{"id":31286,"date":"2025-05-26T13:36:59","date_gmt":"2025-05-26T11:36:59","guid":{"rendered":"https:\/\/novassurance.ch\/?p=31286"},"modified":"2025-05-26T13:37:02","modified_gmt":"2025-05-26T11:37:02","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":"<p class=\"has-text-color has-link-color wp-elements-09324c7d594564c8ba99cd6367b8562b\" style=\"color:#022d46\">L\u2019assurance vie est souvent per\u00e7ue comme un produit financier r\u00e9serv\u00e9 aux personnes proches de la retraite. <\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-066160332c8f863f0deec3a08f486b2e\" style=\"color:#022d46\">Pourtant, elle peut s\u2019adapter \u00e0 diff\u00e9rents profils et objectifs, \u00e0 condition de bien la comprendre. En Suisse, il existe plusieurs types d\u2019assurance vie, avec des sp\u00e9cificit\u00e9s importantes selon l\u2019\u00e2ge, la situation personnelle et les projets \u00e0 court ou long terme.\u00a0<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-9bf8cc3855768a8be7d3a22739ccbe47\" style=\"color:#022d46\">Alors, <strong>comment choisir son assurance vie<\/strong> en fonction de son profil ? Voici les points essentiels \u00e0 prendre en compte.&nbsp;<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-300a2ca95c1061b7011679a0b9392ec7\" style=\"color:#022d46\"><strong>1. \u00c0 25-35 ans : poser les bases de la pr\u00e9voyance<\/strong>\u00a0<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-87468842644af6d0ec669c7c1f810f43\" style=\"color:#022d46\">\u00c0 ce stade, on commence \u00e0 se constituer une stabilit\u00e9 financi\u00e8re. Que l\u2019on d\u00e9bute dans la vie active, qu\u2019on s\u2019installe en couple ou qu\u2019on commence \u00e0 \u00e9pargner, <\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-310ab242448744609f096f39fbcfec86\" style=\"color:#022d46\">c\u2019est une p\u00e9riode id\u00e9ale pour mettre en place des solutions \u00e0 long terme.\u00a0<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-1321631ad4ef827941dd3ebaa52a8c13\" style=\"color:#022d46\">L\u2019assurance vie peut servir ici \u00e0 constituer un capital, tout en b\u00e9n\u00e9ficiant d\u2019un cadre fiscal avantageux. C\u2019est aussi le bon moment pour inclure une couverture en cas d\u2019incapacit\u00e9 de gain, souvent \u00e0 un tarif plus avantageux \u00e0 cet \u00e2ge.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-fbe53ea9d03d10e17abb342f6dcf53ee\" style=\"color:#022d46\"><strong>Notre conseil :<\/strong> privil\u00e9giez une assurance vie mixte (\u00e9pargne + pr\u00e9voyance), avec une grande souplesse dans les versements. Vous construisez votre s\u00e9curit\u00e9 sans vous restreindre.&nbsp;<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-dae462c2e1819a9c7617b349d39797ac\" style=\"color:#022d46\"><strong>2. \u00c0 35-50 ans : prot\u00e9ger sa famille et anticiper l\u2019avenir<\/strong>\u00a0<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-46522e30458f653cc4d27c4322d065d2\" style=\"color:#022d46\">Cette tranche d\u2019\u00e2ge est souvent marqu\u00e9e par des engagements : enfants, achat immobilier, responsabilit\u00e9s professionnelles\u2026 Le besoin de s\u00e9curit\u00e9 financi\u00e8re pour les proches devient une priorit\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-9abe65b348a42c3a3d3493fc1844ac54\" style=\"color:#022d46\">Elle doit alors couvrir deux volets :\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-12a392fb6ad90aec8f7602fa302a9750\" style=\"color:#022d46\">Une garantie d\u00e9c\u00e8s solide, pour prot\u00e9ger le conjoint et les enfants\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-c76ca5f0fad51ee0f42b1ea1ff6ca186\" style=\"color:#022d46\">Une \u00e9pargne en vue de futurs projets (\u00e9tudes des enfants, second pilier compl\u00e9mentaire, etc.)\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-0a2ec9c88ccb0d427e0985a71d535e56\" style=\"color:#022d46\"><strong>Notre conseil : <\/strong>analysez vos charges mensuelles et vos cr\u00e9dits en cours pour d\u00e9terminer le capital garanti n\u00e9cessaire. C\u2019est aussi un bon moment pour int\u00e9grer l\u2019assurance vie dans une planification successorale, surtout si vous \u00eates ind\u00e9pendant.&nbsp;<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-bd8d520f16ce4d6923c95b40583ce79e\" style=\"color:#022d46\"><strong>3. \u00c0 50-65 ans : pr\u00e9parer la retraite et optimiser sa transmission<\/strong>\u00a0<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-be4889ad65d1d99b924247827ef3d5a9\" style=\"color:#022d46\">\u00c0 l\u2019approche de la retraite, l\u2019assurance vie devient un outil de compl\u00e9ment de revenu et de transmission de patrimoine.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-ec3c865b461bb6c8ad39ab23cdca4089\" style=\"color:#022d46\"> Il est encore temps d\u2019optimiser la fiscalit\u00e9 de votre capital.\u00a0<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-f2ae9974f7f7a74045116da7ed423ddd\" style=\"color:#022d46\">Une assurance vie peut \u00e9galement permettre de d\u00e9signer librement des b\u00e9n\u00e9ficiaires (pilier 3b), en dehors de la r\u00e9serve l\u00e9gale successorale, ce qui est particuli\u00e8rement utile en cas de famille recompos\u00e9e ou de patrimoine immobilier \u00e0 r\u00e9partir.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-45cd7ba9e835bd5e935cbb2a5afdbb0a\" style=\"color:#022d46\"><strong>Notre conseil : <\/strong>privil\u00e9giez une solution flexible, avec une sortie en capital possible, et anticipez les cons\u00e9quences fiscales sur vos b\u00e9n\u00e9ficiaires selon le canton de r\u00e9sidence.&nbsp;<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-96d1219f60f019f4752691ff0e4854c8\" style=\"color:#022d46\"><strong>4. Assurance vie et projets de vie : adapter la solution \u00e0 votre r\u00e9alit\u00e9<\/strong>\u00a0<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-b591b05a22219ac64e10b89fe099b439\" style=\"color:#022d46\">Le choix de l\u2019assurance vie ne d\u00e9pend pas uniquement de l\u2019\u00e2ge. Il doit aussi tenir compte de :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-b4ffad9fa2addd5dddb1ed4effdbbf56\" style=\"color:#022d46\">Votre situation familiale (c\u00e9libataire, couple, avec enfants)\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-b02ca93721dc0e23a04ea36e82e82264\" style=\"color:#022d46\">Votre statut professionnel (salari\u00e9, ind\u00e9pendant)\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-5c3b1d0292df277303e24039ccc62870\" style=\"color:#022d46\">Vos objectifs (s\u00e9curit\u00e9, transmission, d\u00e9fiscalisation, investissement\u2026)\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-a32bf1e4a71b3f8c4542af368efa0c38\" style=\"color:#022d46\">Chaque projet appelle une solution adapt\u00e9e : assurance en cas de d\u00e9c\u00e8s, assurance mixte, contrat li\u00e9 \u00e0 un fonds d\u2019investissement, ou encore assurance temporaire \u00e0 capital d\u00e9croissant pour couvrir un pr\u00eat hypoth\u00e9caire.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-37abbd05e023baaca2036ba29a1e6f97\" style=\"color:#022d46\"><strong>Notre conseil :<\/strong> ne partez pas d\u2019un produit. Partez de vos besoins concrets. L\u2019assurance vie doit \u00eatre un outil au service de votre projet de vie, pas un simple contrat \u00e0 signer.&nbsp;<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-1a2d06af4b5785180916e938157578b0\" style=\"color:#022d46\"><strong>L\u2019accompagnement, la cl\u00e9 d\u2019un bon choix !<\/strong>\u00a0<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-c75c8ac1a9d40a586dd4c8ad316b0305\" style=\"color:#022d46\">Choisir une assurance vie, c\u2019est plus que comparer des taux ou des primes. C\u2019est une d\u00e9marche qui engage sur le long terme et qui m\u00e9rite une \u00e9coute personnalis\u00e9e.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#022d46\">Chez <a href=\"https:\/\/novassurance.ch\/en\/\">Novassurance,<\/a> nous vous accompagnons \u00e0 chaque \u00e9tape, avec des conseils clairs, des comparatifs transparents, et une approche humaine, adapt\u00e9e \u00e0 votre r\u00e9alit\u00e9.\u00a0<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-2f8cdd3faa85b39e60749c939e089b50\" style=\"color:#022d46\">Vous souhaitez en discuter ?\u00a0<br><a href=\"https:\/\/novassurance.ch\/en\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contactez<\/a> L\u2019un de nos conseillers pour un rendez-vous gratuit, en pr\u00e9sentiel ou \u00e0 distance.\u00a0<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#022d46\">\ud83d\udce9<a href=\"\/en\/info@novassurance.ch\/\"> info@novassurance.ch\u00a0<\/a><br>\ud83d\udccd Gen\u00e8ve \u2013 Valais\u00a0<br>\ud83c\udf10 <a href=\"https:\/\/novassurance.ch\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.novassurance.ch<\/a>\u00a0<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance vie est souvent per\u00e7ue comme un produit financier r\u00e9serv\u00e9 aux personnes proches de la retraite. Pourtant, elle peut s\u2019adapter \u00e0 diff\u00e9rents profils et objectifs, \u00e0 condition de bien la comprendre. En Suisse, il existe plusieurs types d\u2019assurance vie, avec des sp\u00e9cificit\u00e9s importantes selon l\u2019\u00e2ge, la situation personnelle et les projets \u00e0 court ou long [&hellip;]<\/p>","protected":false},"author":4,"featured_media":31289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"rttpg_featured_image_url":{"full":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-scaled.jpg",2560,1708,false],"landscape":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-scaled.jpg",2560,1708,false],"portraits":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-scaled.jpg",2560,1708,false],"thumbnail":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-150x150.jpg",150,150,true],"medium":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-300x200.jpg",300,200,true],"large":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-1536x1025.jpg",1536,1025,true],"2048x2048":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-2048x1367.jpg",2048,1367,true],"trp-custom-language-flag":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/close-up-doctor-with-stethoscope-18x12.jpg",18,12,true]},"rttpg_author":{"display_name":"Awa","author_link":"https:\/\/novassurance.ch\/en\/author\/awa\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/novassurance.ch\/en\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a>","rttpg_excerpt":"L\u2019assurance vie est souvent per\u00e7ue comme un produit financier r\u00e9serv\u00e9 aux personnes proches de la retraite. Pourtant, elle peut s\u2019adapter \u00e0 diff\u00e9rents profils et objectifs, \u00e0 condition de bien la comprendre. En Suisse, il existe plusieurs types d\u2019assurance vie, avec des sp\u00e9cificit\u00e9s importantes selon l\u2019\u00e2ge, la situation personnelle et les projets \u00e0 court ou long&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":3,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31286\/revisions"}],"predecessor-version":[{"id":31292,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31286\/revisions\/31292"}],"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}]}}