{"id":16707,"date":"2026-11-06T15:23:11","date_gmt":"2026-11-06T14:23:11","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=16707"},"modified":"2026-11-06T15:23:11","modified_gmt":"2026-11-06T14:23:11","slug":"lp-assurance-vie-francaise","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/lp-assurance-vie-francaise\/","title":{"rendered":"Assurance-vie : conseil \u00e0 Lyon"},"content":{"rendered":"\n<style>body:has(.bms){overflow-x:clip!important}#Content>.content_wrapper>.mfn-page-title,#Subheader{display:none!important}#Content{padding-top:0!important}#Content .bms{width:100vw;max-width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);overflow-x:clip;background:var(--bg);color:var(--tx);font:400 18px\/1.55 var(--f);-webkit-font-smoothing:antialiased;text-align:left;--bg:#f5f3ee;--tx:#10130c;--mu:#666b5b;--ac:#c8f020;--dk:#0d0f0a;--ln:rgba(16,19,12,.09);--ease:cubic-bezier(.22,1,.36,1);--f:-apple-system,BlinkMacSystemFont,\"SF Pro Display\",\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif}#Content .bms *{box-sizing:border-box}#Content .bms :where(h1,h2,h3,p,ul,li,summary,details,div,span,small,strong,a){font-family:inherit;color:inherit;line-height:inherit;letter-spacing:inherit;text-transform:none;font-style:normal;background:none;border:0;text-shadow:none}#Content .bms :where(h1,h2,h3){padding:0;margin:0;font-weight:700}#Content .bms :where(p){margin:0;padding:0}#Content .bms :where(ul){margin:0;padding:0;list-style:none}#Content .bms a{text-decoration:none;color:inherit}#Content .bms :focus-visible{outline:2px solid var(--tx);outline-offset:3px;border-radius:8px}#Content .bms .wrap{max-width:1240px;margin:0 auto;padding-inline:max(20px,3vw)}#Content .bms .chip{display:inline-block;font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;background:rgba(200,240,32,.45);border:1px solid rgba(16,19,12,.12);border-radius:99px;padding:7px 14px}#Content .bms .hero{padding:clamp(40px,5vw,76px) 0 clamp(50px,6vw,90px)}#Content .bms .hg{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:clamp(32px,5vw,80px);align-items:center}#Content .bms h1{font-size:clamp(36px,4.5vw,64px);letter-spacing:-.035em;line-height:1.04;margin:22px 0 0;text-wrap:balance}#Content .bms .sub{font-size:clamp(18px,1.5vw,21px);color:var(--mu);margin-top:22px;max-width:30em}#Content .bms .bigcta{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:34px;background:var(--ac);color:var(--tx);border-radius:99px;height:88px;padding:10px 10px 10px clamp(26px,3vw,42px);font-size:clamp(18px,1.8vw,23px);font-weight:650;letter-spacing:-.01em;transition:transform .4s var(--ease),box-shadow .4s var(--ease);box-shadow:0 18px 40px -18px rgba(120,150,0,.7)}#Content .bms .bigcta:hover{transform:translateY(-2px) scale(1.012)}#Content .bms .bigcta:active{transform:scale(.985)}#Content .bms .bigcta b{flex:none;width:68px;height:68px;border-radius:50%;background:var(--dk);display:grid;place-items:center}#Content .bms .bigcta b i{width:12px;height:12px;border-top:3px solid var(--ac);border-right:3px solid var(--ac);transform:translateX(-2px) rotate(45deg)}#Content .bms .alt{display:inline-block;margin-top:20px;font-size:17px;font-weight:500;border-bottom:1.5px solid var(--tx);padding-bottom:2px}#Content .bms .checks{margin-top:30px;display:grid;gap:12px}#Content .bms .checks li{display:flex;gap:12px;align-items:flex-start;font-size:16px;font-weight:500}#Content .bms .checks li:before{content:\"\";flex:none;width:22px;height:22px;margin-top:1px;border-radius:50%;background:var(--ac) url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 22 22'%3E%3Cpath d='M6 11.5l3.2 3.2L16 8' fill='none' stroke='%2310130c' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'\/%3E%3C\/svg%3E\") center\/100% no-repeat}#Content .bms .note{margin-top:18px;font-size:13.5px;color:var(--mu)}#Content .bms .ph{position:relative}#Content .bms .ph img{display:block;width:100%;height:auto;aspect-ratio:4\/5;object-fit:cover;border-radius:32px;box-shadow:0 40px 80px -40px rgba(16,19,12,.55)}#Content .bms .float{position:absolute;left:-28px;bottom:-26px;max-width:290px;background:#fff;border-radius:20px;padding:18px 20px;box-shadow:0 24px 60px -24px rgba(16,19,12,.45)}#Content .bms .float strong{display:flex;align-items:center;gap:9px;font-size:17px;font-weight:650}#Content .bms .float strong:before{content:\"\";width:9px;height:9px;border-radius:50%;background:var(--ac);box-shadow:0 0 0 3px rgba(200,240,32,.35)}#Content .bms .float p{margin-top:6px;font-size:14px;color:var(--mu);line-height:1.45}#Content .bms .band{background:var(--dk);color:#f5f6f1;border-radius:36px;margin-inline:max(20px,3vw);padding:clamp(34px,4vw,54px) clamp(26px,4vw,60px);display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(22px,3vw,48px)}#Content .bms .band b{display:block;font-size:clamp(22px,2.2vw,28px);font-weight:700;letter-spacing:-.02em;color:var(--ac)}#Content .bms .band span{display:block;margin-top:6px;font-size:14.5px;color:#aeb4a3;line-height:1.4}#Content .bms .sec{padding:clamp(70px,9vw,130px) 0 0}#Content .bms .sec .hd{text-align:center;margin-bottom:clamp(36px,5vw,64px)}#Content .bms h2{font-size:clamp(32px,3.9vw,50px);letter-spacing:-.032em;line-height:1.06;text-wrap:balance}#Content .bms .hd p{color:var(--mu);margin-top:14px;font-size:19px}#Content .bms .why{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:clamp(24px,3.5vw,52px);align-items:stretch}#Content .bms .why>img{width:100%;height:100%;min-height:380px;object-fit:cover;border-radius:30px;display:block}#Content .bms .cards{display:grid;gap:18px}#Content .bms .card{display:grid;grid-template-columns:44px 1fr;gap:6px 18px;background:#fff;border-radius:24px;padding:26px 28px;border:1px solid var(--ln);box-shadow:0 20px 50px -34px rgba(16,19,12,.35)}#Content .bms .num{grid-row:span 3;width:40px;height:40px;border-radius:50%;background:var(--dk);color:#f5f6f1;display:grid;place-items:center;font-weight:600;font-size:17px}#Content .bms .card h3{font-size:clamp(19px,1.6vw,22px);letter-spacing:-.015em}#Content .bms .card p{color:var(--mu);font-size:16px;line-height:1.5}#Content .bms .pillr{display:inline-block;margin-top:6px;background:rgba(200,240,32,.5);font-size:13px;font-weight:500;border-radius:99px;padding:6px 13px}#Content .bms .steps{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}#Content .bms .stp{background:#fff;border:1px solid var(--ln);border-radius:22px;padding:22px 20px;display:grid;gap:4px;align-content:start}#Content .bms .stp b{width:38px;height:38px;border-radius:50%;background:var(--dk);color:#f5f6f1;display:grid;place-items:center;font-size:16px;font-weight:600;margin-bottom:12px}#Content .bms .stp strong{font-size:19px;font-weight:650;letter-spacing:-.01em}#Content .bms .stp span{font-size:14.5px;color:var(--mu);line-height:1.4}#Content .bms .stp.last{background:var(--dk);color:#f5f6f1}#Content .bms .stp.last b{background:var(--ac);color:var(--tx)}#Content .bms .stp.last span{color:#aeb4a3}#Content .bms .mid{max-width:560px;margin:38px auto 0}#Content .bms .mid .bigcta{margin-top:0;height:76px}#Content .bms .mid .bigcta b{width:58px;height:58px}#Content .bms .small{text-align:center;max-width:36em;margin:20px auto 0;font-size:14px;color:var(--mu)}#Content .bms .faq{max-width:780px;margin:0 auto;display:grid;gap:12px}#Content .bms details{background:#fff;border:1px solid var(--ln);border-radius:20px;padding:0 24px;box-shadow:0 14px 40px -34px rgba(16,19,12,.35)}#Content .bms summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 0;font-size:19px;font-weight:600;letter-spacing:-.01em}#Content .bms summary::-webkit-details-marker{display:none}#Content .bms summary:after{content:\"+\";flex:none;width:32px;height:32px;border-radius:50%;background:rgba(200,240,32,.55);display:grid;place-items:center;font-size:20px;font-weight:500;line-height:1}#Content .bms details[open] summary:after{content:\"\u2013\";background:var(--dk);color:var(--ac)}#Content .bms details p{padding:0 0 22px;color:var(--mu);font-size:16.5px;max-width:40em}#Content .bms .fin{margin:clamp(80px,10vw,140px) max(20px,3vw) 0;background:var(--dk);color:#f5f6f1;border-radius:40px;padding:clamp(34px,5vw,70px);display:grid;grid-template-columns:auto minmax(0,1fr) minmax(360px,.95fr);gap:clamp(24px,4vw,56px);align-items:center}#Content .bms .fin img{width:200px;height:200px;border-radius:50%;object-fit:cover;object-position:50% 10%;display:block;box-shadow:0 0 0 4px rgba(200,240,32,.3)}#Content .bms .fin h2{font-size:clamp(30px,3.4vw,44px)}#Content .bms .fin p{color:#aeb4a3;font-size:16.5px;margin-top:14px;max-width:30em}#Content .bms .fin .bigcta{margin-top:0;height:72px;font-size:17px;white-space:nowrap}#Content .bms .fin .bigcta b{width:54px;height:54px}#Content .bms .ghost{display:flex;justify-content:center;align-items:center;margin-top:14px;height:56px;border:1.5px solid rgba(245,246,241,.7);border-radius:99px;font-weight:600;font-size:17px;transition:background .3s,color .3s}#Content .bms .ghost:hover{background:#f5f6f1;color:var(--tx)}#Content .bms .foot{text-align:center;font-size:13.5px;color:var(--mu);padding:44px max(20px,3vw) 50px}#Content .bms .stk{display:none}@media(max-width:900px){#Content .bms .hg{grid-template-columns:1fr}#Content .bms .ph{order:2}#Content .bms .float{left:12px;bottom:-18px;max-width:240px}#Content .bms .bigcta{height:64px;font-size:16px;padding-left:22px;white-space:nowrap}#Content .bms .bigcta b{width:48px;height:48px}#Content .bms .band{grid-template-columns:1fr 1fr;border-radius:28px}#Content .bms .why{grid-template-columns:1fr}#Content .bms .why>img{min-height:240px;height:260px}#Content .bms .steps{grid-template-columns:1fr}#Content .bms .stp{grid-template-columns:38px 1fr;column-gap:14px;align-items:center}#Content .bms .stp b{grid-row:span 2;margin:0}#Content .bms .fin{grid-template-columns:1fr;border-radius:30px;padding:30px 20px;margin-inline:12px}#Content .bms .fin .bigcta{font-size:15px;padding-left:18px}#Content .bms .fin .bigcta b{width:44px;height:44px}#Content .bms .fin img{width:88px;height:88px}#Content .bms .stk{display:block;position:fixed;left:0;right:0;bottom:0;z-index:99;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(245,243,238,.92);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);transform:translateY(110%);transition:transform .45s var(--ease);box-shadow:0 -10px 30px -18px rgba(16,19,12,.4)}#Content .bms .foot{padding-bottom:96px}#Content .bms .mid .bigcta{height:64px}#Content .bms .mid .bigcta b{width:48px;height:48px}#Content .bms .stk.on{transform:none}#Content .bms .stk .bigcta{margin:0;height:58px;font-size:15.5px}#Content .bms .stk .bigcta b{width:44px;height:44px}}@media(prefers-reduced-motion:reduce){#Content .bms *{transition:none!important}}#Content .bms .panel{background:var(--dk);color:#f5f6f1;border-radius:32px;padding:clamp(26px,3vw,40px);display:grid;gap:0;box-shadow:0 40px 80px -40px rgba(16,19,12,.55)}#Content .bms .panel .pk{font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#aeb4a3;margin-bottom:6px}#Content .bms .panel .row{padding:20px 0;border-top:1px solid rgba(245,246,241,.12)}#Content .bms .panel .row:first-of-type{border-top:0}#Content .bms .panel .row b{display:block;font-size:clamp(30px,3.4vw,44px);font-weight:700;letter-spacing:-.03em;color:var(--ac);line-height:1.05}#Content .bms .panel .row span{display:block;margin-top:8px;font-size:15px;color:#c9cebf;line-height:1.45}#Content .bms .c3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}#Content .bms .c2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}#Content .bms .pc{background:#fff;border-radius:24px;padding:28px;border:1px solid var(--ln);box-shadow:0 20px 50px -34px rgba(16,19,12,.35);display:flex;flex-direction:column;gap:10px}#Content .bms .pc h3{font-size:clamp(19px,1.6vw,22px);letter-spacing:-.015em}#Content .bms .pc p{color:var(--mu);font-size:16px;line-height:1.5}#Content .bms .pc .pillr{align-self:flex-start;margin-top:4px}#Content .bms .tw{overflow-x:auto;background:#fff;border:1px solid var(--ln);border-radius:24px;box-shadow:0 20px 50px -34px rgba(16,19,12,.35)}#Content .bms table{width:100%;border-collapse:collapse;min-width:560px;font-size:16px}#Content .bms th{background:var(--dk)!important;color:var(--ac)!important;font-size:12px;letter-spacing:.1em;text-transform:uppercase;text-align:left!important;font-weight:600;padding:16px 20px;border:0!important}#Content .bms td{padding:16px 20px;border:0!important;border-bottom:1px solid var(--ln)!important;vertical-align:top;color:var(--tx);background:transparent!important;text-align:left!important;line-height:1.45}#Content .bms tr:last-child td{border-bottom:0!important}#Content .bms td:first-child{font-weight:600}#Content .bms td.g{font-weight:700}#Content .bms .tnote{margin-top:14px;font-size:13.5px;color:var(--mu);max-width:60em}#Content .bms .risk{margin-top:26px;background:rgba(200,240,32,.28);border:1px solid rgba(16,19,12,.12);border-radius:22px;padding:20px 24px;font-size:16px;line-height:1.5;max-width:60em}#Content .bms .risk strong{font-weight:700}#Content .bms .links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}#Content .bms .links a{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--ln);border-radius:20px;padding:20px 22px;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}#Content .bms .links a:hover{transform:translateY(-2px);box-shadow:0 18px 40px -26px rgba(16,19,12,.45)}#Content .bms .links a strong{font-size:17px;font-weight:650;letter-spacing:-.01em}#Content .bms .links a span{font-size:14.5px;color:var(--mu);line-height:1.4}#Content .bms .links a em{font-style:normal;font-size:14px;font-weight:600;margin-top:2px}#Content .bms .sec .lead{text-align:center;color:var(--mu);max-width:44em;margin:-30px auto 40px;font-size:17px}@media(max-width:900px){#Content .bms .c3,#Content .bms .c2,#Content .bms .links{grid-template-columns:1fr}#Content .bms .panel{border-radius:26px}#Content .bms .sec .lead{margin-top:-24px}#Content .bms th,#Content .bms td{padding:13px 14px;font-size:15px}}#Content .bms span.g{font-weight:700}#Content .bms .ph{position:relative}#Content .bms .ph img{display:block;width:100%;height:auto;aspect-ratio:4\/5;object-fit:cover;border-radius:32px;box-shadow:0 40px 80px -40px rgba(16,19,12,.55)}#Content .bms .float{position:absolute;left:12px;bottom:-18px;max-width:250px;background:#fff;border-radius:20px;padding:18px 20px;box-shadow:0 24px 60px -24px rgba(16,19,12,.45)}#Content .bms .float strong{display:flex;align-items:flex-start;gap:9px;font-size:16.5px;font-weight:650;line-height:1.25}#Content .bms .float strong:before{content:\"\";flex:none;margin-top:6px;width:9px;height:9px;border-radius:50%;background:var(--ac);box-shadow:0 0 0 3px rgba(200,240,32,.35)}#Content .bms .float p{margin-top:6px;font-size:14px;color:var(--mu);line-height:1.45}#Content .bms .stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}#Content .bms .stats .st{background:#fff;border:1px solid var(--ln);border-radius:24px;padding:28px;box-shadow:0 20px 50px -34px rgba(16,19,12,.35)}#Content .bms .stats .st b{display:inline;font-size:clamp(30px,3.4vw,46px);font-weight:700;letter-spacing:-.03em;line-height:1.15;background:linear-gradient(transparent 62%,rgba(200,240,32,.7) 62%)}#Content .bms .stats .st span{display:block;margin-top:14px;font-size:15.5px;color:var(--mu);line-height:1.5}@media(max-width:900px){#Content .bms .stats{grid-template-columns:1fr}#Content .bms .ph img{aspect-ratio:16\/11;border-radius:26px}#Content .bms .float{left:10px;right:10px;max-width:none;bottom:-22px}#Content .bms .hero{padding-bottom:70px}}#Content .bms .fin .ghost{color:#f5f6f1!important}#Content .bms .fin .ghost:hover{background:#f5f6f1!important;color:#10130c!important}<\/style>\n\n\n\n<div class=\"bms\"><section class=\"hero\"><div class=\"wrap hg\">\n<div class=\"hl\">\n<span class=\"chip\">Assurance-vie<\/span>\n<h1>Assurance\u2011vie : disponible quand vous voulez, transmise hors succession.<\/h1>\n<p class=\"sub\">Votre \u00e9pargne reste accessible, ses gains sont all\u00e9g\u00e9s apr\u00e8s huit ans et elle revient \u00e0 vos b\u00e9n\u00e9ficiaires hors succession. Les r\u00e8gles 2026, appliqu\u00e9es \u00e0 votre situation.<\/p>\n<a class=\"bigcta\" id=\"hero-cta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-francaise&amp;utm_content=hero\">Prendre rendez-vous<b><i><\/i><\/b><\/a>\n<a class=\"alt\" href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-francaise\/\">Lire le guide complet de l\u2019assurance-vie<\/a>\n<ul class=\"checks\"><li>Cabinet immatricul\u00e9 \u00e0 l\u2019ORIAS sous le n\u00b0 13003497<\/li><li>Contrats compar\u00e9s parmi 23 compagnies partenaires<\/li><li>R\u00e9ponse du lundi au samedi, sauf le mercredi<\/li><\/ul>\n<p class=\"note\">Vous choisissez un cr\u00e9neau sur le calendrier de Balmont Conseil.<\/p>\n<\/div>\n<div class=\"ph\"><img decoding=\"async\" src=\"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/11\/investissement-qui-rapporte-tous-les-mois-visuel.webp\" width=\"1344\" height=\"752\" alt=\"Fa\u00e7ade d\u2019immeuble \u00e9l\u00e9gant au soleil avec balcons fleuris et ciel bleu\" fetchpriority=\"high\"><div class=\"float\"><strong>Seuls les gains sont impos\u00e9s<\/strong><p>Jamais le capital que vous avez vers\u00e9.<\/p><\/div><\/div>\n<\/div><\/section>\n\n\n<div class=\"band\"><div><b>ORIAS 13003497<\/b><span>Courtier en assurances<\/span><\/div><div><b>Certifi\u00e9 AMF<\/b><span>Conseiller en investissements financiers et immobiliers<\/span><\/div><div><b>Bient\u00f4t 14 ans<\/b><span>de conseil \u00e0 Lyon<\/span><\/div><div><b>23 compagnies<\/b><span>d\u2019assurance et d\u2019\u00e9pargne partenaires<\/span><\/div><\/div>\n\n<section class=\"sec\" style=\"padding-top:clamp(50px,6vw,84px)\"><div class=\"wrap\"><div class=\"hd\"><h2>Les rep\u00e8res 2026<\/h2><\/div><div class=\"stats\"><div class=\"st\"><b>4 600 \u20ac<\/b><span>de gains retir\u00e9s chaque ann\u00e9e sans imp\u00f4t sur le revenu apr\u00e8s huit ans, 9 200 \u20ac pour un couple.<\/span><\/div><div class=\"st\"><b>152 500 \u20ac<\/b><span>transmis sans droits \u00e0 chaque b\u00e9n\u00e9ficiaire, pour les versements faits avant 70 ans.<\/span><\/div><div class=\"st\"><b>17,2 %<\/b><span>de pr\u00e9l\u00e8vements sociaux sur les gains de l\u2019assurance-vie, maintenus en 2026.<\/span><\/div><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Seuls les gains sont impos\u00e9s, jamais le capital vers\u00e9<\/h2><\/div><div class=\"tw\"><table><thead><tr><th>\u00c2ge du contrat<\/th><th>Imp\u00f4t sur les gains<\/th><th>Pr\u00e9l\u00e8vements sociaux<\/th><\/tr><\/thead><tbody><tr><td>Moins de 8 ans<\/td><td><span class=\"g\">12,8 %<\/span><\/td><td>17,2 %<\/td><\/tr><tr><td>8 ans et plus, versements jusqu\u2019\u00e0 150 000 \u20ac<\/td><td>7,5 % apr\u00e8s abattement de 4 600 \u20ac (9 200 \u20ac en couple)<\/td><td>17,2 %<\/td><\/tr><tr><td>8 ans et plus, au-del\u00e0 de 150 000 \u20ac vers\u00e9s<\/td><td>12,8 % apr\u00e8s abattement<\/td><td>17,2 %<\/td><\/tr><\/tbody><\/table><\/div><p class=\"tnote\">Article 125-0 A du CGI. Vous pouvez opter pour le bar\u00e8me de l\u2019imp\u00f4t sur le revenu si votre tranche est plus basse. Un retrait m\u00eale capital et gains : seule la part de gains est tax\u00e9e.<\/p><\/div><\/section>\n<section class=\"sec\" style=\"padding-top:clamp(40px,5vw,70px)\"><div class=\"wrap\"><div class=\"mid\"><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-francaise&amp;utm_content=milieu\">Prendre rendez-vous<b><i><\/i><\/b><\/a><\/div><p class=\"small\">Alexis \u00e9tudie vos contrats et votre situation avant tout conseil.<\/p><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Une transmission hors succession<\/h2><\/div><p class=\"lead\">Chaque b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 profite de ses propres abattements.<\/p><div class=\"c3\"><div class=\"pc\"><h3>Versements avant 70 ans<\/h3><p>Chaque b\u00e9n\u00e9ficiaire re\u00e7oit <strong>152 500 \u20ac<\/strong> sans droits, tous contrats confondus (article 990 I du CGI).<\/p><\/div><div class=\"pc\"><h3>Versements apr\u00e8s 70 ans<\/h3><p>Les versements sont soumis aux droits de succession au-del\u00e0 de <strong>30 500 \u20ac<\/strong>, tous b\u00e9n\u00e9ficiaires confondus. Les gains restent exon\u00e9r\u00e9s (article 757 B du CGI).<\/p><\/div><div class=\"pc\"><h3>Conjoint et partenaire de PACS<\/h3><p>Ils sont <strong>totalement exon\u00e9r\u00e9s<\/strong>, quel que soit le montant (article 796-0 bis du CGI). Une clause d\u00e9membr\u00e9e prot\u00e8ge le conjoint tout en pr\u00e9parant les enfants.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Le contrat, de l\u2019int\u00e9rieur<\/h2><\/div><p class=\"lead\">Ce qu\u2019il contient et comment en changer sans repartir de z\u00e9ro.<\/p><div class=\"c3\"><div class=\"pc\"><h3>Le fonds en euros<\/h3><p>Le capital est garanti par l\u2019assureur et les int\u00e9r\u00eats acquis chaque ann\u00e9e le restent.<\/p><\/div><div class=\"pc\"><h3>Les unit\u00e9s de compte<\/h3><p>Actions, obligations, immobilier, private equity : une gamme qui varie d\u2019un contrat \u00e0 l\u2019autre, tout comme les frais.<\/p><\/div><div class=\"pc\"><h3>Changer sans tout perdre<\/h3><p>Un transfert vers un autre contrat <strong>du m\u00eame assureur<\/strong> conserve l\u2019ant\u00e9riorit\u00e9 fiscale (loi PACTE). Changer d\u2019assureur impose de racheter, puis de r\u00e9investir.<\/p><\/div><\/div><div class=\"risk\"><strong>\u00c0 savoir.<\/strong> La valeur d\u2019un contrat investi en unit\u00e9s de compte n\u2019est pas garantie : elle fluctue \u00e0 la hausse comme \u00e0 la baisse, et vous pouvez perdre une partie du capital investi.<\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Vos questions<\/h2><\/div><div class=\"faq\"><details open><summary>Faut-il fermer une vieille assurance-vie pour en ouvrir une moins ch\u00e8re ?<\/summary><p>Rarement. Un contrat de plus de huit ans vaut par sa date : l\u2019abattement de 4 600 \u20ac par an (9 200 \u20ac en couple) s\u2019applique aux gains retir\u00e9s. Le fermer remet ce compteur \u00e0 z\u00e9ro. Souvent, on garde l\u2019ancien contrat sans l\u2019alimenter, on r\u00e9duit ses frais en changeant de supports et les nouveaux versements vont ailleurs.<\/p><\/details><details><summary>Combien me co\u00fbte r\u00e9ellement mon contrat chaque ann\u00e9e ?<\/summary><p>Trois couches de frais s\u2019additionnent : les frais de gestion du contrat, ceux de chaque support en unit\u00e9s de compte et parfois des frais d\u2019arbitrage. Le relev\u00e9 annuel indique les taux, rarement les montants. Notre comparateur et la radiographie de contrats les chiffrent contrat par contrat.<\/p><\/details><details><summary>Comment r\u00e9diger la clause b\u00e9n\u00e9ficiaire ?<\/summary><p>La clause type \u00ab mon conjoint, \u00e0 d\u00e9faut mes enfants \u00bb convient \u00e0 beaucoup de familles, mais pas \u00e0 toutes : familles recompos\u00e9es, enfant \u00e0 prot\u00e9ger, petits-enfants. Elle se modifie \u00e0 tout moment tant qu\u2019elle n\u2019a pas \u00e9t\u00e9 accept\u00e9e par le b\u00e9n\u00e9ficiaire.<\/p><\/details><details><summary>Que devient mon assurance-vie si je pars vivre \u00e0 l\u2019\u00e9tranger ?<\/summary><p>Le contrat continue : il n\u2019y a rien \u00e0 fermer. Ce qui change, ce sont les r\u00e8gles du pays d\u2019arriv\u00e9e et celles de l\u2019assureur, qui peut refuser de nouveaux versements depuis certains pays. Avant un d\u00e9part, un contrat luxembourgeois m\u00e9rite d\u2019\u00eatre regard\u00e9.<\/p><\/details><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Pour aller plus loin<\/h2><\/div><div class=\"links\"><a href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-francaise\/\"><strong>Guide assurance-vie fran\u00e7aise<\/strong><span>Fiscalit\u00e9, transmission, supports : le dossier complet.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/ressources\/simulateur-assurance-vie\/\"><strong>Simulateur assurance-vie<\/strong><span>Capital, plus-value et fiscalit\u00e9 r\u00e9elle apr\u00e8s 8 ans.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/comparateur-frais-assurance-vie\/\"><strong>Comparateur de frais<\/strong><span>Ce que vos contrats vous co\u00fbtent chaque ann\u00e9e.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/assurance-vie-abattement-annuel-4-600-et-9-200-euros\/\"><strong>Abattement de 4 600 \u20ac et 9 200 \u20ac<\/strong><span>Comment il s\u2019applique \u00e0 vos retraits.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/assurance-vie-deces-article-990-i-ou-757-b\/\"><strong>Article 990 I ou 757 B<\/strong><span>Ce qui change selon l\u2019\u00e2ge au versement.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-luxembourgeoise\/\"><strong>Assurance-vie luxembourgeoise<\/strong><span>M\u00eame fiscalit\u00e9 pour un r\u00e9sident fran\u00e7ais, protection diff\u00e9rente.<\/span><em>Lire \u2192<\/em><\/a><\/div><\/div><\/section>\n<section class=\"fin\"><img decoding=\"async\" src=\"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/10\/alexis-sagnier-fondateur-balmont-conseil.webp\" width=\"900\" height=\"1200\" alt=\"Alexis Sagnier, fondateur de Balmont Conseil\"><div><h2>Vos contrats existent d\u00e9j\u00e0. Voyons ce qu\u2019ils vous co\u00fbtent.<\/h2><p>Alexis Sagnier, conseiller en investissements financiers et immobiliers, courtier en assurances, certifi\u00e9 AMF. Il r\u00e9pond du lundi au samedi, sauf le mercredi.<\/p><\/div><div><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-francaise&amp;utm_content=final\">Prendre rendez-vous<b><i><\/i><\/b><\/a><a class=\"ghost\" href=\"https:\/\/balmontconseil.com\/comparateur-frais-assurance-vie\/\">Comparer les frais<\/a><\/div><\/section>\n<p class=\"foot\">Informations g\u00e9n\u00e9rales, qui ne remplacent pas une \u00e9tude personnalis\u00e9e : les r\u00e8gles fiscales \u00e9voluent, v\u00e9rifiez-les \u00e0 la date de votre op\u00e9ration.<br>Balmont Conseil SASU \u00b7 80 rue Docteur Edmond Locard, B\u00e2timent C2, 69005 Lyon \u00b7 ORIAS 13003497<\/p>\n<div class=\"stk\" id=\"stk\"><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-francaise&amp;utm_content=mobile-sticky\">Prendre rendez-vous<b><i><\/i><\/b><\/a><\/div>\n<script>(function(){var s=document.getElementById('stk'),h=document.getElementById('hero-cta');if(!s||!h)return;function f(){s.classList.toggle('on',h.getBoundingClientRect().bottom<0)}addEventListener('scroll',f,{passive:true});f()})();<\/script>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Assurance-vie Assurance\u2011vie : disponible quand vous voulez, transmise hors succession. Votre \u00e9pargne reste accessible, ses gains sont all\u00e9g\u00e9s apr\u00e8s huit ans et elle revient \u00e0 vos b\u00e9n\u00e9ficiaires hors succession. Les r\u00e8gles 2026,<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"mfn-post-hide-title":"","footnotes":""},"class_list":["post-16707","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16707","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/comments?post=16707"}],"version-history":[{"count":3,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16707\/revisions"}],"predecessor-version":[{"id":16729,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16707\/revisions\/16729"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=16707"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}