{"id":83,"date":"2019-01-10T22:52:07","date_gmt":"2019-01-11T03:52:07","guid":{"rendered":"https:\/\/williamfrenn.com\/?page_id=83"},"modified":"2019-08-22T10:51:41","modified_gmt":"2019-08-22T14:51:41","slug":"conseils-en-assurance","status":"publish","type":"page","link":"https:\/\/williamfrenn.com\/fr\/nos-services\/conseils-en-assurance\/","title":{"rendered":"Conseils en assurance"},"content":{"rendered":"<p>[vc_row el_class=\u00a0\u00bbpage-section\u00a0\u00bb][vc_column][vc_row_inner][vc_column_inner el_class=\u00a0\u00bbtext-center\u00a0\u00bb width=\u00a0\u00bb1\/4&Prime;][\/vc_column_inner][vc_column_inner el_class=\u00a0\u00bbtext-center\u00a0\u00bb 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el_class=\u00a0\u00bbtext-center\u00a0\u00bb 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el_class=\u00a0\u00bbtext-center\u00a0\u00bb width=\u00a0\u00bb1\/4&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_class=\u00a0\u00bbpage-section\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1565663271217{background-color: #efefef !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][vc_column width=\u00a0\u00bb2\/3&Prime;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Quantifier vos besoins et simplifier vos objectifs est essentiel pour \u00e9valuer votre portefeuille d\u2019assurances. \u00c0 travers des discussions it\u00e9ratives et une planification minutieuse, nous aidons nos clients \u00e0 identifier leurs risques et leurs buts financiers, ce qui, en retour, permet la s\u00e9lection de la solution optimale.<\/p>\n<h4 style=\"text-align: center;\">Au-del\u00e0 du risque<\/h4>\n<p style=\"text-align: center;\">En raison de leur traitement par les autorit\u00e9s fiscales, les polices d&rsquo;assurance constituent \u00e9galement depuis longtemps un moyen efficace de cr\u00e9er de la richesse, notamment lorsqu&rsquo;il s&rsquo;agit de planification interg\u00e9n\u00e9rationnelle.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/6&Prime;][\/vc_column][\/vc_row][vc_row el_class=\u00a0\u00bbpage-section\u00a0\u00bb el_id=\u00a0\u00bb1&Prime;][vc_column][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n<h2>Protection de la famille et de l\u2019entreprise<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][vc_column_text]<\/p>\n<h3>Protection de la famille<\/h3>\n<p>Le but le plus \u00e9vident pour une assurance-vie est de prot\u00e9ger sa famille et les personnes \u00e0 charge en cas de trag\u00e9die.<\/p>\n<ul class=\"check-list\">\n<li>Payer son hypoth\u00e8que ou autres dettes<\/li>\n<li>Prot\u00e9ger son rythme de vie familial et personnel<\/li>\n<li>Payer les imp\u00f4ts qui seraient exig\u00e9es au d\u00e9c\u00e8s<\/li>\n<li>Pr\u00e9voir des liquidit\u00e9s \u00e0 votre succession<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][vc_column_text]<\/p>\n<h3>Protection d\u2019une entreprise<\/h3>\n<p>Le d\u00e9c\u00e8s ou une maladie prolong\u00e9e d\u2019un propri\u00e9taire d\u2019entreprise ou d\u2019un employ\u00e9 cl\u00e9 peut avoir des cons\u00e9quences financi\u00e8res d\u00e9vastatrices. En fait, la survie de l\u2019entreprise peut \u00eatre menac\u00e9e, faute de manque de ressources d\u2019urgence. Les polices d\u2019assurance ad\u00e9quates peuvent\u00a0:<\/p>\n<ul class=\"check-list\">\n<li>Financer une p\u00e9riode de transition apr\u00e8s la mort ou une p\u00e9riode de maladie prolong\u00e9e d\u2019un employ\u00e9 cl\u00e9<\/li>\n<li>Financer la clause d\u2019achat-vente d\u2019une convention d\u2019actionnaires<\/li>\n<li>Couvrir les d\u00e9ficits de l\u2019entreprise durant une p\u00e9riode d\u2019invalidit\u00e9<\/li>\n<li>Rembourser un pr\u00eat commercial<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_class=\u00a0\u00bbpage-section\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1565663389210{background-color: #efefef !important;}\u00a0\u00bb el_id=\u00a0\u00bb2&Prime;][vc_column][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n<h2>Transfert de richesse<\/h2>\n<p>Un h\u00e9ritage est la derni\u00e8re \u00e9tape d\u2019une planification financi\u00e8re. Parmi les options disponibles, vos objectifs finaux pourraient inclurent\u00a0:<\/p>\n<ul class=\"check-list\">\n<li>Laisser un h\u00e9ritage pour aider vos enfants<\/li>\n<li>Transf\u00e9rer une soci\u00e9t\u00e9 \u00e0 vos h\u00e9ritiers efficacement au niveau de l\u2019imp\u00f4t<\/li>\n<li>Avantager une cause charitable ou une organisation religieuse<\/li>\n<li>L\u00e9guer un capital pour financer une fondation<\/li>\n<\/ul>\n<p>Les contrats d\u2019assurance vie peuvent constituer des moyens efficaces d\u2019investissement pour financer ces objectifs. Le traitement fiscal accord\u00e9 aux polices d\u2019assurance est un avantage consid\u00e9rable par rapport aux autres options. Dans la plupart des cas, ces moyens peuvent \u00eatre utilis\u00e9s pour obtenir un rendement compos\u00e9 libre d&rsquo;imp\u00f4t, en plus d&rsquo;une somme forfaitaire non impos\u00e9e fournie par la prestation de d\u00e9c\u00e8s. 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