{"id":46851,"date":"2024-05-31T14:40:55","date_gmt":"2024-05-31T18:40:55","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=46851"},"modified":"2024-05-31T14:46:41","modified_gmt":"2024-05-31T18:46:41","slug":"limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/","title":{"rendered":"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition 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_1717180249462{background-image: url(https:\/\/ivari.ca\/files\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg?id=46849) !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=\"typedjs61\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs61 = new Typed('#typedjs61', {\n\t\t\t\tstrings: [\"L\\u2019importance d\\u2019une divulgation compl\\u00e8te dans la proposition 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 css=\u00a0\u00bb\u00a0\u00bb]Il nous arrive tous \u00e0 l\u2019occasion d\u2019improviser de petits mensonges.[\/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 css=\u00a0\u00bb\u00a0\u00bb]En fait, il est plus facile de bl\u00e2mer la \u00ab\u00a0circulation infernale\u00a0\u00bb que d\u2019avouer avoir quitt\u00e9 la maison un peu tard. On ne peut nier non plus qu\u2019une histoire embellie est souvent plus int\u00e9ressante \u00e0 raconter. La plupart de ces r\u00e9cits \u00ab\u00a0romanc\u00e9s\u00a0\u00bb que nous entendons quotidiennement sont inoffensifs. Cependant, lorsqu\u2019il s\u2019agit de souscrire une assurance vie, tout mensonge, toute omission ou fausse d\u00e9claration, m\u00eame minime, est susceptible d\u2019entra\u00eener la r\u00e9siliation de la police d\u2019assurance vie. Imaginez vos b\u00e9n\u00e9ficiaires priv\u00e9s de tout droit au titre du contrat.[\/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 css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Pourquoi insistons-nous autant sur la v\u00e9rit\u00e9?<\/h2>\n<p>La soumission d\u2019une proposition d\u2019assurance vie engage un processus dit de \u00ab\u00a0tarification\u00a0\u00bb, dans le cadre duquel la compagnie d\u2019assurance proc\u00e8de \u00e0 une \u00e9valuation en tenant compte de risques divers. Le niveau de risque du proposant est d\u00e9termin\u00e9 en fonction des r\u00e9ponses donn\u00e9es aux questions du formulaire, lesquelles portent sur divers aspects susceptibles d\u2019avoir une incidence sur la vie du proposant et son bien-\u00eatre. Il peut s\u2019agir par exemple de son \u00e9tat de sant\u00e9, de ses ant\u00e9c\u00e9dents familiaux, de sa profession et de ses loisirs, ainsi que d\u2019autres \u00e9l\u00e9ments tels que sa taille et son poids.<\/p>\n<p>Le conseiller en assurance vie aide le client \u00e0 d\u00e9terminer le type de couverture et le montant d\u2019assurance r\u00e9pondant \u00e0 ses besoins. Le tarificateur \u00e9value ensuite le risque en fonction des r\u00e9ponses aux questions pos\u00e9es sur la proposition. S\u2019il y a mensonge, omission ou fausse d\u00e9claration, l\u2019assurabilit\u00e9 du client peut \u00eatre d\u00e9cid\u00e9e sur la base de renseignements incorrects ou incomplets.[\/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 css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Comment peut-on savoir?<\/h2>\n<p>Vous vous demandez peut-\u00eatre comment votre sinc\u00e9rit\u00e9 peut \u00eatre mise en doute dans vos r\u00e9ponses \u00e0 certaines questions. \u00c0 titre d\u2019exemple, supposons que vous ayez l\u2019intention de faire du parachutisme, mais h\u00e9sitez \u00e0 divulguer cette activit\u00e9. Puisque vous n\u2019avez jamais saut\u00e9 en parachute et que vous n\u2019envisagez pas de le faire avant au moins quelques mois, vous r\u00e9pondez \u00ab\u00a0non\u00a0\u00bb \u00e0 la question \u00ab\u00a0Au cours des 12 derniers mois, avez-vous pratiqu\u00e9 un sport dangereux ou extr\u00eame (\u2026) ou envisagez-vous de le faire au cours des 12 prochains mois?\u00a0\u00bb.<\/p>\n<p>Maintenant, imaginez si vos projets de parachutisme aboutissaient \u00e0 un \u00e9v\u00e9nement tragique et que vos b\u00e9n\u00e9ficiaires devaient soumettre une demande de r\u00e8glement au titre de votre police d\u2019assurance vie. L\u2019assureur, qui rel\u00e8ve une contradiction entre la cause de d\u00e9c\u00e8s not\u00e9e et votre r\u00e9ponse n\u00e9gative donn\u00e9e \u00e0 la question portant sur la pratique de sports dangereux, ordonnerait une enqu\u00eate qui va r\u00e9v\u00e9ler que vous aviez d\u00e9j\u00e0 r\u00e9serv\u00e9 des le\u00e7ons de parachutisme avant de remplir votre proposition, ou m\u00eame que vous aviez d\u00e9j\u00e0 planifi\u00e9 votre premier saut. Ces r\u00e9v\u00e9lations peuvent avoir une incidence sur le traitement de la demande de r\u00e8glement, comme la r\u00e9siliation de la police pour cause de fausse d\u00e9claration. En revanche, si vous n\u2019aviez aucune intention de faire du parachutisme au moment de remplir la proposition, mais que vous ayez d\u00e9cid\u00e9 des mois ou des ann\u00e9es plus tard de prendre des le\u00e7ons, votre r\u00e9ponse \u00e0 cette question ne serait pas consid\u00e9r\u00e9e comme une omission ou une fausse d\u00e9claration advenant un tel \u00e9v\u00e9nement tragique.[\/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 css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h2>Que se passe-t-il en cas de contradiction?<\/h2>\n<p>Tout d\u00e9pend de la nature du cas. Certains mensonges, omissions ou fausses d\u00e9clarations peuvent entra\u00eener la r\u00e9siliation de la police, tandis que d\u2019autres, comme une date de naissance inexacte, peuvent affecter le capital assur\u00e9 de la police. Chaque cas est unique et sera \u00e9valu\u00e9 et trait\u00e9 individuellement.<\/p>\n<p>Il est essentiel de fournir des renseignements v\u00e9ridiques dans la proposition d\u2019assurance vie. Si vous avez du mal \u00e0 saisir le sens d\u2019une question ou \u00e0 y r\u00e9pondre correctement en fonction de votre situation particuli\u00e8re, votre conseiller en assurance vie se fera un plaisir de vous aider.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> Il nous arrive tous \u00e0 l\u2019occasion d\u2019improviser de petits mensonges.En fait, il est plus facile de bl\u00e2mer la \u00ab\u00a0circulation infernale\u00a0\u00bb que d\u2019avouer avoir&#8230;<\/p>\n","protected":false},"featured_media":46850,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[],"good_reads_categories":[478],"class_list":["post-46851","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 v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie - 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\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie - ivari\" \/>\n<meta property=\"og:description\" content=\"Il nous arrive tous \u00e0 l\u2019occasion d\u2019improviser de petits mensonges.En fait, il est plus facile de bl\u00e2mer la \u00ab\u00a0circulation infernale\u00a0\u00bb que d\u2019avouer avoir...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/\" \/>\n<meta property=\"og:site_name\" content=\"ivari\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-31T18:46:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ivari.ca\/files\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.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=\"4 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\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/\",\"url\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/\",\"name\":\"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie - ivari\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ivari.ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ivari.ca\\\/files\\\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg\",\"datePublished\":\"2024-05-31T18:40:55+00:00\",\"dateModified\":\"2024-05-31T18:46:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/#primaryimage\",\"url\":\"https:\\\/\\\/ivari.ca\\\/files\\\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg\",\"contentUrl\":\"https:\\\/\\\/ivari.ca\\\/files\\\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg\",\"width\":2000,\"height\":1333},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/ressources\\\/faq\\\/bonnes-lectures\\\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/ivari.ca\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie\"}]},{\"@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":"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie - 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\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/","og_locale":"fr_FR","og_type":"article","og_title":"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie - ivari","og_description":"Il nous arrive tous \u00e0 l\u2019occasion d\u2019improviser de petits mensonges.En fait, il est plus facile de bl\u00e2mer la \u00ab\u00a0circulation infernale\u00a0\u00bb que d\u2019avouer avoir...","og_url":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/","og_site_name":"ivari","article_modified_time":"2024-05-31T18:46:41+00:00","og_image":[{"width":2000,"height":1333,"url":"https:\/\/ivari.ca\/files\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/","url":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/","name":"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie - ivari","isPartOf":{"@id":"https:\/\/ivari.ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/#primaryimage"},"image":{"@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/#primaryimage"},"thumbnailUrl":"https:\/\/ivari.ca\/files\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg","datePublished":"2024-05-31T18:40:55+00:00","dateModified":"2024-05-31T18:46:41+00:00","breadcrumb":{"@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/#primaryimage","url":"https:\/\/ivari.ca\/files\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg","contentUrl":"https:\/\/ivari.ca\/files\/mixed-race-couple-sitting-in-their-living-room-reading-paperwork.jpg","width":2000,"height":1333},{"@type":"BreadcrumbList","@id":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/limportance-dune-divulgation-complete-dans-la-proposition-dassurance-vie\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ivari.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"L\u2019importance d\u2019une divulgation compl\u00e8te dans la proposition d\u2019assurance vie"}]},{"@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\/46851","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\/46850"}],"wp:attachment":[{"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/media?parent=46851"}],"wp:term":[{"taxonomy":"social_share","embeddable":true,"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/social_share?post=46851"},{"taxonomy":"good_reads_categories","embeddable":true,"href":"https:\/\/ivari.ca\/fr\/wp-json\/wp\/v2\/good_reads_categories?post=46851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}