{"id":816,"date":"2025-11-05T14:37:33","date_gmt":"2025-11-05T13:37:33","guid":{"rendered":"https:\/\/courtiassur.fr\/?page_id=816"},"modified":"2025-11-05T14:43:33","modified_gmt":"2025-11-05T13:43:33","slug":"assurance-vie","status":"publish","type":"page","link":"https:\/\/courtiassur.fr\/index.php\/accueil\/les-produits-dassurances\/assurance-vie\/","title":{"rendered":"Assurance Vie"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/11\/Assurance-vie.png\" alt=\"\" class=\"wp-image-818\" style=\"width:421px;height:auto\" srcset=\"https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/11\/Assurance-vie.png 1024w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/11\/Assurance-vie-300x300.png 300w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/11\/Assurance-vie-150x150.png 150w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/11\/Assurance-vie-768x768.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>L\u2019assurance vie est un outil incontournable pour construire et prot\u00e9ger votre patrimoine. Elle vous permet d\u2019\u00e9pargner \u00e0 votre rythme, de pr\u00e9parer vos projets de vie, tout en b\u00e9n\u00e9ficiant d\u2019une fiscalit\u00e9 avantageuse.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les objectifs de l\u2019assurance vie<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9pargner \u00e0 votre rythme<\/strong> : versements libres ou programm\u00e9s, sans plafond.<\/li>\n\n\n\n<li><strong>Pr\u00e9parer vos projets<\/strong> : achat immobilier, \u00e9tudes des enfants, retraite\u2026<\/li>\n\n\n\n<li><strong>Optimiser votre fiscalit\u00e9<\/strong> : sur les revenus et les successions.<\/li>\n\n\n\n<li><strong>Transmettre un capital<\/strong> \u00e0 vos proches, hors succession classique.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment fonctionne un contrat d\u2019assurance vie ?<\/strong><\/h2>\n\n\n\n<p>Vous choisissez un contrat parmi ceux propos\u00e9s par COURTIASSUR, puis vous d\u00e9terminez :<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Vos supports d\u2019investissement :<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fonds en euros<\/strong> : s\u00e9curis\u00e9s, capital garanti, rendement stable.<\/li>\n\n\n\n<li><strong>Unit\u00e9s de compte<\/strong> : actions, obligations, immobilier\u2026 plus dynamiques, mais non garantis.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. Votre mode de gestion :<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gestion libre<\/strong> : vous choisissez vous-m\u00eame vos supports.<\/li>\n\n\n\n<li><strong>Gestion pilot\u00e9e<\/strong> : vous d\u00e9l\u00e9guez \u00e0 des experts selon votre profil (prudent, \u00e9quilibr\u00e9, dynamique).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3. Vos b\u00e9n\u00e9ficiaires :<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vous d\u00e9signez librement les personnes qui recevront le capital en cas de d\u00e9c\u00e8s, avec une grande souplesse juridique.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fiscalit\u00e9 avantageuse<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pendant la vie du contrat<\/strong> : les gains ne sont pas impos\u00e9s tant que vous ne faites pas de retrait.<\/li>\n\n\n\n<li><strong>En cas de rachat<\/strong> : fiscalit\u00e9 all\u00e9g\u00e9e apr\u00e8s 8 ans (abattement annuel de 4 600 \u20ac pour une personne seule, 9 200 \u20ac pour un couple).<\/li>\n\n\n\n<li><strong>En cas de d\u00e9c\u00e8s<\/strong> : exon\u00e9ration partielle ou totale des droits de succession selon l\u2019\u00e2ge du souscripteur et les montants transmis.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c0 qui s\u2019adresse l\u2019assurance vie ?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jeunes actifs<\/strong> : pour se constituer une \u00e9pargne progressive.<\/li>\n\n\n\n<li><strong>Familles<\/strong> : pour s\u00e9curiser l\u2019avenir des enfants.<\/li>\n\n\n\n<li><strong>Seniors<\/strong> : pour transmettre leur patrimoine efficacement.<\/li>\n\n\n\n<li><strong>Ind\u00e9pendants et chefs d\u2019entreprise<\/strong> : pour diversifier leur capital et pr\u00e9parer leur retraite.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Demandez votre simulation gratuite<\/strong><\/h4>\n\n\n\n<p>Vous souhaitez optimiser votre fiscalit\u00e9 et pr\u00e9parer votre retraite ?<br><strong><a href=\"https:\/\/courtiassur.fr\/index.php\/accueil\/contact\/\">Contactez Courtiassur<\/a><\/strong>&nbsp;pour une \u00e9tude gratuite et sans engagement.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance vie est un outil incontournable pour construire et prot\u00e9ger votre patrimoine. Elle vous permet d\u2019\u00e9pargner \u00e0 votre rythme, de [&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-816","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/816","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=816"}],"version-history":[{"count":6,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/816\/revisions"}],"predecessor-version":[{"id":827,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/816\/revisions\/827"}],"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=816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}