{"id":12748,"date":"2018-10-14T21:35:09","date_gmt":"2018-10-14T21:35:09","guid":{"rendered":"https:\/\/sentinelnew.advisornet.org\/glossary\/valeur-en-especes\/"},"modified":"2022-03-08T19:40:04","modified_gmt":"2022-03-08T19:40:04","slug":"valeur-en-especes","status":"publish","type":"glossary","link":"https:\/\/sentinelgroup.ca\/fr\/glossary\/valeur-en-especes\/","title":{"rendered":"VALEUR EN ESP\u00c8CES"},"content":{"rendered":"<p>Dans une police d&rsquo;<a class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE-VIE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance qui offre une protection contre la perte &eacute;conomique caus&eacute;e par le d&eacute;c&egrave;s de la personne assur&eacute;e.&lt;\/div&gt;\"  href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'  tabindex='0' role='link'>assurance-vie<\/a>, somme d&rsquo;argent, avant ajustement en fonction de facteurs tels que les avances sur police ou les retards de primes, que le propri&eacute;taire recevra s&rsquo;il laisse la police expirer ou annule la couverture et remet la police &agrave; la compagnie d&rsquo;assurance. Les valeurs de rachat sont une caract&eacute;ristique de la plupart des types d&rsquo;assurance vie permanente, comme l&rsquo;assurance vie enti&egrave;re et l&rsquo;<a class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE VIE UNIVERSELLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un produit d&amp;#039;assurance vie enti&egrave;re non group&eacute; dans lequel les facteurs de mortalit&eacute;, d&amp;#039;investissement et de d&eacute;penses utilis&eacute;s pour calculer les taux de prime et les valeurs de rachat sont exprim&eacute;s s&eacute;par&eacute;ment dans la police. Dans une police d&amp;#039;assurance vie universelle, tous les frais applicables sont d&eacute;duits de la prime et le reste de la prime est ensuite cr&eacute;dit&eacute; &agrave; la valeur de rachat de la police. Chaque mois, l&amp;#039;assureur d&eacute;duit la mortalit&eacute; et tout autre co&ucirc;t de la valeur de rachat et cr&eacute;dite le reste de la valeur de rachat avec int&eacute;r&ecirc;ts.&lt;\/div&gt;\"  href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie-universelle\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'  tabindex='0' role='link'>assurance vie universelle<\/a>. Aussi appel&eacute; accumulation interne et avoir du propri&eacute;taire de police.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans une police d&rsquo;assurance-vie, somme d&rsquo;argent, avant ajustement en fonction de facteurs tels que les avances sur police ou les retards de primes, que le propri&eacute;taire recevra s&rsquo;il laisse la police expirer ou annule la couverture et remet la police &agrave; la compagnie d&rsquo;assurance. Les valeurs de rachat sont une caract&eacute;ristique de la plupart des [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-12748","glossary","type-glossary","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>VALEUR EN ESP\u00c8CES - Sentinel Financial Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/valeur-en-especes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VALEUR EN ESP\u00c8CES - Sentinel Financial Group\" \/>\n<meta property=\"og:description\" content=\"Dans une police d&rsquo;assurance-vie, somme d&rsquo;argent, avant ajustement en fonction de facteurs tels que les avances sur police ou les retards de primes, que le propri&eacute;taire recevra s&rsquo;il laisse la police expirer ou annule la couverture et remet la police &agrave; la compagnie d&rsquo;assurance. 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