{"id":46720,"date":"2024-05-03T10:11:12","date_gmt":"2024-05-03T14:11:12","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=46720"},"modified":"2024-08-20T13:43:36","modified_gmt":"2024-08-20T17:43:36","slug":"lassurance-vie-pour-les-parents-au-foyer","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/lassurance-vie-pour-les-parents-au-foyer\/","title":{"rendered":"L\u2019assurance vie pour les parents au foyer"},"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_1714672727172{background-image: url(https:\/\/ivari.ca\/files\/he-has-big-dreams-for-his-daughter-2023-11-27-05-31-16-utc-copy.jpg?id=46718) !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=\"typedjs79\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs79 = new Typed('#typedjs79', {\n\t\t\t\tstrings: [\"L\\u2019assurance vie pour les parents au foyer\"],\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]On pense souvent \u00e0 tort que l\u2019assurance vie sert principalement \u00e0 remplacer le revenu du soutien de famille en cas de d\u00e9c\u00e8s et de perte de revenu. Bien qu\u2019il soit tout \u00e0 fait raisonnable de souscrire une assurance vie susceptible de prot\u00e9ger sa famille en cas de difficult\u00e9s financi\u00e8res, le salaire ne repr\u00e9sente pour le m\u00e9nage que l\u2019un des besoins vis\u00e9s par une police d\u2019assurance vie.[\/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 css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Des co\u00fbts moins perceptibles<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]Si votre famille touchant des revenus <em>externes<\/em> ex\u00e9cute \u00e9galement du travail <em>interne<\/em>, il serait juste de prendre en compte le \u00ab\u00a0co\u00fbt\u00a0\u00bb de ce travail interne dans le calcul de la couverture. Qu\u2019entend-on par \u00ab\u00a0travail interne\u00a0\u00bb? Il s\u2019agit des t\u00e2ches non r\u00e9mun\u00e9r\u00e9es effectu\u00e9es pour le m\u00e9nage ou pour les enfants mineurs.<\/p>\n<p>Un des parents est normalement responsable des t\u00e2ches telles que la garde des enfants, les courses, la pr\u00e9paration des repas, le m\u00e9nage et la conduite des enfants \u00e0 leurs activit\u00e9s. En cas de d\u00e9c\u00e8s de cette personne, qui prendra la rel\u00e8ve? La r\u00e9alisation de ces t\u00e2ches entra\u00eene souvent le d\u00e9boursement de lourdes sommes pour recourir \u00e0 des personnes ou des services ext\u00e9rieurs, comme une bonne d\u2019enfants, un service de transport entre la maison et l\u2019\u00e9cole, ou les activit\u00e9s, ou encore un service de nettoyage hebdomadaire. Toutes ces d\u00e9penses qui s\u2019additionnent peuvent \u00eatre couvertes par une police d\u2019assurance vie pour parent au foyer.[\/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 css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Plus qu\u2019une simple assurance vie<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]Les parents au foyer peuvent \u00e9galement b\u00e9n\u00e9ficier d\u2019une protection en cas de maladie grave. En effet, l\u2019<a href=\"https:\/\/ivari.ca\/fr\/produits\/assurance\/assurance-maladies-graves\/\">assurance maladies graves<\/a> pr\u00e9voit le versement d\u2019un montant forfaitaire non imposable aux personnes assur\u00e9es atteintes d\u2019une maladie couverte au titre de leur contrat d\u2019assurance, une fois \u00e9coul\u00e9e la p\u00e9riode de survie de 30 jours. Il n\u2019y a aucune restriction quant \u00e0 l\u2019utilisation du montant de la prestation.<a href=\"#notes\"><sup>1<\/sup><\/a><\/p>\n<p>Que vous soyez le principal soutien de famille ou que votre contribution prenne une autre forme, une protection d\u2019assurance appropri\u00e9e peut vous apporter une pr\u00e9cieuse s\u00e9r\u00e9nit\u00e9 financi\u00e8re au moment opportun. Contactez votre conseiller en assurance pour en savoir plus.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbnotes\u00a0\u00bb el_class=\u00a0\u00bbfootnote-section\u00a0\u00bb][vc_column][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<ol>\n<li>En vertu de la <em>Loi de l\u2019imp\u00f4t sur le revenu<\/em> (Canada) et \u00e0 la date de publication, les sommes vers\u00e9es au titre de l\u2019assurance maladies graves ne sont pas imposables. La l\u00e9gislation applicable et les attentes r\u00e9glementaires peuvent changer. ivari ne garantit pas le traitement fiscal de ses produits et n\u2019en est pas responsable. Veuillez consulter un conseiller juridique ou fiscal qualifi\u00e9 pour obtenir un avis personnalis\u00e9.<\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> On pense souvent \u00e0 tort que l\u2019assurance vie sert principalement \u00e0 remplacer le revenu du soutien de famille en cas de d\u00e9c\u00e8s et de&#8230;<\/p>\n","protected":false},"featured_media":46719,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[],"good_reads_categories":[478,481],"class_list":["post-46720","good_reads","type-good_reads","status-publish","has-post-thumbnail","hentry","good_reads_categories-assurance-vie","good_reads_categories-etapes-de-la-vie"],"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 vie pour les parents au foyer - 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-vie-pour-les-parents-au-foyer\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance vie pour les parents au foyer - 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