{"id":20806,"date":"2025-07-29T09:14:38","date_gmt":"2025-07-29T13:14:38","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/fr-ca\/?page_id=20806"},"modified":"2025-07-29T09:15:14","modified_gmt":"2025-07-29T13:15:14","slug":"nouvelle-loi-fiscale","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/nouvelle-loi-fiscale\/","title":{"rendered":"Nouvelle loi fiscale pour les polices d\u2019assurance vie"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span> &gt; <span><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/\">Une assurance vie pour les r\u00e9sidents canadiens<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">Nouvelle loi fiscale pour les polices d\u2019assurance vie<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-nouvelle-loi-fiscale-pour-les-polices-d-assurance-vie\">Nouvelle loi fiscale pour les polices d\u2019assurance vie<\/h1>\n\n\n\n<p class=\"mar-t-dbl mob-mar-t-dbl\">Nous souhaitons vous transmettre des renseignements sur la nouvelle loi qui aura des r\u00e9percussions sur l\u2019imposition des polices d\u2019assurance vie canadiennes. Cette loi entrera en vigueur le 1<sup>er<\/sup>&nbsp;janvier 2017. Dans le cas des polices \u00e9tablies \u00e0 compter de cette date, les nouvelles r\u00e8gles auront une incidence sur la somme d\u2019argent qui peut s\u2019accumuler \u00e0 l\u2019abri de l\u2019imp\u00f4t au cours de la dur\u00e9e d\u2019une police d\u2019assurance vie permanente.<\/p>\n\n\n\n<p>Si vous \u00eates titulaire d\u2019une police d\u2019assurance Vie universelle RBC, d\u2019une police d\u2019assurance vie temporaire avec valeur de rachat ou d\u2019une police d\u2019assurance vie enti\u00e8re avec valeur de rachat<sup><a href=\"#legal-1\" data-dig-id=\"LP-20806-f42f3a5f\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>, ou si vous songez \u00e0 souscrire l\u2019une de ces assurances, les r\u00e8gles fiscales s\u2019appliqueront comme suit :<\/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 police est \u00e9tablie le ou apr\u00e8s le 1<sup>er<\/sup>&nbsp;janvier 2017, les nouvelles r\u00e8gles fiscales s\u2019appliqueront.<\/li>\n\n\n\n<li>Si votre police a \u00e9t\u00e9 \u00e9tablie avant le 1<sup>er<\/sup>&nbsp;janvier 2017, elle b\u00e9n\u00e9ficiera de \u00ab droits acquis \u00bb et continuera d\u2019\u00eatre r\u00e9gie par les r\u00e8gles actuelles.<\/li>\n<\/ul>\n\n\n\n<p>Une police avec droits acquis peut perdre son statut et \u00eatre assujettie aux nouvelles r\u00e8gles si certains changements, comme l\u2019ajout d\u2019une couverture ou l\u2019augmentation du capital assur\u00e9, sont effectu\u00e9s le ou apr\u00e8s le 1<sup>er<\/sup>&nbsp;janvier 2017.<\/p>\n\n\n\n<p>Comme les nouvelles r\u00e8gles sont g\u00e9n\u00e9ralement plus s\u00e9v\u00e8res que les r\u00e8gles en place, il serait avis\u00e9 de revoir vos besoins avec votre conseiller si vous \u00eates actuellement titulaire d\u2019une police d\u2019assurance vie et comptez y apporter des changements. Votre conseiller aura l\u2019information requise pour d\u00e9terminer si le changement souhait\u00e9 peut avoir des r\u00e9percussions sur le statut de votre police.<\/p>\n\n\n\n<p>Nous vous recommandons de communiquer avec votre conseiller pour obtenir de plus amples renseignements au besoin.<\/p>\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-20806-1ac5a15b\" 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>D\u2019autres produits d\u2019assurance de la Compagnie d\u2019assurance vie RBC Vie peuvent \u00eatre vis\u00e9s.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Nouvelle loi fiscale pour les polices d\u2019assurance vie Nous souhaitons vous transmettre des renseignements sur la nouvelle loi qui aura des r\u00e9percussions sur l\u2019imposition des polices d\u2019assurance vie canadiennes. Cette loi entrera en vigueur le 1er&nbsp;janvier 2017. Dans le cas des polices \u00e9tablies \u00e0 compter de cette date, les nouvelles r\u00e8gles auront une incidence sur [&hellip;]<\/p>\n","protected":false},"author":203,"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-20806","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Nouvelle loi fiscale pour les polices d\u2019assurance vie | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Nous souhaitons vous transmettre des renseignements sur la nouvelle loi qui aura des r\u00e9percussions sur l\u2019imposition des polices d\u2019assurance vie canadiennes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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