{"id":1221,"date":"2025-10-22T03:56:10","date_gmt":"2025-10-22T03:56:10","guid":{"rendered":"https:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html"},"modified":"2025-10-22T03:56:10","modified_gmt":"2025-10-22T03:56:10","slug":"quelle-condition-pour-ouvrir-une-assurance-vie","status":"publish","type":"post","link":"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html","title":{"rendered":"Quelle condition pour ouvrir une assurance vie ?"},"content":{"rendered":"<p>                                        <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/byp2tw0_jhU\/hq720.jpg?sqp=-oaymwEcCOgCEMoBSFXyq4qpAw4IARUAAIhCGAFwAcABBg==&#038;rs=AOn4CLA7-fOy0DMfOeFzHgAxDhR07_oQ-w\" alt=\"Quelle condition pour ouvrir une assurance vie ?\"><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaires<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ab1424ea3a1b\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ab1424ea3a1b\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#Quelle_condition_pour_ouvrir_une_assurance_vie\" >Quelle condition pour ouvrir une assurance vie ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#Quand_souscrire_a_une_assurance_vie\" >Quand souscrire \u00e0 une assurance vie ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#Comment_mettre_de_largent_sur_une_assurance_vie\" >Comment mettre de l&rsquo;argent sur une assurance vie ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#Quel_interet_de_garder_une_assurance_vie\" >Quel int\u00e9r\u00eat de garder une assurance vie ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#What_are_Assurance_vie_and_assuranceassurance_France\" >What are Assurance vie and assuranceassurance France?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#What_currencies_can_I_invest_in_with_an_Assurance_vie\" >What currencies can I invest in with an Assurance vie?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#What_language_will_the_Assurance_vie_agreements_be_written_in\" >What language will the Assurance vie agreements be written in?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.mutuelle-mat.fr\/blog\/quelle-condition-pour-ouvrir-une-assurance-vie\/1221.html\/#Should_I_set_up_an_Assurance_vie_If_I_am_over_70\" >Should I set up an Assurance vie If I am over 70?<\/a><\/li><\/ul><\/nav><\/div>\n<h3 id=\"question-0\"><span class=\"ez-toc-section\" id=\"Quelle_condition_pour_ouvrir_une_assurance_vie\"><\/span>Quelle condition pour ouvrir une assurance vie ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Toute personne physique peut ouvrir un contrat d&rsquo;assurance vie. Il n&rsquo;y a donc pas de condition d&rsquo;\u00e2ge.<\/p>\n<h3 id=\"question-1\"><span class=\"ez-toc-section\" id=\"Quand_souscrire_a_une_assurance_vie\"><\/span>Quand souscrire \u00e0 une assurance vie ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C&rsquo;est l&rsquo;\u00e2ge du contrat qui compte, et non la date des sommes investies dessus. Il est donc pertinent d&rsquo;ouvrir au plus t\u00f4t, quitte \u00e0 alimenter votre assurance-vie seulement quand elle atteindra ses 4 ans (ou encore mieux, 8 ans).<\/p>\n<\/p>\n<h3 id=\"question-2\"><span class=\"ez-toc-section\" id=\"Comment_mettre_de_largent_sur_une_assurance_vie\"><\/span>Comment mettre de l&rsquo;argent sur une assurance vie ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Effectuer un versement<\/p>\n<li>Vous pouvez vous y rendre et remettre le montant \u00e0 d\u00e9poser contre re\u00e7u en esp\u00e8ces (maximum 1 000 \u20ac) ou par ch\u00e8que \u00e0 l&rsquo;ordre de l&rsquo;assureur.<\/li>\n<li>Vous pouvez y adresser un courrier comportant vos noms, pr\u00e9nom(s) et adresse, ainsi que le num\u00e9ro du contrat sur lequel vous souhaitez effectuer le versement.<\/li>\n<h3 id=\"question-3\"><span class=\"ez-toc-section\" id=\"Quel_interet_de_garder_une_assurance_vie\"><\/span>Quel int\u00e9r\u00eat de garder une assurance vie ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L&rsquo;assurance vie en euros rapporte deux fois plus que l&rsquo;inflation. L&rsquo;assurance vie en euros reste le placement sans risques le plus rentable. Les contrats prim\u00e9s par Le Revenu ont rapport\u00e9 en moyenne, en 2017, 2,3% brut, soit 1,94% net de pr\u00e9l\u00e8vements sociaux.<\/p>\n<h3 id=\"question-4\"><span class=\"ez-toc-section\" id=\"What_are_Assurance_vie_and_assuranceassurance_France\"><\/span>What are Assurance vie and assuranceassurance France?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Assurance vie are available as a French investment product, but they are also available from Luxemburg, and both products can provide excellent tax advantages to people looking to make investments while living in France. <\/li>\n<\/ul>\n<h3 id=\"question-5\"><span class=\"ez-toc-section\" id=\"What_currencies_can_I_invest_in_with_an_Assurance_vie\"><\/span>What currencies can I invest in with an Assurance vie?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>The jurisdiction of the Assurance Vie will determine whether you can invest only in euros or alternative currencies. At this time, a French assurance vie is only available in euros, however assurance vie from Luxemburg are flexible which means that you can invest in euros, sterling or US dollars. <\/li>\n<\/ul>\n<h3 id=\"question-6\"><span class=\"ez-toc-section\" id=\"What_language_will_the_Assurance_vie_agreements_be_written_in\"><\/span>What language will the Assurance vie agreements be written in?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>This will depend on the jurisdiction of the Assurance Vie itself. All French Assurance Vie agreements and contracts will be written in French. However, Luxemburg Assurance Vie agreements can be written in English. I don&rsquo;t want to take investment risk with my money? <\/li>\n<\/ul>\n<h3 id=\"question-7\"><span class=\"ez-toc-section\" id=\"Should_I_set_up_an_Assurance_vie_If_I_am_over_70\"><\/span>Should I set up an Assurance vie If I am over 70?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Even if you are over 70, there are also still some advantages to setting up an assurance vie. For over 70s your beneficiaries will not receive the above allowances, however, the first \u20ac30,500 will still be tax free. <\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Quelle condition pour ouvrir une assurance vie ? Toute personne physique peut ouvrir un contrat d&rsquo;assurance vie. Il n&rsquo;y a donc pas de condition d&rsquo;\u00e2ge. Quand souscrire \u00e0 une assurance vie ? C&rsquo;est l&rsquo;\u00e2ge du contrat qui compte, et non la date des sommes investies dessus. Il est donc pertinent<\/p>\n","protected":false},"author":1,"featured_media":882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance"],"_links":{"self":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/1221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/comments?post=1221"}],"version-history":[{"count":0,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/1221\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/media\/882"}],"wp:attachment":[{"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/media?parent=1221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/categories?post=1221"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/tags?post=1221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}