{"id":30643,"date":"2024-07-29T11:52:00","date_gmt":"2024-07-29T09:52:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=30643"},"modified":"2024-12-05T19:28:51","modified_gmt":"2024-12-05T17:28:51","slug":"anticiper-demarches-deces","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-demarches-deces\/","title":{"rendered":"J'anticipe les d\u00e9marches en lien avec le d\u00e9c\u00e8s"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s est une \u00e9tape importante qui peut apporter de nombreux avantages pour vous et vos proches. Bien que ce sujet puisse sembler difficile \u00e0 aborder, il est crucial de s'en occuper. D\u00e9couvrez pourquoi et comment pr\u00e9parer cette \u00e9tape de mani\u00e8re sereine et efficace.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les 4 bonnes raisons d'anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/hrWqRVeEEuQ?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"4 bonnes raisons d&amp;apos;anticiper les d\u00e9marches en lien avec le d\u00e9c\u00e8s\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pfff\u2026 Pas folichon tout \u00e7a mais n\u00e9cessaire\u202f!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quand vous vous sentez pr\u00eat et si vous en ressentez le besoin, vous pouvez mettre vos affaires au clair. Cela pr\u00e9sente certains avantages. Et \u00e7a ne raccourcit pas votre esp\u00e9rance de vie !&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Soulager vos proches<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Conjoint et enfants seront dans la peine, et parfois, en d\u00e9saccord dans cette p\u00e9riode de deuil. Pr\u00e9voir un maximum de choses permet d\u2019<strong>\u00e9viter<em> <\/em>les tensions et les d\u00e9cisions difficiles<\/strong>. Et tout sera <strong>conforme \u00e0 votre volont\u00e9<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Organiser la transmission de vos biens&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Anticipez pour pr\u00e9server les droits de chacun<\/strong> et aussi par exemple, <strong>aider celui qui en a le plus besoin<\/strong>, tout d\u00e9pend de votre situation. En plus, \u00e7a permet souvent d'<strong>\u00e9taler les frais de succession<\/strong> !&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. All\u00e9ger les formalit\u00e9s administratives&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup d\u2019organismes doivent \u00eatre pr\u00e9venus du <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/les-demarches-en-cas-de-deces\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>d\u00e9c\u00e8s<\/strong><\/a> et notamment la <strong>banque<\/strong>. S\u2019organiser un peu permettra de faciliter tout cela pour vos proches.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Organiser vos obs\u00e8ques selon vos souhaits&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e9rer soi-m\u00eame ses fun\u00e9railles, c\u2019est choisir dans <strong>les d\u00e9tails<\/strong> et<strong> r\u00e9gler les frais d\u2019avance<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Convaincu\u202f? Il n\u2019y a plus qu\u2019\u00e0\u202f!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les cl\u00e9s pour anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/mQh11e_jzH4?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Les cl\u00e9s pour anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous aussi vous \u00eates convaincu qu\u2019il vaut mieux <strong>anticiper les d\u00e9marches en lien avec le d\u00e9c\u00e8s<\/strong>\u202f? Voici comment proc\u00e9der\u202f!&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u202f- Rencontrer un notaire &nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez un bien immobilier, des biens de valeur\u202f? Un enfant handicap\u00e9\u202f? Une famille recompos\u00e9e\u202f? Vous souhaitez pr\u00e9server votre conjoint\u202f? Le notaire vous aidera avec des <strong>solutions adapt\u00e9es : donation, donation-partage, d\u00e9membrement de propri\u00e9t\u00e9, testament<\/strong>\u2026&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\u202f- Rencontrer son banquier&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4t\u00e9 argent, pas mal de produits existent pour<strong> prot\u00e9ger les finances de vos proches, apr\u00e8s votre d\u00e9c\u00e8s<\/strong>, notamment si vous avez des enfants\u202f: <strong>rente \u00e9ducation<\/strong> pour leurs \u00e9tudes, <strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/quelle-assurance-vie-choisir\/\" target=\"_blank\">assurance-vie<\/a><\/strong> pour leur apporter un capital, ou <strong>assurance-d\u00e9c\u00e8s<\/strong> pour limiter les dettes successorales\u2026&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3 - Pr\u00e9parer une liste de contacts&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreux organismes devront \u00eatre pr\u00e9venus du d\u00e9c\u00e8s\u202f: <strong>S\u00e9curit\u00e9 sociale, notaire, caisse de retraite<\/strong>\u2026 mais pas que\u202f! Listez\u202f:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vos produits bancaires, votre \u00e9pargne salariale et de retraite, vos assurances, vos pr\u00eats\u2026&nbsp;;<\/li><li>vos diff\u00e9rents abonnements ;<\/li><li>les informations concernant votre bail, etc.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour chacun,<strong> notez les coordonn\u00e9es et vos r\u00e9f\u00e9rences clients<\/strong>. Tenez cette liste \u00e0 jour et faites-en sorte que vos proches puissent la trouver facilement le moment venu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et si vous avez une petite entreprise\u202f: idem.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4\u202f- Souscrire \u00e9ventuellement un contrat obs\u00e8ques ?&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019id\u00e9e, c\u2019est d\u2019\u00e9pargner \u00e0 vos proches la pr\u00e9paration de la c\u00e9r\u00e9monie. Vous pourrez <strong>choisir le type de service<\/strong>, et surtout <strong>payer d\u2019avance<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous voil\u00e0 pr\u00eat pour continuer \u00e0 profiter de la vie, en toute s\u00e9r\u00e9nit\u00e9\u202f!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Outil pratique pour faciliter les d\u00e9marches de vos proches<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour faciliter les d\u00e9marches de vos proches apr\u00e8s votre d\u00e9c\u00e8s, vous pouvez pr\u00e9parer une liste des organismes \u00e0 pr\u00e9venir : bailleur, cr\u00e9anciers, employeur, caisse de retraite, imp\u00f4ts, banque, ou encore abonnements num\u00e9riques, etc. On vous propose ici un mod\u00e8le de tableau qui peut vous servir de trame, \u00e0 compl\u00e9ter en fonction de votre situation.  Cet outil personnalisable donne, \u00e0 vos proches, des exemples de d\u00e9marches pour faire valoir leurs droits, s'il y a lieu. <\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">LISTE-CONTACTS-PREPA-DECES<\/p><p class=\"postAttachment__fileSize\">63,1 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;LISTE-CONTACTS-PREPA-DECES&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"LISTE-CONTACTS-PREPA-DECES\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/12\/LISTE-CONTACTS-PREPA-DECES.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger LISTE-CONTACTS-PREPA-DECES<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"lzfpjabl\">Quiz<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avez-vous bien suivi le module \"<strong>J'anticipe les d\u00e9marches en lien avec le d\u00e9c\u00e8s<\/strong>\" ?<br>Testez vos connaissances avec notre quiz rapide pour tout r\u00e9capituler. Pr\u00eat ? C'est parti !<\/p>\n\n\n<section class=\"quizBlock quizBlock--step\" data-wp-interactive=\"cdb\/quiz\" data-wp-context=\"{&quot;displayMode&quot;:&quot;step&quot;,&quot;shuffleQuestions&quot;:false,&quot;shuffleAnswers&quot;:false,&quot;intervals&quot;:[{&quot;uid&quot;:&quot;i1&quot;,&quot;min&quot;:0,&quot;max&quot;:69,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;Oups !\\nCe n\\u0027est pas encore \u00e7a ... Mais ne vous d\u00e9couragez pas ! Prenez un moment pour r\u00e9viser les concepts cl\u00e9s de l\\u0027anticipation des d\u00e9marches en lien avec le d\u00e9c\u00e8s ! Consultez notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/08\/Recap-quiz-anticiper-demarches-deces.pdf\\u0022\\u003Er\u00e9capitulatif\\u003C\/a\\u003E pour renforcer vos connaissances et mettre clair vos affaires.&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;},{&quot;uid&quot;:&quot;i2&quot;,&quot;min&quot;:70,&quot;max&quot;:100,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;F\u00e9licitations !\\nVous avez obtenu un tr\u00e8s bon score au quiz sur l\\u0027anticipation des d\u00e9marches en lien avec le d\u00e9c\u00e8s ! Consultez notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/08\/Recap-quiz-anticiper-demarches-deces.pdf\\u0022\\u003Er\u00e9capitulatif\\u003C\/a\\u003E pour aller encore plus loin !&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;}],&quot;labels&quot;:{&quot;questionCounter&quot;:&quot;Question {current} sur {total}&quot;,&quot;previous&quot;:&quot;Pr\u00e9c\u00e9dent&quot;,&quot;next&quot;:&quot;Suivant&quot;,&quot;submit&quot;:&quot;Voir mon r\u00e9sultat&quot;,&quot;restart&quot;:&quot;Recommencer le quiz&quot;,&quot;answerRequired&quot;:&quot;S\u00e9lectionnez au moins une r\u00e9ponse pour continuer.&quot;,&quot;score&quot;:&quot;Votre score : {score} \/ {total}&quot;,&quot;recapTitle&quot;:&quot;D\u00e9tail de vos r\u00e9ponses&quot;,&quot;correct&quot;:&quot;Bonne r\u00e9ponse&quot;,&quot;incorrect&quot;:&quot;Mauvaise r\u00e9ponse&quot;,&quot;expectedAnswers&quot;:&quot;R\u00e9ponse attendue :&quot;,&quot;check&quot;:&quot;Valider ma r\u00e9ponse&quot;}}\" data-wp-init=\"callbacks.init\"><div class=\"quizBlock__intro\">Anticiper les formalit\u00e9s li\u00e9es au d\u00e9c\u00e8s constitue une d\u00e9marche essentielle offrant de multiples avantages pour soi-m\u00eame et ses proches. M\u00eame si le sujet peut para\u00eetre d\u00e9licat, il est imp\u00e9ratif de le traiter. Ce quiz vous permettra de revoir les principaux aspects.<\/div><noscript><p class=\"quizBlock__noscript\">Ce quiz n\u00e9cessite JavaScript pour \u00eatre valid\u00e9 et corrig\u00e9.<\/p><\/noscript><div class=\"quizBlock__progress\" hidden><p class=\"quizBlock__progressText\" aria-live=\"polite\"><\/p><div class=\"quizBlock__progressBar\" role=\"progressbar\" aria-valuemin=\"0\" aria-valuemax=\"5\" aria-valuenow=\"0\"><div class=\"quizBlock__progressFill\"><\/div><\/div><\/div><form class=\"quizBlock__form\" novalidate data-wp-on--submit=\"actions.submit\" data-wp-on--change=\"actions.change\"><fieldset class=\"quizBlock__question\" data-question-uid=\"q142\" data-type=\"multiple\"><legend class=\"quizBlock__legend\">A quoi sert d'anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s ?\u00a0\u00a0\r\n\r\n\u00a0<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"checkbox\" name=\"quiz23-q142\" value=\"a419\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Soulager ses proches<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"checkbox\" name=\"quiz23-q142\" value=\"a420\" data-correct=\"0\"><span class=\"quizBlock__answerText\">R\u00e9duire l\u2019imp\u00f4t sur le revenu<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"checkbox\" name=\"quiz23-q142\" value=\"a423\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Facilter les d\u00e9marches administratives<\/span><\/label><\/li><\/ul><button type=\"button\" class=\"quizBlock__button quizBlock__button--check\" data-wp-on--click=\"actions.check\" disabled><\/button><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Exact !\r\n\r\nEn effet\u202f: pr\u00e9voir un maximum de choses permet d\u2019\u00e9viter les tensions et les d\u00e9cisions difficiles pour les proches. Et une bonne organisation en amont permettra de leur faciliter les d\u00e9marches administratives.\u00a0<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q143\" data-type=\"single\"><legend class=\"quizBlock__legend\">Quel contrat permet de pr\u00e9voir et organiser ses obs\u00e8ques ?\u00a0\r\n\r\n\u00a0<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q143\" value=\"a424\" data-correct=\"0\"><span class=\"quizBlock__answerText\">La procuration<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q143\" value=\"a425\" data-correct=\"0\"><span class=\"quizBlock__answerText\">La d\u00e9claration de succession<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q143\" value=\"a426\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Le contrat de pr\u00e9voyance obs\u00e8ques<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Exact !\r\n\r\nSi on souhaite tout pr\u00e9voir ou \u00eatre s\u00fbr que ses volont\u00e9s seront respect\u00e9es, le contrat obs\u00e8ques est tout indiqu\u00e9\u202f: c\u00e9r\u00e9monie, emplacement\u2026 La procuration devient caduque avec le d\u00e9c\u00e8s du mandant. Le mandataire ne peut donc plus rien faire.\u00a0<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q144\" data-type=\"multiple\"><legend class=\"quizBlock__legend\">Pourquoi organiser \u00e0 l'avance la transmission de ses biens ?\u00a0\r\n\r\n\u00a0<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"checkbox\" name=\"quiz23-q144\" value=\"a427\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Pour limiter les frais de succession<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"checkbox\" name=\"quiz23-q144\" value=\"a428\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Pour b\u00e9n\u00e9ficier de r\u00e9duction sur un prochain achat immobilier<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"checkbox\" name=\"quiz23-q144\" value=\"a429\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Pour pr\u00e9server les droits de chaque h\u00e9ritier et aider l\u2019un si besoin<\/span><\/label><\/li><\/ul><button type=\"button\" class=\"quizBlock__button quizBlock__button--check\" data-wp-on--click=\"actions.check\" disabled><\/button><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Exact !\r\n\r\nPar d\u00e9faut, le patrimoine est transmis selon un ordre successoral pr\u00e9cis. On peut cependant, et dans une certaine mesure, pr\u00e9voir autre chose, en cas d\u2019enfant handicap\u00e9 par exemple. Par ailleurs, donner des biens avant son d\u00e9c\u00e8s peut permettre de r\u00e9duire les frais.\u00a0<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q145\" data-type=\"single\"><legend class=\"quizBlock__legend\">Quel professionnel consulter pour organiser la transmission de ses biens ?\u00a0 \r\n\r\n\u00a0<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q145\" value=\"a430\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Un banquier<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q145\" value=\"a431\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Un avocat<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q145\" value=\"a432\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Un notaire<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q145\" value=\"a433\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Un conseiller fiscal<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Exact !\r\n\r\nLe notaire est le professionnel du patrimoine et du droit de la famille. Il peut proposer diverses solutions : donation, donation-partage, d\u00e9membrement de propri\u00e9t\u00e9, testament\u2026\u202f\u00a0.\u00a0<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q146\" data-type=\"single\"><legend class=\"quizBlock__legend\">Quelle garantie peut \u00eatre souscrite pour aider les enfants apr\u00e8s le d\u00e9c\u00e8s d'un parent ?\u00a0\u00a0\r\n\r\n\u00a0<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q146\" value=\"a434\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Un compte d'\u00e9pargne ordinaire<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q146\" value=\"a435\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Une rente \u00e9ducation<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q146\" value=\"a436\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Un pr\u00eat hypoth\u00e9caire<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz23-q146\" value=\"a437\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Une carte de cr\u00e9dit<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>Exact !\r\n\r\nLa rente \u00e9ducation est un contrat d'assurance qui garantit un revenu aux enfants en cas de d\u00e9c\u00e8s d\u2019un parent. L\u2019allocation vers\u00e9e leur permettra de poursuivre n\u00e9anmoins leurs \u00e9tudes. Son montant, fixe ou variable, est calcul\u00e9 en pourcentage du salaire annuel des parents.\u00a0\u00a0<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><div class=\"quizBlock__controls\" hidden><button type=\"button\" class=\"quizBlock__button quizBlock__button--previous\" data-wp-on--click=\"actions.previous\"><\/button><button type=\"button\" class=\"quizBlock__button quizBlock__button--next\" data-wp-on--click=\"actions.next\"><\/button><button type=\"submit\" class=\"quizBlock__button quizBlock__button--submit\"><\/button><\/div><\/form><div class=\"quizBlock__result\" role=\"status\" aria-live=\"polite\" tabindex=\"-1\" hidden><\/div><\/section>\n\n\n<p class=\"wp-block-paragraph\">Merci d'avoir suivi ce module !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment du module \"J'anticipe les d\u00e9marches en lien avec le d\u00e9c\u00e8s\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F16507\" target=\"_blank\" rel=\"noreferrer noopener\">Un proche est d\u00e9c\u00e9d\u00e9 sur le site service-public.fr<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use 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conna\u00eetre&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-150x150.jpg&quot;,&quot;likes&quot;:12}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"10854\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/frais-succession-bancaires\/\"\n         data-title=\"Les frais bancaires li\u00e9s \u00e0 une succession : la r\u00e9glementation \u00e0 conna\u00eetre\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button 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role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">6 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/frais-succession-bancaires\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le d\u00e9c\u00e8s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les frais bancaires li\u00e9s \u00e0 une succession : la r\u00e9glementation \u00e0 conna\u00eetre<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n    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class=\"card__title_span\">L\u2019autonomie financi\u00e8re tout au long de la vie<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Bien plus qu&#039;un simple salaire, l&#039;autonomie financi\u00e8re, c&#039;est la libert\u00e9 de faire ses propres choix tout en s\u00e9curisant son quotidien et son avenir. Elle repose sur la capacit\u00e9 (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:589,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/les-consequences-du-deces-sur-le-compte\/&quot;,&quot;title&quot;:&quot;D\u00e9c\u00e8s : les cons\u00e9quences sur le compte bancaire&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-150x150.jpg&quot;,&quot;likes&quot;:13}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" 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width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">6 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/les-consequences-du-deces-sur-le-compte\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le d\u00e9c\u00e8s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">D\u00e9c\u00e8s : les cons\u00e9quences sur le compte bancaire<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:390,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/les-demarches-en-cas-de-deces\/&quot;,&quot;title&quot;:&quot;Les d\u00e9marches apr\u00e8s le d\u00e9c\u00e8s d\\u0027un 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article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">6 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/les-demarches-en-cas-de-deces\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les d\u00e9marches apr\u00e8s le d\u00e9c\u00e8s d&#039;un proche<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Face au d\u00e9c\u00e8s d&#039;un proche, savoir par o\u00f9 commencer les d\u00e9marches administratives peut \u00eatre un d\u00e9fi suppl\u00e9mentaire. Nous avons con\u00e7u ce guide comme un soutien concret dans (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Mon bien immobilier<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">J&#039;ach\u00e8te un bien immobilier<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" 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500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/06\/eco-renover-son-logement-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/06\/eco-renover-son-logement-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/06\/eco-renover-son-logement.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Travaux et r\u00e9novation<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">J&#039;\u00e9co-r\u00e9nove mon logement<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s est une \u00e9tape importante qui peut apporter de nombreux avantages pour vous et vos proches. Bien que ce sujet puisse sembler difficile \u00e0 aborder, il est crucial de s'en occuper. D\u00e9couvrez pourquoi et comment pr\u00e9parer cette \u00e9tape de mani\u00e8re sereine et efficace. Les 4 bonnes raisons d'anticiper les d\u00e9marches [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":30664,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":17,"views":5588,"viewed_at":"1778494036","newsletter":"1","_yoast_wpseo_primary_category":270,"footnotes":""},"categories":[270],"tags":[],"class_list":["post-30643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mes-moments-de-vie"],"yoast_head":"<title>J&#039;anticipe les d\u00e9marches en lien avec le d\u00e9c\u00e8s - Mes moments de vie - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Anticiper les d\u00e9marches li\u00e9es au d\u00e9c\u00e8s est crucial pour vous et vos proches. 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