{"id":881,"date":"2025-09-26T03:51:56","date_gmt":"2025-09-26T03:51:56","guid":{"rendered":"http:\/\/www.mutuelle-mat.fr\/blog\/ou-souscrire-un-contrat-dassurance-vie\/881.html"},"modified":"2025-09-26T03:51:56","modified_gmt":"2025-09-26T03:51:56","slug":"ou-souscrire-un-contrat-dassurance-vie","status":"publish","type":"post","link":"http:\/\/www.mutuelle-mat.fr\/blog\/ou-souscrire-un-contrat-dassurance-vie\/881.html","title":{"rendered":"Ou souscrire un contrat d&rsquo;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=\"Ou souscrire un contrat d'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-6a97c58291f27\" 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-6a97c58291f27\"  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\/ou-souscrire-un-contrat-dassurance-vie\/881.html\/#Ou_souscrire_un_contrat_dassurance_vie\" >Ou souscrire un contrat d&rsquo;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\/ou-souscrire-un-contrat-dassurance-vie\/881.html\/#Comment_optimiser_les_frais_dassurance-vie\" >Comment optimiser les frais d\u2019assurance-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\/ou-souscrire-un-contrat-dassurance-vie\/881.html\/#Comment_choisir_un_contrat_dassurance_vie_MAAF\" >Comment choisir un contrat d\u2019assurance vie MAAF?<\/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\/ou-souscrire-un-contrat-dassurance-vie\/881.html\/#Quelle_est_la_fiscalite_de_lassurance_vie\" >Quelle est la fiscalit\u00e9 de l\u2019assurance 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\/ou-souscrire-un-contrat-dassurance-vie\/881.html\/#Quelle_est_lassurance-vie\" >Quelle est l\u2019assurance-vie?<\/a><\/li><\/ul><\/nav><\/div>\n<h3 id=\"question-0\"><span class=\"ez-toc-section\" id=\"Ou_souscrire_un_contrat_dassurance_vie\"><\/span>Ou souscrire un contrat d&rsquo;assurance vie ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>O\u00f9 souscrire \u00e0 une assurance vie ?<\/p>\n<ul>\n<li>Des banques et assureurs traditionnels,<\/li>\n<li>Des banques en ligne,<\/li>\n<li>Des associations d&rsquo;\u00e9pargnants,<\/li>\n<li>Des cabinets de conseil en gestion de patrimoine,<\/li>\n<li>Des courtiers.<\/li>\n<\/ul>\n<h3 id=\"question-1\"><span class=\"ez-toc-section\" id=\"Comment_optimiser_les_frais_dassurance-vie\"><\/span>Comment optimiser les frais d\u2019assurance-vie?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Les frais, c\u2019est tout ce que l\u2019on ma\u00eetrise quand on signe le contrat. Donc autant optimiser ce point, surtout que ces frais p\u00e8seront lourd sur la performance \u00e0 long terme de votre assurance-vie. Les performances quant \u00e0 elles, que ce soit des fonds euros ou UC, sont impr\u00e9visibles donc non ma\u00eetrisables. <\/li>\n<\/ul>\n<h3 id=\"question-2\"><span class=\"ez-toc-section\" id=\"Comment_choisir_un_contrat_dassurance_vie_MAAF\"><\/span>Comment choisir un contrat d\u2019assurance vie MAAF?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Un bon moyen de choisir un contrat est d\u2019analyser les taux d\u2019assurance vie pratiqu\u00e9s l\u2019ann\u00e9e pr\u00e9c\u00e9dente ainsi que l\u2019\u00e9volution sur les 2 ann\u00e9es pass\u00e9es. Notre zoom sur les taux d\u2019assurance vie de Maaf : Si vous choisissez un mode de gestion soumis \u00e0 des frais, assurez-vous que les taux de rendement annonc\u00e9s s\u2019expriment en net. <\/li>\n<\/ul>\n<h3 id=\"question-3\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_fiscalite_de_lassurance_vie\"><\/span>Quelle est la fiscalit\u00e9 de l\u2019assurance vie?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>La fiscalit\u00e9 de l\u2019assurance vie Maaf se distingue par trois grands types de frais : les frais d\u2019entr\u00e9e (ou sur versements), les frais de gestion et les frais d\u2019unit\u00e9 de compte (ces derniers correspondent aux frais ponctionn\u00e9s sur le montant de l\u2019enveloppe). Il convient de bien \u00e9tudier ces diff\u00e9rents co\u00fbts au moment de la souscription. <\/li>\n<\/ul>\n<h3 id=\"question-4\"><span class=\"ez-toc-section\" id=\"Quelle_est_lassurance-vie\"><\/span>Quelle est l\u2019assurance-vie?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>L\u2019assurance-vie est un produit d\u2019\u00e9pargne pr\u00e9sentant de nombreux avantages en mati\u00e8re de fiscalit\u00e9. Que cela soit pour placer de l\u2019argent, \u00e9pargner ou encore optimiser la transmission de son capital, il peut s\u2019av\u00e9rer tr\u00e8s avantageux. <\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ou souscrire un contrat d&rsquo;assurance vie ? O\u00f9 souscrire \u00e0 une assurance vie ? Des banques et assureurs traditionnels, Des banques en ligne, Des associations d&rsquo;\u00e9pargnants, Des cabinets de conseil en gestion de patrimoine, Des courtiers. Comment optimiser les frais d\u2019assurance-vie? Les frais, c\u2019est tout ce que l\u2019on ma\u00eetrise quand<\/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-881","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\/881","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=881"}],"version-history":[{"count":0,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/posts\/881\/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=881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/categories?post=881"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.mutuelle-mat.fr\/blog\/wp-json\/wp\/v2\/tags?post=881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}