{"id":3503,"date":"2022-12-26T13:04:38","date_gmt":"2022-12-26T13:04:38","guid":{"rendered":"https:\/\/rouzade.com\/?p=3503"},"modified":"2024-05-06T11:21:27","modified_gmt":"2024-05-06T09:21:27","slug":"chto-takoe-assurance-vie","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/chto-takoe-assurance-vie\/","title":{"rendered":"Qu\u2019est-ce qu\u2019Assurance Vie"},"content":{"rendered":"<p>L&#039;Assurance Vie est le premier v\u00e9hicule d&#039;\u00e9pargne en France : le volume des contrats d&#039;assurance vie en vigueur atteint 1 876 milliards d&#039;euros \u00e0 fin d\u00e9cembre 2021, selon les donn\u00e9es cl\u00e9s de France Assureurs.<\/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\/chto-takoe-assurance-vie\/#assurance_vie_%d0%be%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%8b%d0%b5_%d0%bf%d1%80%d0%b8%d0%bd%d1%86%d0%b8%d0%bf%d1%8b\" >Assurance Vie : principes de base<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-assurance-vie\/#%d0%a4%d0%b8%d0%bd%d0%b0%d0%bd%d1%81%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d1%8d%d0%ba%d0%be%d0%bd%d0%be%d0%bc%d0%b8%d0%ba%d0%b8\" >Financer l&#039;\u00e9conomie<\/a><\/li><\/ul><\/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\/chto-takoe-assurance-vie\/#%d0%9d%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%be%d0%b1%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_assurance_vie\" >Fiscalit\u00e9 de l&#039;Assurance Vie<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-assurance-vie\/#%d0%95%d0%b4%d0%b8%d0%bd%d1%8b%d0%b9_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3_%d1%81_%d1%84%d0%b8%d0%ba%d1%81%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%b9_%d1%81%d1%82%d0%b0%d0%b2%d0%ba%d0%be%d0%b9_prelevement_forfaitaire_unique_pfu\" >Imp\u00f4t forfaitaire Pr\u00e9l\u00e8vement forfaitaire unique (PFU)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-assurance-vie\/#%d0%9f%d0%be%d0%b4%d0%be%d1%85%d0%be%d0%b4%d0%bd%d1%8b%d0%b9_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3\" >Imp\u00f4t sur le revenu<\/a><\/li><\/ul><\/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\/chto-takoe-assurance-vie\/#%d0%9d%d0%b5%d0%b2%d0%be%d1%81%d1%82%d1%80%d0%b5%d0%b1%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d1%8b%d0%b5_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d1%8b\" >Contrats non r\u00e9clam\u00e9s<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-assurance-vie\/#%c2%ab%d0%a1%d0%bf%d1%8f%d1%89%d0%b8%d0%b5%c2%bb_%d1%81%d1%87%d0%b5%d1%82%d0%b0_%d0%ba%d0%b0%d0%ba_%d0%b4%d0%be%d0%b1%d0%b8%d1%82%d1%8c%d1%81%d1%8f_%d0%b2%d0%be%d0%b7%d0%b2%d1%80%d0%b0%d1%82%d0%b0_%d1%81%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b2\" >Comptes \u00ab dormants \u00bb : comment se faire rembourser<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"assurance_vie_%d0%be%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%8b%d0%b5_%d0%bf%d1%80%d0%b8%d0%bd%d1%86%d0%b8%d0%bf%d1%8b\"><\/span>Assurance Vie : principes de base<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Il existe trois types de polices d&#039;assurance vie : l&#039;Assurance Vie pour la vie, l&#039;Assurance Vie pour le d\u00e9c\u00e8s et l&#039;Assurance Vie combin\u00e9e pour la vie et le d\u00e9c\u00e8s. Les contrats Assurance Vie garantissent le versement d&#039;un capital ou d&#039;une rente au preneur d&#039;assurance ou au b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 au contrat.<\/p>\n<p>L&#039;Assurance D\u00e9c\u00e8s Vie est une garantie pour les proches de l&#039;assur\u00e9, tandis que l&#039;Assurance Vie est davantage utilis\u00e9e comme un placement puisque l&#039;assur\u00e9 peut \u00eatre b\u00e9n\u00e9ficiaire du contrat.<\/p>\n<p>Il existe de nombreuses formules d&#039;Assurance Vie diff\u00e9rentes, selon la dur\u00e9e choisie et les options de sortie (versement de la rente ou montant du capital). Les risques auxquels l&#039;assur\u00e9 est expos\u00e9 d\u00e9pendent \u00e9galement du type de contrat : les contrats \u00e9mis dans le fonds euro ont un capital garanti, tandis que le capital des contrats li\u00e9s aux parts ou unit\u00e9s de compte (UC) varie en fonction de la situation des march\u00e9s financiers. .<\/p>\n<p>Les contrats Assurance Vie sont r\u00e9gis par le Code des Assurances, notamment les articles L131-1 et L132-1 et suivants.<\/p>\n<p>L&#039;information pr\u00e9contractuelle sur l&#039;Assurance Vie, la lisibilit\u00e9 et la transparence des contrats ont \u00e9t\u00e9 renforc\u00e9es par la loi 2005-1564 du 15 d\u00e9cembre 2005.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a4%d0%b8%d0%bd%d0%b0%d0%bd%d1%81%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d1%8d%d0%ba%d0%be%d0%bd%d0%be%d0%bc%d0%b8%d0%ba%d0%b8\"><\/span>Financer l&#039;\u00e9conomie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Afin d&#039;orienter l&#039;\u00e9pargne des citoyens vers le financement de l&#039;\u00e9conomie, les agences gouvernementales ont cr\u00e9\u00e9 des produits sp\u00e9ciaux.<\/p>\n<p>Ainsi, par d\u00e9cret n\u00b0 2014-1011 du 5 septembre 2014, un nouveau contrat d&#039;Assurance Vie en r\u00e9f\u00e9rence \u00e0 l&#039;UC, pr\u00e9vu \u00e0 l&#039;article 990 I du Code g\u00e9n\u00e9ral des imp\u00f4ts, a \u00e9t\u00e9 institu\u00e9, en application de la loi modifiant la loi de finances. de 2013, visant \u00e0 orienter l\u2019\u00e9pargne vers le financement des entreprises.<\/p>\n<p>Le d\u00e9cret n\u00b0 2014-696 du 26 juin 2014, qui encourage les cotisations Assurance Vie pour financer l&#039;\u00e9conomie, cr\u00e9e \u00e9galement de nouveaux contrats d&#039;euro-croissance Assurance Vie destin\u00e9s aux petites et moyennes entreprises. Le d\u00e9cret n\u00b0 2019-1437 du 23 d\u00e9cembre 2019 met en \u0153uvre la r\u00e9forme de ces trait\u00e9s, pr\u00e9vue \u00e0 l&#039;article 72 de la loi des Pactes du 22 mai 2019, \u00e0 compter du 1er janvier 2020.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9d%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%be%d0%b1%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_assurance_vie\"><\/span>Fiscalit\u00e9 de l&#039;Assurance Vie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La fiscalit\u00e9 de l&#039;Assurance Vie, d\u00e9taill\u00e9e sur le site France Assureurs, varie en fonction du contrat et des modalit\u00e9s de sortie. Ainsi, les b\u00e9n\u00e9ficiaires des contrats liquid\u00e9s au moment du d\u00e9c\u00e8s b\u00e9n\u00e9ficient d&#039;une exon\u00e9ration des droits de succession dans les conditions pr\u00e9cis\u00e9es dans la documentation fiscale BOI-ENR-DMTG-10-10-20-20.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3512\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/12\/2-1.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/12\/2-1.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/12\/2-1-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/12\/2-1-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/12\/2-1-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/12\/2-1-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%95%d0%b4%d0%b8%d0%bd%d1%8b%d0%b9_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3_%d1%81_%d1%84%d0%b8%d0%ba%d1%81%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%b9_%d1%81%d1%82%d0%b0%d0%b2%d0%ba%d0%be%d0%b9_prelevement_forfaitaire_unique_pfu\"><\/span>Imp\u00f4t forfaitaire Pr\u00e9l\u00e8vement forfaitaire unique (PFU)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L&#039;article 28 de la loi de finances 2018 introduit un pr\u00e9l\u00e8vement forfaitaire PFU pour simplifier et r\u00e9duire l&#039;imposition des revenus des instruments financiers (int\u00e9r\u00eats, dividendes) et des plus-values au taux forfaitaire de 30%.<\/p>\n<p>Les contribuables aux revenus inf\u00e9rieurs peuvent choisir la tranche d\u2019imposition sur le revenu TMI si elle est plus avantageuse. Toutefois, le r\u00e9gime pr\u00e9c\u00e9dent demeure pour les contrats Assurance Vie dont le total d&#039;actif est inf\u00e9rieur \u00e0 150 000 \u20ac.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9f%d0%be%d0%b4%d0%be%d1%85%d0%be%d0%b4%d0%bd%d1%8b%d0%b9_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3\"><\/span>Imp\u00f4t sur le revenu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sur le plan de l&#039;imp\u00f4t sur le revenu, les produits Assurance Vie b\u00e9n\u00e9ficient du r\u00e9gime de faveur institu\u00e9 par l&#039;article 125-0 A du Code G\u00e9n\u00e9ral des Imp\u00f4ts et comment\u00e9 dans la d\u00e9claration fiscale BOI-RPPM-RCM-10-10-80. Ainsi, selon l&#039;option choisie, les contrats de plus de 8 ans b\u00e9n\u00e9ficient des avantages suivants :<\/p>\n<ul>\n<li>Une d\u00e9duction de 4 600 \u20ac (ou 9 200 \u20ac en cas d&#039;imposition commune) sur l&#039;imp\u00f4t sur le revenu.<\/li>\n<li>Et un taux de pr\u00e9l\u00e8vement \u00e0 la source r\u00e9duit de 7,5%.<\/li>\n<\/ul>\n<blockquote><p>L&#039;article 125-0 A du General Internal Revenue Code pr\u00e9voit une exon\u00e9ration de l&#039;imp\u00f4t sur le revenu lorsque les retraits r\u00e9sultent de licenciements, d&#039;une retraite anticip\u00e9e ou d&#039;une invalidit\u00e9.<\/p><\/blockquote>\n<p>Par ailleurs, les contrats Assurance Vie b\u00e9n\u00e9ficient d&#039;une r\u00e9duction d&#039;imp\u00f4t lors de leur \u00e9mission en faveur des personnes handicap\u00e9es, \u00e0 hauteur de 25% du montant des primes vers\u00e9es, conform\u00e9ment \u00e0 l&#039;article 199 du Code g\u00e9n\u00e9ral des imp\u00f4ts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9d%d0%b5%d0%b2%d0%be%d1%81%d1%82%d1%80%d0%b5%d0%b1%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d1%8b%d0%b5_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d1%8b\"><\/span>Contrats non r\u00e9clam\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La loi n\u00b0 2007-1775 du 17 d\u00e9cembre 2007 oblige les assureurs \u00e0 rechercher les b\u00e9n\u00e9ficiaires des contrats \u00e9chus s&#039;ils ne se sont pas pr\u00e9sent\u00e9s et que leurs coordonn\u00e9es ne sont pas indiqu\u00e9es dans le contrat.<\/p>\n<p>Le p\u00e9rim\u00e8tre des obligations des assureurs au titre des contrats non r\u00e9clam\u00e9s a \u00e9t\u00e9 renforc\u00e9 \u00e0 compter du 1er janvier 2016 par la loi 2014-617 du 13 juin 2014 relative aux comptes bancaires dormants et aux contrats d&#039;Assurance Vie dormants, mise en \u0153uvre par le d\u00e9cret 2015-1092 du 28 ao\u00fbt 2015.<\/p>\n<p>Ce texte renforce les obligations d&#039;information et d&#039;identification des b\u00e9n\u00e9ficiaires des contrats et d\u00e9finit les conditions de transfert des actifs \u00e0 la Caisse des d\u00e9p\u00f4ts et consignations (CDC), ainsi que les conditions de restitution de ces sommes au propri\u00e9taire ou de leur transfert \u00e0 l&#039;\u00e9tat du CDC apr\u00e8s l&#039;expiration du d\u00e9lai de prescription.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%c2%ab%d0%a1%d0%bf%d1%8f%d1%89%d0%b8%d0%b5%c2%bb_%d1%81%d1%87%d0%b5%d1%82%d0%b0_%d0%ba%d0%b0%d0%ba_%d0%b4%d0%be%d0%b1%d0%b8%d1%82%d1%8c%d1%81%d1%8f_%d0%b2%d0%be%d0%b7%d0%b2%d1%80%d0%b0%d1%82%d0%b0_%d1%81%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b2\"><\/span>Comptes \u00ab dormants \u00bb : comment se faire rembourser<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sur le site <a href=\"https:\/\/ciclade.caissedesdepots.fr\/\">Ciclade<\/a> vous pouvez retrouver les contrats Assurance Vie inactifs et les comptes inactifs vers\u00e9s par les banques \u00e0 la Caisse des D\u00e9p\u00f4ts. Lafinancepourtous.com vous explique comment trouver une assurance vie et des comptes bancaires dormants.<\/p>\n<p>Le d\u00e9cret n\u00b0 2015-362 du 30 mars 2015 impose aux compagnies d&#039;assurance de d\u00e9clarer au fisc la souscription, le calcul et la valeur des contrats d&#039;Assurance Vie \u00e0 compter du 1er janvier 2016. Cette derni\u00e8re tient un fichier des contrats Assurance Vie inactifs.<\/p>\n<p>De plus, toute personne qui croit \u00eatre b\u00e9n\u00e9ficiaire d&#039;un contrat d&#039;Assurance Vie inactif d\u00e9tenu par une personne d\u00e9c\u00e9d\u00e9e peut s&#039;adresser \u00e0 l&#039;Insurance Risk Information Management Association (Agira), charg\u00e9e de mener la recherche.<\/p>\n<p>Source: <a href=\"https:\/\/www.economie.gouv.fr\/cedef\/assurance-vie\">https:\/\/www.economie.gouv.fr\/cedef\/assurance-vie<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Dans l\u2019article, vous apprendrez les d\u00e9tails du contrat d\u2019assurance vie, en cas de d\u00e9c\u00e8s et en cas de vie et de d\u00e9c\u00e8s.<\/p>","protected":false},"author":1,"featured_media":3511,"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-3503","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>\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0435\u0435 \u043e Assurance Vie \u043d\u0430 Rouzade.com<\/title>\n<meta name=\"description\" content=\"Assurance Vie \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0432\u0435\u0434\u0443\u0449\u0438\u043c \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u043e\u043c \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f \u0432\u043e \u0424\u0440\u0430\u043d\u0446\u0438\u0438. \u0423\u0437\u043d\u0430\u0439\u0442\u0435 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 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