{"id":11782,"date":"2024-10-30T12:10:08","date_gmt":"2024-10-30T12:10:08","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/fr-ca\/?page_id=11782"},"modified":"2026-03-11T16:57:02","modified_gmt":"2026-03-11T20:57:02","slug":"assurance-vie-acceptation-garantie","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/","title":{"rendered":"Assurance vie \u00e0 acceptation garantie"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/guaranteed-life_insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/guaranteed-life_insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-assurance-vie-a-acceptation-garantie\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Assurance <\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">vie \u00e0 acceptation garantie<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Si vous avez entre 40 et 75 ans, l\u2019Assurance vie \u00e0 acceptation garantie RBC est un moyen simple de contribuer notamment \u00e0 la r\u00e9duction des dettes et au paiement des derni\u00e8res d\u00e9penses.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie-acceptation-garantie\/index.html\" data-dig-id=\"LP-11782-d21e5a4c\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenez une soumission-https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie-acceptation-garantie\/index.html \">Obtenez une soumission<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignfull layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b mob-mar-b\" id=\"h-obtenez-une-assurance-des-aujourd-hui-sans-examen-medical-0\">Obtenez une assurance d\u00e8s aujourd\u2019hui \u2013 sans examen m\u00e9dical<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-t-0 mob-mar-t-0 pad-t-0 mob-pad-t-0 mar-b-dbl mob-mar-b-dbl pad-b-dbl mob-pad-b-dbl\">Une protection viag\u00e8re simple et facile \u00e0 comprendre que vous pouvez souscrire en ligne maintenant.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-vous-devriez-envisager-l-assurance-vie-a-acceptation-garantie-rbc-si-nbsp\">Vous devriez envisager l\u2019Assurance vie \u00e0 acceptation garantie RBC si&nbsp;:<\/h3>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard  mar-r-qtr mob-mar-r-qtr\"><div class=\"highlightsCard__heading\"><\/div><div class=\"highlightsCard__items\">\n<p>Vous \u00eates un citoyen canadien<\/p>\n\n\n\n<p>Vous \u00eates un r\u00e9sident permanent\/immigrant re\u00e7u<\/p>\n\n\n\n<p>Vous souhaitez laisser des fonds \u00e0 vos proches<\/p>\n\n\n\n<p>Vous aimeriez aider vos proches \u00e0 couvrir les derni\u00e8res d\u00e9penses<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row mar-t-qtr mob-mar-t-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard pad-l-qtr mob-pad-l-qtr pad-r-qtr mob-pad-r-qtr  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-t-qtr mob-mar-t-qtr mar-b-0 mob-mar-b-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0 is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group informationCard__icon-group mar-b-0 mar-t-hlf pad-t-0 pad-b-0 pad-r-0 pad-l-0 is-layout-flow wp-container-core-group-is-layout-92d440f1 wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;padding-top:0;padding-bottom:0\">\n<h3 class=\"wp-block-heading has-text-align-center mob-mar-t-qtr mob-pad-r-qtr mar-b-0 mob-mar-b-0 mob-pad-l-qtr mob-pad-b-qtr pad-b-qtr pad-l-qtr pad-r-qtr mar-t-qtr pad-t-qtr has-text-lg-font-size\" id=\"h-40-a-75-ans\">40 \u00e0 75 ans<\/h3>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center pad-l-qtr mob-pad-l-qtr pad-t-hlf mob-pad-t-hlf mob-mar-b-qtr pad-r-qtr mob-pad-r-qtr mar-b-0 pad-b-0\" id=\"h-ages-admissibles\">\u00c2ges admissibles<\/h5>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard mob-pad-r mob-pad-l pad-l pad-r  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-l-0 mob-mar-l-0 mar-r-0 mob-mar-r-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;border-radius:0px;min-height:0px;margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:0;padding-right:var(--wp--preset--spacing--50);padding-bottom:0;padding-left:var(--wp--preset--spacing--50)\">\n<h3 class=\"wp-block-heading has-text-align-center mar-t-qtr mob-mar-t-qtr mob-mar-b-0 mar-r-0 mar-l-0 mob-mar-l-0 mob-mar-r-0 mob-pad-r-0 pad-r-0 pad-l-0 mob-pad-l-0 mar-b-0 pad-b-qtr mob-pad-b-qtr pad-t-qtr has-text-reg-font-size\" id=\"h-de-5-000-a-40-000\">De 5 000 $ \u00e0 40 000 $<\/h3>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-l-0 mob-mar-l-0 mar-r-0 mob-mar-r-0 pad-l-hlf mob-pad-l-hlf pad-r-hlf mob-pad-r-hlf pad-t-hlf mob-pad-t-hlf mar-b-qtr mob-mar-b-qtr\" id=\"h-couverture-offerte-2\">Couverture offerte<sup>2<\/sup><\/h5>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard mar-t-0 mar-b-0 pad-t pad-b  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-b-0 pad-b-0 pad-l-0 pad-r-0 mar-t-0 mar-r-0 mar-l-0 pad-t-0 is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group informationCard__icon-group mob-mar-r-0 mar-b-0 pad-b-0 mar-l-0 mar-r-0 pad-r-0 pad-l-0 mar-t-0 pad-t-0 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center mob-pad-l mob-mar-r mob-mar-t-qtr pad-b-0 mob-mar-b-0 pad-r-0 pad-l-0 mar-b-0 mar-t-0 mar-l-0 mar-r-0 pad-t has-white-color has-text-color has-link-color wp-elements-34b9ce4906fef157c3fdb398fa0ef4e3\" id=\"h-couverture-viagere-2\">Couverture viag\u00e8re<sup><a href=\"#legal-2\" data-dig-id=\"LP-11782-7681e3e5\" data-dig-label=\"2\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">2<\/a><\/sup><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row mar-r-dbl mob-mar-r-0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard mar-r-dbl mob-mar-r-0  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-t-0 mob-mar-t-0 mar-b-0 mob-mar-b-0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group mar-b-0 mob-mar-b-0 mar-t-0 mob-mar-t-0 is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center mar-b-0 mob-mar-b-0 pad-b-qtr mob-pad-b-qtr pad-t-qtr mob-pad-t-qtr pad-l-qtr mob-pad-l-qtr pad-r-qtr mob-pad-r-qtr mob-mar-t-0 mar-r-0 mob-mar-r-0 mar-l-0 mob-mar-l-0 mar-t-0 has-white-color has-text-color has-link-color wp-elements-c6845addefb9fa05b01348705c2b29ae\" id=\"h-acceptation-garantie-1\"><strong>Acceptation garantie<\/strong><sup><a href=\"#legal-1\" data-dig-id=\"LP-11782-89fb9834\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/h3>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:107px\" aria-hidden=\"true\" class=\"wp-block-spacer pad-l-dbl mob-pad-l-dbl pad-r-dbl mob-pad-r-dbl mar-l mob-mar-l desktop-only\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-avantages-de-l-assurance-vie-a-acceptation-garantie\">Avantages de l\u2019Assurance vie \u00e0 acceptation garantie<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">Offre aux Canadiens \u00e2g\u00e9s de 40 \u00e0 75 ans une couverture garantie pouvant atteindre 40&nbsp;000&nbsp;$.<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/shield-heart.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-couverture-viagere\"><strong>Couverture viag\u00e8re<\/strong><\/h4>\n<\/div>\n\n\n\n<p>La couverture est pour la vie durant&nbsp;; nous ne pouvons pas ni la r\u00e9silier ni la modifier et vos primes n\u2019augmenteront jamais<sup><a href=\"#legal-2\" data-dig-id=\"LP-11782-14d963b6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/check-circle.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-acceptation-garantie\"><strong>Acceptation garantie<\/strong><\/h4>\n<\/div>\n\n\n\n<p>Les citoyens canadiens ainsi que les r\u00e9sidents permanents et les immigrants re\u00e7us \u00e2g\u00e9s de 40 \u00e0 75 ans obtiennent une couverture garantie<sup><a href=\"#legal-1\" data-dig-id=\"LP-11782-885b4f90\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/medical.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-aucun-examen-medical\">Aucun examen m\u00e9dical<\/h4>\n<\/div>\n\n\n\n<p>Vous n\u2019aurez aucun examen m\u00e9dical \u00e0 passer ni de questionnaire m\u00e9dical \u00e0 remplir.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Thumbs-Up.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-souscription-facile\">Souscription facile<\/h4>\n<\/div>\n\n\n\n<p>Obtenez une proposition en quelques minutes, puis souscrivez et payez votre assurance en ligne, dans le confort de votre foyer<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Tax-Rate.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-prestation-non-imposable\">Prestation non imposable<\/h4>\n<\/div>\n\n\n\n<p>Your beneficiary or estate receives the death benefit tax-free<sup><a href=\"#legal-3\" data-dig-id=\"LP-15302-0b7903ba\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Calendar.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-periode-d-examen-de-30-jours\"><strong>P\u00e9riode d\u2019examen de 30 jours<\/strong><\/h4>\n<\/div>\n\n\n\n<p>Si vous changez d\u2019avis au cours des 30 premiers jours, nous vous rembourserons les primes vers\u00e9es et annulerons votre police<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-ce-qui-est-couvert-l-assurance-vie-a-acceptation-garantie\">Ce qui est couvert l&rsquo;assurance vie \u00e0 acceptation garantie?<\/h3>\n\n\n\n<p>L\u2019information ci-dessus constitue un simple r\u00e9sum\u00e9. Veuillez consulter l\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/guaranteed-acceptance-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-11782-f001f27d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"exemple de police\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">exemple de police<\/a> ouvrir pour obtenir toutes les dispositions de l\u2019assurance, y compris les garanties et les exclusions.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc mar-b-hlf mob-mar-b-hlf\">\n<li><strong>Prestation de d\u00e9c\u00e8s:<\/strong> Si vous d\u00e9c\u00e9dez, votre police peut verser \u00e0 vos b\u00e9n\u00e9ficiaires ou \u00e0 votre succession une prestation de d\u00e9c\u00e8s non imposable<sup><a href=\"#legal-3\" data-dig-id=\"LP-11782-269d89fe\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup> correspondant au montant de votre garantie.<sup><a href=\"#legal-2\" data-dig-id=\"LP-15302-2026c655\" data-dig-label=\"2\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">2<\/a><\/sup><\/li>\n\n\n\n<li><strong>Prestation en cas de d\u00e9c\u00e8s accidentelavis de non-responsabilit\u00e9:<\/strong> Si vous d\u00e9c\u00e9diez de fa\u00e7on accidentelle avant l\u2019\u00e2ge de 85 ans, votre b\u00e9n\u00e9ficiaire recevra cinq fois le montant de la couverture de base.<sup><a href=\"#legal-4\" data-dig-id=\"LP-15302-af6d23a9\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup><\/li>\n\n\n\n<li><strong>Avance pour motif de compassion: <\/strong>Si votre assurance est en vigueur depuis plus de deux ans, que vous recevez un diagnostic de maladie en phase terminale et qu\u2019il vous reste 12 mois ou moins \u00e0 vivre, vous pourriez recevoir un pourcentage de la prestation de d\u00e9c\u00e8s (\u00e0 titre d\u2019avance pour motif de compassion) de votre vivant.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-sommaire-des-exclusions-5\">Sommaire des exclusions<sup><a href=\"#legal-5\" data-dig-id=\"LP-15308-bcc07137\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">5<\/a><\/sup><\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-black-disc third-level-inherit is-style-blue-disc mar-b-hlf mob-mar-b-hlf\">\n<li>Nous ne verserons aucune prestation de d\u00e9c\u00e8s ni ne rembourserons les primes si la police est d\u00e9clar\u00e9e nulle et sans effet en raison de l\u2019omission d\u2019un fait essentiel \u00e0 l\u2019\u00e9tablissement de la police, d\u2019une fausse d\u00e9claration ou d\u2019une fraude.<\/li>\n\n\n\n<li>Si votre d\u00e9c\u00e8s survient au cours des deux premi\u00e8res ann\u00e9es de l\u2019assurance, la prestation de d\u00e9c\u00e8s se limite au remboursement des primes acquitt\u00e9es, sans int\u00e9r\u00eat, \u00e0 moins que vous d\u00e9c\u00e9diez des suites d\u2019un accident avant votre 85<sup>e<\/sup> anniversaire de naissance (dans ce cas, nous versons la prestation de d\u00e9c\u00e8s accidentel). En cas de d\u00e9c\u00e8s attribuable \u00e0 un suicide au cours des deux premi\u00e8res ann\u00e9es qui suivent la date de souscription ou de remise en vigueur de la police, aucune prestation de d\u00e9c\u00e8s n\u2019est vers\u00e9e. Nous rembourserons toutes les primes acquitt\u00e9es.<\/li>\n\n\n\n<li>Nous ne versons pas la prestation de d\u00e9c\u00e8s accidentel si votre d\u00e9c\u00e8s est attribuable \u00e0 :\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>des causes naturelles, une maladie ou une affection<\/li>\n\n\n\n<li>un suicide<\/li>\n\n\n\n<li>la perp\u00e9tration ou une tentative de perp\u00e9tration d\u2019un acte criminel<\/li>\n\n\n\n<li>la conduite d\u2019un v\u00e9hicule automobile avec un taux d\u2019alcool\u00e9mie sup\u00e9rieur \u00e0 la limite impos\u00e9e par la loi au moment de l\u2019accident<\/li>\n\n\n\n<li>une maladie ou affection li\u00e9e \u00e0 la consommation chronique d\u2019alcool<\/li>\n\n\n\n<li>la prise d\u2019un m\u00e9dicament autrement que selon l\u2019ordonnance du m\u00e9decin<\/li>\n\n\n\n<li>un empoisonnement<\/li>\n\n\n\n<li>des blessures sans signe visible de contusion<\/li>\n\n\n\n<li>un vol \u00e0 bord d\u2019un avion, d\u2019un h\u00e9licopt\u00e8re ou de tout autre a\u00e9ronef, \u00e0 titre de pilote ou de membre de l\u2019\u00e9quipage<\/li>\n\n\n\n<li>une guerre<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-a-propos-de-vos-primes\">\u00c0 propos de vos primes<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc mar-b-hlf mob-mar-b-hlf\">\n<li>Les primes sont garanties ; elles ne changeront pas<\/li>\n\n\n\n<li>\u00c0 95 ans, vous n\u2019aurez plus de prime \u00e0 payer<\/li>\n\n\n\n<li>Si vous souscrivez l\u2019assurance en ligne, vous pouvez payer vos primes par d\u00e9bits pr\u00e9autoris\u00e9s mensuels, par paiement annuel ou au moyen d\u2019une carte de cr\u00e9dit<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-obtenez-une-soumission-sans-examen-medical\">Obtenez une soumission sans examen m\u00e9dical<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Laissez un peu d\u2019argent \u00e0 vos proches \u2013 Obtenez une soumission en ligne ou parlez \u00e0 un conseiller autoris\u00e9 en assurance.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie-acceptation-garantie\/index.html\" data-dig-id=\"LP-11782-e3186616\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenez une soumission-https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie-acceptation-garantie\/index.html \">Obtenez une soumission<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-vie\/index.html\" data-dig-id=\"LP-11782-e3186616\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifiez un appel-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-vie\/index.html \">Planifiez un appel<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Vous avez besoin d\u2019aide&nbsp;? <a href=\"tel:+18778790045\" data-dig-id=\"LP-11782-6835b5b4\" data-dig-label=\"Composez le 1-800-461-1413\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Composez le 1-877-879-0045<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"599\" height=\"506\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp?quality=80&amp;w=599\" alt=\"Un p\u00e8re et son fils prot\u00e9g\u00e9s par une assurance vie garantie\" class=\"wp-image-12734\" srcset=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp 599w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp?resize=300,253 300w\" sizes=\"auto, (max-width: 599px) 100vw, 599px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2>Foire de questions sur l&rsquo;<span class=\"partial__border-bottom\">assurance vie \u00e0 acceptation garantie<\/span><\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Conseils g\u00e9n\u00e9raux en assurance\">\n\t\t\t\tConseils g\u00e9n\u00e9raux en assurance\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tConseils g\u00e9n\u00e9raux en assurance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tFaire une demande d\u2019assurance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tAdmissibilit\u00e9\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPr\u00e9cisions sur l\u2019assurance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPrimes\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Conseils g\u00e9n\u00e9raux en assurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Faire une demande d\u2019assurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Admissibilit\u00e9<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Pr\u00e9cisions sur l\u2019assurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Primes<\/div><\/div><p class=\"faqWrapper__helpText\">D\u2019autres questions\u00a0? <a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/nous-joindre\/#life\" data-dig-id=\"LP-11782-b05b868e\" data-dig-label=\"Communiquez avec nous.\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Communiquez avec nous.<\/a><\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Conseils g\u00e9n\u00e9raux en assurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2pj2opss\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2pj2opss\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-2pj2opss\" aria-controls=\"accordion2pj2opss\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce qu\u2019une assurance vie permanente\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce qu\u2019une assurance vie permanente\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2pj2opss\" role=\"region\" aria-labelledby=\"accordion-title2pj2opss\"><div class=\"collapse-inner\">\n<p>En v\u00e9rit\u00e9, chacun a des besoins uniques. Pour choisir le montant d\u2019assurance qui vous convient, vous devez tenir compte de diff\u00e9rents aspects. Pour obtenir une estimation rapide, essayez notre <a href=\"https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/calculatrice-assurance-vie\/index.html\">calculatrice d\u2019assurance vie<\/a>. Ou bien, poursuivez votre lecture pour d\u00e9couvrir les \u00e9l\u00e9ments qui devraient influencer votre d\u00e9cision&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>D\u2019ordre g\u00e9n\u00e9ral, il est recommand\u00e9 de souscrire un montant \u00e9quivalent \u00e0 au moins 5 \u00e0 7 fois votre revenu annuel net (soit votre salaire apr\u00e8s imp\u00f4t).<\/li>\n\n\n\n<li>Pensez aux personnes qui d\u00e9pendent de vous et aux nombres d\u2019ann\u00e9es pendant lesquelles elles pourraient encore avoir besoin de votre soutien financier.<\/li>\n\n\n\n<li>Si vous avez un pr\u00eat hypoth\u00e9caire, un pr\u00eat ou un solde \u00e0 rembourser sur vos cartes de cr\u00e9dit, de combien votre conjoint aura-t-il besoin pour les rembourser ?<\/li>\n\n\n\n<li>Si vous avez une assurance vie collective au travail ou une assurance vie hypoth\u00e9caire, vous pourriez en tenir compte au moment de calculer le montant \u00e0 souscrire.<\/li>\n\n\n\n<li>Si vous avez cumul\u00e9 de l\u2019\u00e9pargne et des placements \u2013 par exemple dans un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-\u00e9tudes (REEE) pour les \u00e9tudes de vos enfants \u2013 vous pouvez \u00e9galement soustraire ces montants de vos besoins en assurance vie. Vous devez seulement vous assurer que le retrait anticip\u00e9 de ces fonds par votre famille ne viendrait pas nuire \u00e0 la r\u00e9alisation des autres projets qu\u2019elle pourrait avoir.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlez4nf78xv\" class=\"collapse-toggle collapsed\" data-target=\"#accordionz4nf78xv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-z4nf78xv\" aria-controls=\"accordionz4nf78xv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce qu\u2019une assurance vie permanente\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce qu\u2019une assurance vie permanente\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionz4nf78xv\" role=\"region\" aria-labelledby=\"accordion-titlez4nf78xv\"><div class=\"collapse-inner\">\n<p>Une assurance vie permanente offre une couverture viag\u00e8re, des primes garanties et, dans certains cas \u2013 par exemple, dans le cas des assurances vie enti\u00e8re et vie universelle \u2013 une occasion de se constituer une \u00e9pargne. Si vous d\u00e9c\u00e9dez, votre b\u00e9n\u00e9ficiaire ou votre succession<sup><a href=\"#legal-1\" data-dig-id=\"LP-11782-862c8719\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup> re\u00e7oit votre prestation de d\u00e9c\u00e8s \u00e0 l\u2019abri de l\u2019imp\u00f4t. (\u00c0 noter que des frais d\u2019homologation s\u2019appliquent si vous n\u2019avez pas d\u00e9sign\u00e9 de b\u00e9n\u00e9ficiaire et que les sommes dues au titre de votre police s\u2019ajoutent \u00e0 votre succession.)<\/p>\n\n\n\n<p>L\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-entiere\/\">assurance vie enti\u00e8re<\/a>, l\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-universelle\/\">assurance vie Temporaire 100<\/a>, l\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-temporaire-100\/\">assurance vie Temporaire 100<\/a> et l\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/\">assurance vie \u00e0 acceptation garantie RBC<\/a> rel\u00e8vent toutes de la cat\u00e9gorie des assurances permanentes. L\u2019assurance vie enti\u00e8re et l\u2019assurance vie universelle combinent une assurance viag\u00e8re et la possibilit\u00e9 d\u2019accumuler de l\u2019\u00e9pargne dans la police (qu\u2019on appelle valeur de rachat ou valeur de capitalisation).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titles5h6zxh7\" class=\"collapse-toggle collapsed\" data-target=\"#accordions5h6zxh7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-s5h6zxh7\" aria-controls=\"accordions5h6zxh7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quelle est la diff\u00e9rence entre l\u2019assurance vie temporaire et l\u2019assurance vie permanente\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quelle est la diff\u00e9rence entre l\u2019assurance vie temporaire et l\u2019assurance vie permanente\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordions5h6zxh7\" role=\"region\" aria-labelledby=\"accordion-titles5h6zxh7\"><div class=\"collapse-inner\">\n<p>L\u2019une des diff\u00e9rences entre l\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-temporaire\/\">assurance vie temporaire<\/a> et l\u2019assurance vie permanente est que la premi\u00e8re vous prot\u00e8ge pour une p\u00e9riode plus courte, alors que cette derni\u00e8re vous prot\u00e8ge \u00e0 vie. En outre, l\u2019assurance vie temporaire co\u00fbte en g\u00e9n\u00e9ral moins cher que l\u2019assurance vie permanente.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Faire une demande d\u2019assurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title94rsmplt\" class=\"collapse-toggle collapsed\" data-target=\"#accordion94rsmplt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-94rsmplt\" aria-controls=\"accordion94rsmplt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Comment puis-je souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Comment puis-je souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion94rsmplt\" role=\"region\" aria-labelledby=\"accordion-title94rsmplt\"><div class=\"collapse-inner\">\n<p>Pour faire une demande d\u2019Assurance vie \u00e0 acceptation garantie RBC :<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><a href=\"https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie-acceptation-garantie\/index.html\">Obtenez une soumission et pr\u00e9sentez une demande en ligne<\/a><\/li>\n\n\n\n<li>Call 1-800-461-1413<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-vie\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">Demandez qu\u2019un conseiller vous appelle<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletvj25s1z\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontvj25s1z\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-tvj25s1z\" aria-controls=\"accordiontvj25s1z\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Si je fume, puis-je souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Si je fume, puis-je souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontvj25s1z\" role=\"region\" aria-labelledby=\"accordion-titletvj25s1z\"><div class=\"collapse-inner\">\n<p>Vous pouvez \u00eatre couvert m\u00eame si vous fumez. Vous n\u2019aurez droit aux taux non-fumeur que si vous n\u2019avez utilis\u00e9 aucun produit de tabac, sous quelque forme, au cours des 12 derniers mois. Si vous fumez \u00e0 l\u2019occasion ou si vous avez cess\u00e9 de fumer au cours des 12 derniers mois, vous \u00eates consid\u00e9r\u00e9 comme un fumeur.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleyxxmqq63\" class=\"collapse-toggle collapsed\" data-target=\"#accordionyxxmqq63\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-yxxmqq63\" aria-controls=\"accordionyxxmqq63\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Puis-je r\u00e9silier ma police d\u2019Assurance vie \u00e0 acceptation garantie RBC quand bon me semble\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Puis-je r\u00e9silier ma police d\u2019Assurance vie \u00e0 acceptation garantie RBC quand bon me semble\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionyxxmqq63\" role=\"region\" aria-labelledby=\"accordion-titleyxxmqq63\"><div class=\"collapse-inner\">\n<p>Oui, pourvu que vous pr\u00e9sentiez votre demande de r\u00e9siliation par \u00e9crit. De plus, vous avez 30 jours pour examiner la police apr\u00e8s l\u2019avoir re\u00e7ue ; si vous d\u00e9cidez de l\u2019annuler pendant cette p\u00e9riode, nous vous rembourserons les primes pay\u00e9es. \u00c0 tout moment par la suite, vous pourrez r\u00e9silier votre contrat et vous n\u2019aurez \u00e0 verser la prime que pour la p\u00e9riode durant laquelle vous \u00e9tiez couvert par l\u2019assurance.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Admissibilit\u00e9<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlek2z1cwyv\" class=\"collapse-toggle collapsed\" data-target=\"#accordionk2z1cwyv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-k2z1cwyv\" aria-controls=\"accordionk2z1cwyv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qui peut souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qui peut souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionk2z1cwyv\" role=\"region\" aria-labelledby=\"accordion-titlek2z1cwyv\"><div class=\"collapse-inner\">\n<p>Vous pouvez faire une demande d\u2019assurance si vous \u00eates un citoyen canadien ou un r\u00e9sident permanent\/immigrant re\u00e7u et que vous avez entre 40 et 75 ans.<\/p>\n\n\n\n<p><strong>Nota&nbsp;:<\/strong> L\u2019acceptation est garantie pourvu que vous r\u00e9pondiez aux crit\u00e8res d\u2019admissibilit\u00e9 pr\u00e9cit\u00e9s.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew6j5y5zf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw6j5y5zf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-w6j5y5zf\" aria-controls=\"accordionw6j5y5zf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Faut-il passer un examen m\u00e9dical pour souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Faut-il passer un examen m\u00e9dical pour souscrire l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw6j5y5zf\" role=\"region\" aria-labelledby=\"accordion-titlew6j5y5zf\"><div class=\"collapse-inner\">\n<p>Il n\u2019y a aucun examen m\u00e9dical \u00e0 passer ni questionnaire m\u00e9dical \u00e0 remplir pour souscrire cette assurance.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Pr\u00e9cisions sur l\u2019assurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlevykgr8wb\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvykgr8wb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-vykgr8wb\" aria-controls=\"accordionvykgr8wb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quand la protection de l\u2019Assurance vie \u00e0 acceptation garantie RBC commence-t-elle et prend-elle fin\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quand la protection de l\u2019Assurance vie \u00e0 acceptation garantie RBC commence-t-elle et prend-elle fin\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvykgr8wb\" role=\"region\" aria-labelledby=\"accordion-titlevykgr8wb\"><div class=\"collapse-inner\">\n<p>Votre protection entre en vigueur \u00e0 la date o\u00f9 vous demandez l\u2019assurance (ou \u00e0 votre date d\u2019entr\u00e9e en vigueur pr\u00e9f\u00e9r\u00e9e) tant que nous recevons votre demande dans les 15 jours suivant la date \u00e0 laquelle vous l\u2019avez sign\u00e9e et que nous recevons le paiement initial de la prime.<\/p>\n\n\n\n<p>Votre couverture prend fin \u00e0 la premi\u00e8re des dates suivantes&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>La date de votre d\u00e9c\u00e8s<\/li>\n\n\n\n<li>La date \u00e0 laquelle vous demandez par \u00e9crit la r\u00e9siliation de votre assurance vie<\/li>\n\n\n\n<li>La date \u00e0 laquelle vous cessez de payer vos primes (vous avez droit \u00e0 un d\u00e9lai de gr\u00e2ce de 30 jours apr\u00e8s la date \u00e0 laquelle la prime est \u00e9chue)<\/li>\n<\/ul>\n\n\n\n<p>Veuillez <a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/nous-joindre\/\">communiquer avec nous<\/a> pour conna\u00eetre tous les d\u00e9tails.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlej0glergu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionj0glergu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-j0glergu\" aria-controls=\"accordionj0glergu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Puis-je augmenter ou r\u00e9duire le montant de mon Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Puis-je augmenter ou r\u00e9duire le montant de mon Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionj0glergu\" role=\"region\" aria-labelledby=\"accordion-titlej0glergu\"><div class=\"collapse-inner\">\n<p>Oui, la protection peut en tout temps \u00eatre augment\u00e9e, jusqu\u2019\u00e0 concurrence de 40 000 $, dans la mesure o\u00f9 vous r\u00e9pondez toujours aux crit\u00e8res d\u2019admissibilit\u00e9. Vous pouvez aussi r\u00e9duire le montant de votre couverture en tout temps dans la mesure o\u00f9 vous nous pr\u00e9sentez une demande par \u00e9crit et que toutes vos primes ont \u00e9t\u00e9 acquitt\u00e9es \u00e0 la date d\u2019effet de la r\u00e9duction.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewr9m5zzy\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwr9m5zzy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-wr9m5zzy\" aria-controls=\"accordionwr9m5zzy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"L\u2019Assurance vie \u00e0 acceptation garantie RBC est-elle assortie d\u2019exclusions\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>L\u2019Assurance vie \u00e0 acceptation garantie RBC est-elle assortie d\u2019exclusions\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwr9m5zzy\" role=\"region\" aria-labelledby=\"accordion-titlewr9m5zzy\"><div class=\"collapse-inner\">\n<p>Votre couverture est assujettie aux exclusions suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Si votre d\u00e9c\u00e8s survient au cours des deux premi\u00e8res ann\u00e9es de l\u2019assurance, la prestation de d\u00e9c\u00e8s se limite au remboursement des primes acquitt\u00e9es, sans int\u00e9r\u00eat, \u00e0 moins que vous d\u00e9c\u00e9diez des suites d\u2019un accident avant votre 85<sup>e<\/sup> anniversaire de naissance (dans ce cas, nous versons la prestation de d\u00e9c\u00e8s accidentel). En cas de d\u00e9c\u00e8s attribuable \u00e0 un suicide durant les deux premi\u00e8res ann\u00e9es d\u2019une remise en vigueur, aucune prestation de d\u00e9c\u00e8s n\u2019est vers\u00e9e. Nous rembourserons toutes les primes acquitt\u00e9es.<\/li>\n\n\n\n<li>Nous ne verserons aucune prestation de d\u00e9c\u00e8s ni ne rembourserons les primes si la police est d\u00e9clar\u00e9e nulle et sans effet en raison de l\u2019omission d\u2019un fait essentiel \u00e0 l\u2019\u00e9tablissement de la police, d\u2019une fausse d\u00e9claration ou d\u2019une fraude.<\/li>\n<\/ul>\n\n\n\n<p>Nous ne versons pas la prestation de d\u00e9c\u00e8s accidentel si votre d\u00e9c\u00e8s est attribuable \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>des causes naturelles, une maladie ou une affection<\/li>\n\n\n\n<li>un suicide<\/li>\n\n\n\n<li>la perp\u00e9tration ou une tentative de perp\u00e9tration d\u2019un acte criminel<\/li>\n\n\n\n<li>la conduite d\u2019un v\u00e9hicule automobile avec un taux d\u2019alcool\u00e9mie sup\u00e9rieur \u00e0 la limite impos\u00e9e par la loi au moment de l\u2019accident<\/li>\n\n\n\n<li>une maladie ou affection li\u00e9e \u00e0 la consommation chronique d\u2019alcool<\/li>\n\n\n\n<li>la prise d\u2019un m\u00e9dicament autrement que selon l\u2019ordonnance du m\u00e9decin<\/li>\n\n\n\n<li>un empoisonnement<\/li>\n\n\n\n<li>des blessures sans signe visible de contusion<\/li>\n\n\n\n<li>un vol \u00e0 bord d\u2019un avion, d\u2019un h\u00e9licopt\u00e8re ou de tout autre a\u00e9ronef, \u00e0 titre de pilote ou de membre de l\u2019\u00e9quipage<\/li>\n\n\n\n<li>une guerre<\/li>\n<\/ul>\n\n\n\n<p>Si, durant le processus de souscription de l\u2019assurance, vous avez fourni des renseignements erron\u00e9s ou incomplets concernant votre \u00e2ge, votre sexe ou vos habitudes d\u2019usage du tabac, nous nous r\u00e9servons le droit de refuser de verser une prestation ou de rajuster le capital payable.<\/p>\n\n\n\n<p>L\u2019information ci-dessus constitue un simple r\u00e9sum\u00e9. Veuillez consulter les <a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-acceptation-garantie-declaration\/\" target=\"_blank\" data-dig-id=\"LP-11782-8ecb928d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"renseignements suppl\u00e9mentaires\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">renseignements suppl\u00e9mentaires<\/a> ou l\u2019<a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/guaranteed-acceptance-policy.pdf\" data-dig-id=\"LP-11782-05e106f4\" data-dig-label=\"exemple de police\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">exemple de police<\/a> pour conna\u00eetre toutes les dispositions de l\u2019assurance, y compris les garanties et les exclusions.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Primes<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleh4zqlrju\" class=\"collapse-toggle collapsed\" data-target=\"#accordionh4zqlrju\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-h4zqlrju\" aria-controls=\"accordionh4zqlrju\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Suis-je admissible \u00e0 des taux pr\u00e9f\u00e9rentiels pour l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Suis-je admissible \u00e0 des taux pr\u00e9f\u00e9rentiels pour l\u2019Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionh4zqlrju\" role=\"region\" aria-labelledby=\"accordion-titleh4zqlrju\"><div class=\"collapse-inner\">\n<p>Les taux pr\u00e9f\u00e9rentiels ne s\u2019appliquent pas \u00e0 l\u2019Assurance vie \u00e0 acceptation garantie RBC.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerl8gbrvw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrl8gbrvw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-rl8gbrvw\" aria-controls=\"accordionrl8gbrvw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Les taux de l\u2019Assurance vie \u00e0 acceptation garantie RBC sont-ils garantis\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Les taux de l\u2019Assurance vie \u00e0 acceptation garantie RBC sont-ils garantis\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrl8gbrvw\" role=\"region\" aria-labelledby=\"accordion-titlerl8gbrvw\"><div class=\"collapse-inner\">\n<p>Oui, tant que vous payez vos primes \u00e0 temps, vos taux sont garantis \u00e0 vie.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletuiu3oct\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontuiu3oct\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-tuiu3oct\" aria-controls=\"accordiontuiu3oct\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Si j\u2019arr\u00eate de fumer apr\u00e8s que ma police d\u2019Assurance vie \u00e0 acceptation garantie RBC est \u00e9tablie, qu\u2019arrivera-t-il \u00e0 mes primes\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Si j\u2019arr\u00eate de fumer apr\u00e8s que ma police d\u2019Assurance vie \u00e0 acceptation garantie RBC est \u00e9tablie, qu\u2019arrivera-t-il \u00e0 mes primes\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontuiu3oct\" role=\"region\" aria-labelledby=\"accordion-titletuiu3oct\"><div class=\"collapse-inner\">\n<p>Une fois la police \u00e9tablie, vous pouvez demander \u00e0 b\u00e9n\u00e9ficier des taux non-fumeur si vous n\u2019avez fait usage d\u2019aucun produit du tabac, sous quelque forme, pendant 12 mois cons\u00e9cutifs. Il suffit de <a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/nous-joindre\/\">nous contacter<\/a> et de nous dire que vous d\u00e9sirez b\u00e9n\u00e9ficier des taux non-fumeur. Vous devrez r\u00e9pondre \u00e0 un questionnaire sur l\u2019usage du tabac. Une fois que nos tarificateurs auront approuv\u00e9 votre demande et que votre admissibilit\u00e9 aura \u00e9t\u00e9 confirm\u00e9e, vous b\u00e9n\u00e9ficierez des taux non-fumeur.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekt8owcq2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkt8owcq2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-kt8owcq2\" aria-controls=\"accordionkt8owcq2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Pendant combien de temps devrai-je payer les primes de mon Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Pendant combien de temps devrai-je payer les primes de mon Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkt8owcq2\" role=\"region\" aria-labelledby=\"accordion-titlekt8owcq2\"><div class=\"collapse-inner\">\n<p>Vous paierez des primes jusqu\u2019\u00e0 l\u2019\u00e2ge de 95 ans, apr\u00e8s quoi, vous demeurerez assur\u00e9, mais n\u2019aurez plus de primes \u00e0 payer.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9js90s9c\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9js90s9c\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11782-9js90s9c\" aria-controls=\"accordion9js90s9c\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"De quelle fa\u00e7on puis-je payer mon Assurance vie \u00e0 acceptation garantie RBC\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>De quelle fa\u00e7on puis-je payer mon Assurance vie \u00e0 acceptation garantie RBC\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9js90s9c\" role=\"region\" aria-labelledby=\"accordion-title9js90s9c\"><div class=\"collapse-inner\">\n<p>Vous pouvez faire des paiements mensuels ou un paiement annuel.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Si vous payez vos primes par d\u00e9bits mensuels pr\u00e9autoris\u00e9s, nous d\u00e9biterons automatiquement votre compte bancaire lorsque votre demande sera approuv\u00e9e.<\/li>\n\n\n\n<li>Si vous optez pour le mode de paiement annuel, nous vous enverrons une facture pour la prime annuelle.<\/li>\n\n\n\n<li>Si vous souscrivez l\u2019assurance en ligne, vous aurez besoin d\u2019une carte de cr\u00e9dit (\u00e9mise au nom du proposant).<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">D\u2019autres questions\u00a0? <a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/nous-joindre\/#life\" data-dig-id=\"LP-11782-b05b868e\" data-dig-label=\"Communiquez avec nous.\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Communiquez avec nous.<\/a><\/p><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-11782-9a915362\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>Afficher les avis de non-responsabilit\u00e9<\/span><span>Cacher les avis de non-responsabilit\u00e9<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Votre acceptation est garantie si vous avez entre 40 et 75 ans et \u00eates citoyen canadien ou r\u00e9sident permanent\/immigrant re\u00e7u vivant au Canada depuis plus de 12 mois.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>Au cours des deux premi\u00e8res ann\u00e9es d\u2019assurance, la prestation payable au titre de la police se limite au remboursement des primes vers\u00e9es jusqu\u2019\u00e0 la date de votre d\u00e9c\u00e8s (\u00e0 moins que votre d\u00e9c\u00e8s soit attribuable \u00e0 un accident avant votre 85<sup>e<\/sup>&nbsp;anniversaire. Dans ce cas, nous verserons la prestation de d\u00e9c\u00e8s accidentel.) Apr\u00e8s deux ans, l\u2019assurance demeure en vigueur votre vie durant et ne diminuera pas. Le paiement des primes cesse \u00e0 l\u2019\u00e2ge de 95 ans, mais vous restez couvert \u00e0 vie. L\u2019assurance prend fin si vous r\u00e9siliez votre police ou si vous ne payez pas vos primes \u00e0 leur \u00e9ch\u00e9ance.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>\u00c0 noter que des frais d\u2019homologation s\u2019appliquent si vous n\u2019avez pas d\u00e9sign\u00e9 un b\u00e9n\u00e9ficiaire et que les sommes dues de votre police sont vers\u00e9es \u00e0 votre succession.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>Le paiement de la prestation de d\u00e9c\u00e8s accidentel est subordonn\u00e9 aux dispositions de la police.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>L\u2019information ci-dessus constitue un simple r\u00e9sum\u00e9. Veuillez consulter les renseignements suppl\u00e9mentaires, l\u2019exemple de police ou l\u2019exemple d\u2019avenant pour conna\u00eetre toutes les dispositions de l\u2019assurance, y compris les garanties et les exclusions<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":159,"featured_media":0,"parent":11566,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11782","page","type-page","status-publish","hentry"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Assurance vie \u00e0 acceptation garantie | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Vous avez entre 40 et 75\u00a0ans\u00a0? Souscrivez l\u2019Assurance vie \u00e0 acceptation garantie\u00a0RBC en ligne d\u00e8s aujourd\u2019hui, sans avoir \u00e0 passer d\u2019examen m\u00e9dical ni \u00e0 remplir un questionnaire m\u00e9dical.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance vie \u00e0 acceptation garantie | RBC Assurances\" \/>\n<meta property=\"og:description\" content=\"Vous avez entre 40 et 75\u00a0ans\u00a0? Souscrivez l\u2019Assurance vie \u00e0 acceptation garantie\u00a0RBC en ligne d\u00e8s aujourd\u2019hui, sans avoir \u00e0 passer d\u2019examen m\u00e9dical ni \u00e0 remplir un questionnaire m\u00e9dical.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Assurances\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-11T20:57:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/guaranteed-life_insurance_hero-mobile.webp?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"847\" \/>\n\t<meta property=\"og:image:height\" content=\"565\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/\",\"url\":\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/\",\"name\":\"Assurance vie \u00e0 acceptation garantie | RBC Assurances\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcinsurance.com\/fr-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-acceptation-garantie\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/family-protected.webp?quality=80&amp;w=599\",\"datePublished\":\"2024-10-30T12:10:08+00:00\",\"dateModified\":\"2026-03-11T20:57:02+00:00\",\"description\":\"Vous avez entre 40 et 75\u00a0ans\u00a0? 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