{"id":137,"date":"2026-09-24T14:07:04","date_gmt":"2026-09-24T14:07:04","guid":{"rendered":"https:\/\/daymaxawealth.com\/?page_id=137"},"modified":"2026-09-24T18:54:36","modified_gmt":"2026-09-24T18:54:36","slug":"infinite-banking","status":"publish","type":"page","link":"https:\/\/daymaxawealth.com\/fr\/infinite-banking\/","title":{"rendered":"Infinite Banking"},"content":{"rendered":"
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Infinite Banking<\/div>\n\n

\n Comprendre l\u2019Infinite Banking avant de d\u00e9cider s\u2019il convient \u00e0 votre plan.\n <\/h1>\n\n

\n L\u2019Infinite Banking utilise la valeur de rachat d\u2019une police d\u2019assurance vie enti\u00e8re avec participation dans le cadre d\u2019une strat\u00e9gie financi\u00e8re \u00e0 long terme. Elle peut \u00eatre utile dans la bonne situation, mais ce n\u2019est pas un compte bancaire et elle ne convient pas \u00e0 tout le monde.\n <\/p>\n\n

\n \n Voir si cela convient \u00e0 votre plan\n <\/a>\n <\/div>\n <\/div>\n\n
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Comment \u00e7a fonctionne<\/div>\n\n

\n Une strat\u00e9gie d\u2019assurance \u00e0 long terme donnant acc\u00e8s \u00e0 une valeur de rachat.\n <\/h2>\n\n

\n Les polices d\u2019assurance vie enti\u00e8re avec participation peuvent accumuler une valeur de rachat au fil du temps. Selon l\u2019assureur et la police, le titulaire peut avoir acc\u00e8s \u00e0 des fonds au moyen de retraits, d\u2019avances sur police ou de pr\u00eats garantis par la police.\n <\/p>\n\n

\n Le concept est souvent pr\u00e9sent\u00e9 comme un moyen d\u2019avoir plus de contr\u00f4le sur son financement, mais l\u2019acc\u00e8s \u00e0 la valeur de la police peut entra\u00eener des int\u00e9r\u00eats, des cons\u00e9quences fiscales, une r\u00e9duction de la valeur de rachat ou de la prestation de d\u00e9c\u00e8s. Le rendement de la police, les participations et les co\u00fbts doivent \u00eatre examin\u00e9s avec soin.\n <\/p>\n <\/div>\n\n

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\u00c9l\u00e9ments cl\u00e9s<\/div>\n\n

\n Ce qu\u2019il faut comprendre avant d\u2019envisager cette strat\u00e9gie.\n <\/h2>\n\n

\n D\u00e9couvrez les principaux \u00e9l\u00e9ments de la strat\u00e9gie et ce que vous devez comprendre avant de d\u00e9cider si elle convient \u00e0 votre situation.\n <\/p>\n\n

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\n 01<\/span>\n

Assurance vie enti\u00e8re<\/h3>\n

\n La strat\u00e9gie repose g\u00e9n\u00e9ralement sur une police d\u2019assurance vie enti\u00e8re permanente avec participation, con\u00e7ue pour offrir une protection d\u2019assurance \u00e0 vie.\n <\/p>\n <\/article>\n\n

\n 02<\/span>\n

Valeur de rachat<\/h3>\n

\n Une partie de la valeur de la police peut s\u2019accumuler au fil du temps, selon le contrat et le rendement de l\u2019assureur.\n <\/p>\n <\/article>\n\n

\n 03<\/span>\n

Acc\u00e8s aux fonds<\/h3>\n

\n La valeur de la police peut \u00eatre utilis\u00e9e de diff\u00e9rentes fa\u00e7ons. Chaque m\u00e9thode peut entra\u00eener des co\u00fbts, des incidences fiscales et des effets diff\u00e9rents sur la police.\n <\/p>\n <\/article>\n\n

\n 04<\/span>\n

Protection d\u2019assurance<\/h3>\n

\n La police demeure avant tout un contrat d\u2019assurance vie. Les besoins de couverture doivent donc \u00eatre pris en compte avant les objectifs de financement.\n <\/p>\n <\/article>\n\n

\n 05<\/span>\n

Engagement \u00e0 long terme<\/h3>\n

\n Les polices d\u2019assurance vie enti\u00e8re peuvent exiger un engagement important et soutenu au chapitre des primes. Une r\u00e9siliation h\u00e2tive peut donner des r\u00e9sultats d\u00e9cevants.\n <\/p>\n <\/article>\n\n

\n 06<\/span>\n

Suivi r\u00e9gulier<\/h3>\n

\n Les valeurs de la police, les emprunts, les primes et l\u2019\u00e9volution des objectifs financiers doivent \u00eatre revus r\u00e9guli\u00e8rement.\n <\/p>\n <\/article>\n\n <\/div>\n\n <\/div>\n <\/section>\n\n\n \n

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Pourquoi certaines personnes l\u2019envisagent<\/h2>\n

\n Certains clients appr\u00e9cient la protection d\u2019assurance permanente, la valeur de rachat \u00e0 long terme, une \u00e9pargne disciplin\u00e9e et la possibilit\u00e9 d\u2019acc\u00e9der \u00e0 la valeur de la police selon le contrat.\n <\/p>\n <\/article>\n\n

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Compromis importants<\/h2>\n

\n Il faut tenir compte de l\u2019engagement au chapitre des primes, des co\u00fbts d\u2019emprunt, de la structure de la police, de la liquidit\u00e9, du traitement fiscal et du co\u00fbt d\u2019opportunit\u00e9 par rapport \u00e0 d\u2019autres approches d\u2019\u00e9pargne ou de placement.\n <\/p>\n <\/article>\n\n <\/div>\n\n <\/div>\n <\/section>\n\n\n \n

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La pertinence d\u2019abord<\/div>\n\n

\n Partez de vos besoins financiers, et non du nom de la strat\u00e9gie.\n <\/h2>\n\n
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Besoin de protection<\/h3>\n

\n Une assurance vie permanente est-elle appropri\u00e9e pour votre famille, votre succession ou vos objectifs d\u2019affaires?\n <\/p>\n <\/article>\n\n

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Flux de tr\u00e9sorerie<\/h3>\n

\n Pouvez-vous maintenir confortablement l\u2019engagement de primes requis \u00e0 long terme?\n <\/p>\n <\/article>\n\n

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Solutions de rechange<\/h3>\n

\n Comment cette approche se compare-t-elle au REER, au CELI, au remboursement de dettes, aux placements et aux options de financement traditionnelles \u00e0 votre disposition?\n <\/p>\n <\/article>\n\n <\/div>\n\n <\/div>\n <\/section>\n\n\n \n

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Vous voulez savoir si l\u2019Infinite Banking a du sens pour vous?<\/h2>\n

\n Nous pouvons vous expliquer son fonctionnement, ses co\u00fbts et la fa\u00e7on dont elle se compare aux autres options que vous envisagez peut-\u00eatre d\u00e9j\u00e0.\n <\/p>\n <\/div>\n

\n \n Nous joindre\n <\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n\n<\/main>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Infinite Banking Understand Infinite Banking before deciding if it fits your plan. Infinite Banking uses the cash value inside a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-137","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/pages\/137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/comments?post=137"}],"version-history":[{"count":0,"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/pages\/137\/revisions"}],"wp:attachment":[{"href":"https:\/\/daymaxawealth.com\/fr\/wp-json\/wp\/v2\/media?parent=137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}