{"id":1406,"date":"2015-03-15T21:38:58","date_gmt":"2015-03-15T20:38:58","guid":{"rendered":"http:\/\/www.life-magazine.be\/fr\/?p=1406"},"modified":"2015-07-30T19:05:59","modified_gmt":"2015-07-30T17:05:59","slug":"on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins","status":"publish","type":"post","link":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins","title":{"rendered":"On ne gagne pas forc\u00e9ment plus, mais on perd g\u00e9n\u00e9ralement moins"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span><p style=\"text-align: justify;\"><strong><span style=\"color: #ff6600;\">L<\/span>es produits d\u2019assurance, c\u2019est le royaume de la s\u00e9curit\u00e9. Et de la planification successorale.<\/strong><\/p>\n<p style=\"text-align: justify;\"><a href=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_55720153.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1702\" src=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_55720153.jpg\" alt=\"shutterstock_55720153\" width=\"2848\" height=\"2568\" srcset=\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_55720153.jpg 2848w, https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_55720153-768x692.jpg 768w\" sizes=\"auto, (max-width: 2848px) 100vw, 2848px\" \/><\/a><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #ff6600;\"><strong>D\u00e9c\u00e8s\u00a0ou Vie\u00a0?<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">Il faut bien scinder les choses\u00a0:<\/p>\n<ul style=\"text-align: justify;\">\n<li><strong>risque de d\u00e9c\u00e8s<\/strong>\u00a0: comme le risque d\u2019incendie ou de responsabilit\u00e9 civile, si il n\u2019y a pas de sinistre, il n\u2019y pas d\u2019intervention de l\u2019assureur, pas de capital au terme du contrat. Le risque peut \u00eatre le d\u00e9c\u00e8s (on parle dans ce cas \u00ab\u00a0d\u2019assurance d\u00e9c\u00e8s\u00a0\u00bb), ou sa cons\u00e9quence \u00e9conomique, par exemple l\u2019impossibilit\u00e9 de rembourser un cr\u00e9dit, hypoth\u00e9caire ou autre (alias \u00abassurance de solde restant d\u00fb\u00a0\u00bb), la compagnie ne couvrant que ce qui reste \u00e0 rembourser\u00a0;<\/li>\n<li><strong>risque de vie<\/strong>, c\u2019est-\u00e0-dire \u00e9pargne, investissement. On est ici au point de rencontre de deux concepts\u00a0: l\u2019assurance ET l\u2019\u00e9pargne ou l\u2019investissement. On parle dans ce cas \u00ab\u00a0d\u2019assurance vie\u00a0\u00bb. Ce type de contrat peut prendre des formes diverses, assurance vie classique (branche 21) assurance vie coupl\u00e9e \u00e0 des sicav (branche 23), assurance de groupe, assurance pension, assurance \u00e9pargne, pension libre compl\u00e9mentaire.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Tout cela est \u00e9minemment touffu, horriblement et inutilement compliqu\u00e9. Le plus simple est de retenir qu\u2019il y a une distinction \u00e0 faire entre\u00a0:<\/p>\n<ul style=\"text-align: justify;\">\n<li>les produits donnant un rendement garanti, comme la branche 21, l\u2019assurance de groupe, l\u2019assurance pension et la pension libre compl\u00e9mentaire,<\/li>\n<li>et ceux qui ne donnent pas cette garantie, comme la branche 23 ou les produits d\u2019assurance \u00e9pargne.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><a href=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_71828587.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1701\" src=\"http:\/\/www.life-magazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_71828587.jpg\" alt=\"shutterstock_71828587\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_71828587.jpg 1000w, https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_71828587-768x512.jpg 768w, https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/shutterstock_71828587-450x300.jpg 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #ff6600;\"><strong>S\u00e9curit\u00e9, planification<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">On ne peut dissocier assurance et planification successorale. On l\u2019oublie tr\u00e8s souvent: les produits d\u2019assurance sont soumis \u00e0 une fiscalit\u00e9 contraignante sur les primes et sur les capitaux touch\u00e9s, qui n\u2019est jamais compens\u00e9e par la d\u00e9ductibilit\u00e9, laquelle de surcro\u00eet est limit\u00e9e (par de nombreux plafonds) ou carr\u00e9ment absente (pour la branche 23 par exemple). Une fiscalit\u00e9 aussi qui est d\u2019une complexit\u00e9 recelant de nombreux pi\u00e8ges et d\u2019une gourmandise effr\u00e9n\u00e9e \u00e0 moins de proc\u00e9der \u00e0 une gestion fine.<\/p>\n<p style=\"text-align: justify;\">Ceci explique que certains aient opt\u00e9 pour l\u2019assurance vie \u00e0 l\u2019\u00e9tranger. Hors fiscalit\u00e9 \u00e0 l\u2019entr\u00e9e (pas de d\u00e9ductibilit\u00e9 des primes) et \u00e0 la sortie (pas de taxation au terme du contrat). S\u00fbr\u00a0? Minute papillon\u00a0! Le temps o\u00f9 l\u2019on pouvait discr\u00e8tement toucher un capital \u00e0 l\u2019\u00e9tranger est termin\u00e9. Il faut d\u00e9sormais mentionner dans sa d\u00e9claration d\u2019imp\u00f4ts la pr\u00e9sence \u00e9ventuelle d\u2019un tel contrat \u00e0 l\u2019\u00e9tranger. Un bon conseil\u00a0: limitez-vous \u00e0 l\u2019essentiel.<\/p>\n<hr \/>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>Les produits d\u2019assurance, c\u2019est le royaume de la s\u00e9curit\u00e9. Et de la planification successorale.<\/p>\n","protected":false},"author":2,"featured_media":1434,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-1406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-et-argent"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>LES PRODUITS D&#039;ASSURANCE<\/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:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LES PRODUITS D&#039;ASSURANCE\" \/>\n<meta property=\"og:description\" content=\"Reading Time:  2 minutesLes produits d\u2019assurance, c\u2019est le royaume de la s\u00e9curit\u00e9. Et de la planification successorale.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins\" \/>\n<meta property=\"og:site_name\" content=\"Fifty &amp; Me MAGAZINE\" \/>\n<meta property=\"article:published_time\" content=\"2015-03-15T20:38:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-07-30T17:05:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"520\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ga\u00eblle Mauroit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ga\u00eblle Mauroit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins\",\"name\":\"LES PRODUITS D'ASSURANCE\",\"isPartOf\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg\",\"datePublished\":\"2015-03-15T20:38:58+00:00\",\"dateModified\":\"2015-07-30T17:05:59+00:00\",\"author\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#primaryimage\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg\",\"contentUrl\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg\",\"width\":600,\"height\":520},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Droit et Argent\",\"item\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"On ne gagne pas forc\u00e9ment plus, mais on perd g\u00e9n\u00e9ralement moins\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#website\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/\",\"name\":\"Fifty &amp; Me MAGAZINE\",\"description\":\"Et si la vie commen\u00e7ait \u00e0 50 ans ?\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b\",\"name\":\"Ga\u00eblle Mauroit\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/author\/gaelle\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"LES PRODUITS D'ASSURANCE","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:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins","og_locale":"fr_FR","og_type":"article","og_title":"LES PRODUITS D'ASSURANCE","og_description":"Reading Time:  2 minutesLes produits d\u2019assurance, c\u2019est le royaume de la s\u00e9curit\u00e9. Et de la planification successorale.","og_url":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins","og_site_name":"Fifty &amp; Me MAGAZINE","article_published_time":"2015-03-15T20:38:58+00:00","article_modified_time":"2015-07-30T17:05:59+00:00","og_image":[{"width":600,"height":520,"url":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg","type":"image\/jpeg"}],"author":"Ga\u00eblle Mauroit","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Ga\u00eblle Mauroit","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins","name":"LES PRODUITS D'ASSURANCE","isPartOf":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#primaryimage"},"image":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#primaryimage"},"thumbnailUrl":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg","datePublished":"2015-03-15T20:38:58+00:00","dateModified":"2015-07-30T17:05:59+00:00","author":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b"},"breadcrumb":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#primaryimage","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg","contentUrl":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/assurancevieUNE.jpg","width":600,"height":520},{"@type":"BreadcrumbList","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/on-ne-gagne-pas-forcement-plus-mais-on-perd-generalement-moins#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Droit et Argent","item":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent"},{"@type":"ListItem","position":2,"name":"On ne gagne pas forc\u00e9ment plus, mais on perd g\u00e9n\u00e9ralement moins"}]},{"@type":"WebSite","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#website","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/","name":"Fifty &amp; Me MAGAZINE","description":"Et si la vie commen\u00e7ait \u00e0 50 ans ?","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fiftyandmemagazine.be\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b","name":"Ga\u00eblle Mauroit","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/author\/gaelle"}]}},"modified_by":"Ga\u00eblle Mauroit","_links":{"self":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/posts\/1406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/comments?post=1406"}],"version-history":[{"count":0,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/posts\/1406\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/media\/1434"}],"wp:attachment":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/media?parent=1406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/categories?post=1406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/tags?post=1406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}