{"id":3139,"date":"2021-03-03T10:26:32","date_gmt":"2021-03-03T09:26:32","guid":{"rendered":"https:\/\/mysavings.be\/article\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\/"},"modified":"2021-05-19T16:51:26","modified_gmt":"2021-05-19T14:51:26","slug":"placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/couverture-deces\/article\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\/","title":{"rendered":"J\u2019ai un placement en assurance-vie. Que se passe-t-il en cas de d\u00e9c\u00e8s?"},"content":{"rendered":"<p>Il s\u2019agit de faire la diff\u00e9rence entre les contrats qui ont \u00e9t\u00e9 d\u00e9duit fiscalement et les contrats \u201cnon fiscaux\u201d.<\/p>\n<ul>\n<li>Dans le cas de contrats fiscaux, le capital sera vers\u00e9 au b\u00e9n\u00e9ficiaire qui devra s\u2019acquitter de la taxation sur ce contrat.<\/li>\n<li>Pour des placements en assurance-vie qui n\u2019ont pas \u00e9t\u00e9 d\u00e9duits fiscalement, tout va d\u00e9pendre de la mani\u00e8re dont le contrat a \u00e9t\u00e9 organis\u00e9. Chaque contrat d\u2019assurance pr\u00e9voit 3 parties\u00a0:\n<ul>\n<li>Preneur d\u2019assurance<\/li>\n<li>Assur\u00e9<\/li>\n<li>B\u00e9n\u00e9ficiaire<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Il est possible d\u2019avoir des contrats o\u00f9 les trois personnes sont diff\u00e9rentes. De plus, il existe des contrats avec plusieurs preneurs, plusieurs assur\u00e9s et plusieurs b\u00e9n\u00e9ficiaires ce qui ne facilite pas la compr\u00e9hension de ces contrats. Beaucoup de conseillers financiers ont dans le pass\u00e9 soutenu que les droits de succession n\u2019\u00e9taient pas dus sur ce genre de contrat. Ceci est faux. Il est possible d\u2019\u00e9viter les droits de succession mais une donation doit \u00eatre intervenue quelque part dans le processus. Contactez-nous pour un avis sans engagement par rapport \u00e0 vos contrats.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il s\u2019agit de faire la diff\u00e9rence entre les contrats qui ont \u00e9t\u00e9 d\u00e9duit fiscalement et les contrats \u201cnon fiscaux\u201d. Dans le cas de contrats fiscaux, le capital sera vers\u00e9 au b\u00e9n\u00e9ficiaire qui devra s\u2019acquitter de la taxation sur ce contrat. Pour des placements en assurance-vie qui n\u2019ont pas \u00e9t\u00e9 d\u00e9duits fiscalement, tout va d\u00e9pendre de [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":67,"template":"","class_list":["post-3139","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>Placement en assurance-vie: Que se passe-t-il en cas de d\u00e9c\u00e8s?<\/title>\n<meta name=\"description\" content=\"S&#039;assurer - Couverture d\u00e9c\u00e8s | Lisez notre article complet sur le sujet. l 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\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Placement en assurance-vie: Que se passe-t-il en cas de d\u00e9c\u00e8s?\" \/>\n<meta property=\"og:description\" content=\"S&#039;assurer - Couverture d\u00e9c\u00e8s | Lisez notre article complet sur le sujet. l MySavings, votre sp\u00e9cialiste en assurances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/couverture-deces\/article\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\/\" \/>\n<meta property=\"og:site_name\" content=\"MySavings\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MySavings.be\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-19T14:51:26+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/couverture-deces\\\/article\\\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\\\/\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/couverture-deces\\\/article\\\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\\\/\",\"name\":\"Placement en assurance-vie: Que se passe-t-il en cas de d\u00e9c\u00e8s?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#website\"},\"datePublished\":\"2021-03-03T09:26:32+00:00\",\"dateModified\":\"2021-05-19T14:51:26+00:00\",\"description\":\"S'assurer - Couverture d\u00e9c\u00e8s | Lisez notre article complet sur le sujet. l MySavings, votre sp\u00e9cialiste en assurances.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/couverture-deces\\\/article\\\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\\\/#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/couverture-deces\\\/article\\\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/couverture-deces\\\/article\\\/placement-en-assurance-vie-que-se-passe-t-il-en-cas-de-deces\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/accueil\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"J\u2019ai un placement en assurance-vie. 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