoth\u00e8que, votre banque va tenter de vous persuader qu\u2019il y a une seule option : l\u2019assurance hypoth\u00e9caire. D\u00e9trompez-vous! L\u2019assurance temporaire d\u2019ivari procure plus de protection, de souplesse et de valeur qu\u2019une assurance hypoth\u00e9caire ordinaire, tout en \u00e9tant plus abordable dans bien des cas.[\/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>1. Plus de protection<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]\u00c0 la souscription d\u2019une police d\u2019assurance hypoth\u00e9caire, c\u2019est la banque qui en est la propri\u00e9taire. Si donc un d\u00e9c\u00e8s survient avant la lib\u00e9ration de l\u2019hypoth\u00e8que, les sommes assur\u00e9es sont remises \u00e0 la banque, et non \u00e0 la succession. Qui donc b\u00e9n\u00e9ficie d\u2019une protection dans ce cas : vous ou votre banque? Dans le cadre d\u2019une assurance temporaire, les sommes assur\u00e9es sont vers\u00e9es \u00e0 vos b\u00e9n\u00e9ficiaires, qui ont le choix entre lib\u00e9rer l\u2019hypoth\u00e8que ou disposer des fonds autrement.[\/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>2. Plus de souplesse<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]L\u2019assurance hypoth\u00e9caire offerte par la banque couvre la maison inscrite au contrat. Si donc vous d\u00e9m\u00e9nagez, refinancez ou ren\u00e9gociez votre hypoth\u00e8que, votre police n\u2019est pas transf\u00e9rable et vous devrez soumettre une nouvelle proposition. \u00c0 l\u2019oppos\u00e9, l\u2019assurance temporaire couvre une ou plusieurs personnes. Vous continuez donc \u00e0 b\u00e9n\u00e9ficier d\u2019une couverture qui ne tient aucunement compte de votre lieu de r\u00e9sidence, du nombre de vos d\u00e9m\u00e9nagements ou de tout refinancement possible de votre hypoth\u00e8que.<\/p>\n<p>Qui plus est, la police d\u2019assurance temporaire d\u2019ivari peut \u00eatre transform\u00e9e en un r\u00e9gime d\u2019assurance permanent admissible, et ce, \u00e0 n\u2019importe quel moment avant la date d\u2019anniversaire de la police qui se rapproche le plus du 71<sup>e<\/sup> anniversaire de naissance de l\u2019assur\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>3. Plus de valeur<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Fait important \u00e0 souligner : l\u2019assurance hypoth\u00e9caire ne couvre que le solde impay\u00e9 de votre pr\u00eat hypoth\u00e9caire. Autrement dit, au fur et \u00e0 mesure que vous remboursez votre hypoth\u00e8que, vos primes ne baissent pas, mais le capital assur\u00e9 diminue. Une fois l\u2019hypoth\u00e8que lib\u00e9r\u00e9e, la police n\u2019est plus en vigueur. Dans le cas d\u2019une assurance temporaire, le capital assur\u00e9 (ou capital-d\u00e9c\u00e8s) ne change pas, et ce, peu importe si votre solde hypoth\u00e9caire est compl\u00e8tement rembours\u00e9 ou non.<br \/>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css=\u00a0\u00bb.vc_custom_1650307404966{margin-top: 30px !important;}\u00a0\u00bb]Informez-vous aupr\u00e8s de votre conseiller pour savoir comment <a class=\"link-white\" href=\"\/fr\/produits\/assurance\/assurance-vie-temporaire\/\">l\u2019assurance temporaire<\/a> d\u2019ivari peut prot\u00e9ger l\u2019avenir financier de votre famille.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Lorsqu\u2019il s\u2019agit de vous procurer une protection pour votre hypoth\u00e8que, votre banque va tenter de vous persuader qu\u2019il y a une seule option :<\/p>\n","protected":false},"featured_media":35034,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[318],"good_reads_categories":[478,476],"class_list":["post-38823","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 v27.3 - 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