{"id":46379,"date":"2024-03-14T14:38:08","date_gmt":"2024-03-14T18:38:08","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=46379"},"modified":"2024-03-14T14:42:42","modified_gmt":"2024-03-14T18:42:42","slug":"la-tarification-en-termes-simples","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/","title":{"rendered":"La tarification en termes simples"},"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_1710441459648{background-image: url(https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg?id=46377) !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=\"typedjs30\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs30 = new Typed('#typedjs30', {\n\t\t\t\tstrings: [\"La tarification en termes simples\"],\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]La soumission d\u2019une proposition d\u2019assurance vie fait appel \u00e0 un processus dit de \u00ab\u00a0tarification\u00a0\u00bb, qui peut sembler vague et myst\u00e9rieux, car pendant que vous attendez une d\u00e9cision, il y a tout un processus qui est mis en branle. Qui examine votre proposition et quels sont les \u00e9l\u00e9ments recherch\u00e9s? Dans le pr\u00e9sent article, nous vous aiderons \u00e0 mieux comprendre ce processus.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner][vc_column_text]<\/p>\n<h2>Principes fondamentaux de la tarification<\/h2>\n<p>En bref, la tarification est le processus par lequel une compagnie d\u2019assurance \u00e9value une proposition d\u2019assurance en tenant compte des diff\u00e9rents risques. En r\u00e8gle g\u00e9n\u00e9rale, le montant de la prime est \u00e9tabli en fonction des risques que pr\u00e9sente la personne \u00e0 assurer.<\/p>\n<p>Par exemple, un fumeur inv\u00e9t\u00e9r\u00e9 qui s\u2019adonne au parachutisme, aime visiter des r\u00e9gions \u00e9loign\u00e9es et potentiellement dangereuses et dont les deux parents sont d\u00e9c\u00e9d\u00e9s jeunes d\u2019une maladie cardiaque, peut \u00eatre d\u00e9\u00e7u de sa prime d\u2019assurance vie comparativement \u00e0, par exemple, un client non-fumeur du m\u00eame \u00e2ge et du m\u00eame sexe, qui jouit d\u2019un poids sant\u00e9, fait r\u00e9guli\u00e8rement de l\u2019exercice et aime passer des vacances plus pr\u00e8s de chez lui, dans son chalet au bord du lac. \u00c9videmment, il n\u2019y a rien de mal \u00e0 profiter pleinement de la vie, mais lorsqu\u2019il s\u2019agit d\u2019assurance vie, certains choix de mode de vie, ainsi que vos ant\u00e9c\u00e9dents familiaux et m\u00e9dicaux, peuvent \u00eatre pris en compte au moment de l\u2019\u00e9valuation de votre dossier d\u2019assurance.[\/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]<\/p>\n<h2>Analyse de la situation<\/h2>\n<p>En \u00e9valuant votre proposition d\u2019assurance, le tarificateur examine une s\u00e9rie de facteurs regroup\u00e9s dans deux grandes cat\u00e9gories\u00a0: soit les facteurs sur lesquels vous avez un certain contr\u00f4le et d\u2019autres que vous ne pouvez pas contr\u00f4ler. Vous trouverez ci-dessous une liste non exhaustive des facteurs les plus courants qui ont une incidence sur votre proposition d\u2019assurance vie. Votre conseiller peut vous aider \u00e0 y voir plus clair.<\/p>\n<p><strong><em>Facteurs contr\u00f4lables\u00a0:<\/em><\/strong><\/p>\n<ul>\n<li>Tabagisme<\/li>\n<li>Consommation d\u2019alcool et de drogues<\/li>\n<li>Activit\u00e9s et comportements \u00e0 risque<\/li>\n<li>R\u00e9gime alimentaire<\/li>\n<li>Poids<\/li>\n<li>Profession<\/li>\n<li>Activit\u00e9 physique<\/li>\n<\/ul>\n<p><strong><em>Facteurs non contr\u00f4lables\u00a0:<\/em><\/strong><\/p>\n<ul>\n<li>\u00c2ge<\/li>\n<li>Sexe \u00e0 la naissance<\/li>\n<li>Ant\u00e9c\u00e9dents m\u00e9dicaux familiaux<\/li>\n<li>Taille<\/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]Si l\u2019on vous propose une police d\u2019assurance apr\u00e8s l\u2019examen de votre dossier, souvenez-vous qu\u2019il peut y avoir place \u00e0 certaines am\u00e9liorations. En vous basant sur la liste des facteurs contr\u00f4lables, si vous apportez des changements positifs \u00e0 votre mode de vie apr\u00e8s l\u2019\u00e9tablissement de votre police, songez \u00e0 en informer votre conseiller, car cela pourrait avoir une incidence sur votre police et (ou) les primes.<\/p>\n<p>Lors de la tarification, ivari adopte une approche globale de l\u2019\u00e9valuation du risque, car elle tient compte de l\u2019ensemble des \u00e9l\u00e9ments mentionn\u00e9s plus haut et bien d\u2019autres encore. Pour toutes questions et pour mieux comprendre le processus, votre conseiller en assurance ind\u00e9pendant se fera un plaisir de vous assister.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> La soumission d\u2019une proposition d\u2019assurance vie fait appel \u00e0 un processus dit de \u00ab\u00a0tarification\u00a0\u00bb, qui peut sembler vague et myst\u00e9rieux, car pendant que vous attendez une&#8230;<\/p>\n","protected":false},"featured_media":46378,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[],"good_reads_categories":[478],"class_list":["post-46379","good_reads","type-good_reads","status-publish","has-post-thumbnail","hentry","good_reads_categories-assurance-vie"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La tarification en termes simples - 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\/la-tarification-en-termes-simples\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La tarification en termes simples - ivari\" \/>\n<meta property=\"og:description\" content=\"La soumission d\u2019une proposition d\u2019assurance vie fait appel \u00e0 un processus dit de \u00ab\u00a0tarification\u00a0\u00bb, qui peut sembler vague et myst\u00e9rieux, car pendant que vous attendez une...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/\" \/>\n<meta property=\"og:site_name\" content=\"ivari\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-14T18:42:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\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=\"3 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\/la-tarification-en-termes-simples\/\",\"url\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/\",\"name\":\"La tarification en termes simples - ivari\",\"isPartOf\":{\"@id\":\"https:\/\/ivari.ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg\",\"datePublished\":\"2024-03-14T18:38:08+00:00\",\"dateModified\":\"2024-03-14T18:42:42+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#primaryimage\",\"url\":\"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg\",\"contentUrl\":\"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg\",\"width\":2000,\"height\":1333},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ivari.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La tarification en termes simples\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ivari.ca\/#website\",\"url\":\"https:\/\/ivari.ca\/\",\"name\":\"ivari\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ivari.ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La tarification en termes simples - ivari","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/","og_locale":"fr_FR","og_type":"article","og_title":"La tarification en termes simples - ivari","og_description":"La soumission d\u2019une proposition d\u2019assurance vie fait appel \u00e0 un processus dit de \u00ab\u00a0tarification\u00a0\u00bb, qui peut sembler vague et myst\u00e9rieux, car pendant que vous attendez une...","og_url":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/","og_site_name":"ivari","article_modified_time":"2024-03-14T18:42:42+00:00","og_image":[{"width":2000,"height":1333,"url":"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/","url":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/","name":"La tarification en termes simples - ivari","isPartOf":{"@id":"https:\/\/ivari.ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#primaryimage"},"image":{"@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#primaryimage"},"thumbnailUrl":"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg","datePublished":"2024-03-14T18:38:08+00:00","dateModified":"2024-03-14T18:42:42+00:00","breadcrumb":{"@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#primaryimage","url":"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg","contentUrl":"https:\/\/ivari.ca\/files\/teenage-student-works-on-homework-in-his-room-and-2023-11-27-04-56-47-utc-copy.jpg","width":2000,"height":1333},{"@type":"BreadcrumbList","@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/la-tarification-en-termes-simples\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ivari.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"La tarification en termes simples"}]},{"@type":"WebSite","@id":"https:\/\/ivari.ca\/#website","url":"https:\/\/ivari.ca\/","name":"ivari","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ivari.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"}]}},"_links":{"self":[{"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/good_reads\/46379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/good_reads"}],"about":[{"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/types\/good_reads"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/media\/46378"}],"wp:attachment":[{"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/media?parent=46379"}],"wp:term":[{"taxonomy":"social_share","embeddable":true,"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/social_share?post=46379"},{"taxonomy":"good_reads_categories","embeddable":true,"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/good_reads_categories?post=46379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}