{"id":21329,"date":"2026-03-19T21:41:18","date_gmt":"2026-03-19T20:41:18","guid":{"rendered":"https:\/\/assuranceviecanada.ca\/?page_id=21329"},"modified":"2026-03-20T21:34:28","modified_gmt":"2026-03-20T20:34:28","slug":"assurance-vie-s-examen","status":"publish","type":"page","link":"https:\/\/assuranceviecanada.ca\/en\/assurance-vie-s-examen\/","title":{"rendered":"Life insurance without medical exam"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"21329\" class=\"elementor elementor-21329\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4c3d89 e-flex e-con-boxed e-con e-parent\" data-id=\"c4c3d89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-12ea69a e-con-full e-flex e-con e-child\" data-id=\"12ea69a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3d0a04 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f3d0a04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance vie canada<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f467e1a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f467e1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pensez-vous \u00eatre inassurable ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-820bfcf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"820bfcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"6d0a3a00-6123-45b4-927b-e941e22e475e\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"63\" data-end=\"237\" data-is-last-node=\"\" data-is-only-node=\"\">Vous avez des difficult\u00e9s \u00e0 obtenir une assurance vie en raison de votre \u00e2ge ou de votre \u00e9tat de sant\u00e9 ? Avez-vous d\u00e9j\u00e0 essuy\u00e9 un refus ?<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\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<div class=\"elementor-element elementor-element-1eaa8f0 e-flex e-con-boxed e-con e-parent\" data-id=\"1eaa8f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-90f02c4 e-con-full e-flex e-con e-child\" data-id=\"90f02c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d3bfa2 elementor-widget elementor-widget-shortcode\" data-id=\"7d3bfa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2928-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"2928\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/21329#wpcf7-f2928-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2928\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2928-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> Votre nom<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Votre e-mail<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Votre num\u00e9ro de t\u00e9lephone<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-202\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"tel-202\" \/><\/span> <\/label>\n<\/p>\n<p><label> Les types d'assurance :<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-324\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"select-324\"><option value=\"Besoin d\u2019assurance vie temporaire\">Besoin d\u2019assurance vie temporaire<\/option><option value=\"besoin d\u2019une assurance vie permanente\">besoin d\u2019une assurance vie permanente<\/option><option value=\"besoin d\u2019une assurance participative (avec investissement)\">besoin d\u2019une assurance participative (avec investissement)<\/option><option value=\"besoin d&#039;une assurance hypoth\u00e9caire\">besoin d&#039;une assurance hypoth\u00e9caire<\/option><option value=\"Autres type d\u2019assurance\">Autres type d\u2019assurance<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Autres d\u00e9tails (facultatif)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-257\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-257\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">En cliquant sur le bouton, J'accepte les <a href=\"https:\/\/assuranceviecanada.ca\/politique-de-confidencialite\/\" target=\"_blank\">termes et conditions<\/a>.<\/span><\/label><\/span><\/span><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Comparer les offres\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afed468 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"afed468\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-hand-point-left\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 220.8C0 266.416 37.765 304 83.2 304h35.647a93.148 93.148 0 0 0 7.929 22.064c-2.507 22.006 3.503 44.978 15.985 62.791C143.9 441.342 180.159 480 242.701 480H264c60.063 0 98.512-40 127.2-40h2.679c5.747 4.952 13.536 8 22.12 8h64c17.673 0 32-12.894 32-28.8V188.8c0-15.906-14.327-28.8-32-28.8h-64c-8.584 0-16.373 3.048-22.12 8H391.2c-6.964 0-14.862-6.193-30.183-23.668l-.129-.148-.131-.146c-8.856-9.937-18.116-20.841-25.851-33.253C316.202 80.537 304.514 32 259.2 32c-56.928 0-92 35.286-92 83.2 0 8.026.814 15.489 2.176 22.4H83.2C38.101 137.6 0 175.701 0 220.8zm48 0c0-18.7 16.775-35.2 35.2-35.2h158.4c0-17.325-26.4-35.2-26.4-70.4 0-26.4 20.625-35.2 44-35.2 8.794 0 20.445 32.712 34.926 56.1 9.074 14.575 19.524 27.225 30.799 39.875 16.109 18.374 33.836 36.633 59.075 39.596v176.752C341.21 396.087 309.491 432 264 432h-21.299c-40.524 0-57.124-22.197-50.601-61.325-14.612-8.001-24.151-33.979-12.925-53.625-19.365-18.225-17.787-46.381-4.95-61.05H83.2C64.225 256 48 239.775 48 220.8zM448 360c13.255 0 24 10.745 24 24s-10.745 24-24 24-24-10.745-24-24 10.745-24 24-24z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c7b74c elementor-hidden-desktop elementor-hidden-tablet elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8c7b74c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-hand-point-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M105.6 83.2v86.177a115.52 115.52 0 0 0-22.4-2.176c-47.914 0-83.2 35.072-83.2 92 0 45.314 48.537 57.002 78.784 75.707 12.413 7.735 23.317 16.994 33.253 25.851l.146.131.148.129C129.807 376.338 136 384.236 136 391.2v2.679c-4.952 5.747-8 13.536-8 22.12v64c0 17.673 12.894 32 28.8 32h230.4c15.906 0 28.8-14.327 28.8-32v-64c0-8.584-3.048-16.373-8-22.12V391.2c0-28.688 40-67.137 40-127.2v-21.299c0-62.542-38.658-98.8-91.145-99.94-17.813-12.482-40.785-18.491-62.791-15.985A93.148 93.148 0 0 0 272 118.847V83.2C272 37.765 234.416 0 188.8 0c-45.099 0-83.2 38.101-83.2 83.2zm118.4 0v91.026c14.669-12.837 42.825-14.415 61.05 4.95 19.646-11.227 45.624-1.687 53.625 12.925 39.128-6.524 61.325 10.076 61.325 50.6V264c0 45.491-35.913 77.21-39.676 120H183.571c-2.964-25.239-21.222-42.966-39.596-59.075-12.65-11.275-25.3-21.725-39.875-30.799C80.712 279.645 48 267.994 48 259.2c0-23.375 8.8-44 35.2-44 35.2 0 53.075 26.4 70.4 26.4V83.2c0-18.425 16.5-35.2 35.2-35.2 18.975 0 35.2 16.225 35.2 35.2zM352 424c13.255 0 24 10.745 24 24s-10.745 24-24 24-24-10.745-24-24 10.745-24 24-24z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a0188f elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5a0188f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13bdc0d e-con-full e-flex e-con e-child\" data-id=\"13bdc0d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-85d610b e-con-full e-flex e-con e-child\" data-id=\"85d610b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9b53cc5 e-con-full e-flex e-con e-child\" data-id=\"9b53cc5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-071965e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"071965e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M519.2 127.9l-47.6-47.6A56.252 56.252 0 0 0 432 64H205.2c-14.8 0-29.1 5.9-39.6 16.3L118 127.9H0v255.7h64c17.6 0 31.8-14.2 31.9-31.7h9.1l84.6 76.4c30.9 25.1 73.8 25.7 105.6 3.8 12.5 10.8 26 15.9 41.1 15.9 18.2 0 35.3-7.4 48.8-24 22.1 8.7 48.2 2.6 64-16.8l26.2-32.3c5.6-6.9 9.1-14.8 10.9-23h57.9c.1 17.5 14.4 31.7 31.9 31.7h64V127.9H519.2zM48 351.6c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16zm390-6.9l-26.1 32.2c-2.8 3.4-7.8 4-11.3 1.2l-23.9-19.4-30 36.5c-6 7.3-15 4.8-18 2.4l-36.8-31.5-15.6 19.2c-13.9 17.1-39.2 19.7-55.3 6.6l-97.3-88H96V175.8h41.9l61.7-61.6c2-.8 3.7-1.5 5.7-2.3H262l-38.7 35.5c-29.4 26.9-31.1 72.3-4.4 101.3 14.8 16.2 61.2 41.2 101.5 4.4l8.2-7.5 108.2 87.8c3.4 2.8 3.9 7.9 1.2 11.3zm106-40.8h-69.2c-2.3-2.8-4.9-5.4-7.7-7.7l-102.7-83.4 12.5-11.4c6.5-6 7-16.1 1-22.6L367 167.1c-6-6.5-16.1-6.9-22.6-1l-55.2 50.6c-9.5 8.7-25.7 9.4-34.6 0-9.3-9.9-8.5-25.1 1.2-33.9l65.6-60.1c7.4-6.8 17-10.5 27-10.5l83.7-.2c2.1 0 4.1.8 5.5 2.3l61.7 61.6H544v128zm48 47.7c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2abb6a8 elementor-widget elementor-widget-counter\" data-id=\"2abb6a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Assureurs<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"25\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a7ec61 e-con-full e-flex e-con e-child\" data-id=\"1a7ec61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b961cb5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b961cb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-list-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm-6 400H54a6 6 0 0 1-6-6V86a6 6 0 0 1 6-6h404a6 6 0 0 1 6 6v340a6 6 0 0 1-6 6zm-42-92v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm0-96v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm0-96v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm-252 12c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36zm0 96c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36zm0 96c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8355482 elementor-widget elementor-widget-counter\" data-id=\"8355482\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Soumission chaque ann\u00e9e<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"35000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7950c69 e-con-full e-flex e-con e-child\" data-id=\"7950c69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5337a33 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5337a33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-eye\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 144a110.94 110.94 0 0 0-31.24 5 55.4 55.4 0 0 1 7.24 27 56 56 0 0 1-56 56 55.4 55.4 0 0 1-27-7.24A111.71 111.71 0 1 0 288 144zm284.52 97.4C518.29 135.59 410.93 64 288 64S57.68 135.64 3.48 241.41a32.35 32.35 0 0 0 0 29.19C57.71 376.41 165.07 448 288 448s230.32-71.64 284.52-177.41a32.35 32.35 0 0 0 0-29.19zM288 400c-98.65 0-189.09-55-237.93-144C98.91 167 189.34 112 288 112s189.09 55 237.93 144C477.1 345 386.66 400 288 400z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3307448 elementor-widget elementor-widget-counter\" data-id=\"3307448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Visiteur chaque mois<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"80000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aabe648 e-flex e-con-boxed e-con e-parent\" data-id=\"aabe648\" 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-9f42d6f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9f42d6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance vie sans examen m\u00e9dical : Accessible \u00e0 tous !<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cdd539 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0cdd539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"59\" data-end=\"366\">Vous avez un probl\u00e8me de sant\u00e9 et pensez ne plus \u00eatre assurable? D\u00e9trompez-vous. Aujourd\u2019hui, il existe des solutions d\u2019assurance vie sans examen m\u00e9dical adapt\u00e9es \u00e0 votre situation. Peu importe votre \u00e9tat de sant\u00e9, vous pouvez obtenir une protection pour votre famille. Ces produits sont con\u00e7us pour offrir une acceptation simplifi\u00e9e et rapide. Aucune prise de sang ni test m\u00e9dical requis dans plusieurs cas. Vous prot\u00e9gez ainsi vos proches contre les impr\u00e9vus financiers. Il est important de noter que le co\u00fbt peut \u00eatre plus \u00e9lev\u00e9 selon votre profil. Cependant, avoir une protection vaut toujours mieux que ne pas \u00eatre assur\u00e9. Chaque situation est unique, et des options sur mesure existent pour vous.<\/p><p data-start=\"59\" data-end=\"366\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/assuranceviecanada.ca\/assurance-vie-s-examen\/\">Remplissez notre formulaire d\u00e8s maintenant<\/a><\/span> ou prenez rendez-vous pour d\u00e9couvrir la meilleure solution pour vous<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fef3e4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fef3e4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quel est le tarif d\u2019une assurance vie sans examen m\u00e9dical ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed0e1d8 elementor-widget elementor-widget-image\" data-id=\"ed0e1d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-593309604_medecin800.jpg\" class=\"attachment-large size-large wp-image-2474\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-593309604_medecin800.jpg 800w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-593309604_medecin800-300x169.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/iStock-593309604_medecin800-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44ce400 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"44ce400\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce qu\u2019une assurance vie sans examen m\u00e9dical ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c95232c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c95232c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"81\" data-end=\"389\">\u00c9galement appel\u00e9e <strong data-start=\"158\" data-end=\"195\">assurance vie \u00e0 adh\u00e9sion garantie<\/strong>, cette formule permet de souscrire une assurance vie <strong data-start=\"249\" data-end=\"295\">sans remplir de long questionnaire m\u00e9dical<\/strong>. L\u2019acceptation est automatique, et la protection d\u00e9bute d\u00e8s que l\u2019assureur re\u00e7oit la demande.<\/p><p data-start=\"391\" data-end=\"709\">Ce type d\u2019assurance s\u2019adresse principalement aux personnes qui rencontrent des obstacles \u00e0 l\u2019obtention d\u2019une assurance vie traditionnelle. Gr\u00e2ce \u00e0 sa <strong data-start=\"541\" data-end=\"565\">mise en place rapide<\/strong> et \u00e0 sa <strong data-start=\"574\" data-end=\"601\">prise d\u2019effet imm\u00e9diate<\/strong>, elle s\u00e9duit un nombre croissant de clients, notamment dans un contexte de vieillissement de la population.<\/p><p data-start=\"711\" data-end=\"1032\">Une \u00e9tude men\u00e9e en 2017 par Life Happens et LIMRA met en lumi\u00e8re un fait marquant : <strong data-start=\"795\" data-end=\"927\">seulement 30 % des r\u00e9pondants \u00e9taient \u00e0 l\u2019aise avec le partage de leurs informations m\u00e9dicales aupr\u00e8s des compagnies d\u2019assurance<\/strong>, tandis que <strong data-start=\"940\" data-end=\"1031\">70 % se disaient pr\u00eats \u00e0 souscrire une assurance vie si l\u2019examen m\u00e9dical \u00e9tait supprim\u00e9<\/strong>.<\/p><p data-start=\"1034\" data-end=\"1215\">Les formulaires m\u00e9dicaux d\u00e9taill\u00e9s exig\u00e9s par les assureurs traditionnels exposent les vuln\u00e9rabilit\u00e9s des individus, ce qui entra\u00eene souvent <strong data-start=\"1175\" data-end=\"1214\">une hausse significative des primes<\/strong>.<\/p><p data-start=\"1217\" data-end=\"1547\">Aujourd\u2019hui, les consommateurs sont mieux inform\u00e9s. Ils comparent les offres en ligne, recherchent <strong data-start=\"1316\" data-end=\"1344\">des solutions sur mesure<\/strong> et appr\u00e9cient les d\u00e9marches simplifi\u00e9es. Face \u00e0 cette \u00e9volution des attentes, le secteur de l\u2019assurance adapte ses produits pour mieux r\u00e9pondre aux besoins sp\u00e9cifiques de certains segments de client\u00e8le.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a6a7f7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"0a6a7f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les atouts de l\u2019assurance vie sans examen m\u00e9dical au Qu\u00e9bec<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-716a349 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"716a349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"73\" data-end=\"320\">L\u2019assurance vie sans examen m\u00e9dical repr\u00e9sente une solution pr\u00e9cieuse pour ceux qui ont longtemps \u00e9t\u00e9 exclus par un syst\u00e8me souvent favorable aux personnes jeunes et en bonne sant\u00e9.<\/p><p data-start=\"322\" data-end=\"393\">Voici les principaux avantages de l\u2019assurance vie \u00e0 adh\u00e9sion garantie :<\/p><ul data-start=\"395\" data-end=\"694\"><li data-start=\"395\" data-end=\"427\"><p data-start=\"397\" data-end=\"427\">Avantages clairement d\u00e9finis<\/p><\/li><li data-start=\"428\" data-end=\"472\"><p data-start=\"430\" data-end=\"472\">Couverture imm\u00e9diate d\u00e8s la souscription<\/p><\/li><li data-start=\"473\" data-end=\"505\"><p data-start=\"475\" data-end=\"505\">Primes fixes garanties \u00e0 vie<\/p><\/li><li data-start=\"506\" data-end=\"580\"><p data-start=\"508\" data-end=\"580\">Accessible jusqu\u2019\u00e0 l\u2019\u00e2ge de 70 ans aupr\u00e8s de la majorit\u00e9 des assureurs<\/p><\/li><li data-start=\"581\" data-end=\"621\"><p data-start=\"583\" data-end=\"621\">\u00c9mission rapide, souvent instantan\u00e9e<\/p><\/li><li data-start=\"622\" data-end=\"659\"><p data-start=\"624\" data-end=\"659\">D\u00e9marches de souscription simples<\/p><\/li><li data-start=\"660\" data-end=\"694\"><p data-start=\"662\" data-end=\"694\">Disponible en ligne facilement<\/p><\/li><\/ul><p data-start=\"696\" data-end=\"932\">Vous souhaitez savoir si cette option vous convient ? Remplissez le formulaire sur cette page. L\u2019un de nos partenaires \u2013 des courtiers d\u2019assurance exp\u00e9riment\u00e9s \u2013 vous contactera rapidement avec une proposition adapt\u00e9e \u00e0 votre situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-338411b elementor-widget elementor-widget-image\" data-id=\"338411b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"595\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-vie-sans-examen-medical-1-768x595-1.jpg\" class=\"attachment-large size-large wp-image-2481\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-vie-sans-examen-medical-1-768x595-1.jpg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-vie-sans-examen-medical-1-768x595-1-300x232.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-016d2b7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"016d2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance vie traditionnelle vs assurance vie sans examen m\u00e9dical : quelles diff\u00e9rences ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6c3782 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c6c3782\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"157\" data-end=\"278\">Au Qu\u00e9bec, la plupart des compagnies d\u2019assurance exigent g\u00e9n\u00e9ralement un examen m\u00e9dical pour souscrire une assurance vie.<\/p><p data-start=\"280\" data-end=\"440\">Cependant, lorsqu\u2019une personne est en bonne sant\u00e9 et ne pr\u00e9sente aucun ant\u00e9c\u00e9dent familial particulier, il est possible que l\u2019assureur renonce \u00e0 cette exigence.<\/p><p data-start=\"442\" data-end=\"648\">L\u2019assurance vie sans examen m\u00e9dical a \u00e9t\u00e9 con\u00e7ue pour les individus dont la sant\u00e9 est plus fragile ou incertaine, et qui souhaitent tout de m\u00eame obtenir une couverture, sans devoir passer de tests m\u00e9dicaux.<\/p><p data-start=\"650\" data-end=\"855\">Bien que son co\u00fbt soit g\u00e9n\u00e9ralement un peu plus \u00e9lev\u00e9 que celui d\u2019une assurance vie traditionnelle, elle repr\u00e9sente une solution int\u00e9ressante pour ceux qui ont des difficult\u00e9s \u00e0 se faire assurer autrement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58ef3f5 elementor-widget elementor-widget-image\" data-id=\"58ef3f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"700\" height=\"465\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-2.webp\" class=\"attachment-large size-large wp-image-2483\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-2.webp 700w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/image-2-300x199.webp 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bc31ca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3bc31ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 qui s\u2019adresse l\u2019assurance vie sans examen m\u00e9dical et quels sont ses tarifs ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61bb2e7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"61bb2e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"146\" data-end=\"470\">L\u2019assurance \u00e0 adh\u00e9sion garantie \u2014 aussi appel\u00e9e <strong data-start=\"194\" data-end=\"215\">assurance vie 50+<\/strong> chez Desjardins \u2014 gagne en visibilit\u00e9, notamment \u00e0 travers des publicit\u00e9s \u00e0 la radio, \u00e0 la t\u00e9l\u00e9vision, ou encore via des encarts plac\u00e9s dans les quartiers urbains. Elle met en avant la simplicit\u00e9 et l\u2019accessibilit\u00e9 d\u2019une couverture sans examens m\u00e9dicaux.<\/p><p data-start=\"472\" data-end=\"529\">Ce type d\u2019assurance s\u2019adresse principalement \u00e0 ceux qui :<\/p><ul data-start=\"531\" data-end=\"733\"><li data-start=\"531\" data-end=\"587\"><p data-start=\"533\" data-end=\"587\">Fr\u00e9quentent r\u00e9guli\u00e8rement les \u00e9tablissements de sant\u00e9,<\/p><\/li><li data-start=\"588\" data-end=\"637\"><p data-start=\"590\" data-end=\"637\">Prennent des m\u00e9dicaments sur une base continue,<\/p><\/li><li data-start=\"638\" data-end=\"733\"><p data-start=\"640\" data-end=\"733\">Ont des conditions de sant\u00e9 qui compliqueraient l\u2019acceptation \u00e0 une assurance traditionnelle.<\/p><\/li><\/ul><p data-start=\"735\" data-end=\"859\">Les assureurs fixent les primes \u00e0 partir d\u2019analyses statistiques pouss\u00e9es, bas\u00e9es sur divers facteurs de risque, notamment :<\/p><ul data-start=\"861\" data-end=\"978\"><li data-start=\"861\" data-end=\"885\"><p data-start=\"863\" data-end=\"885\"><strong data-start=\"863\" data-end=\"884\">L\u2019\u00e2ge de l\u2019assur\u00e9<\/strong>,<\/p><\/li><li data-start=\"886\" data-end=\"917\"><p data-start=\"888\" data-end=\"917\"><strong data-start=\"888\" data-end=\"916\">La consommation de tabac<\/strong>,<\/p><\/li><li data-start=\"918\" data-end=\"978\"><p data-start=\"920\" data-end=\"978\"><strong data-start=\"920\" data-end=\"977\">La pr\u00e9sence ou l\u2019absence de probl\u00e8mes de sant\u00e9 connus<\/strong>.<\/p><\/li><\/ul><p data-start=\"980\" data-end=\"1335\">\ud83d\udca1 <strong data-start=\"983\" data-end=\"994\">\u00c0 noter<\/strong> : Si vous avez moins de 50 ans et jouissez d\u2019une excellente sant\u00e9, il serait judicieux d\u2019explorer d\u2019autres options d\u2019assurance vie, comme une police temporaire ou permanente. Ces types de contrats peuvent vous offrir une meilleure couverture \u00e0 un tarif bien plus avantageux, tout en servant parfois de levier pour des placements financiers.<\/p><hr data-start=\"1337\" data-end=\"1340\" \/><h3 data-start=\"1342\" data-end=\"1398\">Pourquoi choisir une assurance sans examen m\u00e9dical ?<\/h3><p data-start=\"1400\" data-end=\"1732\">Si votre objectif est simplement de pr\u00e9voir un montant pour couvrir vos frais fun\u00e9raires, sans passer par les examens m\u00e9dicaux habituellement requis, ce type d\u2019assurance est fait pour vous. Le processus de souscription est extr\u00eamement simple : seules trois informations sont prises en compte pour d\u00e9terminer le co\u00fbt de votre prime :<\/p><ul data-start=\"1734\" data-end=\"1805\"><li data-start=\"1734\" data-end=\"1750\"><p data-start=\"1736\" data-end=\"1750\">Votre <strong data-start=\"1742\" data-end=\"1749\">\u00e2ge<\/strong>,<\/p><\/li><li data-start=\"1751\" data-end=\"1768\"><p data-start=\"1753\" data-end=\"1768\">Votre <strong data-start=\"1759\" data-end=\"1767\">sexe<\/strong>,<\/p><\/li><li data-start=\"1769\" data-end=\"1805\"><p data-start=\"1771\" data-end=\"1805\">Et si vous <strong data-start=\"1782\" data-end=\"1804\">\u00eates fumeur ou non<\/strong>.<\/p><\/li><\/ul><hr data-start=\"1807\" data-end=\"1810\" \/><h3 data-start=\"1812\" data-end=\"1848\">Comment les tarifs varient-ils ?<\/h3><p data-start=\"1850\" data-end=\"1903\">Voici les principales diff\u00e9rences de prix observ\u00e9es :<\/p><ul data-start=\"1905\" data-end=\"2171\"><li data-start=\"1905\" data-end=\"2012\"><p data-start=\"1907\" data-end=\"2012\">Une <strong data-start=\"1911\" data-end=\"1949\">femme paiera environ 20 % de moins<\/strong> qu\u2019un homme (les hommes \u00e9tant consid\u00e9r\u00e9s comme plus \u00e0 risque).<\/p><\/li><li data-start=\"2013\" data-end=\"2081\"><p data-start=\"2015\" data-end=\"2081\">Un <strong data-start=\"2018\" data-end=\"2067\">non-fumeur paiera aussi environ 20 % de moins<\/strong> qu\u2019un fumeur.<\/p><\/li><li data-start=\"2082\" data-end=\"2171\"><p data-start=\"2084\" data-end=\"2171\">\u00c0 partir de 50 ans, <strong data-start=\"2104\" data-end=\"2170\">chaque ann\u00e9e suppl\u00e9mentaire entra\u00eene une hausse d\u2019environ 14 %<\/strong>.<\/p><\/li><\/ul><p data-start=\"2173\" data-end=\"2326\"><strong data-start=\"2173\" data-end=\"2194\">Exemple concret :<\/strong> entre une femme non-fumeuse de 50 ans et un homme fumeur de 65 ans, les primes peuvent afficher un \u00e9cart de prix tr\u00e8s significatif.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca53c8d elementor-widget elementor-widget-image\" data-id=\"ca53c8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"932\" height=\"243\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125440.jpg\" class=\"attachment-large size-large wp-image-2488\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125440.jpg 932w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125440-300x78.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125440-768x200.jpg 768w\" sizes=\"(max-width: 932px) 100vw, 932px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb43623 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cb43623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"117\" data-end=\"327\"><strong data-start=\"117\" data-end=\"130\">\u00c0 noter :<\/strong> Les montants mentionn\u00e9s ci-dessous sont fournis \u00e0 titre d\u2019exemple uniquement et ne doivent pas \u00eatre consid\u00e9r\u00e9s comme des valeurs d\u00e9finitives. Ne vous fiez pas aux tarifs indiqu\u00e9s dans cet exemple.<\/p><p data-start=\"329\" data-end=\"477\">Ainsi, si une femme de 50 ans devait payer 14\u202f$ par mois pour sa prime d\u2019assurance, un homme de 65 ans paierait plut\u00f4t 35\u202f$ pour la m\u00eame couverture.<\/p><p data-start=\"479\" data-end=\"891\">Ce sc\u00e9nario illustre bien l\u2019importance de souscrire \u00e0 une assurance vie sans examen m\u00e9dical le plus t\u00f4t possible. Une fois le contrat sign\u00e9, les primes demeurent fixes \u00e0 vie. Dans le cas pr\u00e9sent, si cet homme avait souscrit 15 ans plus t\u00f4t, il aurait \u00e9conomis\u00e9 environ 16\u202f$ par mois. Il est donc judicieux de comparer les offres d\u2019assurance vie entre diff\u00e9rents assureurs pour faire des \u00e9conomies substantielles.<\/p><hr data-start=\"893\" data-end=\"896\" \/><h3 data-start=\"898\" data-end=\"962\">Les examens m\u00e9dicaux en assurance vie : de quoi parle-t-on ?<\/h3><p data-start=\"964\" data-end=\"1106\">Dans cette section, nous faisons r\u00e9f\u00e9rence aux assurances vie dites \u00ab\u202ftraditionnelles\u202f\u00bb, et non aux contrats \u00e0 adh\u00e9sion garantie ou imm\u00e9diate.<\/p><p data-start=\"1108\" data-end=\"1531\">Pas d\u2019inqui\u00e9tude \u00e0 avoir\u202f! Il est tout \u00e0 fait normal que l\u2019assureur vous pose quelques questions sur votre \u00e9tat de sant\u00e9. Ces d\u00e9marches s\u2019expliquent par le fait que les compagnies investissent dans des professionnels de sant\u00e9 pour analyser votre profil m\u00e9dical. Des infirmi\u00e8res ou m\u00e9decins peuvent m\u00eame se rendre \u00e0 votre domicile afin de r\u00e9aliser des prises de sang, des tests d\u2019urine, ou tout autre examen jug\u00e9 n\u00e9cessaire.<\/p><p data-start=\"1533\" data-end=\"1627\">Contrairement aux id\u00e9es re\u00e7ues, vous n\u2019avez pas besoin de vous d\u00e9placer pour passer ces tests.<\/p><p data-start=\"1629\" data-end=\"1941\">Ces analyses permettent \u00e0 l\u2019assureur d\u2019\u00e9valuer pr\u00e9cis\u00e9ment le niveau de risque que vous repr\u00e9sentez, dans le but de vous proposer un contrat adapt\u00e9. En engageant ces frais, la compagnie montre qu\u2019elle souhaite r\u00e9ellement vous compter parmi ses assur\u00e9s. Leur objectif n\u2019est pas de vous refuser, bien au contraire.<\/p><p data-start=\"1943\" data-end=\"2125\">Pensez \u00e0 demander une copie des r\u00e9sultats de vos examens pour les transmettre \u00e0 votre m\u00e9decin traitant. Cela constitue une excellente occasion de mettre \u00e0 jour votre dossier m\u00e9dical.<\/p><hr data-start=\"2127\" data-end=\"2130\" \/><h3 data-start=\"2132\" data-end=\"2208\">L\u2019assurance vie \u00e0 adh\u00e9sion garantie : est-ce une bonne option pour moi ?<\/h3><p data-start=\"2210\" data-end=\"2590\">Depuis quelques ann\u00e9es, de nouveaux types de produits d\u2019assurance vie sont apparus sur le march\u00e9. On les conna\u00eet sous les noms d\u2019\u00ab\u202fassurance vie sans examen m\u00e9dical\u202f\u00bb, \u00ab\u202fassurance \u00e0 adh\u00e9sion garantie\u202f\u00bb ou encore \u00ab\u202fassurance 50+\u202f\u00bb. Ces offres, propos\u00e9es par des institutions comme Desjardins, la Financi\u00e8re Manuvie ou la Banque Nationale, permettent de contourner l\u2019examen m\u00e9dical.<\/p><p data-start=\"2592\" data-end=\"2736\">Beaucoup choisissent ces produits pour la simplicit\u00e9 et la rapidit\u00e9 de souscription. Toutefois, deux \u00e9l\u00e9ments importants sont souvent n\u00e9glig\u00e9s :<\/p><ul data-start=\"2738\" data-end=\"3001\"><li data-start=\"2738\" data-end=\"2907\"><p data-start=\"2740\" data-end=\"2907\">Certaines compagnies n\u2019activent pas la couverture imm\u00e9diatement. Une p\u00e9riode d\u2019attente de 24 mois peut \u00eatre impos\u00e9e avant que la protection ne prenne pleinement effet.<\/p><\/li><li data-start=\"2908\" data-end=\"3001\"><p data-start=\"2910\" data-end=\"3001\">Selon votre \u00e9tat de sant\u00e9, les assurances traditionnelles pourraient \u00eatre plus \u00e9conomiques.<\/p><\/li><\/ul><p data-start=\"3003\" data-end=\"3183\"><strong data-start=\"3003\" data-end=\"3042\">Comment \u00e9viter le d\u00e9lai d\u2019attente ?<\/strong><br data-start=\"3042\" data-end=\"3045\" \/>En comparant les offres sur le march\u00e9, vous pouvez trouver des assureurs qui proposent une couverture imm\u00e9diate, m\u00eame sans examen m\u00e9dical.<\/p><hr data-start=\"3185\" data-end=\"3188\" \/><h3 data-start=\"3190\" data-end=\"3268\">Pour qui l\u2019assurance vie sans examen m\u00e9dical est-elle r\u00e9ellement adapt\u00e9e ?<\/h3><p data-start=\"3270\" data-end=\"3327\">Ce type d\u2019assurance s\u2019adresse principalement \u00e0 ceux qui :<\/p><ul data-start=\"3329\" data-end=\"3537\"><li data-start=\"3329\" data-end=\"3415\"><p data-start=\"3331\" data-end=\"3415\">Ont des probl\u00e8mes de sant\u00e9 rendant difficile l\u2019acc\u00e8s \u00e0 une assurance traditionnelle.<\/p><\/li><li data-start=\"3416\" data-end=\"3468\"><p data-start=\"3418\" data-end=\"3468\">Souhaitent une souscription rapide et sans tracas.<\/p><\/li><li data-start=\"3469\" data-end=\"3537\"><p data-start=\"3471\" data-end=\"3537\">Ont d\u00e9pass\u00e9 un certain \u00e2ge et recherchent une solution simplifi\u00e9e.<\/p><\/li><\/ul><p data-start=\"3539\" data-end=\"3720\">Cependant, avant de faire votre choix, prenez toujours le temps de comparer les diff\u00e9rentes options disponibles, en tenant compte de votre profil, de vos besoins et de votre budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4934203 elementor-widget elementor-widget-image\" data-id=\"4934203\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"935\" height=\"452\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125747.jpg\" class=\"attachment-large size-large wp-image-2492\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125747.jpg 935w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125747-300x145.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-125747-768x371.jpg 768w\" sizes=\"(max-width: 935px) 100vw, 935px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17d7881 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"17d7881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"81\" data-end=\"484\">Vous vous demandez peut-\u00eatre comment une personne peut \u00eatre refus\u00e9e pour une assurance vie sans examen m\u00e9dical, alors qu\u2019aucun dossier m\u00e9dical ne semble requis. En r\u00e9alit\u00e9, \u00ab sans examen m\u00e9dical \u00bb ne signifie pas que l\u2019assureur ne posera aucune question. Chaque compagnie applique ses propres crit\u00e8res de s\u00e9lection et peut filtrer les candidats jug\u00e9s \u00e0 risque en se basant sur un questionnaire de sant\u00e9.<\/p><p data-start=\"486\" data-end=\"670\">Par exemple, chez Desjardins, l\u2019assurance 50+ inclut une s\u00e9rie de questions pour \u00e9valuer si le profil du demandeur repr\u00e9sente un trop grand risque. Voici ce qu\u2019ils cherchent \u00e0 savoir :<\/p><p data-start=\"672\" data-end=\"719\">Avez-vous d\u00e9j\u00e0 \u00e9t\u00e9, ou \u00eates-vous actuellement :<\/p><ul data-start=\"721\" data-end=\"1430\"><li data-start=\"721\" data-end=\"794\"><p data-start=\"723\" data-end=\"794\">Refus\u00e9 par une compagnie d\u2019assurance vie ou accept\u00e9 avec une surprime ?<\/p><\/li><li data-start=\"795\" data-end=\"840\"><p data-start=\"797\" data-end=\"840\">Confin\u00e9 \u00e0 un lit ou \u00e0 un fauteuil roulant ?<\/p><\/li><li data-start=\"841\" data-end=\"913\"><p data-start=\"843\" data-end=\"913\">H\u00e9berg\u00e9 dans un \u00e9tablissement de soins prolong\u00e9s ou de convalescence ?<\/p><\/li><li data-start=\"914\" data-end=\"985\"><p data-start=\"916\" data-end=\"985\">Incapable de vous alimenter ou de subvenir \u00e0 vos besoins personnels ?<\/p><\/li><li data-start=\"986\" data-end=\"1145\"><p data-start=\"988\" data-end=\"1145\">Diagnostiqu\u00e9 ou trait\u00e9 pour une crise cardiaque, un AVC, un coma diab\u00e9tique, une angine de poitrine, un cancer, ou un AIT (accident isch\u00e9mique transitoire) ?<\/p><\/li><li data-start=\"1146\" data-end=\"1239\"><p data-start=\"1148\" data-end=\"1239\">En attente de r\u00e9sultats ou de traitements pour l\u2019une des conditions mentionn\u00e9es ci-dessus ?<\/p><\/li><li data-start=\"1240\" data-end=\"1293\"><p data-start=\"1242\" data-end=\"1293\">Suivi pour un cancer trait\u00e9 il y a moins de 5 ans ?<\/p><\/li><li data-start=\"1294\" data-end=\"1331\"><p data-start=\"1296\" data-end=\"1331\">Atteint de la maladie d\u2019Alzheimer ?<\/p><\/li><li data-start=\"1332\" data-end=\"1430\"><p data-start=\"1334\" data-end=\"1430\">Diagnostiqu\u00e9 avec un emphys\u00e8me, le VIH (SIDA), une insuffisance r\u00e9nale ou une cirrhose du foie ?<\/p><\/li><\/ul><p data-start=\"1432\" data-end=\"1519\">Si vous r\u00e9pondez \u00ab oui \u00bb \u00e0 l\u2019une de ces questions, votre demande pourrait \u00eatre refus\u00e9e.<\/p><p data-start=\"1521\" data-end=\"1863\">Chaque compagnie \u00e9value les risques diff\u00e9remment. Ce qui est per\u00e7u comme trop risqu\u00e9 par un assureur peut \u00eatre jug\u00e9 acceptable par un autre. Ainsi, un refus aujourd\u2019hui ne signifie pas que vous serez toujours inassurable. Les crit\u00e8res changent chaque ann\u00e9e, et une compagnie qui vous a refus\u00e9 cette ann\u00e9e pourrait vous accepter l\u2019an prochain.<\/p><p data-start=\"1865\" data-end=\"2184\">C\u2019est pourquoi il est essentiel d\u2019explorer toutes les options disponibles. Faites appel \u00e0 l\u2019un de nos partenaires courtiers : il analysera votre situation en d\u00e9tail et vous guidera vers la meilleure solution. Remplissez simplement le formulaire sur cette page pour recevoir gratuitement votre proposition personnalis\u00e9e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b24e31b e-con-full e-flex e-con e-child\" data-id=\"b24e31b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f69aef9 e-con-full e-flex e-con e-child\" data-id=\"f69aef9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a91d8b1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a91d8b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TROUVEZ LA POLICE D\u2019ASSURANCE VIE SANS EXAMEN MEDICAL QUI VOUS CONVIENT !\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a5b1f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a3a5b1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"165\" data-end=\"312\">Remplissez ce formulaire pour b\u00e9n\u00e9ficier d\u2019un accompagnement personnalis\u00e9 offert par l\u2019un de nos courtiers partenaires, tous experts en assurances. Vous recevrez rapidement une soumission adapt\u00e9e \u00e0 vos besoins.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2854c85 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2854c85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/assuranceviecanada.ca\/assurance-vie-permanente\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Remplir le formulaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6632d11 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6632d11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019assurance vie 50+ est-elle identique \u00e0 l\u2019assurance vie sans examen m\u00e9dical ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4df2a62 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4df2a62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"64\" data-end=\"692\" data-is-last-node=\"\" data-is-only-node=\"\">L\u2019assurance vie 50 ans et plus est une appellation utilis\u00e9e par certaines compagnies d\u2019assurance pour s\u2019adresser sp\u00e9cifiquement aux personnes d\u2019un certain \u00e2ge. Ce type de produit offre g\u00e9n\u00e9ralement les m\u00eames avantages et des crit\u00e8res d\u2019admissibilit\u00e9 tr\u00e8s similaires \u00e0 ceux de l\u2019assurance vie sans examen m\u00e9dical. Par exemple, Manuvie propose ce produit sous le nom \u00ab Assurance vie \u2013 Adh\u00e9sion garantie \u00bb, la Banque Nationale le nomme \u00ab Assurance vie 50+ \u00bb, tandis que La Capitale l\u2019appelle \u00ab Horizon 50+ \u00bb. Voici un aper\u00e7u de ces trois offres :<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8d4c53 elementor-widget elementor-widget-image\" data-id=\"c8d4c53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"807\" height=\"605\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130259.jpg\" class=\"attachment-large size-large wp-image-2497\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130259.jpg 807w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130259-300x225.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130259-768x576.jpg 768w\" sizes=\"(max-width: 807px) 100vw, 807px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f40f4f5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f40f4f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"59\" data-end=\"366\">On constate que les offres pr\u00e9sentent beaucoup de similitudes. Cependant, de l\u00e9g\u00e8res variations dans le prix des primes, en fonction de certains crit\u00e8res, peuvent avantager certaines compagnies par rapport \u00e0 d\u2019autres. Selon votre \u00e9tat de sant\u00e9, la solution la plus avantageuse sera aussi la plus \u00e9conomique.<\/p><p data-start=\"368\" data-end=\"833\">Avec une assurance vie sans examen m\u00e9dical, il ne faut pas s\u2019attendre \u00e0 recevoir la totalit\u00e9 du capital en cas de d\u00e9c\u00e8s proche. Vous pourriez percevoir seulement la moiti\u00e9 de la couverture si toutes les conditions sont remplies. Certaines compagnies imposent une p\u00e9riode d\u2019attente de 24 mois apr\u00e8s la signature du contrat avant que la couverture soit pleinement effective. Dans ce cas, la prestation vers\u00e9e ne correspondra qu\u2019aux primes pay\u00e9es durant cette p\u00e9riode.<\/p><p data-start=\"835\" data-end=\"1072\">Les assureurs cherchent \u00e0 se prot\u00e9ger au maximum, car ils ne disposent pas toujours d\u2019informations pr\u00e9cises sur la sant\u00e9 de leurs clients. En percevant deux ann\u00e9es de primes, ils se m\u00e9nagent un d\u00e9lai suffisant en cas de diagnostic grave.<\/p><p data-start=\"1074\" data-end=\"1515\">Plus co\u00fbteuse que d\u2019autres types d\u2019assurance vie, l\u2019assurance vie sans examen m\u00e9dical offre n\u00e9anmoins une protection en cas de malheur. En optant pour un capital plus \u00e9lev\u00e9, vous pouvez anticiper le remboursement de vos dettes, couvrir vos frais fun\u00e9raires, et m\u00eame laisser un h\u00e9ritage \u00e0 vos proches. Il est important d\u2019\u00e9tudier attentivement les avantages de cette assurance, qui peut \u00eatre la seule option pour une personne en sant\u00e9 fragile.<\/p><p data-start=\"1517\" data-end=\"1928\">Cependant, si apr\u00e8s cette lecture vous h\u00e9sitez encore, vous pouvez essayer une soumission pour une assurance vie temporaire. Le questionnaire m\u00e9dical y est plus d\u00e9taill\u00e9, mais aucune visite m\u00e9dicale n\u2019est n\u00e9cessaire. Vous n\u2019avez rien \u00e0 perdre. Passer un examen m\u00e9dical aujourd\u2019hui est facile, et en cas d\u2019\u00e9chec, vous pourrez toujours vous orienter vers une assurance vie sans examen m\u00e9dical (adh\u00e9sion garantie).<\/p><hr data-start=\"1930\" data-end=\"1933\" \/><p data-start=\"1935\" data-end=\"2256\">Alors, quel est le co\u00fbt de cette assurance vie sans examen m\u00e9dical ?<br data-start=\"2003\" data-end=\"2006\" \/>Sachez que les tarifs varient grandement selon les compagnies. Nous avons compil\u00e9 des donn\u00e9es provenant de plus de quatre assureurs afin d\u2019obtenir une moyenne indicative, en arrondissant les r\u00e9sultats. Ces tarifs de 2017 \u00e9volueront l\u2019ann\u00e9e prochaine.<\/p><p data-start=\"2258\" data-end=\"2433\">Le tableau ci-dessous vous offre une estimation r\u00e9aliste des montants de couverture possibles, ainsi que des primes correspondantes, selon votre \u00e2ge, sexe et statut de fumeur.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5441938 elementor-widget elementor-widget-image\" data-id=\"5441938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"928\" height=\"535\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130605.jpg\" class=\"attachment-large size-large wp-image-2502\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130605.jpg 928w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130605-300x173.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-130605-768x443.jpg 768w\" sizes=\"(max-width: 928px) 100vw, 928px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e9a005 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8e9a005\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"59\" data-end=\"366\"><strong>Attention ! Consultez ces ajouts importants qui compl\u00e8tent cet article sur l\u2019assurance vie \u00e0 adh\u00e9sion garantie.<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20480b5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"20480b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c016517 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c016517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"59\" data-end=\"366\"><strong>Mise \u00e0 jour 2019<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08395d2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"08395d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tarif* de l\u2019assurance vie \u00e0 souscription simplifi\u00e9e pour les personnes de 25 \u00e0 80 ans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3ac1d5 elementor-widget elementor-widget-image\" data-id=\"c3ac1d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"897\" height=\"622\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-133148.jpg\" class=\"attachment-large size-large wp-image-2513\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-133148.jpg 897w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-133148-300x208.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-133148-768x533.jpg 768w\" sizes=\"(max-width: 897px) 100vw, 897px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e3bc4e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9e3bc4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"b372c788-1204-4d84-98ec-ddeb5026d783\" data-message-model-slug=\"gpt-4-1-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"49\" data-end=\"201\">En juillet 2018, de nouvelles donn\u00e9es vous offrent d\u00e9sormais une meilleure visibilit\u00e9 sur le co\u00fbt des primes pour ce produit tr\u00e8s tendance actuellement.<\/p><p data-start=\"203\" data-end=\"322\" data-is-last-node=\"\" data-is-only-node=\"\">Le tableau ci-dessous pr\u00e9sente ainsi une estimation plus repr\u00e9sentative des prix pour une personne \u00e2g\u00e9e de 40 \u00e0 75 ans.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea992d0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ea992d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"59\" data-end=\"366\"><strong>Mise \u00e0 jour 2018<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9eaea36 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9eaea36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tarifs de l\u2019assurance vie sans n\u00e9cessit\u00e9 d\u2019examen m\u00e9dical<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6f60b9 elementor-widget elementor-widget-image\" data-id=\"f6f60b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"672\" height=\"578\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134351.jpg\" class=\"attachment-large size-large wp-image-2521\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134351.jpg 672w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134351-300x258.jpg 300w\" sizes=\"(max-width: 672px) 100vw, 672px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2f184 elementor-widget elementor-widget-image\" data-id=\"2d2f184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"550\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134657.jpg\" class=\"attachment-large size-large wp-image-2522\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134657.jpg 683w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134657-300x242.jpg 300w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3485fc6 elementor-widget elementor-widget-image\" data-id=\"3485fc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"678\" height=\"546\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134941.jpg\" class=\"attachment-large size-large wp-image-2523\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134941.jpg 678w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-134941-300x242.jpg 300w\" sizes=\"(max-width: 678px) 100vw, 678px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54a4521 elementor-widget elementor-widget-image\" data-id=\"54a4521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"682\" height=\"550\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-135143.jpg\" class=\"attachment-large size-large wp-image-2524\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-135143.jpg 682w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-135143-300x242.jpg 300w\" sizes=\"(max-width: 682px) 100vw, 682px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a63bf6c elementor-widget elementor-widget-image\" data-id=\"a63bf6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"681\" height=\"279\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-135321.jpg\" class=\"attachment-large size-large wp-image-2525\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-135321.jpg 681w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Capture-decran-2025-07-27-135321-300x123.jpg 300w\" sizes=\"(max-width: 681px) 100vw, 681px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b156a4e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b156a4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-testid=\"conversation-turn-2\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d981bc57-cffb-4a05-a3ea-3db3f49f95ea\" data-message-model-slug=\"gpt-4o\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark\"><p data-start=\"44\" data-end=\"183\">La mani\u00e8re la plus efficace pour d\u00e9nicher l\u2019offre la plus int\u00e9ressante sur le march\u00e9 qu\u00e9b\u00e9cois est de faire appel \u00e0 un expert du secteur.<\/p><p data-start=\"185\" data-end=\"317\">Nos partenaires sont des courtiers en assurance et des conseillers en s\u00e9curit\u00e9 financi\u00e8re, pr\u00e9sents partout \u00e0 travers la province.<\/p><p data-start=\"319\" data-end=\"481\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/assuranceviecanada.ca\/assurance-vie-sans-examen-medical\/\">Remplissez le court formulaire<\/a><\/span>\u00a0 en haut de la page afin qu\u2019un de nos partenaires de votre r\u00e9gion \u00e9tudie votre situation.<\/strong><\/p><p data-start=\"483\" data-end=\"574\" data-is-last-node=\"\" data-is-only-node=\"\">Tr\u00e8s bient\u00f4t, vous recevrez une soumission GRATUITE, sans aucune obligation de votre part !<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc46972 e-flex e-con-boxed e-con e-parent\" data-id=\"cc46972\" 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-c8f9fbc elementor-widget elementor-widget-text-editor\" data-id=\"c8f9fbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>FAQ<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd84053 elementor-widget elementor-widget-heading\" data-id=\"dd84053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quemment pos\u00e9es<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd030b elementor-widget elementor-widget-accordion\" data-id=\"7dd030b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1311\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1311\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u2019est-ce qu\u2019Assurance Vie Canada ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1311\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1311\"><p>C\u2019est une plateforme qui vous met en relation avec des courtiers en assurance pour comparer des offres d\u2019assurance vie.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42fdeaa elementor-widget elementor-widget-accordion\" data-id=\"42fdeaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7021\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7021\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment fonctionne votre service ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7021\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7021\"><p>Vous remplissez un formulaire en ligne, un courtier vous contacte, puis vous comparez les offres pour choisir la meilleure.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5f6b5d elementor-widget elementor-widget-accordion\" data-id=\"d5f6b5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2241\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2241\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Est-ce que ce service est gratuit pour les utilisateurs ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2241\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2241\"><p>Oui, le service est 100 % gratuit pour les clients et sans frais cach\u00e9s.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dd289d elementor-widget elementor-widget-accordion\" data-id=\"3dd289d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6481\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6481\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quels types d\u2019assurance offrez-vous ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6481\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6481\"><p>Nous aidons \u00e0 trouver les meilleures assurances vie temporaire, permanente, maladies graves et autres protections via nos courtiers partenaires.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3cf8cd elementor-widget elementor-widget-accordion\" data-id=\"d3cf8cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2221\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2221\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment puis-je obtenir un devis ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2221\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2221\"><p>Remplissez simplement le formulaire de demande de devis et un courtier vous contactera rapidement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-030fb12 elementor-widget elementor-widget-accordion\" data-id=\"030fb12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3211\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3211\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Puis-je recevoir plusieurs devis ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3211\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3211\"><p>Oui, le courtier peut vous proposer diff\u00e9rentes options de plusieurs assureurs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Assurance vie canada Pensez-vous \u00eatre inassurable ? Vous avez des difficult\u00e9s \u00e0 obtenir une assurance vie en raison de votre \u00e2ge ou de votre \u00e9tat de sant\u00e9 ? Avez-vous d\u00e9j\u00e0 essuy\u00e9 un refus ? Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste) Assureurs 0 + Soumission [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-21329","page","type-page","status-publish","hentry"],"blocksy_meta":{"has_hero_section":"disabled","styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"aioseo_notices":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Compareur Assurance vie","author_link":"https:\/\/assuranceviecanada.ca\/en\/author\/assuranceviecanada1gmail-com\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"Assurance vie canada Pensez-vous \u00eatre inassurable ? Vous avez des difficult\u00e9s \u00e0 obtenir une assurance vie en raison de votre \u00e2ge ou de votre \u00e9tat de sant\u00e9 ? Avez-vous d\u00e9j\u00e0 essuy\u00e9 un refus ? Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste) Assureurs 0 + Soumission&hellip;","_links":{"self":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/21329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/comments?post=21329"}],"version-history":[{"count":14,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/21329\/revisions"}],"predecessor-version":[{"id":21756,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/21329\/revisions\/21756"}],"wp:attachment":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/media?parent=21329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}