{"id":658,"date":"2021-02-09T00:00:00","date_gmt":"2021-02-08T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2013\/01\/09\/lassurance-vie-pour-sa-retraite\/"},"modified":"2026-07-08T17:52:33","modified_gmt":"2026-07-08T15:52:33","slug":"lassurance-vie-pour-sa-retraite","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/lassurance-vie-pour-sa-retraite\/","title":{"rendered":"L'assurance vie pour sa retraite"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Pour pr\u00e9parer votre retraite, l'assurance vie offre de nombreux avantages : grand choix de placement, exon\u00e9ration d'imp\u00f4t, choix de r\u00e9cup\u00e9rer un capital ou une rente, au moment de la retraite, transmission d'une partie du capital \u00e0 la personne de votre choix (enfants, conjoint\u2026)<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avant la retraite<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pendant la vie du <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-vie-fonctionnement-et-souscription\/\" target=\"_blank\" rel=\"noreferrer noopener\">contrat d'assurance vie<\/a><\/strong>, vous ne recevez pas de revenus : les produits ou les int\u00e9r\u00eats sont r\u00e9investis imm\u00e9diatement dans le contrat : int\u00e9gr\u00e9s \u00e0 l'\u00e9pargne, ils produisent eux-m\u00eames des revenus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez placer une somme fixe \u00e0 un moment donn\u00e9 sur un contrat d'assurance vie : par exemple si vous recevez une prime de votre employeur, vous pouvez en profiter pour la placer sur votre assurance vie. Vous pouvez \u00e9galement effectuer des versements r\u00e9guliers (mensuels, trimestriels ou semestriels).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous retirez les fonds avant l'\u00e9ch\u00e9ance des 8 ans, la fiscalit\u00e9 sera plus ou moins int\u00e9ressante selon la date \u00e0 laquelle ce rachat est op\u00e9r\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Au moment de la retraite<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A la souscription ou \u00e0 la fin du contrat (v\u00e9rifiez bien cet aspect au moment de souscrire votre assurance vie), vous pourrez sp\u00e9cifier comment vous souhaitez r\u00e9cup\u00e9rer votre argent (type de sortie) :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en un versement unique, pour r\u00e9cup\u00e9rer en une seule fois toutes les sommes investies et les int\u00e9r\u00eats,<\/li><li>en retraits partiels progressifs,<\/li><li>en une rente viag\u00e8re c'est-\u00e0-dire vers\u00e9e jusqu'au d\u00e9c\u00e8s,<\/li><li>pour partie en un versement unique, pour partie en rente.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous r\u00e9cup\u00e9rez un capital \u00e0 l'\u00e9ch\u00e9ance, vous devrez choisir :<br>la d\u00e9claration \u00e0 l'imp\u00f4t sur le revenu des produits (int\u00e9r\u00eats et plus values) du contrat,<br>ou le pr\u00e9l\u00e8vement forfaitaire lib\u00e9ratoire (PFL). Le taux du PFL d\u00e9pend de la date \u00e0 laquelle le rachat est op\u00e9r\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous r\u00e9cup\u00e9rez une rente viag\u00e8re, celle-ci sera imposable pour partie, en fonction de l'\u00e2ge auquel vous la percevrez. A partir de 70 ans par exemple, seuls 30% de la rente seront tax\u00e9s.<br>Dans tous les cas, en r\u00e9cup\u00e9rant votre argent (capital ou rente), vous ne b\u00e9n\u00e9ficiez pas de l'avantage fiscal concernant la transmission par d\u00e9c\u00e8s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>En cas de d\u00e9c\u00e8s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous d\u00e9c\u00e9dez avant le retrait des fonds, que ce d\u00e9c\u00e8s intervienne avant ou apr\u00e8s l'\u00e9ch\u00e9ance du contrat d'assurance vie, avant ou apr\u00e8s votre retraite, c'est votre \u00e2ge au moment o\u00f9 vous avez vers\u00e9 l'argent sur l'assurance vie, qui d\u00e9terminera si les capitaux seront transmis aux b\u00e9n\u00e9ficiaires avec ou sans imposition :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>pour les versements que vous avez effectu\u00e9s avant votre 70\u00e8me anniversaire : les capitaux sont transmis sans droit de succession jusqu'\u00e0 concurrence de 152 000 \u20ac par b\u00e9n\u00e9ficiaire, et au-del\u00e0 les capitaux sont impos\u00e9s forfaitairement \u00e0 20 %<\/li><li>pour les versements que vous avez effectu\u00e9s apr\u00e8s votre 70\u00e8me anniversaire : les capitaux sont transmis sans droit de succession jusqu'\u00e0 concurrence de 30 500 \u20ac et au-del\u00e0, ils sont soumis aux droits de succession standard.<\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" 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Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-vie-fiscalite-rachat\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/fiscalite-retrait-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/fiscalite-retrait-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/fiscalite-retrait-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/fiscalite-retrait-_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\">L&#039;assurance vie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Fiscalit\u00e9 de l&#039;assurance vie en cas de rachat<\/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\" 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[&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":8,"views":6600,"viewed_at":"1778495541","newsletter":"0","_yoast_wpseo_primary_category":114,"footnotes":""},"categories":[353,114,94,358,270,276],"tags":[],"class_list":["post-658","post","type-post","status-publish","format-standard","hentry","category-jai-des-projets","category-lepargne-de-prevoyance","category-les-objectifs","category-ma-retraite","category-mes-moments-de-vie","category-mon-epargne"],"yoast_head":"<title>L&#039;assurance vie pour sa retraite - L&#039;\u00e9pargne de pr\u00e9voyance - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Pour pr\u00e9parer votre retraite, l&#039;assurance vie offre de nombreux avantages : grand choix de placement, exon\u00e9ration d&#039;imp\u00f4t, choix de r\u00e9cup\u00e9rer un capital ou une 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