{"id":368,"date":"2017-02-27T14:06:38","date_gmt":"2017-02-27T14:06:38","guid":{"rendered":"https:\/\/teamlevine.ca\/?page_id=368"},"modified":"2017-05-25T17:02:48","modified_gmt":"2017-05-25T17:02:48","slug":"assurance-hypothecaire","status":"publish","type":"page","link":"https:\/\/teamlevine.ca\/fr\/assurance\/assurance-vie\/assurance-hypothecaire\/","title":{"rendered":"Assurance hypoth\u00e9caire"},"content":{"rendered":"<p><\/p>\n<p>L\u2019assurance hypoth\u00e9caire est le type d\u2019assurance que fournissent les banques \u00e0 toute personne qui souscrit \u00e0 une hypoth\u00e8que. Ce type d\u2019assurance vie couvre l\u2019hypoth\u00e8que seulement, ce qui signifie que le montant de l\u2019indemnit\u00e9 diminue en m\u00eame temps que votre pr\u00eat hypoth\u00e9caire. Cependant, vos primes demeurent fixes, m\u00eame lorsque votre pr\u00eat hypoth\u00e9caire et votre protection diminuent. La banque est le b\u00e9n\u00e9ficiaire de votre police.<\/p>\n<p><strong><em>Primes<\/em><\/strong><\/p>\n<p>Les primes pour ce type d\u2019assurance sont g\u00e9n\u00e9ralement sup\u00e9rieures \u00e0 celles de l\u2019assurance vie temporaire 10, et \u00e0 peu pr\u00e8s du m\u00eame montant que l\u2019assurance vie temporaire 20. Le terme \u00ab temporaire 10 \u00bb signifie que les primes sont garanties et qu\u2019elles ne peuvent \u00eatre modifi\u00e9es tout au long de la p\u00e9riode de 10 ans. La version temporaire 20, quant \u00e0 elle, fixe vos primes pour une p\u00e9riode de 20 ans.<\/p>\n<p><strong><em>Les diff\u00e9rents types d\u2019assurances hypoth\u00e9caires<\/em><\/strong><\/p>\n<p>Vous pouvez obtenir ce type d\u2019assurance aupr\u00e8s d\u2019une banque, auquel cas celle-ci approuve votre dossier instantan\u00e9ment. Cependant, la banque ne v\u00e9rifie pas vos ant\u00e9c\u00e9dents de sant\u00e9 au pr\u00e9alable. Vos ant\u00e9c\u00e9dents de sant\u00e9 sont v\u00e9rifi\u00e9s uniquement au moment de votre d\u00e9c\u00e8s, lorsque votre famille soumet la demande d\u2019indemnisation. Cependant, cette fa\u00e7on de faire comporte des risques dans le cas o\u00f9 il est d\u00e9termin\u00e9 que l\u2019assur\u00e9 souffrait de probl\u00e8mes de sant\u00e9, puisque la banque pourrait refuser de payer la prestation de d\u00e9c\u00e8s, et ne rembourser que les primes qui ont \u00e9t\u00e9 vers\u00e9es \u00e0 la police.<\/p>\n<p>Le deuxi\u00e8me type d\u2019assurance hypoth\u00e9caire peut \u00eatre souscrit aupr\u00e8s d\u2019une compagnie d\u2019assurance. Dans le cadre de cette assurance, la compagnie d\u2019assurance prend en charge la souscription et s\u2019occupe de v\u00e9rifier vos ant\u00e9c\u00e9dents m\u00e9dicaux au moment o\u00f9 vous effectuez votre demande. Votre police ne sera accord\u00e9e que si votre \u00e9tat de sant\u00e9 le permet.<\/p>\n<p>Inutile de dire que si vous \u00eates \u00e0 la recherche d\u2019une assurance hypoth\u00e9caire, vous devriez faire appel \u00e0 un courtier d\u2019assurance qui sera en mesure de vous mettre en relation avec une compagnie d\u2019assurance. Communiquez avec Team Levine d\u00e8s aujourd\u2019hui. Nous serons heureux de vous aider \u00e0 d\u00e9terminer si l\u2019assurance hypoth\u00e9caire est le produit qui vous convient!<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance hypoth\u00e9caire est le type d\u2019assurance que fournissent les banques \u00e0 toute personne qui souscrit \u00e0 une hypoth\u00e8que. Ce type d\u2019assurance vie couvre l\u2019hypoth\u00e8que seulement, ce qui signifie que le montant de l\u2019indemnit\u00e9 diminue en m\u00eame temps que votre pr\u00eat hypoth\u00e9caire. Cependant, vos primes demeurent fixes, m\u00eame lorsque votre pr\u00eat hypoth\u00e9caire et votre protection diminuent. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":357,"menu_order":26,"comment_status":"closed","ping_status":"closed","template":"page-insurance-detail.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-368","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Team Levine<\/title>\n<meta name=\"description\" content=\"Team Levine\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teamlevine.ca\/insurance\/life-insurance\/mortgage-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Team Levine\" \/>\n<meta property=\"og:description\" content=\"Team Levine\" \/>\n<meta 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