{"id":22041,"date":"2025-10-24T14:07:10","date_gmt":"2025-10-24T18:07:10","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/fr-ca\/?page_id=22041"},"modified":"2026-03-10T13:31:43","modified_gmt":"2026-03-10T17:31:43","slug":"retraites-anticipes","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/fr-ca\/etapes-de-vie\/retraites-anticipes\/","title":{"rendered":"Planification de la retraite"},"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\/2021\/06\/retirement-hero.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/retirement-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<h2 class=\"wp-block-heading rbc-callout-heading\" id=\"h-bonjour-retraite-adieu-pression\">Bonjour <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">retraite<\/mark>, adieu <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">pression<\/mark> <\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Vous avez m\u00e9rit\u00e9 de prendre votre retraite. Il se peut toutefois que votre \u00e9pargne ne couvre pas enti\u00e8rement vos soins de sant\u00e9 ou les frais impr\u00e9vus, et c\u2019est l\u00e0 que l\u2019assurance entre en jeu.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote 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=\"#h-trois-facons-de-favoriser-la-stabilite-a-la-retraite\" data-dig-id=\"LP-22041-d488a3ed\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Voir ce que nos clients choisissent-#h-trois-facons-de-favoriser-la-stabilite-a-la-retraite \">Voir ce que nos clients choisissent<\/a><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\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=\"#\" data-dig-id=\"LP-22041-2a6678f8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile mar-t-dbl mob-mar-t-dbl\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"592\" height=\"593\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/retirement-1-1_FR-1.webp?quality=80&amp;w=592\" alt=\"Un couple prot\u00e9g\u00e9 par une assurance-vie\nLes planificateurs financiers recommandent de toucher de 60\u00a0% \u00e0 70\u00a0% de son revenu professionnel pendant la retraite.\" class=\"wp-image-22288 size-full\" srcset=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/retirement-1-1_FR-1.webp 592w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/retirement-1-1_FR-1.webp?resize=150,150 150w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/retirement-1-1_FR-1.webp?resize=300,300 300w\" sizes=\"auto, (max-width: 592px) 100vw, 592px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h1 class=\"wp-block-heading  mob-mar-t-dbl\" id=\"h-comment-l-assurance-vous-protege-t-elle-pendant-la-retraite-nbsp\"><span class=\"partial__border-bottom\">Comment l\u2019assurance vous prot\u00e8ge-t-elle pendant la retraite&nbsp;?<\/span><\/h1>\n\n\n\n<p>\u00c0 la retraite, votre revenu est peut-\u00eatre pr\u00e9visible, mais la vie ne l\u2019est pas. Planifiez en cas de maladies, de frais impr\u00e9vus et de l\u2019instabilit\u00e9 financi\u00e8re avec une assurance adapt\u00e9e \u00e0 votre mode de vie.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading mar-t-dbl mob-mar-t-dbl\" id=\"h-trois-facons-de-favoriser-la-stabilite-a-la-retraite\">Trois fa\u00e7ons de favoriser la stabilit\u00e9 \u00e0 la retraite<\/h2>\n\n\n\n<div class=\"wp-block-rbc-comparison-block comparisonBlock  menuStyle__enhanced menuItems__dropdown mar-t-0 mob-mar-t-0\" data-dropdownlabel=\"Cat\u00e9gorie\"><div class=\"comparisonBlock__header\"><p class=\"rbc-override-margin p-large\"><span class=\"partial__border-bottom\">Qu\u2019il s\u2019agisse d\u2019assurer un revenu stable ou de se pr\u00e9parer aux besoins croissants de soins de sant\u00e9, voici les protections de base qui permettront aux retrait\u00e9s d\u2019avoir l\u2019esprit tranquille durant le prochain chapitre de leur vie.<\/span><\/p><\/div><div class=\"comparisonBlock__content\"><div class=\"comparisonBlock__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\t<span class=\"selectDropdown__label\" tabindex=\"0\" aria-label=\"Cat\u00e9gorie\">Cat\u00e9gorie<\/span>\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=\"Pr\u00e9parez vos proches et votre succession\">\n\t\t\t\tPr\u00e9parez vos proches et votre succession\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\tPr\u00e9parez vos proches et votre succession\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\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tSimplifiez le remboursement de l\u2019imp\u00f4t, des dettes et des d\u00e9penses de fin de vie afin que vos projets demeurent intacts.\t\t\t\t\t\t\t<\/span>\n\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\tProt\u00e9gez votre retraite en cas de probl\u00e8mes de sant\u00e9 s\u00e9rieux\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\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tUn diagnostic ne devrait pas compromettre votre plan de revenu ni vous obliger \u00e0 faire des choix difficiles.\t\t\t\t\t\t\t<\/span>\n\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\tTransformez votre \u00e9pargne en une source de revenu fiable et prot\u00e9gez ce que vous conservez\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\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tTransformez votre \u00e9pargne en un revenu p\u00e9riodique et souscrivez des options pour prot\u00e9ger vos placements.\t\t\t\t\t\t\t<\/span>\n\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=\"comparisonBlock__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_1\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Umbrella.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Pr\u00e9parez vos proches et votre succession<\/p><p class=\"menuItem__enhanced__description\">Simplifiez le remboursement de l\u2019imp\u00f4t, des dettes et des d\u00e9penses de fin de vie afin que vos projets demeurent intacts.<\/p><\/div><\/li><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_2\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/bandaid-24x24-1.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Prot\u00e9gez votre retraite en cas de probl\u00e8mes de sant\u00e9 s\u00e9rieux<\/p><p class=\"menuItem__enhanced__description\">Un diagnostic ne devrait pas compromettre votre plan de revenu ni vous obliger \u00e0 faire des choix difficiles.<\/p><\/div><\/li><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_3\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/money-24x24-1.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Transformez votre \u00e9pargne en une source de revenu fiable et prot\u00e9gez ce que vous conservez<\/p><p class=\"menuItem__enhanced__description\">Transformez votre \u00e9pargne en un revenu p\u00e9riodique et souscrivez des options pour prot\u00e9ger vos placements.<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"comparisonBlock__content-right\">\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"t3ojwc7ak\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>L\u2019assurance vie<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-assurance-croissance-rbc-assurance-vie-entiere-avec-participation\">Assurance croissance RBC (assurance vie enti\u00e8re avec participation)<\/h4>\n\n\n\n<p>Protection viag\u00e8re qui accumule aussi une valeur de rachat. Si vous recherchez une police dont la croissance est garantie et qui est con\u00e7ue pour offrir une protection permanente \u00e0 vie, vous l\u2019avez trouv\u00e9e.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Points forts<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Montant d\u2019assurance de 25 000 $ \u00e0 25 000 000 $ \u00e0 vie.<\/p>\n\n\n\n<p>Peut \u00eatre souscrite de 0 \u00e0 85 ans.<\/p>\n\n\n\n<p>Options de participations \u2013 choisissez parmi cinq options souples d\u2019affectation des participations (Bonifications d\u2019assurance lib\u00e9r\u00e9e, Versements en esp\u00e8ces, R\u00e9duction de la prime, Assurances bonifi\u00e9es ou Participations en d\u00e9p\u00f4t).<\/p>\n\n\n\n<p>Gestion d\u2019actifs de calibre mondial par une \u00e9quipe de placement RBC.<\/p>\n\n\n\n<p>Couverture individuelle ou conjointe.<\/p>\n\n\n\n<p>Acc\u00e9dez en tout temps \u00e0 votre valeur de rachat accumul\u00e9e.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-c431f4b2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"R\u00e9servez un appel maintenant-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">R\u00e9servez un appel maintenant<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-entiere\/\" data-dig-id=\"LP-22041-a523c223\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Plus de d\u00e9tails\" class=\"rbc-link-format\">Plus de d\u00e9tails<\/a> <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>L\u2019assurance vie<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-assurance-vie-universelle-rbc\">Assurance vie universelle RBC<\/h4>\n\n\n\n<p>Obtenez une protection \u00e0 long terme avec cette solution souple offrant une protection viag\u00e8re et une croissance des placements \u00e0 l\u2019abri de l\u2019imp\u00f4t.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Points forts<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Montant d\u2019assurance de 50 000 $ \u00e0 25 000 000 $ \u00e0 vie.<\/p>\n\n\n\n<p>Choisissez le montant de vos cotisations et le mode de paiement de vos primes.<\/p>\n\n\n\n<p>Cr\u00e9ez le portefeuille qui vous convient gr\u00e2ce \u00e0 une gamme d&rsquo;options de placement.<\/p>\n\n\n\n<p>Offert aux r\u00e9sidents canadiens de 0 \u00e0 85 ans.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-4dc527f3\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"R\u00e9servez un appel maintenant-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">R\u00e9servez un appel maintenant<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-vie\/assurance-vie-universelle\/\" data-dig-id=\"LP-22041-43311498\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Plus de d\u00e9tails\" class=\"rbc-link-format\">Plus de d\u00e9tails<\/a> <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_t3ojwc7ak\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"16wbztkn1\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>D\u2019assurances maladies grave<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-assurance-maladies-grave\">Assurance maladies grave<\/h4>\n\n\n\n<p>Prot\u00e9gez-vous contre les maladies les plus courantes. Les cancers, les crises cardiaques et les accidents vasculaires c\u00e9r\u00e9braux repr\u00e9sentent 89 % de toutes les demandes de r\u00e8glement au titre des assurances maladies graves.<sup><a href=\"#legal-2\" data-dig-id=\"LP-22037-140123b3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup> Pour une protection contre ces maladies courantes<sup><a href=\"#legal-3\" data-dig-id=\"LP-22037-f1e1b75f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup>, choisissez notre couverture la plus abordable.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Points forts<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Indemnit\u00e9 forfaitaire: 10 000 $, 25 000 $, 50 000 $ ou 75 000 $.<\/p>\n\n\n\n<p>Protection abordable: Contre les trois maladies graves les plus courantes.<\/p>\n\n\n\n<p>Garanties facultatives: La garantie de remboursement des primes au d\u00e9c\u00e8s rembourse toutes les primes acquitt\u00e9es si votre d\u00e9c\u00e8s survient pendant que la police est en vigueur.<\/p>\n\n\n\n<p>Assistance Services: Services d\u2019aide Experts m\u00e9dicaux de Teladoc, programme \u00ab Le chemin de la gu\u00e9rison \u00bb et indemnit\u00e9 d\u2019assistance imm\u00e9diate.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-855a8ac1\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"R\u00e9servez un appel maintenant-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">R\u00e9servez un appel maintenant<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves\/\" data-dig-id=\"LP-22037-32288d05\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Plus de d\u00e9tails\" class=\"rbc-link-format\">Plus de d\u00e9tails<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Assurance invalidit\u00e9<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-serie-professions\">S\u00e9rie Professions<\/h4>\n\n\n\n<p>La police de la S\u00e9rie Professions procure une protection d\u2019invalidit\u00e9 de longue dur\u00e9e et des garanties pour faciliter le retour au travail qui sont con\u00e7ues pour r\u00e9pondre \u00e0 vos besoins particuliers.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Points forts<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Prestation d\u2019invalidit\u00e9 totale : Recevez une prestation mensuelle pr\u00e9d\u00e9termin\u00e9e si une maladie ou une blessure vous emp\u00eache totalement de travailler.<sup><a href=\"#legal-4\" data-dig-id=\"LP-22037-1a3067e3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n\n\n\n<p>Garantie en cas d\u2019invalidit\u00e9 partielle et r\u00e9siduelle : Facilite votre retour au travail si, \u00e0 la suite d\u2019une blessure ou d\u2019une maladie, vous ne pouvez reprendre le travail qu\u2019\u00e0 temps partiel.<\/p>\n\n\n\n<p>P\u00e9riode d\u2019indemnisation de votre choix: Recevez des prestations pendant deux ans, cinq ans ou jusqu\u2019\u00e0 65 ans.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-maladie\/garanties-le-retour-au-travail\/\" data-dig-id=\"LP-22037-d3e3a327\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Aide pour le retour au travail\" class=\"rbc-link-format\">Aide pour le retour au travail<\/a> : Recevoir des services pouvant vous aider \u00e0 reprendre votre travail.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-855a8ac1\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"R\u00e9servez un appel maintenant-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">R\u00e9servez un appel maintenant<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-invalidite\/\" data-dig-id=\"LP-22037-3fb82c9f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Plus de d\u00e9tails\" class=\"rbc-link-format\">Plus de d\u00e9tails<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_16wbztkn1\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"z4sb0gc98\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Solutions pour la retraite<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rente-immediate\">Rente imm\u00e9diate<\/h4>\n\n\n\n<p>Les Rentes imm\u00e9diates RBC peuvent vous procurer un revenu garanti \u00e0 vie.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Points forts<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Garantissez votre revenu de retraite.<\/p>\n\n\n\n<p>R\u00e9duisez vos imp\u00f4ts au minimum.<\/p>\n\n\n\n<p>Procurez une s\u00e9curit\u00e9 \u00e0 vos \u00eatres chers.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-578ba6ca\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"R\u00e9servez un appel maintenant-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">R\u00e9servez un appel maintenant<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/rentes\/\" data-dig-id=\"LP-22041-33dcff99\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Plus de d\u00e9tails\" class=\"rbc-link-format\">Plus de d\u00e9tails<\/a> <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Solutions pour la retraite<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fonds-distincts\">Fonds distincts<\/h4>\n\n\n\n<p>Les fonds distincts permettent \u00e0 votre argent de fructifier tout en vous procurant des garanties int\u00e9gr\u00e9es permettant de le mettre \u00e0 l\u2019abri.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Points forts<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Garantissez votre placement initial.<\/p>\n\n\n\n<p>Cristallisation des gains r\u00e9alis\u00e9s.<\/p>\n\n\n\n<p>Procurez une s\u00e9curit\u00e9 \u00e0 vos \u00eatres chers.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-755448c2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"R\u00e9servez un appel maintenant-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">R\u00e9servez un appel maintenant<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/retraite\/fonds-distincts\/\" data-dig-id=\"LP-22041-4404ecc5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Plus de d\u00e9tails\" class=\"rbc-link-format\">Plus de d\u00e9tails<\/a> <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_z4sb0gc98\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__2CTACard  hasDarkBg\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-columns cols2CTA is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column columnLeft is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group groupColumnLeft is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color\" id=\"h-parlez-a-un-conseiller-si\">Parlez \u00e0 un conseiller si<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous pr\u00e9voyez combiner plusieurs produits.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous avez des pr\u00e9occupations de sant\u00e9 ou de famille particuli\u00e8res.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous voulez un plan financier sur mesure.<\/p>\n<\/li>\n<\/ul>\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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-38d1219e\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifier un appel-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">Planifier un appel<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column columnRight is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group groupColumnRight is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color\" id=\"h-commencez-en-ligne-si\">Commencez en ligne si<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Vos besoins sont simples.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous savez quel type de couverture vous recherchez.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous \u00eates pr\u00eat \u00e0 commencer.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie\/index.html\" data-dig-id=\"LP-22041-bba85c0d\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenir une soumission d\u2019assurance vie-https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/soumission-assurance-vie\/index.html \">Obtenir une soumission d\u2019assurance vie<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout8\">\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-ressources-utiles\"><span class=\"partial__border-bottom\">Ressources utiles<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/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 flex-2\/3 layout8-article-wrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-article-cards articleCards layout8-article-cards\"><div class=\"articleCards__container\"><div class=\"articleCards__cards carousel-wpr\">\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2023\/09\/CreateTheRightRetirementIncome.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Article<\/span><h4 class=\"rbc-override-margin\">Cr\u00e9er le plan de revenu de retraite qui vous convient<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">De combien d\u2019argent aurez-vous besoin \u00e0 la retraite\u00a0? Pour bien planifier votre retraite, vous devez d\u2019abord avoir une id\u00e9e claire de vos besoins financiers actuels et futurs. Voici par o\u00f9 commencer.<\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/retraite\/creer-le-plan-de-revenu-de-retraite-qui-vous-convient\">Lire maintenant<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/Thumbnail-default-15-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Article<\/span><h4 class=\"rbc-override-margin\">\u00c9puiser votre \u00e9pargne-retraite vous inqui\u00e8te ? Voici trois raisons de songer \u00e0 souscrire une rente imm\u00e9diate.<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Pour les Canadiens qui s&rsquo;inqui\u00e8tent d&rsquo;\u00e9puiser leur \u00e9pargne-retraite, les rentes imm\u00e9diates peuvent offrir une certaine stabilit\u00e9 financi\u00e8re.<\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/retraite\/raisons-de-songer-a-souscrire-une-rente-immediate\">Lire maintenant<\/a><\/p><\/div><\/div>\n<\/div><div class=\"articleCards__sliderNav\"><div class=\"articleCards__navArrow articleCards__prevArrow\"><\/div><div class=\"articleCards__sliderDots\"><\/div><div class=\"articleCards__navArrow articleCards__nextArrow\"><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group info_layoutSelector flex-1\/3 layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard articleCardsLayout__stackedCard\" style=\"--icon-url:url(undefined);background-color:#edf7fc\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-square-yellow\" style=\"--icon-url:url(undefined)\"><span>Outil<\/span><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-calculatrice-d-assurance-vie\">Calculatrice d\u2019assurance vie<\/h4>\n\n\n\n<p>Voyez le montant d\u2019assurance qui vous convient, \u00e0 vous et \u00e0 votre famille.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-style-secondary secondary is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-secondary secondary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/calculatrice-assurance-vie\/index.html\" data-dig-id=\"LP-22041-91871658\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculer-https:\/\/www.rbcinsurance.com\/fr\/assurance-vie\/calculatrice-assurance-vie\/index.html \">Calculer<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard articleCardsLayout__stackedCard\" style=\"--icon-url:url(undefined);background-color:#edf7fc\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-square-yellow\" style=\"--icon-url:url(undefined)\"><span>Outil<\/span><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-calculatrice-de-rente\">Calculatrice de rente<\/h4>\n\n\n\n<p>Estimez votre revenu potentiel au titre d\u2019une rente \u00e0 celui au titre d\u2019un FERR.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-style-secondary secondary is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-secondary secondary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/rentes\/calculatrice-de-rente.html\" data-dig-id=\"LP-22041-70914373\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculer-https:\/\/www.rbcinsurance.com\/fr\/rentes\/calculatrice-de-rente.html \">Calculer<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h2><span class=\"partial__border-bottom\">Foire aux questions<\/span> sur la planification de la retraite<\/h2><\/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-titlehcu68lsz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhcu68lsz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-22041-hcu68lsz\" aria-controls=\"accordionhcu68lsz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quels facteurs faut-il prendre en compte lors de l\u2019\u00e9laboration d\u2019un plan de revenu de retraite ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quels facteurs faut-il prendre en compte lors de l\u2019\u00e9laboration d\u2019un plan de revenu de retraite ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhcu68lsz\" role=\"region\" aria-labelledby=\"accordion-titlehcu68lsz\"><div class=\"collapse-inner\">\n<p>Un plan de retraite complet doit tenir compte de votre situation financi\u00e8re, de vos besoins et objectifs futurs, de votre tol\u00e9rance au risque et de votre capacit\u00e9 de prise de risque pendant vos ann\u00e9es de retraite. Un conseiller en services financiers devrait tenir compte de tous ces facteurs pour vous aider \u00e0 d\u00e9finir le plan de revenu qui vous convient.<\/p>\n\n\n\n<p>Voici quelques exemples de facteurs cl\u00e9s dont il vous faudra discuter :<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc mar-l mob-mar-l\">\n<li>Votre tol\u00e9rance au risque et aux fluctuations du march\u00e9<\/li>\n\n\n\n<li>Vos objectifs de placement relativement \u00e0 la croissance de votre fonds de retraite<\/li>\n\n\n\n<li>Votre d\u00e9sir de souplesse et de liquidit\u00e9 par rapport \u00e0 votre besoin de stabilit\u00e9<\/li>\n\n\n\n<li>Votre \u00e9tat de sant\u00e9 et votre esp\u00e9rance de vie<\/li>\n\n\n\n<li>L\u2019inflation et son incidence sur votre pouvoir d\u2019achat pendant vos ann\u00e9es de retraite<\/li>\n<\/ul>\n\n\n\n<p>Un conseiller en services financiers peut vous aider \u00e0 concevoir un plan adapt\u00e9 \u00e0 vos besoins et objectifs, que ce soit en adoptant une strat\u00e9gie simple et directe ou une approche diversifi\u00e9e pour g\u00e9rer votre revenu de retraite.<\/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-titlej7yat6xf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionj7yat6xf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-22041-j7yat6xf\" aria-controls=\"accordionj7yat6xf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce que le risque d\u2019\u00e9puiser son \u00e9pargne \u00e0 la retraite et comment l\u2019assurance peut-elle l\u2019att\u00e9nuer\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce que le risque d\u2019\u00e9puiser son \u00e9pargne \u00e0 la retraite et comment l\u2019assurance peut-elle l\u2019att\u00e9nuer\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionj7yat6xf\" role=\"region\" aria-labelledby=\"accordion-titlej7yat6xf\"><div class=\"collapse-inner\">\n<p>L\u2019un des plus grands soucis \u00e0 la retraite est d\u2019\u00e9puiser votre \u00e9pargne avant votre d\u00e9c\u00e8s. Les produits d\u2019assurance, comme les rentes imm\u00e9diates, peuvent procurer un revenu garanti \u00e0 vie, ce qui aide \u00e0 r\u00e9duire ce risque. Ils peuvent \u00eatre utilis\u00e9s parall\u00e8lement \u00e0 d\u2019autres sources de revenu de retraite, comme une rente de retraite ou un r\u00e9gime d\u2019\u00e9pargne enregistr\u00e9, pour assurer une plus grande stabilit\u00e9 financi\u00e8re.<\/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-title67nwkuoi\" class=\"collapse-toggle collapsed\" data-target=\"#accordion67nwkuoi\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-22041-67nwkuoi\" aria-controls=\"accordion67nwkuoi\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Je ne suis pas admissible \u00e0 une assurance vie. Ai-je le droit d\u2019avoir des fonds distincts ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Je ne suis pas admissible \u00e0 une assurance vie. Ai-je le droit d\u2019avoir des fonds distincts ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion67nwkuoi\" role=\"region\" aria-labelledby=\"accordion-title67nwkuoi\"><div class=\"collapse-inner\">\n<p>Oui. Les fonds distincts sont en r\u00e9alit\u00e9 des solutions de placement id\u00e9ales pour les personnes qui ne sont pas admissibles \u00e0 l\u2019assurance vie. En effet, ils offrent des garanties du capital-d\u00e9c\u00e8s pour vous assurer que vos b\u00e9n\u00e9ficiaires recevront un pourcentage garanti de votre placement initial (mois les retraits effectu\u00e9s et les frais) \u00e0 votre d\u00e9c\u00e8s. Aucun examen m\u00e9dical et aucune \u00e9valuation du risque n\u2019est n\u00e9cessaire.<\/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-titlem1z6ig7d\" class=\"collapse-toggle collapsed\" data-target=\"#accordionm1z6ig7d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-22041-m1z6ig7d\" aria-controls=\"accordionm1z6ig7d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quels sont les avantages d\u2019investir dans une solution de portefeuille ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quels sont les avantages d\u2019investir dans une solution de portefeuille ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionm1z6ig7d\" role=\"region\" aria-labelledby=\"accordion-titlem1z6ig7d\"><div class=\"collapse-inner\">\n<p>Les solutions de portefeuille, comme les portefeuilles de placement garanti (PPG) s\u00e9lect RBC , sont con\u00e7ues pour vous offrir la bonne composition d\u2019actifs compte tenu de votre tol\u00e9rance au risque et de vos objectifs de placement. Chaque PPG s\u00e9lect RBC fait l\u2019objet d\u2019une surveillance et d\u2019un r\u00e9\u00e9quilibrage constants de la part de RBC Gestion mondiale d\u2019actifs pour veiller \u00e0 ce que vos placements gardent le cap.<\/p>\n\n\n\n<p>Il y a quatre PPG s\u00e9lect RBC. \u2014 Par cons\u00e9quent, que vous soyez un investisseur prudent ou davantage ax\u00e9 sur la croissance, vous \u00eates certain de trouver un portefeuille qui convient \u00e0 vos besoins.<\/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-titleqd3reib8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqd3reib8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-22041-qd3reib8\" aria-controls=\"accordionqd3reib8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Pourquoi l\u2019assurance maladies graves pourrait-elle rester importante \u00e0 l\u2019approche de la retraite\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Pourquoi l\u2019assurance maladies graves pourrait-elle rester importante \u00e0 l\u2019approche de la retraite\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqd3reib8\" role=\"region\" aria-labelledby=\"accordion-titleqd3reib8\"><div class=\"collapse-inner\">\n<p>Plus les gens vieillissent, plus la probabilit\u00e9 de souffrir d\u2019une maladie grave augmente. L\u2019assurance maladies graves peut vous procurer une somme forfaitaire qui vous aidera \u00e0 couvrir les frais que le gouvernement ou votre employeur ne couvrent peut-\u00eatre pas, comme les frais m\u00e9dicaux, ou vous fournir un compl\u00e9ment de revenu si vous avez besoin de temps pour vous r\u00e9tablir.<\/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-titleyxmfhh7h\" class=\"collapse-toggle collapsed\" data-target=\"#accordionyxmfhh7h\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-22041-yxmfhh7h\" aria-controls=\"accordionyxmfhh7h\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"En quoi l\u2019assurance maladies graves diff\u00e8re-t-elle de l\u2019assurance invalidit\u00e9\u00a0?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>En quoi l\u2019assurance maladies graves diff\u00e8re-t-elle de l\u2019assurance invalidit\u00e9\u00a0?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionyxmfhh7h\" role=\"region\" aria-labelledby=\"accordion-titleyxmfhh7h\"><div class=\"collapse-inner\">\n<p>L\u2019assurance maladies graves verse une somme forfaitaire si vous recevez le diagnostic d\u2019une maladie couverte, tandis que l\u2019assurance invalidit\u00e9 vous procure un revenu de remplacement si vous ne pouvez pas travailler en raison d\u2019une maladie ou d\u2019une blessure.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/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-trouvez-une-assurance-pour-tous-vos-besoins\">Trouvez une assurance pour tous vos besoins<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">La stabilit\u00e9 \u00e0 la retraite commence par la planification d\u00e8s aujourd\u2019hui. Une protection ad\u00e9quate peut vous procurer la tranquillit\u00e9 d\u2019esprit dans les ann\u00e9es \u00e0 venir.<\/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  get-your-free-quote 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\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html\" data-dig-id=\"LP-22041-8e389ef1\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifier un appel-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-particuliers\/nous-joindre\/index.html \">Planifier un appel<\/a><\/div>\n<\/div><\/div>\n<\/div>\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\" 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<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-22041-12e51c29\" 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>Canada.ca, Planifiez pour \u00e9pargner en vue de la retraite.<\/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>Sondage sur les maladies graves effectu\u00e9 en 2006 par La Munich, Compagnie de R\u00e9assurance.<\/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>Le cancer est d\u00e9fini comme le diagnostic d\u00e9finitif d\u2019une tumeur qui doit \u00eatre caract\u00e9ris\u00e9e par la prolif\u00e9ration anarchique de cellules malignes et l\u2019invasion des tissus. Les types de cancer comprennent le carcinome, le m\u00e9lanome, la leuc\u00e9mie, le lymphome et le sarcome. Le diagnostic de cancer doit \u00eatre pos\u00e9 par un sp\u00e9cialiste. Les formes de cancer suivantes sont exclues : L\u00e9sions qualifi\u00e9es de b\u00e9nignes, de pr\u00e9canc\u00e9reuses, d\u2019incertaines, de limites (\u00ab borderline \u00bb) ou de non invasives, carcinome in situ (Tis) ou tumeurs au stade Ta ; cancer de la peau avec pr\u00e9sence de m\u00e9lanome malin dont l\u2019\u00e9paisseur est inf\u00e9rieure ou \u00e9gale \u00e0 1 mm, \u00e0 moins d\u2019\u00eatre ulc\u00e9r\u00e9 ou accompagn\u00e9 de n\u0153uds lympho\u00efdes ou de m\u00e9tastases ; tout cancer de la peau sans pr\u00e9sence de m\u00e9lanome, sans n\u0153uds lympho\u00efdes ni m\u00e9tastases ; cancer de la prostate au stade T1a ou T1b, sans n\u0153uds lympho\u00efdes ni m\u00e9tastases ; cancer de la thyro\u00efde papillaire ou cancer de la thyro\u00efde folliculaire, ou les deux, dont le plus grand diam\u00e8tre tumoral est inf\u00e9rieur ou \u00e9gal \u00e0 2 cm et qui est au stade T1, sans n\u0153uds lympho\u00efdes ni m\u00e9tastases ; leuc\u00e9mie lympho\u00efde chronique \u00e0 un stade inf\u00e9rieur au stade 1 selon la classification de Rai ; ou tumeurs stromales gastro-intestinales malignes et tumeurs carcino\u00efdes malignes \u00e0 un stade inf\u00e9rieur au stade 2 selon la classification de l\u2019AJCC.<\/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 versement des prestations est assujetti \u00e0 certaines conditions. Tous les d\u00e9tails se trouvent dans la police d\u2019assurance.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Comment l\u2019assurance vous prot\u00e8ge-t-elle pendant la retraite&nbsp;? \u00c0 la retraite, votre revenu est peut-\u00eatre pr\u00e9visible, mais la vie ne l\u2019est pas. Planifiez en cas de maladies, de frais impr\u00e9vus et de l\u2019instabilit\u00e9 financi\u00e8re avec une assurance adapt\u00e9e \u00e0 votre mode de vie. Trois fa\u00e7ons de favoriser la stabilit\u00e9 \u00e0 la retraite<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":22033,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-22041","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 pour retrait\u00e9s et a\u00een\u00e9s | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Planifiez une retraite sans stress gr\u00e2ce aux solutions d\u2019assurance pour a\u00een\u00e9s et pr\u00e9retrait\u00e9s. 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