{"id":2988,"date":"2021-03-03T10:23:21","date_gmt":"2021-03-03T09:23:21","guid":{"rendered":"https:\/\/mysavings.be\/article\/recuperer-argent-contrat-assurance-vie-de-mani\/"},"modified":"2021-05-19T16:52:54","modified_gmt":"2021-05-19T14:52:54","slug":"recuperer-argent-contrat-assurance-vie-de-mani","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/couverture-deces\/article\/recuperer-argent-contrat-assurance-vie-de-mani\/","title":{"rendered":"R\u00e9cup\u00e9rer l&rsquo;argent d&rsquo;un contrat d\u2019assurance-vie de mani\u00e8re anticip\u00e9e?"},"content":{"rendered":"<ul>\n<li>Contrat Fiscal: S\u2019il s\u2019agit d\u2019un contrat d\u2019assurance-vie fiscal (que vous avez d\u00e9duit), il n\u2019est pas toujours possible de r\u00e9cup\u00e9rer l\u2019argent de mani\u00e8re anticip\u00e9e. Ce n\u2019est par exemple pas possible pour une pension libre compl\u00e9mentaire d\u2019ind\u00e9pendant, la cotisation INAMI ou encore les r\u00e9serves d\u2019assurance de groupe pour employ\u00e9s (m\u00eame si des syst\u00e8mes d\u2019avance existent, voir plus bas). Les autres types de contrat peuvent \u00eatre rachet\u00e9s, mais vous devez dans ce cas rembourser votre avantage fiscal. Pour plus d\u2019information, veuillez consulter les sections par type de produits.<\/li>\n<li>Si vous avez une assurance-\u00e9pargne qui n\u2019a jamais \u00e9t\u00e9 d\u00e9duite fiscalement, alors le probl\u00e8me est tout autre. Vous pouvez librement reprendre une partie voir r\u00e9cup\u00e9rer l\u2019int\u00e9gralit\u00e9 du pot. Dans le cas d\u2019un placement de la branche 21, il s\u2019agira de payer le pr\u00e9compte mobilier en cas de retrait dans les 8 ans, ensuite c\u2019est libre d\u2019imp\u00f4t. Si vous avez souscrit un placement de la branche 21 avec une couverture d\u00e9c\u00e8s de 130% du capital, alors le pr\u00e9compte mobilier n\u2019est jamais d\u2019application m\u00eame\u00a0en cas de rachat durant les 8 premi\u00e8res ann\u00e9es.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Contrat Fiscal: S\u2019il s\u2019agit d\u2019un contrat d\u2019assurance-vie fiscal (que vous avez d\u00e9duit), il n\u2019est pas toujours possible de r\u00e9cup\u00e9rer l\u2019argent de mani\u00e8re anticip\u00e9e. Ce n\u2019est par exemple pas possible pour une pension libre compl\u00e9mentaire d\u2019ind\u00e9pendant, la cotisation INAMI ou encore les r\u00e9serves d\u2019assurance de groupe pour employ\u00e9s (m\u00eame si des syst\u00e8mes d\u2019avance existent, voir plus [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":170,"template":"","class_list":["post-2988","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9cup\u00e9rer l\u2019argent d\u2019un contrat d\u2019assurance-vie de mani\u00e8re anticip\u00e9e ?<\/title>\n<meta name=\"description\" content=\"S&#039;assurer - Couverture d\u00e9c\u00e8s | D\u00e9couvrez comment r\u00e9cup\u00e9rer l&#039;argent de votre contrat d&#039;assurance | MySavings, votre sp\u00e9cialiste en assurances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/couverture-deces\/article\/recuperer-argent-contrat-assurance-vie-de-mani\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9cup\u00e9rer l\u2019argent d\u2019un contrat d\u2019assurance-vie de mani\u00e8re anticip\u00e9e ?\" \/>\n<meta property=\"og:description\" content=\"S&#039;assurer - 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