{"id":130,"date":"2022-08-25T08:53:21","date_gmt":"2022-08-25T08:53:21","guid":{"rendered":"https:\/\/shtheme.com\/demosd\/insuren\/?page_id=130"},"modified":"2025-12-19T09:17:15","modified_gmt":"2025-12-19T08:17:15","slug":"faq","status":"publish","type":"page","link":"https:\/\/preprod.proxi.systems\/lloyd\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"130\" class=\"elementor elementor-130\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3078e32 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3078e32\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2234fde\" data-id=\"2234fde\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a11abb elementor-align-left elementor-widget elementor-widget-pages-header\" data-id=\"5a11abb\" data-element_type=\"widget\" data-widget_type=\"pages-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t<section class=\"page-title-section\" style=\"background-image: url(https:\/\/shtheme.com\/demosd\/insuren\/wp-content\/uploads\/2022\/09\/page-title-bg.jpg);\">\n\t\t\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-xl-12\">\n\t\t\t\t\t\t<div class=\"breadcrumb-area\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"page-title\">FAQ<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"breadcrumbs-link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"\">Accueil<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"active\">FAQ<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67c4716 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"67c4716\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08e115e\" data-id=\"08e115e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe8f230 elementor-align-left elementor-widget elementor-widget-pages-faq\" data-id=\"fe8f230\" data-element_type=\"widget\" data-widget_type=\"pages-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t<section class=\"request-a-call-back pdt-110 pdt-md-100 pdb-95\" data-background=\"https:\/\/shtheme.com\/demosd\/insuren\/wp-content\/uploads\/2022\/12\/abs-bg11-1.png\">\n\t\t\t\t<div class=\"container\">\n\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col-xl-5 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t<h2 class=\"title mrb-30\">Questions Fr\u00e9quentes :<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mrb-45\">Bienvenue dans notre espace d\u00e9di\u00e9 aux questions fr\u00e9quentes. L'assurance vie est un pilier essentiel de votre planification financi\u00e8re. Chez Lloyd Assurances Vie, nous nous engageons \u00e0 vous fournir des informations claires et transparentes pour vous aider \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es.\n\nSi votre question ne figure pas ci-dessous, notre \u00e9quipe de conseillers est \u00e0 votre enti\u00e8re disposition pour un accompagnement personnalis\u00e9.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"?page_id=128\" class=\"cs-btn-one btn-primary-color btn-md btn-block mrb-lg-40\">Contact<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"col\"><\/div>\n\t\t\t\t<div class=\"col-xl-6 col-lg-6\">\n\t\t\t\t\t<div class=\"faq-block\">\n\t\t\t\t\t\t<div class=\"accordion\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Lexique\u202f: <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Accident<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0toute atteinte dommageable, soudaine et involontaire, port\u00e9e au corps humain par une cause\u00a0ext\u00e9rieure extraordinaire, qui compromet la sant\u00e9 physique, mentale ou psychique ou qui entra\u00eene la mort.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Assur\u00e9<\/span><\/b><span data-contrast=\"auto\">\u00a0: personne physique sur la t\u00eate de laquelle reposent les garanties. Son consentement est\u00a0obligatoire pour la validit\u00e9 du contrat.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Avance\u00a0:<\/span><\/b><span data-contrast=\"auto\">\u00a0possibilit\u00e9 offerte au souscripteur d\u2019obtenir une avance remboursable sur son \u00e9pargne\u00a0constitu\u00e9e.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">B\u00e9n\u00e9ficiaire(s) :<\/span><\/b><span data-contrast=\"auto\">\u00a0la ou les personne(s) d\u00e9sign\u00e9e(s) par le souscripteur, au profit de laquelle\/desquelles la\u00a0prestation assur\u00e9e est stipul\u00e9e.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Epargne\u00a0constitu\u00e9e<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0ce sont les primes \u00e9pargne, diminu\u00e9es des frais sur versement, augment\u00e9es des\u00a0participations aux b\u00e9n\u00e9fices nettes des frais de gestion.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Franchise<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0p\u00e9riode ou pourcentage ou capital restant \u00e0 la charge de l'assur\u00e9 (donc non indemnis\u00e9\u00a0par\u00a0LLOYD VIE) dans le cas o\u00f9 survient un sinistre.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"7\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Incapacit\u00e9 de\u00a0travail<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0un assur\u00e9 est consid\u00e9r\u00e9 en \u00e9tat d\u2019Incapacit\u00e9 Temporaire Totale de Travail si, \u00e0 la\u00a0suite d\u2019un accident ou d\u2019une maladie, il se trouve pendant une p\u00e9riode continue dans l\u2019impossibilit\u00e9 compl\u00e8te et m\u00e9dicalement reconnue de reprendre une\u00a0activit\u00e9 professionnelle quelconque, m\u00eame \u00e0 temps partiel.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"8\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Invalidit\u00e9 Absolue et D\u00e9finitive (IAD) :<\/span><\/b><span data-contrast=\"auto\">\u00a0Est consid\u00e9r\u00e9 en \u00e9tat d\u2019Invalidit\u00e9 Absolue et D\u00e9finitive, l\u2019assur\u00e9 (e)\u00a0qui, par suite de maladie ou d\u2019accident survenu en cours de contrat, est d\u00e9finitivement incapable de se livrer \u00e0 une activit\u00e9 ou \u00e0 un travail lui procurant gain et profit et\u00a0en outre\u00a0dans l\u2019obligation d\u2019avoir recours \u00e0 l\u2019assistance d\u2019une tierce personne pour effectuer les actes\u00a0courants de la vie quotidienne (se laver, se v\u00eatir, se nourrir, se d\u00e9placer).\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"9\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Invalidit\u00e9 permanente (IP) :<\/span><\/b><span data-contrast=\"auto\">\u00a0un assur\u00e9 est consid\u00e9r\u00e9 en \u00e9tat d\u2019Invalidit\u00e9 Permanente s\u2019il est, \u00e0 la suite d\u2019un\u00a0accident ou d\u2019une maladie et apr\u00e8s consolidation de son \u00e9tat, atteint(e), d\u2019une invalidit\u00e9 fonctionnelle\u00a0pr\u00e9sum\u00e9e d\u00e9finitive dont le taux d\u2019invalidit\u00e9 est sup\u00e9rieur \u00e0 33 %.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"10\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Participation aux b\u00e9n\u00e9ficies (PB) :<\/span><\/b><span data-contrast=\"auto\">\u00a0Le m\u00e9canisme selon lequel\u00a0LLOYD\u00a0VIE fait participer le souscripteur \u00e0\u00a0pourcentage\u00a0des b\u00e9n\u00e9fices financiers d\u00e9gag\u00e9s par le placement des primes collect\u00e9es.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"11\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Rachat :<\/span><\/b><span data-contrast=\"auto\">\u00a0op\u00e9ration par laquelle le souscripteur retire la totalit\u00e9 ou une partie de son \u00e9pargne constitu\u00e9e.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"12\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Rente\u00a0certaine<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0versement p\u00e9riodique servi p\u00e9riodiquement pendant une dur\u00e9e pr\u00e9d\u00e9finie. En cas de\u00a0d\u00e9c\u00e8s avant la fin de la p\u00e9riode de service, le reliquat est vers\u00e9 aux b\u00e9n\u00e9ficiaires.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"13\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Rente\u00a0temporaire<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0versement p\u00e9riodique servi pendant une dur\u00e9e pr\u00e9d\u00e9finie et qui s\u2019arr\u00eate en cas de\u00a0d\u00e9c\u00e8s avant la fin de la p\u00e9riode de service.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"14\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Rente\u00a0viag\u00e8re :<\/span><\/b><span data-contrast=\"auto\">\u00a0versement p\u00e9riodique permettant au rentier de b\u00e9n\u00e9ficier d\u2019arr\u00e9rages sa vie durant et\u00a0cessent \u00e0 son d\u00e9c\u00e8s.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"15\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Souscripteur :<\/span><\/b><span data-contrast=\"auto\">\u00a0personne physique ou morale d\u00e9sign\u00e9e en cette qualit\u00e9 aux Conditions Particuli\u00e8res\u00a0appel\u00e9e \u00e0 contracter avec l\u2019Assureur et redevable du paiement des primes.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"16\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Taux minimum garanti\u00a0annuel<\/span><\/b><span data-contrast=\"auto\">\u00a0:\u00a0repr\u00e9sente le taux minimum sur lequel\u00a0LLOYD\u00a0VIE s\u2019engage annuellement\u00a0\u00e0 r\u00e9mun\u00e9rer l\u2019\u00e9pargne.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header active\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Qu\u2019est-ce qu\u2019un contrat d\u2019assurance vie ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">C\u2019est un contrat d\u2019assurance souscrit par une personne physique ou morale en vue de garantir \u00e0 des b\u00e9n\u00e9ficiaires\u202fd\u00e9sign\u00e9s :<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">Une somme d\u2019argent cas de vie\u202fde l\u2019assur\u00e9 \u00e0 la fin du contrat : c\u2019est la garantie\u00a0<\/span><b><span data-contrast=\"auto\">\u00e9pargne.<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Une somme d\u2019argent en cas de survenance d\u2019al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9, incapacit\u00e9 de travail, maladie \u2026) avant la fin du contrat\u202f: c\u2019est la garantie\u00a0<\/span><b><span data-contrast=\"auto\">pr\u00e9voyance.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Le contrat d\u2019assurance vie peut \u00eatre\u202f:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Un contrat d\u2019\u00e9pargne pure<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Un contrat de pr\u00e9voyance pure<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Un contrat mixte (\u00e9pargne et pr\u00e9voyance)<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Comment fixer la dur\u00e9e d\u2019un contrat d\u2019assurance vie\u202f? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">La dur\u00e9e d\u2019un contrat d\u2019assurance vie se fixe en fonction de\u00a0deux\u00a0\u00e9l\u00e9ments :<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">L\u2019objectif\u00a0souhait\u00e9\u202f<\/span><\/b><span data-contrast=\"auto\">:\u00a0la dur\u00e9e d\u2019un contrat d\u2019assurance vie est d\u00e9termin\u00e9e\u00a0g\u00e9n\u00e9ralement\u00a0de mani\u00e8re \u00e0 faire co\u00efncider le terme du contrat avec l\u2019\u00e9ch\u00e9ance du projet \u00e0 financer : pr\u00e9paration de la retraite, \u00e9tudes des enfants, ou tout autre objectif patrimonial. Cette ad\u00e9quation garantit une accumulation optimale de l\u2019\u00e9pargne et une disponibilit\u00e9 des fonds au moment pr\u00e9cis o\u00f9 le besoin se pr\u00e9sente.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">La fiscalit\u00e9\u202f:\u00a0<\/span><\/b><span data-contrast=\"auto\">pour les contrats d\u2019\u00e9pargne, nous recommandons de fixer la dur\u00e9e\u00a0minimale\u00a0\u00e0 8 ans permettant\u00a0au souscripteur\u00a0de b\u00e9n\u00e9ficier des avantages fiscaux.<\/span><b><span data-contrast=\"auto\">\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Comment fixer la prime d\u2019assurance vie ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">La\u00a0prime\u00a0d\u2019assurance vie se fixe en fonction de deux \u00e9l\u00e9ments :<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"7\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Les garanties souhait\u00e9es<\/span><\/b><span data-contrast=\"auto\">\u202f:\u00a0Le montant de la prime varie selon le niveau de protection choisi : capital garanti, type de couverture (d\u00e9c\u00e8s, mixte, \u00e9pargne) et \u00e9ventuelles garanties compl\u00e9mentaires.\u00a0Plus les garanties sont importantes, plus la prime est \u00e9lev\u00e9e.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"8\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Le budget que le souscripteur souhaite consacrer<\/span><\/b><span data-contrast=\"auto\">\u202f:\u00a0Le souscripteur indique le montant qu\u2019il est pr\u00eat \u00e0 verser (mensuellement, annuellement ou en prime unique).<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">La couverture et le capital sont ensuite adapt\u00e9s automatiquement \u00e0 ce budget\u00a0pour offrir\u00a0une solution flexible et accessible.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Quels sont les avantages fiscaux relatifs \u00e0 l\u2019assurance vie : <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"9\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Article 39 du code de l\u2019IRPP et de l\u2019IS (modifi\u00e9 par la loi de finance 2021)<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Les primes pay\u00e9es par le souscripteur dans le cadre des contrats assurance-vie et des contrats de capitalisation sont d\u00e9ductibles du revenu imposable dans la limite de 100 000 dinars par an en tenant compte du minimum d\u2019imp\u00f4t et ce, lorsque ces contrats comportent l\u2019une des garanties suivantes :<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Garantie d'un capital ou d\u2019une rente au profit de l'assur\u00e9, de son conjoint, de ses ascendants ou descendants d'une dur\u00e9e effective au moins \u00e9gale \u00e0 huit ans\u202f;<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Garantie des unit\u00e9s de compte au profit de l'assur\u00e9, de son conjoint, de ses ascendants ou descendants servies apr\u00e8s une dur\u00e9e minimale qui ne doit pas \u00eatre inf\u00e9rieure \u00e0 huit ans\u202f;<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Garantie d'un capital ou d\u2019une rente en cas de d\u00e9c\u00e8s au profit du conjoint, des ascendants ou des descendants.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Article 38 du code de L\u2019IRPP et l\u2019IS (modifi\u00e9 par la loi de finance 2020)<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Ne sont pas soumis \u00e0\u00a0l\u2019imp\u00f4t :\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">16- les sommes pay\u00e9es dans le cadre de l\u2019ex\u00e9cution des contrats d\u2019assurance vis\u00e9s au paragraphe 2 du paragraphe I de l\u2019article 39 du pr\u00e9sent code, \u00e0 l\u2019exception des sommes pay\u00e9es dans le cadre des contrats assurance vie et des contrats de capitalisation en ex\u00e9cution des obligations du souscripteur pr\u00e9vues par la l\u00e9gislation en vigueur.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Article 54 du code des droits d\u2019enregistrement et de timbre<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">\u00a0Le capital d\u00e9c\u00e8s, les rentes et les sommes revenant aux ayants droits des contrats d\u2019assurance vie sont exon\u00e9r\u00e9es du droit d\u2019enregistrement sur les successions.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Qu\u2019est-ce que la prime optimale d\u2019assurance vie\u202fsur le plan fiscal ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">La prime optimale d\u2019assurance vie fiscalement,\u00a0est le montant de prime qui permet de maximiser\u00a0le gain fiscal. Elle est calcul\u00e9e en fonction du revenu net imposable.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">En payant la prime optimale, le souscripteur r\u00e9duit ses imp\u00f4ts \u00e0 45%.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Que faire en cas de rachat d\u2019un contrat d\u2019assurance vie avant l\u2019\u00e9coulement de 8 ans ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW60084526 BCX0\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW60084526 BCX0\">Pour b\u00e9n\u00e9ficier des avantages fiscaux, la dur\u00e9e du contrat doit \u00eatre au moins \u00e9gale \u00e0 8 ans. En cas de\u00a0<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">r\u00e9cup\u00e9ration de l\u2019\u00e9pargne<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00a0avant cette p\u00e9riode,\u00a0<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">il faut<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00a0payer l\u2019imp\u00f4t au titre des versements qui ont \u00e9t\u00e9 d\u00e9duits\u00a0<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">du<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00a0revenu imposable.<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">Le rachat est subordonn\u00e9<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00e0 la production d\u2019une attestation\u00a0<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">d<\/span><span class=\"NormalTextRun SCXW60084526 BCX0\">\u00e9livr\u00e9e par les services du contr\u00f4le fiscal comp\u00e9tents attestant que le souscripteur a r\u00e9gularis\u00e9 sa situation fiscale au titre des cotisations ayant b\u00e9n\u00e9fici\u00e9 de la d\u00e9duction.<\/span><\/span><span class=\"EOP SCXW60084526 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Qu\u2019est-ce que le transfert d\u2019un contrat d\u2019assurance vie ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW107013279 BCX0\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW107013279 BCX0\">Le transfert\u00a0<\/span><span class=\"NormalTextRun SCXW107013279 BCX0\">d\u2019un contrat d\u2019assurance vie est le transfert de\u00a0<\/span><span class=\"NormalTextRun SCXW107013279 BCX0\">l\u2019\u00e9pargne constitu\u00e9e d\u2019un contrat \u00e0 un autre contrat souscrit aupr\u00e8s du m\u00eame assureur ou aupr\u00e8s d\u2019un autre.<\/span><span class=\"NormalTextRun SCXW107013279 BCX0\">\u00a0Ainsi v<\/span><span class=\"NormalTextRun SCXW107013279 BCX0\">ous avez la possibilit\u00e9 de transf\u00e9rer votre contrat d\u2019assurance vie souscrit aupr\u00e8s d\u2019une autre compagnie d\u2019assurance vers votre contrat souscrit aupr\u00e8s de\u00a0<\/span><span class=\"NormalTextRun SCXW107013279 BCX0\">LLOYD VIE<\/span><span class=\"NormalTextRun SCXW107013279 BCX0\">.<\/span><\/span><span class=\"EOP SCXW107013279 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Comment peut-on b\u00e9n\u00e9ficier des avantages fiscaux ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><b><span data-contrast=\"auto\">Selon la profession\u202f<\/span><\/b><span data-contrast=\"auto\">:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Clients salari\u00e9s\u202f:<\/span><\/b><span data-contrast=\"auto\">\u00a0Une attestation est d\u00e9livr\u00e9e au client. Elle devra \u00eatre pr\u00e9sent\u00e9e au responsable de la paie chez l \u2019employeur au plus tard au d\u00e9but du mois de d\u00e9cembre.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Clients ind\u00e9pendants<\/span><\/b><span data-contrast=\"auto\">\u202f:\u00a0Une attestation est d\u00e9livr\u00e9e au client. Elle devra \u00eatre pr\u00e9sent\u00e9e au receveur des finances lors de la d\u00e9claration d\u2019imp\u00f4t.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><p><b><span data-contrast=\"auto\">Selon le mode de versement\u202f:<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Contrat \u00e0 versements libres\u202f:<\/span><\/b><span data-contrast=\"auto\">\u00a0Une attestation est d\u00e9livr\u00e9e lors de chaque versement<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Contrat \u00e0 versements r\u00e9guliers\u202f<\/span><\/b><span data-contrast=\"auto\">:\u00a0Une attestation est d\u00e9livr\u00e9e au mois de septembre et d\u00e9cembre de chaque ann\u00e9e ou \u00e0 la demande\u00a0du client.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h5 class=\"title\">Pourquoi les banques exigent-elles une assurance vie ? <\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fas fa-arrow-right\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Les banques\u00a0exigent\u00a0la souscription d\u2019une assurance vie lorsqu\u2019elles accordent un\u00a0cr\u00e9dit, et ce\u00a0pour\u00a0les\u00a0raisons\u00a0suivantes\u00a0:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Garantir le remboursement du pr\u00eat\u00a0en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9 absolue et d\u00e9finitive\u202fde l\u2019emprunteur, dans ce cas, le capital restant d\u00fb est rembours\u00e9 automatiquement\u00a0\u00e0 la banque.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Prot\u00e9ger\u00a0la\u00a0famille\u00a0de l\u2019emprunteur, l\u2019assurance permet \u00e9galement \u00e0 l\u2019emprunteur de pr\u00e9server ses proches d\u2019une charge financi\u00e8re importante en cas de d\u00e9c\u00e8s ou\u00a0d\u2019incapacit\u00e9 de remboursement\u00a0suite \u00e0 une\u00a0invalidit\u00e9.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQ Accueil FAQ Questions Fr\u00e9quentes : Bienvenue dans notre espace d\u00e9di\u00e9 aux questions fr\u00e9quentes. L&rsquo;assurance vie est un pilier essentiel de votre planification financi\u00e8re. Chez Lloyd Assurances Vie, nous nous engageons \u00e0 vous fournir des informations claires et transparentes pour vous aider \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es. Si votre question ne figure pas ci-dessous, notre [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/home.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-130","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/pages\/130","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/comments?post=130"}],"version-history":[{"count":17,"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/pages\/130\/revisions"}],"predecessor-version":[{"id":1880,"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/pages\/130\/revisions\/1880"}],"wp:attachment":[{"href":"https:\/\/preprod.proxi.systems\/lloyd\/wp-json\/wp\/v2\/media?parent=130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}