{"id":167,"date":"2024-01-05T10:07:51","date_gmt":"2024-01-05T09:07:51","guid":{"rendered":"http:\/\/nmbcpmj.cluster029.hosting.ovh.net\/?page_id=167"},"modified":"2025-08-28T11:24:54","modified_gmt":"2025-08-28T09:24:54","slug":"obseques","status":"publish","type":"page","link":"https:\/\/courtiassur.fr\/index.php\/accueil\/les-produits-dassurances\/obseques\/","title":{"rendered":"Obs\u00e8ques"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"http:\/\/nmbcpmj.cluster029.hosting.ovh.net\/wp-content\/uploads\/2024\/01\/obseques-1024x684.jpg\" alt=\"\" class=\"wp-image-208\" style=\"width:545px;height:auto\" srcset=\"https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/obseques-1024x684.jpg 1024w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/obseques-300x200.jpg 300w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/obseques-768x513.jpg 768w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/obseques-1536x1026.jpg 1536w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/obseques-2048x1367.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u2019est-ce qu\u2019un contrat obs\u00e8ques ?<\/strong><\/h2>\n\n\n\n<p>Le\u00a0<strong>contrat obs\u00e8ques<\/strong>\u00a0est une solution de pr\u00e9voyance qui permet <strong>d\u2019anticiper le financement<\/strong>\u00a0et, si souhait\u00e9,\u00a0<strong>l\u2019organisation compl\u00e8te<\/strong>\u00a0de vos fun\u00e9railles. Il vise \u00e0\u00a0<strong>soulager vos proches<\/strong>\u00a0du poids financier et logistique au moment du d\u00e9c\u00e8s, tout en respectant vos volont\u00e9s.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les deux types de contrats obs\u00e8ques<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">Contrat en capital<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le souscripteur choisit un\u00a0<strong>montant de capital<\/strong>\u00a0destin\u00e9 \u00e0 couvrir les frais d\u2019obs\u00e8ques.<\/li>\n\n\n\n<li>Ce capital est vers\u00e9 au\u00a0<strong>b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9<\/strong>\u00a0(proche ou entreprise de pompes fun\u00e8bres) au moment du d\u00e9c\u00e8s.<\/li>\n\n\n\n<li>Le b\u00e9n\u00e9ficiaire utilise cette somme pour r\u00e9gler les frais li\u00e9s aux fun\u00e9railles.<\/li>\n\n\n\n<li>Si le capital est sup\u00e9rieur aux frais r\u00e9els, le\u00a0<strong>solde est revers\u00e9<\/strong>\u00a0aux autres b\u00e9n\u00e9ficiaires.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Contrat en prestations<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ce contrat inclut\u00a0<strong>le financement et l\u2019organisation compl\u00e8te<\/strong>\u00a0des obs\u00e8ques.<\/li>\n\n\n\n<li>Le souscripteur choisit \u00e0 l\u2019avance les\u00a0<strong>prestations fun\u00e9raires<\/strong>\u00a0(type de c\u00e9r\u00e9monie, cercueil, fleurs, etc.).<\/li>\n\n\n\n<li>L\u2019entreprise de pompes fun\u00e8bres s\u2019engage \u00e0 r\u00e9aliser les prestations d\u00e9finies dans le contrat.<\/li>\n\n\n\n<li>Permet de garantir le\u00a0<strong>respect des volont\u00e9s<\/strong>\u00a0du d\u00e9funt et d\u2019\u00e9viter les impr\u00e9vus pour les proches.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Avantages du contrat obs\u00e8ques<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Soulage les proches du\u00a0<strong>fardeau financier et \u00e9motionnel<\/strong><\/li>\n\n\n\n<li>Permet de\u00a0<strong>pr\u00e9voir et personnaliser<\/strong>\u00a0ses fun\u00e9railles<\/li>\n\n\n\n<li>Offre une\u00a0<strong>fiscalit\u00e9 avantageuse<\/strong>\u00a0(fonctionnement proche de l\u2019assurance vie)<\/li>\n\n\n\n<li>Possibilit\u00e9 de\u00a0<strong>revalorisation du capital<\/strong>\u00a0pour suivre l\u2019\u00e9volution des co\u00fbts fun\u00e9raires<\/li>\n\n\n\n<li><strong>Assistance compl\u00e9mentaire<\/strong>\u00a0: rapatriement du corps, aide aux d\u00e9marches, soutien psychologique<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Points de vigilance<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9lai de carence<\/strong>\u00a0: souvent de 1 \u00e0 3 ans, pendant lequel les garanties ne s\u2019appliquent pas.<\/li>\n\n\n\n<li><strong>Exclusions<\/strong>\u00a0: certains contrats ne couvrent pas les d\u00e9c\u00e8s par suicide ou accident suspect.<\/li>\n\n\n\n<li><strong>Capital insuffisant<\/strong>\u00a0: les frais d\u2019obs\u00e8ques augmentent r\u00e9guli\u00e8rement, il est essentiel de pr\u00e9voir un montant adapt\u00e9.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi choisir COURTI ASSUR ?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Analyse personnalis\u00e9e<\/strong>\u00a0selon vos souhaits et votre budget<\/li>\n\n\n\n<li><strong>Accompagnement humain<\/strong>\u00a0dans la souscription et la gestion du contrat<\/li>\n\n\n\n<li><strong>Partenariat avec des assureurs et op\u00e9rateurs fun\u00e9raires reconnus<\/strong><\/li>\n\n\n\n<li><strong>Transparence sur les prestations et les co\u00fbts<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Demandez votre \u00e9tude gratuite<\/strong><\/h2>\n\n\n\n<p>Vous souhaitez anticiper vos obs\u00e8ques en toute s\u00e9r\u00e9nit\u00e9 ?<br><a href=\"https:\/\/courtiassur.fr\/index.php\/accueil\/contact\/\" data-type=\"page\" data-id=\"46\"><strong>Contactez Courtiassur<\/strong>\u00a0<\/a>pour une \u00e9tude gratuite et sans engagement<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu\u2019est-ce qu\u2019un contrat obs\u00e8ques ? Le\u00a0contrat obs\u00e8ques\u00a0est une solution de pr\u00e9voyance qui permet d\u2019anticiper le financement\u00a0et, si souhait\u00e9,\u00a0l\u2019organisation compl\u00e8te\u00a0de vos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":42,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-167","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/167","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/comments?post=167"}],"version-history":[{"count":8,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/167\/revisions"}],"predecessor-version":[{"id":687,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/167\/revisions\/687"}],"up":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/42"}],"wp:attachment":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/media?parent=167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}