{"id":31286,"date":"2025-05-26T13:36:59","date_gmt":"2025-05-26T11:36:59","guid":{"rendered":"https:\/\/novassurance.ch\/?p=31286"},"modified":"2026-09-01T12:13:10","modified_gmt":"2026-09-01T10:13:10","slug":"assurance-vie-selon-age-projets","status":"publish","type":"post","link":"https:\/\/novassurance.ch\/en\/assurance-vie-selon-age-projets\/","title":{"rendered":"Comment choisir son assurance vie selon son \u00e2ge et ses projets ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"31286\" class=\"elementor elementor-31286\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6d7982 e-flex e-con-boxed e-con e-parent\" data-id=\"4b6d7982\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd28fa0 elementor-widget elementor-widget-text-editor\" data-id=\"3bd28fa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"color:#5A6672;font-size:0.9em;margin:0 0 6px;\">Derni\u00e8re mise \u00e0 jour : septembre 2026<\/p>\n\n<p>L&rsquo;assurance vie sert \u00e0 prot\u00e9ger vos proches et \u00e0 construire un capital \u2014 mais la bonne formule n&rsquo;est pas la m\u00eame \u00e0 30 ans qu&rsquo;\u00e0 55 ans. Le choix d\u00e9pend de votre \u00e2ge, de votre situation familiale et de vos projets. Voici comment y voir clair, \u00e9tape par \u00e9tape.<\/p>\n\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:18px 22px;margin:24px 0;border-radius:0 6px 6px 0;\">\n<p style=\"margin:0 0 10px;font-size:1.05em;\"><strong>L&rsquo;essentiel \u00e0 retenir<\/strong><\/p>\n<ul style=\"margin:0;padding-left:20px;line-height:1.7;\">\n<li>Une assurance vie combine <strong>protection<\/strong> (d\u00e9c\u00e8s, incapacit\u00e9 de gain) et souvent <strong>\u00e9pargne<\/strong>.<\/li>\n<li>Le <strong>3e pilier li\u00e9 (3a)<\/strong> est d\u00e9ductible des imp\u00f4ts ; le <strong>3b libre<\/strong> laisse le libre choix des b\u00e9n\u00e9ficiaires.<\/li>\n<li>Plafond <strong>3a 2026<\/strong> : <strong>7 258 CHF<\/strong> avec caisse de pension, ou 20 % du revenu (max 36 288 CHF) sans caisse.<\/li>\n<li>Plus on commence <strong>t\u00f4t<\/strong>, plus les tarifs et l&rsquo;avantage fiscal sont favorables.<\/li>\n<li>Le bon choix se fait selon l&rsquo;\u00e2ge <strong>et<\/strong> les projets (famille, logement, transmission).<\/li>\n<\/ul>\n<\/div>\n\n<h2>Entre 25 et 35 ans : poser les bases de sa pr\u00e9voyance<\/h2>\n<p><strong>C&rsquo;est la p\u00e9riode id\u00e9ale pour commencer : les primes sont basses et l&rsquo;avantage fiscal joue longtemps.<\/strong> Un <a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\">3e pilier 3a<\/a> permet de r\u00e9duire vos imp\u00f4ts chaque ann\u00e9e tout en construisant un capital. Une assurance vie mixte (\u00e9pargne + couverture) offre \u00e0 ce stade une bonne souplesse.<\/p>\n<p style=\"background:#F5F3EE;border-left:3px solid #C6A15C;padding:10px 16px;margin:16px 0;font-style:italic;\"><strong>En bref :<\/strong> commencer t\u00f4t maximise l&rsquo;avantage fiscal et bloque des primes basses.<\/p>\n\n<h2>Entre 35 et 50 ans : prot\u00e9ger sa famille<\/h2>\n<p><strong>\u00c0 cet \u00e2ge, la priorit\u00e9 est de couvrir vos proches en cas de d\u00e9c\u00e8s ou d&rsquo;incapacit\u00e9, surtout si vous avez des enfants ou un cr\u00e9dit hypoth\u00e9caire.<\/strong> Une garantie d\u00e9c\u00e8s permet de rembourser un pr\u00eat ou de maintenir le niveau de vie de la famille. On calcule le capital n\u00e9cessaire \u00e0 partir de vos charges, cr\u00e9dits et revenus.<\/p>\n<p style=\"background:#F5F3EE;border-left:3px solid #C6A15C;padding:10px 16px;margin:16px 0;font-style:italic;\"><strong>En bref :<\/strong> la garantie d\u00e9c\u00e8s prot\u00e8ge la famille et s\u00e9curise les cr\u00e9dits en cours.<\/p>\n\n<h2>Entre 50 et 65 ans : pr\u00e9parer la retraite et la transmission<\/h2>\n<p><strong>L&rsquo;assurance vie devient un outil de compl\u00e9ment de revenu et de transmission.<\/strong> Le 3e pilier peut compl\u00e9ter votre <a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\">2e pilier (LPP)<\/a>, et le 3b permet de d\u00e9signer librement vos b\u00e9n\u00e9ficiaires. C&rsquo;est le bon moment pour estimer votre lacune de pr\u00e9voyance et l&rsquo;\u00e9conomie d&rsquo;imp\u00f4t possible avec notre <a href=\"https:\/\/novassurance.ch\/en\/simulateur-3e-pilier\/\">simulateur 3e pilier<\/a>.<\/p>\n<p style=\"background:#F5F3EE;border-left:3px solid #C6A15C;padding:10px 16px;margin:16px 0;font-style:italic;\"><strong>En bref :<\/strong> \u00e0 l&rsquo;approche de la retraite, l&rsquo;assurance vie compl\u00e8te le revenu et organise la transmission.<\/p>\n\n<h2>Assurance vie li\u00e9e (3a) ou libre (3b) : quelle diff\u00e9rence ?<\/h2>\n<p><strong>Le 3a est fiscalement d\u00e9ductible mais encadr\u00e9 ; le 3b est libre mais sans d\u00e9duction ordinaire.<\/strong> Avec le <strong>3a<\/strong>, vos versements sont d\u00e9ductibles du revenu imposable (jusqu&rsquo;\u00e0 7 258 CHF en 2026 avec caisse de pension), mais le capital et les b\u00e9n\u00e9ficiaires suivent des r\u00e8gles pr\u00e9cises. Le <strong>3b<\/strong>, lui, offre une totale libert\u00e9 de b\u00e9n\u00e9ficiaires et de retrait, sans l&rsquo;avantage fiscal annuel du 3a. Pour le cadre officiel du <a href=\"https:\/\/www.bsv.admin.ch\/fr\/le-troisieme-pilier\" target=\"_blank\" rel=\"noopener\">3e pilier suisse<\/a>, l&rsquo;OFAS fait r\u00e9f\u00e9rence.<\/p>\n<p style=\"background:#F5F3EE;border-left:3px solid #C6A15C;padding:10px 16px;margin:16px 0;font-style:italic;\"><strong>En bref :<\/strong> 3a = avantage fiscal encadr\u00e9 ; 3b = libert\u00e9 sans d\u00e9duction ordinaire.<\/p>\n\n<h2>Au-del\u00e0 de l&rsquo;\u00e2ge : adapter l&rsquo;assurance vie \u00e0 ses projets<\/h2>\n<p><strong>L&rsquo;\u00e2ge donne une direction, mais votre situation pr\u00e9cise affine le choix.<\/strong> Statut (salari\u00e9, ind\u00e9pendant, frontalier), situation familiale et objectifs (s\u00e9curit\u00e9, transmission, d\u00e9fiscalisation) d\u00e9terminent le type de contrat : assurance d\u00e9c\u00e8s pure, contrat mixte, ou capital d\u00e9c\u00e8s d\u00e9croissant adoss\u00e9 \u00e0 un cr\u00e9dit. Les <strong>ind\u00e9pendants<\/strong> ont int\u00e9r\u00eat \u00e0 coordonner pr\u00e9voyance et fiscalit\u00e9 : la fiduciaire du groupe, <a href=\"https:\/\/novagestion.ch\" target=\"_blank\" rel=\"noopener\">Nova Gestion<\/a>, optimise la partie comptable et fiscale. Nous pr\u00e9sentons chaque option avec ses avantages <em>et<\/em> ses limites, sans promesse de rendement.<\/p>\n<p style=\"background:#F5F3EE;border-left:3px solid #C6A15C;padding:10px 16px;margin:16px 0;font-style:italic;\"><strong>En bref :<\/strong> le contrat se choisit selon le statut, la famille et l&rsquo;objectif, pas seulement l&rsquo;\u00e2ge.<\/p>\n\n<h2>Questions fr\u00e9quentes sur l&rsquo;assurance vie<\/h2>\n\n<h3>Assurance vie 3a ou 3b : laquelle choisir ?<\/h3>\n<p><strong>Le 3a si votre priorit\u00e9 est de r\u00e9duire vos imp\u00f4ts, le 3b si vous voulez de la souplesse (b\u00e9n\u00e9ficiaires, retrait).<\/strong> Beaucoup combinent les deux. Le bon dosage d\u00e9pend de votre revenu, de votre horizon et de vos projets.<\/p>\n\n<h3>Combien puis-je verser sur un 3e pilier 3a en 2026 ?<\/h3>\n<p><strong>En 2026, jusqu&rsquo;\u00e0 7 258 CHF si vous \u00eates affili\u00e9 \u00e0 une caisse de pension, ou 20 % de votre revenu (max 36 288 CHF) sans caisse de pension.<\/strong> Ce sont les <a href=\"https:\/\/www.admin.ch\/fr\/newnsb\/xgRMirCsezICX4rtof9Lm\" target=\"_blank\" rel=\"noopener\">d\u00e9ductions maximales officielles du pilier 3a pour 2026<\/a>, d\u00e9ductibles de votre revenu imposable.<\/p>\n\n<h3>Une assurance vie mixte est-elle un bon placement ?<\/h3>\n<p><strong>Elle combine protection et \u00e9pargne, mais son rendement et ses frais doivent \u00eatre compar\u00e9s \u00e0 d&rsquo;autres solutions.<\/strong> Ce n&rsquo;est pas un placement \u00e0 maximiser le rendement, mais un outil de pr\u00e9voyance s\u00e9curis\u00e9. Un conseil neutre permet d&rsquo;arbitrer objectivement.<\/p>\n\n<div style=\"background:#1E1E1E;padding:26px 24px;border-radius:6px;text-align:center;margin:28px 0;\">\n<p style=\"color:#F5F3EE;font-size:1.08em;line-height:1.6;margin:0 0 18px;\">Vous vous demandez quelle assurance vie correspond \u00e0 votre \u00e2ge et \u00e0 vos projets ? Les courtiers de NovAssurance comparent les solutions du march\u00e9 et b\u00e2tissent la v\u00f4tre, sans promesse ni pression.<\/p>\n<a href=\"https:\/\/novassurance.ch\/en\/contact\/\" style=\"display:inline-block;background:#C6A15C;color:#1E1E1E;font-weight:bold;text-decoration:none;padding:13px 32px;border-radius:4px;\">Demander un bilan gratuit et sans engagement<\/a>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Derni\u00e8re mise \u00e0 jour : septembre 2026 L&rsquo;assurance vie sert \u00e0 prot\u00e9ger vos proches et \u00e0 construire un capital \u2014 mais la bonne formule n&rsquo;est pas la m\u00eame \u00e0 30 ans qu&rsquo;\u00e0 55 ans. Le choix d\u00e9pend de votre \u00e2ge, de votre situation familiale et de vos projets. Voici comment y voir clair, \u00e9tape par [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":31289,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Assurance vie Suisse : choisir selon son \u00e2ge | NovAssurance","_seopress_titles_desc":"Assurance vie en Suisse : quelle solution selon votre \u00e2ge et vos projets ? 3a ou 3b, d\u00e9c\u00e8s ou mixte : nos conseils pour bien choisir.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_eb_attr":"","om_disable_all_campaigns":false,"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"normal-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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href=\"https:\/\/novassurance.ch\/en\/category\/prevoyance\/\" rel=\"category tag\">Pr\u00e9voyance<\/a>","rttpg_excerpt":"Derni\u00e8re mise \u00e0 jour : septembre 2026 L&rsquo;assurance vie sert \u00e0 prot\u00e9ger vos proches et \u00e0 construire un capital \u2014 mais la bonne formule n&rsquo;est pas la m\u00eame \u00e0 30 ans qu&rsquo;\u00e0 55 ans. Le choix d\u00e9pend de votre \u00e2ge, de votre situation familiale et de vos projets. Voici comment y voir clair, \u00e9tape par&hellip;","_links":{"self":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/comments?post=31286"}],"version-history":[{"count":21,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31286\/revisions"}],"predecessor-version":[{"id":32596,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31286\/revisions\/32596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media\/31289"}],"wp:attachment":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media?parent=31286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/categories?post=31286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/tags?post=31286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}