{"id":1689,"date":"2022-05-11T12:25:51","date_gmt":"2022-05-11T12:25:51","guid":{"rendered":"https:\/\/rouzade.com\/?p=1689"},"modified":"2024-05-06T11:30:41","modified_gmt":"2024-05-06T09:30:41","slug":"strahovanie-pohoron-essen-ciel","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/","title":{"rendered":"Assurance obs\u00e8ques ESSEN&#039;CIEL"},"content":{"rendered":"<p>Le produit ESSEN&#039;CIEL est fabriqu\u00e9 par AXA.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b0%d0%b2%d0%bb%d1%8f%d0%b5%d1%82_%d1%81%d0%be%d0%b1%d0%be%d0%b9_%d0%bf%d1%80%d0%be%d0%b4%d1%83%d0%ba%d1%82\" >Quel est le produit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%9a%d1%82%d0%be_%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\" >Qui peut signer le contrat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%92%d1%8b%d0%b3%d0%be%d0%b4%d1%8b_%d0%b8_%d0%b7%d0%b0%d1%82%d1%80%d0%b0%d1%82%d1%8b\" >Avantages et co\u00fbts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%9f%d1%80%d0%be%d0%b4%d0%be%d0%bb%d0%b6%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%8c_%d0%b6%d0%b8%d0%b7%d0%bd%d0%b8\" >Dur\u00e9e de vie<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%9a%d0%b0%d0%ba%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%b8_%d0%b8_%d0%b2%d1%8b%d0%b3%d0%be%d0%b4%d1%8b\" >Quels sont les risques et les avantages ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%be%d0%b9%d0%b4%d0%b5%d1%82_%d0%b5%d1%81%d0%bb%d0%b8_axa_france_vie_%d0%bd%d0%b5_%d1%81%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%b5%d1%81%d1%82%d0%b8_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6\" >Que se passe-t-il si AXA France Vie n&#039;est pas en mesure d&#039;effectuer un paiement ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/strahovanie-pohoron-essen-ciel\/#%d0%9a%d0%b0%d0%ba_%d0%b4%d0%be%d0%bb%d0%b3%d0%be_%d1%8f_%d0%b4%d0%be%d0%bb%d0%b6%d0%b5%d0%bd_%d0%b4%d0%b5%d1%80%d0%b6%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82_%d0%b8_%d0%bc%d0%be%d0%b3%d1%83_%d0%bb%d0%b8_%d1%8f_%d1%81%d0%bd%d1%8f%d1%82%d1%8c_%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8_%d1%80%d0%b0%d0%bd%d1%8c%d1%88%d0%b5_%d0%b5%d0%b3%d0%be_%d0%be%d0%ba%d0%be%d0%bd%d1%87%d0%b0%d0%bd%d0%b8%d1%8f\" >Combien de temps dois-je conserver le contrat et puis-je retirer de l\u2019argent avant son terme ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b0%d0%b2%d0%bb%d1%8f%d0%b5%d1%82_%d1%81%d0%be%d0%b1%d0%be%d0%b9_%d0%bf%d1%80%d0%be%d0%b4%d1%83%d0%ba%d1%82\"><\/span>Quel est le produit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESSEN&#039;CIEL est un contrat d&#039;assurance vie volontaire. Il garantit le versement du capital au b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s de l&#039;assur\u00e9. Le capital est destin\u00e9 \u00e0 financer les obs\u00e8ques de l&#039;assur\u00e9. Le contrat pr\u00e9voit \u00e9galement des prestations d&#039;assistance. Ces garanties sont fournies en \u00e9change des cotisations des membres.<\/p>\n<p>Chaque ann\u00e9e, le capital garanti augmente de 1%, ainsi que la participation aux b\u00e9n\u00e9fices de l&#039;entreprise. La participation aux b\u00e9n\u00e9fices est d\u00e9termin\u00e9e globalement au niveau de l&#039;assureur et<br \/>\njoint \u00e0 tous les contrats d\u2019assureur.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d1%82%d0%be_%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\"><\/span>Qui peut signer le contrat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESSEN&#039;CIEL s&#039;adresse \u00e0 toute personne physique, r\u00e9sidente fiscale de France, qui souhaite subvenir au financement d&#039;obs\u00e8ques. Au jour de la signature de la demande de souscription, l&#039;\u00e2ge de l&#039;assur\u00e9 doit \u00eatre compris entre 50 et 85 ans inclus.<\/p>\n<p>Aucune connaissance ou exp\u00e9rience en mati\u00e8re de transactions financi\u00e8res n&#039;est requise pour investir dans ce contrat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%92%d1%8b%d0%b3%d0%be%d0%b4%d1%8b_%d0%b8_%d0%b7%d0%b0%d1%82%d1%80%d0%b0%d1%82%d1%8b\"><\/span>Avantages et co\u00fbts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Jusqu&#039;au d\u00e9c\u00e8s de l&#039;assur\u00e9 : le capital souscrit est r\u00e9\u00e9valu\u00e9<br \/>\nannuellement au tarif de 1%, une majoration est possible pour la participation aux b\u00e9n\u00e9fices au titre du contrat.<\/li>\n<li>En cas de d\u00e9c\u00e8s de l&#039;assur\u00e9 : le capital est vers\u00e9 au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9. En cas de d\u00e9c\u00e8s d\u00fb \u00e0 un accident,<br \/>\nLa garantie est vers\u00e9e \u00e0 compter de la date d&#039;entr\u00e9e en vigueur du contrat. Dans les autres cas ou en cas de suicide, il y a un d\u00e9lai dans le d\u00e9but des garanties - 1 an apr\u00e8s l&#039;entr\u00e9e en vigueur du contrat. Autrement dit, si le d\u00e9c\u00e8s n&#039;est pas accidentel ou r\u00e9sulte d&#039;un suicide au cours de la premi\u00e8re ann\u00e9e, AXA remboursera au souscripteur du contrat le montant des primes nettes vers\u00e9es diminu\u00e9 des frais de fonctionnement et de gestion.<\/li>\n<\/ul>\n<p>Le contrat comprend \u00e9galement des prestations d&#039;assistance, d\u00e9taill\u00e9es dans le livret d&#039;information.<\/p>\n<p>En \u00e9change de garanties, le souscripteur s&#039;engage \u00e0 payer des frais fixes \u00e0 vie d\u00e9termin\u00e9s au moment de la signature du contrat en fonction de l&#039;\u00e2ge et du montant des garanties. En cas de non-paiement des primes, l&#039;assureur peut r\u00e9duire le montant du capital garanti, \u00e0 condition que le souscripteur ait r\u00e9gl\u00e9 sa premi\u00e8re ann\u00e9e d&#039;adh\u00e9sion. Dans le cas contraire, l&#039;adh\u00e9sion sera r\u00e9sili\u00e9e.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d1%80%d0%be%d0%b4%d0%be%d0%bb%d0%b6%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%8c_%d0%b6%d0%b8%d0%b7%d0%bd%d0%b8\"><\/span>Dur\u00e9e de vie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESSEN&#039;CIEL dure toute la vie et prend fin au d\u00e9c\u00e8s de l&#039;assur\u00e9, mais \u00e9galement en cas de r\u00e9siliation ou d&#039;abandon complet du contrat. L&#039;adh\u00e9sion peut \u00eatre r\u00e9duite conform\u00e9ment aux dispositions des conditions g\u00e9n\u00e9rales du contrat. Le souscripteur peut conserver sa qualit\u00e9 de membre avec cessation du paiement des cotisations, mais en contrepartie, le capital garanti est r\u00e9duit. Une r\u00e9duction des versements entra\u00eene la cessation des garanties d&#039;assistance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%b8_%d0%b8_%d0%b2%d1%8b%d0%b3%d0%be%d0%b4%d1%8b\"><\/span>Quels sont les risques et les avantages ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&#039;indicateur de risque est de 3 sur 7, ce qui correspond \u00e0 une classe de risque entre faible et moyen. Il permet d&#039;\u00e9valuer le niveau de risque du produit ESSEN&#039;CIEL par rapport aux autres produits. Cela indique la probabilit\u00e9 que ce produit subisse des pertes en cas de fluctuations du march\u00e9 ou de notre incapacit\u00e9 \u00e0 vous payer.<\/p>\n<p>Le montant total des cotisations payables pendant la dur\u00e9e du contrat peut exc\u00e9der le montant du capital qui serait payable au d\u00e9c\u00e8s si :<br \/>\nla dur\u00e9e de vie de l&#039;assur\u00e9 d\u00e9passe la dur\u00e9e de vie calcul\u00e9e par l&#039;assureur.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2618\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Nous avons class\u00e9 ce produit dans une classe de risque 3 sur 7, c&#039;est-\u00e0-dire une classe de risque entre faible et moyen. En d\u2019autres termes, les pertes potentielles associ\u00e9es aux performances futures des produits sont faibles \u00e0 mod\u00e9r\u00e9es et, si les march\u00e9s se d\u00e9t\u00e9rioraient, notre solvabilit\u00e9 ne serait probablement pas affect\u00e9e.<br \/>\nVous pouvez n\u00e9anmoins b\u00e9n\u00e9ficier d&#039;un syst\u00e8me de protection du consommateur (voir rubrique \u00ab Que se passe-t-il si AXA France Vie ne peut effectuer les paiements ? \u00bb). L&#039;indicateur pr\u00e9sent\u00e9 ci-dessus ne prend pas en compte cette protection.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%be%d0%b9%d0%b4%d0%b5%d1%82_%d0%b5%d1%81%d0%bb%d0%b8_axa_france_vie_%d0%bd%d0%b5_%d1%81%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%b5%d1%81%d1%82%d0%b8_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6\"><\/span>Que se passe-t-il si AXA France Vie n&#039;est pas en mesure d&#039;effectuer un paiement ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En cas de d\u00e9faillance d&#039;un assureur, il existe le Fonds de Garantie de Garantie (FGAP), qui intervient dans la d\u00e9cision de l&#039;ACPR en avisant l&#039;assureur d\u00e9faillant et qui se charge d&#039;indemniser les dommages et int\u00e9r\u00eats de tous les contrats d&#039;assurance ou de capitalisation conclus avec cet assureur. Dans ce cas, le souscripteur ou le b\u00e9n\u00e9ficiaire per\u00e7oit une prestation pouvant aller jusqu&#039;\u00e0 70 000 \u20ac en cas de d\u00e9c\u00e8s.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d0%b4%d0%be%d0%bb%d0%b3%d0%be_%d1%8f_%d0%b4%d0%be%d0%bb%d0%b6%d0%b5%d0%bd_%d0%b4%d0%b5%d1%80%d0%b6%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82_%d0%b8_%d0%bc%d0%be%d0%b3%d1%83_%d0%bb%d0%b8_%d1%8f_%d1%81%d0%bd%d1%8f%d1%82%d1%8c_%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8_%d1%80%d0%b0%d0%bd%d1%8c%d1%88%d0%b5_%d0%b5%d0%b3%d0%be_%d0%be%d0%ba%d0%be%d0%bd%d1%87%d0%b0%d0%bd%d0%b8%d1%8f\"><\/span>Combien de temps dois-je conserver le contrat et puis-je retirer de l\u2019argent avant son terme ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Dur\u00e9e de conservation recommand\u00e9e<\/strong>: jusqu&#039;au d\u00e9c\u00e8s de l&#039;assur\u00e9<\/p>\n<p><strong>P\u00e9riode d&#039;annulation<\/strong>: Vous pouvez r\u00e9silier votre adh\u00e9sion sans frais dans un d\u00e9lai de 30 jours calendaires \u00e0 compter de la date de notification de la signature du contrat.<\/p>\n<p><strong>Dur\u00e9e de conservation recommand\u00e9e<\/strong>: Le contrat a pour objet de garantir, en cas de d\u00e9c\u00e8s de l&#039;assur\u00e9, le versement du capital destin\u00e9 \u00e0 financer ses obs\u00e8ques au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9. Il convient donc de maintenir le contrat tout au long de sa vie pour b\u00e9n\u00e9ficier de toutes les garanties du contrat.<\/p>\n<p>Cons\u00e9quences possibles d&#039;une r\u00e9siliation du contrat avant le d\u00e9c\u00e8s de l&#039;assur\u00e9 : Vous pouvez demander le remboursement de vos primes \u00e0 tout moment. Le montant du remboursement est calcul\u00e9 en fonction de la dur\u00e9e de votre affiliation, du nombre de cotisations et du montant des garanties. En cas de retour dans les 10 premi\u00e8res ann\u00e9es d&#039;adh\u00e9sion, une p\u00e9nalit\u00e9 sera factur\u00e9e et sera appliqu\u00e9e au montant du remboursement. Cette p\u00e9nalit\u00e9 est de 5% du prix de rachat la premi\u00e8re ann\u00e9e d&#039;adh\u00e9sion, puis diminu\u00e9e de 0,5% par an. Apr\u00e8s la dixi\u00e8me ann\u00e9e, il est nul.<\/p>\n<p>Si cette solution vous int\u00e9resse, n&#039;h\u00e9sitez pas \u00e0 me contacter, je me ferai un plaisir de vous aider \u00e0 l&#039;acqu\u00e9rir.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Inscrivez-vous pour une consultation<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>ESSEN&#039;CIEL dure toute la vie et prend fin au d\u00e9c\u00e8s de l&#039;assur\u00e9, mais \u00e9galement en cas de r\u00e9siliation ou d&#039;abandon complet du contrat. D\u00e9couvrez les d\u00e9tails.<\/p>","protected":false},"author":1,"featured_media":2616,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-1689","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0436\u0438\u0437\u043d\u0438 \u043f\u043e \u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u0443 ESSEN&#039;CIEL \u043d\u0430 Rouzade.com<\/title>\n<meta name=\"description\" content=\"\u041f\u0440\u043e\u0434\u0443\u043a\u0442 ESSEN&#039;CIEL \u0432\u044b\u043f\u0443\u0441\u043a\u0430\u0435\u0442\u0441\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0435\u0439 AXA. \u0423\u0437\u043d\u0430\u0439\u0442\u0435 \u0432\u0441\u0435 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