{"id":575,"date":"2025-02-07T13:19:12","date_gmt":"2025-02-07T13:19:12","guid":{"rendered":"http:\/\/invexa.ch\/?page_id=575"},"modified":"2026-03-27T07:14:01","modified_gmt":"2026-03-27T07:14:01","slug":"assurance-vie","status":"publish","type":"page","link":"https:\/\/invexa.ch\/en\/services\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"575\" class=\"elementor elementor-575\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aead4c e-flex e-con-boxed e-con e-parent\" data-id=\"7aead4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e66ae5b e-con-full e-flex e-con e-child\" data-id=\"e66ae5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-addaff4 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"addaff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b07ff6 elementor-widget elementor-widget-heading\" data-id=\"4b07ff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance vie en Suisse: Guide 2026 &amp; conseil ind\u00e9pendant<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5019a elementor-widget elementor-widget-text-editor\" data-id=\"7c5019a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Interm\u00e9diaire en assurance autoris\u00e9 FINMA F01537672<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d650c2 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"9d650c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tUne assurance vie en Suisse permet de garantir la s\u00e9curit\u00e9 financi\u00e8re de vos proches en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9. Elle sert aussi d\u2019outil d\u2019\u00e9pargne et de pr\u00e9voyance.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93ffbfb elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"93ffbfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte?uuid=6b636502-bf0f-48da-a842-1b648eefccf8\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Parler \u00e0 un expert (gratuit)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8af0d03 elementor-mobile-align-justify elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8af0d03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#devis\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez un devis<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba62d12 e-flex e-con-boxed e-con e-parent\" data-id=\"ba62d12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-88fabb4 e-con-full e-flex e-con e-child\" data-id=\"88fabb4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b16dbf posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2b16dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#besoins\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vos besoins<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4ac9d2 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"c4ac9d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#souscrire\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Souscrire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fdc1e1 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"9fdc1e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faq\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Questions fr\u00e9quentes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9194666 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"9194666\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#information\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">S'informer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8702a27 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"8702a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#conseil\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demander un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5591a7e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5591a7e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b2661f4\" data-id=\"b2661f4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f687d8 elementor-widget elementor-widget-menu-anchor\" data-id=\"4f687d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"besoins\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69b0f78 elementor-widget__width-auto elementor-widget elementor-widget-html\" data-id=\"69b0f78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?e6d9395680e4145a499654938f7\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-958a078 elementor-widget elementor-widget-heading\" data-id=\"958a078\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi une assurance vie ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c7556a elementor-widget elementor-widget-text-editor\" data-id=\"9c7556a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un <strong>d\u00e9c\u00e8s<\/strong> ou une <strong>incapacit\u00e9 de gain<\/strong> peut bouleverser la stabilit\u00e9 financi\u00e8re d\u2019une famille. L\u2019<strong>assurance vie<\/strong> permet de prot\u00e9ger vos proches en garantissant un capital ou une rente, afin de maintenir leur niveau de vie et de couvrir les engagements financiers en cours, comme un pr\u00eat hypoth\u00e9caire.<\/p><p>Avec une couverture adapt\u00e9e, vous assurez la s\u00e9curit\u00e9 de vos proches et la continuit\u00e9 de vos projets, m\u00eame en cas d\u2019impr\u00e9vu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f11b2d elementor-widget elementor-widget-toggle\" data-id=\"4f11b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8291\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8291\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Une protection adapt\u00e9e \u00e0 vos priorit\u00e9s<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8291\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8291\"><p>Chaque situation est unique: jeunes parents, propri\u00e9taires, ind\u00e9pendants ou futurs retrait\u00e9s. Nous analysons vos besoins (protection familiale, planification successorale, pr\u00e9voyance vieillesse) afin de b\u00e2tir une couverture sur mesure, correspondant \u00e0 vos objectifs et \u00e0 votre budget.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8292\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8292\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Une comparaison objective du march\u00e9<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8292\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8292\"><p>En tant que <strong>cabinet ind\u00e9pendant<\/strong>, nous acc\u00e9dons \u00e0 l\u2019ensemble des compagnies d\u2019assurance suisses. Nous comparons les primes, les prestations et les options disponibles afin de trouver l\u2019assurance-vie la plus avantageuse et la plus claire pour vous.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8293\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8293\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Un accompagnement continu<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8293\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8293\"><p>Vos besoins \u00e9voluent au fil du temps: mariage, naissance, achat immobilier ou pr\u00e9paration \u00e0 la retraite. Nous ajustons votre contrat en fonction de ces \u00e9tapes de vie et restons pr\u00e9sents pour vous conseiller durablement, dans une relation de confiance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-61b398b\" data-id=\"61b398b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a097d61 elementor-widget elementor-widget-image\" data-id=\"a097d61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1536\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-1536x1536.png\" class=\"attachment-1536x1536 size-1536x1536 wp-image-9107\" alt=\"Assurance vie Suisse\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-1536x1536.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-300x300.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-1024x1024.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-150x150.png 150w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-768x768.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse-12x12.png 12w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/03\/Assurance-vie-Suisse.png 1563w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d46aef7 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"d46aef7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff3dfc1\" data-id=\"ff3dfc1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7105960 elementor-widget elementor-widget-heading\" data-id=\"7105960\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment souscrire votre assurance vie en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69fa8ee elementor-widget elementor-widget-text-editor\" data-id=\"69fa8ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa vous accompagne pour \u00e9valuer vos besoins futurs, optimiser vos avoirs et d\u00e9finir une strat\u00e9gie claire et personnalis\u00e9e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fdca493 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"fdca493\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-1f0206f\" data-id=\"1f0206f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-325f023 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"325f023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#b5e0f8\" d=\"M 340.519531 266.210938 L 40.949219 266.210938 L 40.949219 72.890625 L 340.519531 72.890625 L 340.519531 266.210938 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 335.476562 232.96875 L 45.976562 232.96875 L 45.976562 198.808594 L 335.476562 198.808594 L 335.476562 232.96875 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1054.112974, 1421.939091)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8837.276882 7561.412796 L 6996.163669 7561.412796 L 6996.163669 7778.658789 L 8837.276882 7778.658789 Z M 8837.276882 7561.412796 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 129.480469 151.890625 L 74.957031 151.890625 L 74.957031 104.039062 L 129.480469 104.039062 L 129.480469 151.890625 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1054.112974, 1421.939091)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7527.217711 8077.039764 L 7180.46876 8077.039764 L 7180.46876 8381.358051 L 7527.217711 8381.358051 Z M 7527.217711 8077.039764 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1054.112974, 1421.939091)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7905.118917 8365.906135 L 8671.056992 8365.906135 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 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275.203125 C 205.609375 267.464844 199.324219 261.1875 191.585938 261.1875 C 183.839844 261.1875 177.570312 267.464844 177.570312 275.203125 C 177.570312 279.355469 179.386719 283.101562 182.269531 285.664062 C 182.25 285.914062 182.230469 286.1875 182.230469 286.4375 L 182.230469 303.035156 C 182.230469 308.195312 186.421875 312.390625 191.585938 312.390625 C 196.757812 312.390625 200.933594 308.195312 200.933594 303.035156 L 200.933594 286.4375 C 200.933594 286.1875 200.921875 285.914062 200.898438 285.664062 C 203.785156 283.101562 205.609375 279.355469 205.609375 275.203125 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t01\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9afe53 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"e9afe53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tContactez-nous\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPrenez contact avec nous \u00e0 travers notre fomulaire ou appelez-nous \u00e0 votre convenance.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-208dfe4\" data-id=\"208dfe4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9997fa6 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"9997fa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" 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class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t02\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2fdfd elementor-widget elementor-widget-icon-box\" data-id=\"2b2fdfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNous analysons vos besoins\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUn conseiller attitr\u00e9 analysera votre dossier et fixera un rendez-vous avec vous afin de proposer des produits 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fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2718.455433, 1417.457019)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 18846.309541 7392.425215 L 19116.792602 7392.425215 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2718.455433, 1417.457019)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 18981.501387 7527.691588 L 18981.501387 7257.183684 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t03\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c52af elementor-widget elementor-widget-icon-box\" data-id=\"b2c52af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRecevez vos offres\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tApr\u00e8s identification de vos besoins, nous vous ferons parvenir plusieurs offres correspondant aux objectifs recherch\u00e9s.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element 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341.140625 214.714844 341.140625 214.714844 L 341.140625 141.90625 C 304.960938 134.804688 295.117188 113.042969 295.117188 113.042969 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3949.531152, 1415.464947)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 26645.512346 7745.733271 L 26770.89148 7642.066315 L 27028.704964 7981.238361 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3949.531152, 1415.464947)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 26123.600274 6966.131926 L 26355.503229 6966.131926 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t04\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a6e38 elementor-widget elementor-widget-icon-box\" data-id=\"a6a6e38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSouscrivez\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSouscrivez l'offre qui convient au mieux \u00e0 vos besoins. Notre \u00e9quipe se tient \u00e0 votre disposition pour vous accompagner au cours du processus.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ca435fd elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"ca435fd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3001d4\" data-id=\"e3001d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aed9e13 elementor-widget elementor-widget-menu-anchor\" data-id=\"aed9e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"information\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27f77e1 elementor-widget elementor-widget-heading\" data-id=\"27f77e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types d'assurances vie en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ece6aa1 elementor-widget elementor-widget-text-editor\" data-id=\"ece6aa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019assurance vie en Suisse se d\u00e9cline en plusieurs types de contrats selon les besoins des assur\u00e9s, qu\u2019il s\u2019agisse de protection contre un d\u00e9c\u00e8s pr\u00e9matur\u00e9, d\u2019une incapacit\u00e9 de gain ou de la constitution d\u2019un capital pour la retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60349f5 elementor-widget elementor-widget-html\" data-id=\"60349f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<head>\n    <style>\n        .comparison-table { width: 100%; background: white !important; border-collapse: collapse; border-spacing: 0; }\n        .comparison-table thead, .comparison-table tbody, .comparison-table tr { background: white !important; }\n        .comparison-table th { background: white !important; font-weight: 700; padding: 24px 20px; text-align: left; border-bottom: 3px solid #4a4a4a; font-size: 16px; }\n        .comparison-table td { padding: 20px; background: white !important; vertical-align: top; font-size: 16px; border-bottom: 1px solid #e0e0e0; }\n        .comparison-table tbody tr:last-child td { border-bottom: none; }\n        .comparison-table td:first-child { font-weight: 700; }\n        .arrow-list { list-style: none; padding: 0; margin: 0; }\n        .arrow-list li { display: flex; align-items: flex-start; margin-bottom: 8px; }\n        .arrow-list li:last-child { margin-bottom: 0; }\n        .arrow-list i { color: #071659; margin-right: 10px; margin-top: 3px; flex-shrink: 0; font-size: 16px; }\n\n        @media (max-width: 768px) {\n            .comparison-table thead { display: none; }\n            .comparison-table, .comparison-table tbody, .comparison-table tr, .comparison-table td { display: block; width: 100%; }\n            .comparison-table tr { border-bottom: 3px solid #4a4a4a; padding-bottom: 8px; margin-bottom: 8px; }\n            .comparison-table tbody tr:last-child { border-bottom: none; }\n            .comparison-table td { border-bottom: none; padding: 10px 16px; }\n            .comparison-table td:first-child { font-size: 17px; padding-bottom: 4px; }\n            .comparison-table td[data-label]::before { content: attr(data-label); display: block; font-weight: 700; font-size: 12px; text-transform: uppercase; color: #071659; margin-bottom: 4px; }\n        }\n    <\/style>\n<\/head>\n<body>\n    <table class=\"comparison-table\">\n        <thead>\n            <tr>\n                <th>Type d'assurance<\/th>\n                <th>Description<\/th>\n                <th>Variantes principales<\/th>\n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td>Assurance risque d\u00e9c\u00e8s<\/td>\n                <td data-label=\"Description\">Capital vers\u00e9 aux b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s durant la p\u00e9riode couverte.<\/td>\n                <td data-label=\"Variantes\"><ul class=\"arrow-list\">\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Une ou deux t\u00eates<\/span><\/li>\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Capital constant ou d\u00e9croissant<\/span><\/li>\n                <\/ul><\/td>\n            <\/tr>\n            <tr>\n                <td>Assurance incapacit\u00e9 de gain<\/td>\n                <td data-label=\"Description\">Rente vers\u00e9e en cas de perte de revenu due \u00e0 un accident ou une maladie.<\/td>\n                <td data-label=\"Variantes\"><ul class=\"arrow-list\">\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Rente selon degr\u00e9 d'invalidit\u00e9<\/span><\/li>\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>D\u00e9lai d'attente param\u00e9trable<\/span><\/li>\n                <\/ul><\/td>\n            <\/tr>\n            <tr>\n                <td>Assurances de capitaux<\/td>\n                <td data-label=\"Description\">Combinent \u00e9pargne et protection. Capital garanti \u00e0 l'\u00e9ch\u00e9ance ou au d\u00e9c\u00e8s.<\/td>\n                <td data-label=\"Variantes\"><ul class=\"arrow-list\">\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>En cas de survie<\/span><\/li>\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Vie mixte (\u00e9pargne + protection)<\/span><\/li>\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Li\u00e9e \u00e0 des fonds (rendement variable)<\/span><\/li>\n                <\/ul><\/td>\n            <\/tr>\n            <tr>\n                <td>Rentes viag\u00e8res<\/td>\n                <td data-label=\"Description\">Revenu stable garanti apr\u00e8s la retraite, \u00e0 vie ou pour une dur\u00e9e d\u00e9termin\u00e9e.<\/td>\n                <td data-label=\"Variantes\"><ul class=\"arrow-list\">\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Imm\u00e9diates (prime unique)<\/span><\/li>\n                    <li><i class=\"fas fa-arrow-right\"><\/i><span>Diff\u00e9r\u00e9es (cotisations sur plusieurs ann\u00e9es)<\/span><\/li>\n                <\/ul><\/td>\n            <\/tr>\n        <\/tbody>\n    <\/table>\n<\/body>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd06cb5 elementor-widget elementor-widget-heading\" data-id=\"bd06cb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurance risque d\u00e9c\u00e8s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c34472a elementor-widget elementor-widget-text-editor\" data-id=\"c34472a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019assurance risque d\u00e9c\u00e8s est l\u2019une des formes les plus courantes. Elle permet de garantir le <strong>versement d\u2019un capital<\/strong> aux b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s de l\u2019assur\u00e9 durant la p\u00e9riode couverte par le contrat.<\/p><p>Elle peut \u00eatre souscrite sur <strong>une seule t\u00eate<\/strong>, o\u00f9 une seule personne est prot\u00e9g\u00e9e, ou sur <strong>deux t\u00eates<\/strong>, o\u00f9 le capital est vers\u00e9 au survivant en cas de d\u00e9c\u00e8s de l\u2019un des deux assur\u00e9s. Il existe \u00e9galement des variantes en fonction du montant assur\u00e9 : \u00e0 capital constant, o\u00f9 le montant reste le m\u00eame tout au long du contrat, et \u00e0 capital d\u00e9croissant, o\u00f9 le capital diminue progressivement, souvent en lien avec un emprunt hypoth\u00e9caire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aba4fce elementor-widget elementor-widget-heading\" data-id=\"aba4fce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurance pour incapacit\u00e9 de gain<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f601e06 elementor-widget elementor-widget-text-editor\" data-id=\"f601e06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019<a href=\"https:\/\/invexa.ch\/prevoyance\/assurance-perte-de-gain-ce-que-vous-devez-savoir\/\">assurance pour incapacit\u00e9 de gain<\/a> couvre le <strong>risque de perte de revenu<\/strong> en raison d\u2019un <strong>accident<\/strong> ou d\u2019une <strong>maladie<\/strong>. Si l\u2019assur\u00e9 devient incapable de travailler, il re\u00e7oit une rente apr\u00e8s un d\u00e9lai d\u2019attente d\u00e9fini. Cette rente est calcul\u00e9e en fonction du degr\u00e9 d\u2019invalidit\u00e9 et cesse lorsque l\u2019assur\u00e9 retrouve sa capacit\u00e9 de gain ou atteint l\u2019\u00e2ge de la retraite.<\/p><p>Ce type d\u2019assurance est particuli\u00e8rement utile pour les ind\u00e9pendants, qui ne b\u00e9n\u00e9ficient pas de la couverture du deuxi\u00e8me pilier, ainsi que pour les salari\u00e9s qui souhaitent <strong>compl\u00e9ter<\/strong> leurs prestations d\u2019invalidit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b557a6f elementor-widget elementor-widget-heading\" data-id=\"b557a6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurances de capitaux<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eebd37b elementor-widget elementor-widget-text-editor\" data-id=\"eebd37b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les assurances de capitaux, \u00e9galement appel\u00e9es <strong>assurances \u00e9pargne<\/strong>, combinent une protection financi\u00e8re et une strat\u00e9gie d\u2019\u00e9pargne \u00e0 long terme. L\u2019assurance en cas de <strong>survie<\/strong> garantit le versement d\u2019un capital \u00e0 l\u2019assur\u00e9 s\u2019il est en vie \u00e0 l\u2019\u00e9ch\u00e9ance du contrat. En cas de <strong>d\u00e9c\u00e8s<\/strong> avant cette \u00e9ch\u00e9ance, les <strong>b\u00e9n\u00e9ficiaires<\/strong> re\u00e7oivent au minimum le total des primes \u00e9pargn\u00e9es.<\/p><p>L\u2019assurance vie <strong>mixte<\/strong>, quant \u00e0 elle, associe \u00e9pargne et protection : en cas de vie, l\u2019assur\u00e9 per\u00e7oit un capital, et en cas de d\u00e9c\u00e8s, les b\u00e9n\u00e9ficiaires re\u00e7oivent un montant d\u00e9fini dans le contrat.<\/p><p>L\u2019assurance vie li\u00e9e \u00e0 un <strong>fonds d\u2019investissement<\/strong> offre un potentiel de rendement plus \u00e9lev\u00e9 que les assurances traditionnelles, car l\u2019\u00e9pargne est plac\u00e9e sur les <strong>march\u00e9s financiers<\/strong>. L\u2019assur\u00e9 choisit lui-m\u00eame les fonds dans lesquels il souhaite investir, acceptant ainsi un risque plus \u00e9lev\u00e9 en \u00e9change d\u2019un potentiel de gain sup\u00e9rieur. Toutefois, contrairement aux assurances classiques, l\u2019assureur <strong>ne garantit pas<\/strong> un capital minimum \u00e0 l\u2019\u00e9ch\u00e9ance du contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc44769 elementor-widget elementor-widget-heading\" data-id=\"bc44769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rentes viag\u00e8res<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea26fd4 elementor-widget elementor-widget-text-editor\" data-id=\"ea26fd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enfin, les rentes de vieillesse ou rentes viag\u00e8res sont con\u00e7ues pour assurer un <strong>revenu stable<\/strong> apr\u00e8s la retraite. Elles peuvent \u00eatre imm\u00e9diates, lorsque la rente commence d\u00e8s la souscription apr\u00e8s le versement d\u2019une <strong>prime unique<\/strong>, ou diff\u00e9r\u00e9es, lorsque l\u2019assur\u00e9 cotise durant plusieurs ann\u00e9es avant de toucher sa rente.<\/p><p>Elles peuvent \u00eatre vers\u00e9es<strong> \u00e0 vie<\/strong> ou pour une dur\u00e9e <strong>d\u00e9termin\u00e9e<\/strong>, et certaines permettent une restitution du capital restant aux h\u00e9ritiers en cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a1f602 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"9a1f602\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-020bd03 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"020bd03\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e67c8ad\" data-id=\"e67c8ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-875bd15 elementor-widget elementor-widget-menu-anchor\" data-id=\"875bd15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"souscrire\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b84a59 elementor-align-start elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8b84a59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 80c-52.94 0-96 43.06-96 96 0 8.84 7.16 16 16 16s16-7.16 16-16c0-35.3 28.72-64 64-64 8.84 0 16-7.16 16-16s-7.16-16-16-16zM96.06 459.17c0 3.15.93 6.22 2.68 8.84l24.51 36.84c2.97 4.46 7.97 7.14 13.32 7.14h78.85c5.36 0 10.36-2.68 13.32-7.14l24.51-36.84c1.74-2.62 2.67-5.7 2.68-8.84l.05-43.18H96.02l.04 43.18zM176 0C73.72 0 0 82.97 0 176c0 44.37 16.45 84.85 43.56 115.78 16.64 18.99 42.74 58.8 52.42 92.16v.06h48v-.12c-.01-4.77-.72-9.51-2.15-14.07-5.59-17.81-22.82-64.77-62.17-109.67-20.54-23.43-31.52-53.15-31.61-84.14-.2-73.64 59.67-128 127.95-128 70.58 0 128 57.42 128 128 0 30.97-11.24 60.85-31.65 84.14-39.11 44.61-56.42 91.47-62.1 109.46a47.507 47.507 0 0 0-2.22 14.3v.1h48v-.05c9.68-33.37 35.78-73.18 52.42-92.16C335.55 260.85 352 220.37 352 176 352 78.8 273.2 0 176 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">4 bonnes raisons de souscrire<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc6e29e elementor-widget elementor-widget-heading\" data-id=\"bc6e29e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avantages d'une assurance vie en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a4f848 elementor-widget elementor-widget-text-editor\" data-id=\"9a4f848\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une assurance vie offre de nombreux avantages et s&rsquo;adapte \u00e0 toutes les \u00e9tapes de votre vie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f64bda4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f64bda4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-1c80b86\" data-id=\"1c80b86\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c0f15b elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7c0f15b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#b5e0f8\" d=\"M 308.886719 146.011719 C 297.488281 138.039062 285.664062 142.617188 278.273438 150.855469 L 264.214844 166.46875 L 264.828125 68.101562 C 264.90625 57.015625 255.976562 47.988281 244.90625 47.941406 C 235.878906 47.878906 228.207031 53.804688 225.644531 62 L 225.738281 45.960938 C 225.800781 34.875 216.902344 25.816406 205.816406 25.769531 C 194.746094 25.707031 185.703125 34.621094 185.640625 45.691406 L 185.515625 65.128906 C 184.460938 55.128906 176.035156 47.28125 165.703125 47.21875 C 154.632812 47.15625 145.609375 56.070312 145.53125 67.140625 L 145.417969 85.378906 C 143.296875 76.667969 135.464844 70.144531 126.09375 70.097656 C 115.011719 70.035156 105.984375 78.949219 105.914062 90.019531 L 105.171875 210.90625 C 105.105469 212.117188 105.050781 213.3125 105.050781 214.554688 L 105.050781 269.667969 C 105.050781 303.144531 132.886719 330.332031 167.230469 330.332031 L 206.003906 330.332031 C 240.347656 330.332031 274.121094 301.574219 274.121094 268.09375 L 274.121094 224.257812 L 312.726562 176.40625 C 320.113281 168.152344 319.34375 153.355469 308.886719 146.011719 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 234.671875 243.0625 C 239.71875 237.859375 242.816406 230.765625 242.816406 222.96875 C 242.816406 207.039062 229.921875 194.128906 213.992188 194.128906 C 205.046875 194.128906 195.296875 202.070312 191.757812 208.578125 C 188.566406 201.394531 178.472656 194.128906 169.523438 194.128906 C 153.597656 194.128906 140.6875 207.039062 140.6875 222.96875 C 140.6875 230.765625 144.003906 238.203125 148.878906 243.09375 C 149.917969 244.132812 152.589844 246.523438 153.769531 247.402344 L 192.578125 281.632812 L 231.085938 246.347656 C 231.917969 245.640625 234.667969 243.0625 234.667969 243.0625 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1449.531356, 566.666339)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 10710.911306 2058.001048 C 10743.00757 2091.091004 10762.707521 2136.204637 10762.707521 2185.789886 C 10762.707521 2287.096823 10680.703058 2369.200655 10579.396122 2369.200655 C 10522.507234 2369.200655 10460.50083 2318.69624 10437.993698 2277.308953 C 10417.697532 2322.99396 10353.505005 2369.200655 10296.591275 2369.200655 C 10195.309181 2369.200655 10113.205349 2287.096823 10113.205349 2185.789886 C 10113.205349 2136.204637 10134.296469 2088.904881 10165.299671 2057.80231 C 10171.907725 2051.194256 10188.899865 2035.990762 10196.402242 2030.401243 L 10443.210583 1812.708088 L 10688.106067 2037.108666 C 10693.397478 2041.605124 10710.886464 2058.001048 10710.886464 2058.001048 Z M 10710.911306 2058.001048 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1449.531356, 566.666339)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 10141.997585 3014.901953 L 10141.997585 2570.199778 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1449.531356, 566.666339)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 10407.710924 3120.605979 L 10407.710924 2675.903803 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1449.531356, 566.666339)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 10656.208542 3142.392684 L 10656.208542 2594.793664 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProt\u00e9gez vos proches\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEn cas de d\u00e9c\u00e8s, elle offre un capital aux proches, assurant ainsi leur s\u00e9curit\u00e9 financi\u00e8re et le maintien du niveau de vie.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-3002830\" data-id=\"3002830\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-913db9e elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"913db9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -218.953678, 983.997007)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 3368.322525 5596.28247 L 1882.42949 5596.28247 L 2621.835978 6015.42191 Z M 3368.322525 5596.28247 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -218.953678, 983.997007)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2625.388429 5596.28247 L 2625.388429 4311.711508 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -218.953678, 983.997007)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 1881.13769 4918.708489 L 2039.010564 5581.526138 L 2196.908281 4918.708489 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 53.632812 202.742188 C 54.863281 229.769531 75.894531 251.28125 101.664062 251.28125 C 127.4375 251.28125 148.46875 229.769531 149.699219 202.742188 L 53.632812 202.742188 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -218.953678, 983.997007)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 3055.582696 4915.205723 L 3213.480412 5578.0979 L 3371.378129 4915.205723 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 238.308594 203.292969 C 239.535156 230.304688 260.566406 251.816406 286.339844 251.816406 C 312.105469 251.816406 333.144531 230.304688 334.367188 203.292969 L 238.308594 203.292969 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#b5e0f8\" d=\"M 240.945312 335.359375 L 240.945312 313.03125 C 240.945312 305.953125 235.199219 300.199219 228.105469 300.199219 L 159.617188 300.199219 C 152.523438 300.199219 146.789062 305.953125 146.789062 313.03125 L 146.789062 335.359375 L 240.945312 335.359375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProfitez d'avantages fiscaux\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSelon le contrat d'assurance vie, de nombreux avantages fiscaux existent, tels que l'exon\u00e9ration de l'imp\u00f4t lors du retrait, la d\u00e9duction des versements dans le 3a, et bien plus encore.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-fab8679\" data-id=\"fab8679\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f085e3 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5f085e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" d=\"M 236.121094 46.660156 L 144.035156 46.660156 C 144.035156 46.660156 118.886719 90.566406 58.34375 100.375 L 58.34375 235.945312 C 58.34375 235.945312 165.777344 340.8125 190.082031 340.8125 C 214.375 340.8125 321.8125 235.945312 321.8125 235.945312 L 321.8125 100.375 C 254.453125 87.160156 236.121094 46.660156 236.121094 46.660156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.15619, 0, 0, -0.15619, -219.97854, 2232.691965)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2920.163573 13995.999957 L 2330.586252 13995.999957 C 2330.586252 13995.999957 2169.574171 13714.891572 1781.949717 13652.092358 L 1781.949717 12784.107693 C 1781.949717 12784.107693 2469.789924 12112.698821 2625.399922 12112.698821 C 2780.934891 12112.698821 3468.800108 12784.107693 3468.800108 12784.107693 L 3468.800108 13652.092358 C 3037.533827 13736.69998 2920.163573 13995.999957 2920.163573 13995.999957 Z M 2920.163573 13995.999957 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 279.285156 184.574219 C 279.285156 233.839844 239.339844 273.792969 190.082031 273.792969 C 140.8125 273.792969 100.875 233.839844 100.875 184.574219 C 100.875 135.28125 140.8125 95.359375 190.082031 95.359375 C 239.339844 95.359375 279.285156 135.28125 279.285156 184.574219 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.15619, 0, 0, -0.15619, -219.97854, 2232.691965)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2357.371579 12995.78931 L 2551.471418 12835.302432 L 2950.47526 13360.604971 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConsistuez-vous une \u00e9pargne\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChoisissez un contrat mixte pour une protection d\u00e9c\u00e8s et une composante d\u2019\u00e9pargne ou d\u2019investissement, offrant ainsi une double fonction : protection de la famille et constitution d\u2019un capital pour des projets futurs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-5797c08\" data-id=\"5797c08\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c87e44 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9c87e44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 17837.503718 1509.194186 C 17837.503718 1509.194186 18114.892942 1710.392048 18539.497689 1685.9969 C 18718.089049 1675.712184 18996.099331 1749.990689 19150.593651 1915.291414 C 19272.892339 2046.111013 19131.291177 2166.596213 18989.193169 2069.611838 C 18734.807923 1895.88957 18607.192981 1912.807183 18373.501379 1965.398351 \" 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class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUne assurance vie facilite la transmission du patrimoine en permettant de d\u00e9signer directement les b\u00e9n\u00e9ficiaires, ce qui peut \u00e9viter des conflits successoraux.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62dbb81 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"62dbb81\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a70c42b\" data-id=\"a70c42b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a3f03f elementor-widget elementor-widget-heading\" data-id=\"4a3f03f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce que disent nos clients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3aad49 elementor-widget elementor-widget-text-editor\" data-id=\"c3aad49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez les t\u00e9moignages de nos clients qui ont fait confiance \u00e0 Invexa pour leur assurance vie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a00ab5 elementor-widget elementor-widget-html\" data-id=\"7a00ab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<pre class=\"ti-widget\"><template id=\"trustindex-google-widget-html\"><div class=\" ti-widget  ti-goog ti-disable-font ti-review-text-mode-readmore ti-text-align-left\" data-no-translation=\"true\" data-plugin-version=\"13.2.8\" data-layout-id=\"4\" data-layout-category=\"slider\" data-set-id=\"minimal-fill-wave\" data-pid=\"\" data-language=\"fr\" data-close-locale=\"Fermer\" data-review-target-width=\"300\" data-css-version=\"2\" data-reply-by-locale=\"R\u00e9ponse du propri\u00e9taire\" data-only-rating-locale=\"Cet utilisateur a uniquement laiss\u00e9 une \u00e9valuation.\" data-pager-autoplay-timeout=\"6\"> <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"Avis suivante\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Avis pr\u00e9c\u00e9dent\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXnMLKlGFiEEC-gUVoMbwRm3UENa0v-Jh-Hoky3UAIXEoo0M3fy=w40-h40-c-rp-mo-br100\" alt=\"NM  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> NM  <\/div> <div class=\"ti-date\">2026-03-06<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Mme Fivaz est tr\u00e8s avenante, r\u00e9pond aux questions possible et donne les meilleures conseils pour votre 3eme pilier! Tr\u00e8s satisfait !<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjV2eLF1mT2waZICH4N60zisnB_XF6ulhVRgTMtsbm8RSInbixY=w40-h40-c-rp-mo-ba3-br100\" alt=\"L\u00e9o  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> L\u00e9o  <\/div> <div class=\"ti-date\">2026-01-13<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Je recommande vivement \u00e0 toute personne souhaitant r\u00e9aliser une analyse de march\u00e9 afin de mieux comprendre les produits d\u2019assurance et de pr\u00e9voyance.\n\nL\u2019accompagnement est clair, structur\u00e9 et permet d\u2019y voir beaucoup plus clair dans un domaine souvent complexe.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocL1MgP63FWhu9m17A-BPNGiY9eMnEmsgwXdUaPJUqh49CAVRA=w40-h40-c-rp-mo-br100\" alt=\"Daniel  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Daniel  <\/div> <div class=\"ti-date\">2025-12-27<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Tr\u00e8s pro et super r\u00e9activit\u00e9 !<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVyNqZ-3jxiM9l8bWnM6k-1MknIv69qfEppGlLOVWHBIRn3txl7=w40-h40-c-rp-mo-br100\" alt=\"Elena  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Elena  <\/div> <div class=\"ti-date\">2025-12-19<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Tr\u00e8s bonne exp\u00e9rience. \u00c9changes professionnels, clairs et men\u00e9s avec beaucoup de s\u00e9rieux. Claire s\u2019est montr\u00e9e disponible, attentive et bienveillante, avec des explications transparentes et un suivi rigoureux, sans aucune pression. Merci pour la qualit\u00e9 de l\u2019accompagnement.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjUgLpaHsfip4nz6_Yl5D65VEVJyQHl7Y-kpR3TWfEhUshPf14w_=w40-h40-c-rp-mo-br100\" alt=\"Francine  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Francine  <\/div> <div class=\"ti-date\">2025-12-18<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Bonjour; j'ai \u00e9t\u00e9 absolument ravie d'obtenir d'Invexa une r\u00e9ponse si rapide et si compl\u00e8te \u00e0 ma question concernant les allocations pour enfants. Je remercie de tout coeur la conseill\u00e8re pour son empressement \u00e0 me r\u00e9pondre. Merci.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKugwCMwLlFuZK9pxRHUZ0IiK92LXoTVxdV73WpjN3hn-fzM3cN=w40-h40-c-rp-mo-br100\" alt=\"Anonymous  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Anonymous  <\/div> <div class=\"ti-date\">2025-12-12<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->I received great advice and very friendly service. I wholeheartedly recommend Invexa for anything pension-related.\n\nBest regards,\nAnetta Zargaryan<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKALFqPd5HfQ2L31uhi18czZOolJJoOSx0GbU71EntADJkm=w40-h40-c-rp-mo-ba2-br100\" alt=\"Lisa  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Lisa  <\/div> <div class=\"ti-date\">2025-12-11<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Services tr\u00e8s professionnels. Bonne compr\u00e9hension des enjeux et grande amabilit\u00e9.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjU1sFWcHzRe08GJopfuTNw_2FnITnv9s-OBJw2vR4g2yzTn34lwuw=w40-h40-c-rp-mo-ba2-br100\" alt=\"Pierre  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Pierre  <\/div> <div class=\"ti-date\">2025-12-10<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->De tr\u00e8s bon conseil. Merci<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXXa-jgelL9dVYTm6VI4bKhkpRP37nh4Lir-I9s8Ryeq2l0MO027g=w40-h40-c-rp-mo-ba2-br100\" alt=\"Jane  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Jane  <\/div> <div class=\"ti-date\">2025-11-11<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->J'ai fait un entretien avec Mme Fivaz concernant mon 3e pilier. Elle a su r\u00e9pondre \u00e0 toutes mes questions avec bienveillance et clart\u00e9. Je recommande \u00e0 100%!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Publi\u00e9 sur <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVO-TuKVHNx1RG_btpYXXPkUA3v3zhokI7kjxF6--ZXzNI707RW=w40-h40-c-rp-mo-ba4-br100\" alt=\"Lora  profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Lora  <\/div> <div class=\"ti-date\">2025-11-10<\/div> <\/div> <\/div> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex v\u00e9rifie que la source originale de l'avis est Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Les conseils de Mme Fivaz sont clairs et concis ! J\u2019ai beaucoup appr\u00e9ci\u00e9 l'\u00e9change sympathique et je ne peux que recommander ses services et son conseil attentionn\u00e9. Merci beaucoup<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Cacher\" data-open-text=\"Lire la suite\"><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div>    <div class=\"ti-verified-by ti-verified-by-row\" data-style=\"1\"> <div class=\"ti-inner\"> Certifi\u00e9 par: Trustindex <span class=\"ti-info-icon\"><\/span> <div class=\"ti-disclaimer\">Le badge v\u00e9rifi\u00e9 de Trustindex est le symbole universel de confiance. Seules les meilleures entreprises peuvent obtenir le badge v\u00e9rifi\u00e9, avec une note sup\u00e9rieure \u00e0 4.5, bas\u00e9e sur les avis des clients au cours des derniers 12 mois. <a href=\"https:\/\/www.trustindex.io\/?a=sys&amp;c=wp-verified-badge&amp;url=\/the-trustindex-verified-badge\/\" target=\"_blank\" rel=\"noopener\">En savoir plus<\/a><\/div> <\/div> <\/div>  <\/div> <\/div> <\/template><\/pre><div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?wp-widget\" data-template-id=\"trustindex-google-widget-html\" data-css-url=\"https:\/\/invexa.ch\/wp-content\/uploads\/trustindex-google-widget.css?1773993224\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-165e403 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"165e403\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f8d1ebe\" data-id=\"f8d1ebe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc7ed92 elementor-widget elementor-widget-menu-anchor\" data-id=\"dc7ed92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"faq\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c89fd elementor-widget elementor-widget-heading\" data-id=\"c8c89fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faut-il choisir le pilier 3a ou le pilier 3b en 2026 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-424f629 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"424f629\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>C&rsquo;est la question la plus fr\u00e9quente pos\u00e9e par nos clients. En mati\u00e8re d&rsquo;assurance vie, le syst\u00e8me de pr\u00e9voyance suisse vous offre deux v\u00e9hicules juridiques tr\u00e8s diff\u00e9rents : <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">la pr\u00e9voyance li\u00e9e (Pilier 3a)<\/a> et la <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b\/\">pr\u00e9voyance libre (Pilier 3b)<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-118e282\" data-id=\"118e282\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-853c5c6 elementor-widget elementor-widget-text-editor\" data-id=\"853c5c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Faire le mauvais choix ici ne vous co\u00fbtera pas seulement en flexibilit\u00e9 ; cela peut vous faire perdre des milliers de francs en d\u00e9ductions fiscales. Voici la diff\u00e9rence fondamentale : le 3a optimise vos imp\u00f4ts imm\u00e9diats au prix de votre liquidit\u00e9, tandis que le 3b vous offre une libert\u00e9 totale avec un avantage fiscal sp\u00e9cifique aux r\u00e9sidents genevois et fribourgeois.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9cf2b0 elementor-widget elementor-widget-heading\" data-id=\"a9cf2b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comparatif rapide : Assurance vie 3a vs 3b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5a3237 elementor-widget elementor-widget-html\" data-id=\"f5a3237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<head>\n    <style>\n        .comparison-table { width: 100%; background: white !important; border-collapse: collapse; border-spacing: 0; }\n        .comparison-table thead, .comparison-table tbody, .comparison-table tr { background: white !important; }\n        .comparison-table th { background: white !important; font-weight: 700; padding: 24px 20px; text-align: left; border-bottom: 3px solid #4a4a4a; font-size: 16px; }\n        .comparison-table td { padding: 20px; background: white !important; vertical-align: top; font-size: 16px; border-bottom: 1px solid #e0e0e0; }\n        .comparison-table tbody tr:last-child td { border-bottom: none; }\n        .comparison-table td:first-child { font-weight: 700; }\n        .arrow-list { list-style: none; padding: 0; margin: 0; }\n        .arrow-list li { display: flex; align-items: flex-start; margin-bottom: 8px; }\n        .arrow-list li:last-child { margin-bottom: 0; }\n        .arrow-list i { color: #071659; margin-right: 10px; margin-top: 3px; flex-shrink: 0; font-size: 16px; }\n\n        @media (max-width: 768px) {\n            .comparison-table thead { display: none; }\n            .comparison-table, .comparison-table tbody, .comparison-table tr, .comparison-table td { display: block; width: 100%; }\n            .comparison-table tr { border-bottom: 3px solid #4a4a4a; padding-bottom: 8px; margin-bottom: 8px; }\n            .comparison-table tbody tr:last-child { border-bottom: none; }\n            .comparison-table td { border-bottom: none; padding: 10px 16px; }\n            .comparison-table td:first-child { font-size: 17px; padding-bottom: 4px; }\n            .comparison-table td[data-label]::before { content: attr(data-label); display: block; font-weight: 700; font-size: 12px; text-transform: uppercase; color: #071659; margin-bottom: 4px; }\n        }\n    <\/style>\n<\/head>\n<body>\n    <table class=\"comparison-table\">\n        <thead>\n            <tr>\n                <th>Caract\u00e9ristique<\/th>\n                <th>Pilier 3a (Li\u00e9)<\/th>\n                <th>Pilier 3b (Libre)<\/th>\n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td>Objectif Principal<\/td>\n                <td data-label=\"Pilier 3a (Li\u00e9)\">\u00c9pargne retraite pure & optimisation fiscale forte.<\/td>\n                <td data-label=\"Pilier 3b (Libre)\">Flexibilit\u00e9, projet \u00e0 moyen terme & transmission de patrimoine.<\/td>\n            <\/tr>\n            <tr>\n                <td>D\u00e9duction Fiscale<\/td>\n                <td data-label=\"Pilier 3a (Li\u00e9)\">Oui. D\u00e9ductible du revenu sur le plan f\u00e9d\u00e9ral et cantonal (jusqu'au plafond l\u00e9gal maximum).<\/td>\n                <td data-label=\"Pilier 3b (Libre)\">Non au niveau f\u00e9d\u00e9ral. Mais Oui \u00e0 Gen\u00e8ve (ex: jusqu'\u00e0 CHF 2'345.- pour une personne seule).<\/td>\n            <\/tr>\n            <tr>\n                <td>Disponibilit\u00e9 du Capital<\/td>\n                <td data-label=\"Pilier 3a (Li\u00e9)\">Bloqu\u00e9. Retrait anticip\u00e9 limit\u00e9 (achat immobilier principal, d\u00e9part de Suisse, ind\u00e9pendance).<\/td>\n                <td data-label=\"Pilier 3b (Libre)\">Libre. Retrait possible \u00e0 tout moment (selon les conditions de rachat de la police).<\/td>\n            <\/tr>\n            <tr>\n                <td>Clause B\u00e9n\u00e9ficiaire<\/td>\n                <td data-label=\"Pilier 3a (Li\u00e9)\">Stricte. D\u00e9finie par la loi (conjoint, puis enfants, etc.). Impossible de la modifier librement.<\/td>\n                <td data-label=\"Pilier 3b (Libre)\">100% Libre. Vous choisissez qui re\u00e7oit le capital (concubin, ami, fondation), hors r\u00e9serves h\u00e9r\u00e9ditaires.<\/td>\n            <\/tr>\n            <tr>\n                <td>Imposition \u00e0 l'\u00e9ch\u00e9ance<\/td>\n                <td data-label=\"Pilier 3a (Li\u00e9)\">Impos\u00e9 \u00e0 un taux r\u00e9duit (distinct du reste des revenus).<\/td>\n                <td data-label=\"Pilier 3b (Libre)\">Exon\u00e9r\u00e9 d'imp\u00f4t (si les conditions de pr\u00e9voyance sont remplies : contrat de >5 ans, versement apr\u00e8s 60 ans).<\/td>\n            <\/tr>\n        <\/tbody>\n    <\/table>\n<\/body>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5863ca1 elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"5863ca1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tNe choisissez pas l'un ou l'autre par d\u00e9faut. Dans plus de 70% des optimisations de portefeuille chez Invexa, la strat\u00e9gie gagnante consiste \u00e0 combiner les deux. Nous saturons d'abord le plafond de votre Pilier 3a pour l'avantage fiscal f\u00e9d\u00e9ral, puis nous utilisons une assurance vie 3b sur-mesure pour couvrir vos risques (d\u00e9c\u00e8s\/invalidit\u00e9) ou financer vos projets \u00e0 moyen-terme.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ea7dc0 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"1ea7dc0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9203a5d\" data-id=\"9203a5d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df72c09 elementor-widget elementor-widget-menu-anchor\" data-id=\"df72c09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"faq\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fd0ba4 elementor-widget elementor-widget-heading\" data-id=\"3fd0ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur l'assurance vie en Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef10afc elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ef10afc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Voici les r\u00e9ponses aux questions les plus fr\u00e9quentes sur l&rsquo;assurance maladie en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b20a7b\" data-id=\"3b20a7b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-89f1345 elementor-widget elementor-widget-toggle\" data-id=\"89f1345\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1441\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1441\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Dans quel cadre puis-je souscire \u00e0 une assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1441\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1441\"><p>Une assurance vie peut \u00eatre souscrite dans le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\">pilie<\/a>r<a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\"> 3a<\/a>, ou dans le pilier 3b.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1442\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1442\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi souscrire une assurance vie ? <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1442\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1442\"><ul><li><p><strong>Protection de la famille et des proches<\/strong> : Pour garantir un capital ou des rentes aux b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s, afin de maintenir leur niveau de vie, rembourser des dettes ou financer des \u00e9tudes.<\/p><\/li><li><p><strong>Pr\u00e9paration \u00e0 la retraite<\/strong> : Une assurance vie mixte ou li\u00e9e \u00e0 un fonds peut \u00eatre utilis\u00e9e pour \u00e9pargner en vue de la retraite, tout en offrant une protection en cas de d\u00e9c\u00e8s.<\/p><\/li><li><p><strong>Couverture contre l&rsquo;incapacit\u00e9 de travail<\/strong> : Certaines assurances vie peuvent \u00eatre souscrites pour se pr\u00e9munir contre la perte de revenu due \u00e0 une incapacit\u00e9 de travail caus\u00e9e par une maladie ou un accident.<\/p><\/li><li><p><strong>Optimisation fiscale<\/strong> : Certaines assurances vie, comme celles li\u00e9es au 3e pilier A (pilier de pr\u00e9voyance individuel), permettent de b\u00e9n\u00e9ficier d&rsquo;avantages fiscaux en Suisse.<\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1443\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1443\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu'est-ce qu'une assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1443\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1443\"><p>Une assurance vie est un contrat d\u2019assurance qui permet d\u2019<strong>\u00e9pargner<\/strong> de l\u2019argent et\/ou en b\u00e9n\u00e9ficiant d\u2019une protection financi\u00e8re pour soi-m\u00eame et ses proches en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9. Elle est souvent utilis\u00e9e \u00e0 des fins de <strong>pr\u00e9voyance<\/strong>, de planification successorale et d\u2019optimisation fiscale.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1444\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1444\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les avantages fiscaux d'une assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1444\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1444\"><p>En Suisse, les assurances vie offrent des <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-et-deduction-dimpot\/\">avantages fiscaux<\/a>, notamment lorsqu&rsquo;elles sont souscrites dans le cadre du <strong>3e pilier A<\/strong> (pr\u00e9voyance individuelle).<\/p><p>Les primes vers\u00e9es sont <strong>d\u00e9ductibles<\/strong> du revenu imposable jusqu\u2019\u00e0 <strong>7&rsquo;258 CHF<\/strong> \/ an pour les salari\u00e9s et jusqu&rsquo;\u00e0 <strong>20% du revenu net<\/strong> (plafonn\u00e9 \u00e0 <strong>36&rsquo;288 CHF<\/strong> \/ an) pour les ind\u00e9pendants. De plus, le capital \u00e9pargn\u00e9 n\u2019est pas impos\u00e9 dans la fortune tant qu&rsquo;il reste dans le compte 3A. Le capital n&rsquo;est tax\u00e9 que lors du retrait, \u00e0 un taux r\u00e9duit.<\/p><p>A Gen\u00e8ve et Fribourg, les cotisations \u00e0 un pilier 3B en assurance sont d\u00e9ductibles du revenu. Les montants d\u00e8s 2026 sont les suivants :<\/p><ul><li><strong>A Gen\u00e8ve:<\/strong> \u00e0 hauteur de <strong>2&rsquo;345 CHF<\/strong> \/ an pour un c\u00e9libataire, <strong>3&rsquo;518<\/strong> pour un couple mari\u00e9 (+<strong>959<\/strong> CHF par enfant)<\/li><li><strong>A Fribourg:<\/strong> <strong>750 CHF<\/strong> \/ an pour une personne, et <strong>1\u2019500 CHF<\/strong> pour un couple mari\u00e9<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1445\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1445\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelle est la dur\u00e9e d\u2019un contrat d\u2019assurance vie ? <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1445\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1445\"><p>La dur\u00e9e d&rsquo;une assurance-vie est d\u00e9finie d\u00e9s le d\u00e9but et doit \u00eatre \u00e9valu\u00e9e en fonction des besoins de couvertures des risques et de l&rsquo;horizon de placement. Elle peut en g\u00e9n\u00e9ral aller de <strong>5 \u00e0 40 ans<\/strong>.<\/p><p>En cas de r\u00e9siliation avant la fin du contrat, la valeur de rachat peut \u00eatre inf\u00e9rieure aux primes vers\u00e9es. Il est donc crucial de d\u00e9finir la dur\u00e9e ad\u00e9quate d\u00e9s le d\u00e9part.<\/p><ul><li><strong>Assurance vie risque pur (d\u00e9c\u00e8s)<\/strong> : Dur\u00e9e fixe (<strong>5 \u00e0 30 ans<\/strong>), se termine au d\u00e9c\u00e8s ou \u00e0 l\u2019\u00e9ch\u00e9ance.<\/li><li><strong>Assurance vie mixte (\u00e9pargne + protection)<\/strong> : Souvent entre <strong>10 et 30 ans<\/strong>, parfois jusqu&rsquo;\u00e0 la retraite.<\/li><li><strong>3e pilier li\u00e9 (3a)<\/strong> : Jusqu\u2019\u00e0 l\u2019\u00e2ge de la retraite (<strong>64-65 ans<\/strong>), avec retrait anticip\u00e9 possible sous conditions.<\/li><li><strong>3e pilier libre (3b)<\/strong> : Plus flexible, dur\u00e9e souvent entre <strong>5 et 30 ans<\/strong>.<\/li><li><strong>Assurance vie avec placement<\/strong> : G\u00e9n\u00e9ralement <strong>10 \u00e0 30 ans<\/strong>, mais d\u00e9pend de l\u2019investissement.<\/li><li><strong>Assurance vie viag\u00e8re<\/strong> : \u00c0 <strong>vie<\/strong>, avec paiement d\u2019une rente jusqu\u2019au d\u00e9c\u00e8s.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1446\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1446\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu'est-ce qu'une valeur de rachat ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1446\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1446\"><p>La <strong>valeur de rachat<\/strong> d\u2019une assurance vie correspond au montant que l\u2019assur\u00e9 peut r\u00e9cup\u00e9rer s\u2019il d\u00e9cide de r\u00e9silier son contrat avant son \u00e9ch\u00e9ance. Elle est principalement applicable aux assurances vie avec une <strong>composante d\u2019\u00e9pargne<\/strong>, comme les assurances vie mixtes ou celles li\u00e9es \u00e0 des placements.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1447\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1447\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les diff\u00e9rents modes de paiement des primes d'assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1447\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1447\"><p>Lorsqu\u2019un preneur d\u2019assurance souscrit une assurance vie, il doit choisir un mode de paiement des primes. Il existe deux principales options : la <strong>prime p\u00e9riodique<\/strong> et la <strong>prime unique<\/strong>.<\/p><p>La prime annuelle est un mode de paiement o\u00f9 l\u2019assur\u00e9 verse sa prime <strong>chaque ann\u00e9e\/semestre\/trimestre\/mois<\/strong>, selon un montant fix\u00e9 dans le contrat. La prime unique correspond \u00e0 un paiement effectu\u00e9 en <strong>une seule fois<\/strong> au d\u00e9but du contrat. L\u2019assur\u00e9 r\u00e8gle ainsi l\u2019int\u00e9gralit\u00e9 du co\u00fbt de son assurance vie d\u00e8s la souscription.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1448\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1448\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Doit-on d\u00e9clarer l\u2019assurance vie aux imp\u00f4ts ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1448\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1448\"><p data-start=\"3187\" data-end=\"3281\">Oui, les contrats d\u2019assurance vie doivent \u00eatre d\u00e9clar\u00e9s aux imp\u00f4ts. La fiscalit\u00e9 varie selon :<\/p><ul data-start=\"3282\" data-end=\"3540\"><li data-start=\"3282\" data-end=\"3303\">Les primes vers\u00e9es,<\/li><li data-start=\"3304\" data-end=\"3326\">La valeur de rachat (3b uniquement),<\/li><li data-start=\"3327\" data-end=\"3540\">Les rentes per\u00e7ues, etc. Les gains b\u00e9n\u00e9ficient souvent d\u2019un traitement fiscal avantageux, mais il est recommand\u00e9 de consulter un conseiller fiscal pour s\u2019assurer de respecter toutes les obligations d\u00e9claratives.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1449\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1449\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment d\u00e9bloquer de l\u2019argent d\u2019une assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1449\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1449\"><p data-start=\"4436\" data-end=\"4502\">Le d\u00e9blocage des fonds peut intervenir dans plusieurs situations\u202f:<\/p><ul data-start=\"4503\" data-end=\"5092\"><li data-start=\"4503\" data-end=\"4587\"><strong data-start=\"4505\" data-end=\"4540\">Arriv\u00e9e \u00e0 \u00e9ch\u00e9ance du contrat :<\/strong> Vous recevez le capital ou les rentes pr\u00e9vues.<\/li><li data-start=\"4588\" data-end=\"4770\"><strong data-start=\"4590\" data-end=\"4619\">Rachat partiel ou total :<\/strong> Vous pouvez demander le rachat anticip\u00e9 du contrat, ce qui implique de r\u00e9cup\u00e9rer la valeur de rachat, moyennant \u00e9ventuellement des frais ou p\u00e9nalit\u00e9s.<\/li><li data-start=\"4771\" data-end=\"5092\"><strong data-start=\"4773\" data-end=\"4795\">Cas particuliers :<\/strong> Certains \u00e9v\u00e9nements exceptionnels (invalidit\u00e9, difficult\u00e9s financi\u00e8res av\u00e9r\u00e9es, etc.) pr\u00e9voient des modalit\u00e9s sp\u00e9cifiques de d\u00e9blocage.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-14410\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-14410\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment fonctionne la participation aux exc\u00e9dents ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-14410\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-14410\"><p>Les <strong>assureurs vie<\/strong> garantissent des prestations et des primes fixes sur une longue p\u00e9riode (20 \u00e0 30 ans). Pour assurer cette stabilit\u00e9, ils adoptent une <strong>marge de s\u00e9curit\u00e9<\/strong> en sur\u00e9valuant les co\u00fbts et en sous-estimant les rendements. Lorsque la gestion est plus favorable que pr\u00e9vu, des <strong>exc\u00e9dents<\/strong> sont g\u00e9n\u00e9r\u00e9s:<\/p><ul><li><strong>Primes de risque<\/strong> : Moins de sinistres que pr\u00e9vu.<\/li><li><strong>Primes d\u2019\u00e9pargne<\/strong> : Meilleur rendement des placements.<\/li><li><strong>Primes de frais<\/strong> : Frais r\u00e9els inf\u00e9rieurs aux estimations.<\/li><\/ul><p>Les exc\u00e9dents peuvent \u00eatre redistribu\u00e9s au client, mais cette participation <strong>n\u2019est pas garantie<\/strong> et d\u00e9pend des r\u00e9sultats financiers de l\u2019assureur. Une fois vers\u00e9s, les exc\u00e9dents appartiennent aux clients et ne peuvent \u00eatre repris.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Dans quel cadre puis-je souscire \\u00e0 une assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Une assurance vie peut \\u00eatre souscrite dans le <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\\\/\\\">pilie<\\\/a>r<a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\\\/\\\"> 3a<\\\/a>, ou dans le pilier 3b.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Pourquoi souscrire une assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><strong>Protection de la famille et des proches<\\\/strong> : Pour garantir un capital ou des rentes aux b\\u00e9n\\u00e9ficiaires en cas de d\\u00e9c\\u00e8s, afin de maintenir leur niveau de vie, rembourser des dettes ou financer des \\u00e9tudes.<\\\/p><\\\/li><li><p><strong>Pr\\u00e9paration \\u00e0 la retraite<\\\/strong> : Une assurance vie mixte ou li\\u00e9e \\u00e0 un fonds peut \\u00eatre utilis\\u00e9e pour \\u00e9pargner en vue de la retraite, tout en offrant une protection en cas de d\\u00e9c\\u00e8s.<\\\/p><\\\/li><li><p><strong>Couverture contre l&rsquo;incapacit\\u00e9 de travail<\\\/strong> : Certaines assurances vie peuvent \\u00eatre souscrites pour se pr\\u00e9munir contre la perte de revenu due \\u00e0 une incapacit\\u00e9 de travail caus\\u00e9e par une maladie ou un accident.<\\\/p><\\\/li><li><p><strong>Optimisation fiscale<\\\/strong> : Certaines assurances vie, comme celles li\\u00e9es au 3e pilier A (pilier de pr\\u00e9voyance individuel), permettent de b\\u00e9n\\u00e9ficier d&rsquo;avantages fiscaux en Suisse.<\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Une assurance vie est un contrat d\\u2019assurance qui permet d\\u2019<strong>\\u00e9pargner<\\\/strong> de l\\u2019argent et\\\/ou en b\\u00e9n\\u00e9ficiant d\\u2019une protection financi\\u00e8re pour soi-m\\u00eame et ses proches en cas de d\\u00e9c\\u00e8s ou d\\u2019invalidit\\u00e9. Elle est souvent utilis\\u00e9e \\u00e0 des fins de <strong>pr\\u00e9voyance<\\\/strong>, de planification successorale et d\\u2019optimisation fiscale.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les avantages fiscaux d'une assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>En Suisse, les assurances vie offrent des <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/3eme-pilier-et-deduction-dimpot\\\/\\\">avantages fiscaux<\\\/a>, notamment lorsqu&rsquo;elles sont souscrites dans le cadre du <strong>3e pilier A<\\\/strong> (pr\\u00e9voyance individuelle).<\\\/p><p>Les primes vers\\u00e9es sont <strong>d\\u00e9ductibles<\\\/strong> du revenu imposable jusqu\\u2019\\u00e0 <strong>7&rsquo;258 CHF<\\\/strong> \\\/ an pour les salari\\u00e9s et jusqu&rsquo;\\u00e0 <strong>20% du revenu net<\\\/strong> (plafonn\\u00e9 \\u00e0 <strong>36&rsquo;288 CHF<\\\/strong> \\\/ an) pour les ind\\u00e9pendants. De plus, le capital \\u00e9pargn\\u00e9 n\\u2019est pas impos\\u00e9 dans la fortune tant qu&rsquo;il reste dans le compte 3A. Le capital n&rsquo;est tax\\u00e9 que lors du retrait, \\u00e0 un taux r\\u00e9duit.<\\\/p><p>A Gen\\u00e8ve et Fribourg, les cotisations \\u00e0 un pilier 3B en assurance sont d\\u00e9ductibles du revenu. Les montants d\\u00e8s 2026 sont les suivants :<\\\/p><ul><li><strong>A Gen\\u00e8ve:<\\\/strong> \\u00e0 hauteur de <strong>2&rsquo;345 CHF<\\\/strong> \\\/ an pour un c\\u00e9libataire, <strong>3&rsquo;518<\\\/strong> pour un couple mari\\u00e9 (+<strong>959<\\\/strong> CHF par enfant)<\\\/li><li><strong>A Fribourg:<\\\/strong> <strong>750 CHF<\\\/strong> \\\/ an pour une personne, et <strong>1\\u2019500 CHF<\\\/strong> pour un couple mari\\u00e9<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la dur\\u00e9e d\\u2019un contrat d\\u2019assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>La dur\\u00e9e d&rsquo;une assurance-vie est d\\u00e9finie d\\u00e9s le d\\u00e9but et doit \\u00eatre \\u00e9valu\\u00e9e en fonction des besoins de couvertures des risques et de l&rsquo;horizon de placement. Elle peut en g\\u00e9n\\u00e9ral aller de <strong>5 \\u00e0 40 ans<\\\/strong>.<\\\/p><p>En cas de r\\u00e9siliation avant la fin du contrat, la valeur de rachat peut \\u00eatre inf\\u00e9rieure aux primes vers\\u00e9es. Il est donc crucial de d\\u00e9finir la dur\\u00e9e ad\\u00e9quate d\\u00e9s le d\\u00e9part.<\\\/p><ul><li><strong>Assurance vie risque pur (d\\u00e9c\\u00e8s)<\\\/strong> : Dur\\u00e9e fixe (<strong>5 \\u00e0 30 ans<\\\/strong>), se termine au d\\u00e9c\\u00e8s ou \\u00e0 l\\u2019\\u00e9ch\\u00e9ance.<\\\/li><li><strong>Assurance vie mixte (\\u00e9pargne + protection)<\\\/strong> : Souvent entre <strong>10 et 30 ans<\\\/strong>, parfois jusqu&rsquo;\\u00e0 la retraite.<\\\/li><li><strong>3e pilier li\\u00e9 (3a)<\\\/strong> : Jusqu\\u2019\\u00e0 l\\u2019\\u00e2ge de la retraite (<strong>64-65 ans<\\\/strong>), avec retrait anticip\\u00e9 possible sous conditions.<\\\/li><li><strong>3e pilier libre (3b)<\\\/strong> : Plus flexible, dur\\u00e9e souvent entre <strong>5 et 30 ans<\\\/strong>.<\\\/li><li><strong>Assurance vie avec placement<\\\/strong> : G\\u00e9n\\u00e9ralement <strong>10 \\u00e0 30 ans<\\\/strong>, mais d\\u00e9pend de l\\u2019investissement.<\\\/li><li><strong>Assurance vie viag\\u00e8re<\\\/strong> : \\u00c0 <strong>vie<\\\/strong>, avec paiement d\\u2019une rente jusqu\\u2019au d\\u00e9c\\u00e8s.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une valeur de rachat ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>La <strong>valeur de rachat<\\\/strong> d\\u2019une assurance vie correspond au montant que l\\u2019assur\\u00e9 peut r\\u00e9cup\\u00e9rer s\\u2019il d\\u00e9cide de r\\u00e9silier son contrat avant son \\u00e9ch\\u00e9ance. Elle est principalement applicable aux assurances vie avec une <strong>composante d\\u2019\\u00e9pargne<\\\/strong>, comme les assurances vie mixtes ou celles li\\u00e9es \\u00e0 des placements.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les diff\\u00e9rents modes de paiement des primes d'assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Lorsqu\\u2019un preneur d\\u2019assurance souscrit une assurance vie, il doit choisir un mode de paiement des primes. Il existe deux principales options : la <strong>prime p\\u00e9riodique<\\\/strong> et la <strong>prime unique<\\\/strong>.<\\\/p><p>La prime annuelle est un mode de paiement o\\u00f9 l\\u2019assur\\u00e9 verse sa prime <strong>chaque ann\\u00e9e\\\/semestre\\\/trimestre\\\/mois<\\\/strong>, selon un montant fix\\u00e9 dans le contrat. La prime unique correspond \\u00e0 un paiement effectu\\u00e9 en <strong>une seule fois<\\\/strong> au d\\u00e9but du contrat. L\\u2019assur\\u00e9 r\\u00e8gle ainsi l\\u2019int\\u00e9gralit\\u00e9 du co\\u00fbt de son assurance vie d\\u00e8s la souscription.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Doit-on d\\u00e9clarer l\\u2019assurance vie aux imp\\u00f4ts ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-start=\\\"3187\\\" data-end=\\\"3281\\\">Oui, les contrats d\\u2019assurance vie doivent \\u00eatre d\\u00e9clar\\u00e9s aux imp\\u00f4ts. La fiscalit\\u00e9 varie selon :<\\\/p><ul data-start=\\\"3282\\\" data-end=\\\"3540\\\"><li data-start=\\\"3282\\\" data-end=\\\"3303\\\">Les primes vers\\u00e9es,<\\\/li><li data-start=\\\"3304\\\" data-end=\\\"3326\\\">La valeur de rachat (3b uniquement),<\\\/li><li data-start=\\\"3327\\\" data-end=\\\"3540\\\">Les rentes per\\u00e7ues, etc. Les gains b\\u00e9n\\u00e9ficient souvent d\\u2019un traitement fiscal avantageux, mais il est recommand\\u00e9 de consulter un conseiller fiscal pour s\\u2019assurer de respecter toutes les obligations d\\u00e9claratives.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Comment d\\u00e9bloquer de l\\u2019argent d\\u2019une assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-start=\\\"4436\\\" data-end=\\\"4502\\\">Le d\\u00e9blocage des fonds peut intervenir dans plusieurs situations\\u202f:<\\\/p><ul data-start=\\\"4503\\\" data-end=\\\"5092\\\"><li data-start=\\\"4503\\\" data-end=\\\"4587\\\"><strong data-start=\\\"4505\\\" data-end=\\\"4540\\\">Arriv\\u00e9e \\u00e0 \\u00e9ch\\u00e9ance du contrat :<\\\/strong> Vous recevez le capital ou les rentes pr\\u00e9vues.<\\\/li><li data-start=\\\"4588\\\" data-end=\\\"4770\\\"><strong data-start=\\\"4590\\\" data-end=\\\"4619\\\">Rachat partiel ou total :<\\\/strong> Vous pouvez demander le rachat anticip\\u00e9 du contrat, ce qui implique de r\\u00e9cup\\u00e9rer la valeur de rachat, moyennant \\u00e9ventuellement des frais ou p\\u00e9nalit\\u00e9s.<\\\/li><li data-start=\\\"4771\\\" data-end=\\\"5092\\\"><strong data-start=\\\"4773\\\" data-end=\\\"4795\\\">Cas particuliers :<\\\/strong> Certains \\u00e9v\\u00e9nements exceptionnels (invalidit\\u00e9, difficult\\u00e9s financi\\u00e8res av\\u00e9r\\u00e9es, etc.) pr\\u00e9voient des modalit\\u00e9s sp\\u00e9cifiques de d\\u00e9blocage.<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Comment fonctionne la participation aux exc\\u00e9dents ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les <strong>assureurs vie<\\\/strong> garantissent des prestations et des primes fixes sur une longue p\\u00e9riode (20 \\u00e0 30 ans). Pour assurer cette stabilit\\u00e9, ils adoptent une <strong>marge de s\\u00e9curit\\u00e9<\\\/strong> en sur\\u00e9valuant les co\\u00fbts et en sous-estimant les rendements. Lorsque la gestion est plus favorable que pr\\u00e9vu, des <strong>exc\\u00e9dents<\\\/strong> sont g\\u00e9n\\u00e9r\\u00e9s:<\\\/p><ul><li><strong>Primes de risque<\\\/strong> : Moins de sinistres que pr\\u00e9vu.<\\\/li><li><strong>Primes d\\u2019\\u00e9pargne<\\\/strong> : Meilleur rendement des placements.<\\\/li><li><strong>Primes de frais<\\\/strong> : Frais r\\u00e9els inf\\u00e9rieurs aux estimations.<\\\/li><\\\/ul><p>Les exc\\u00e9dents peuvent \\u00eatre redistribu\\u00e9s au client, mais cette participation <strong>n\\u2019est pas garantie<\\\/strong> et d\\u00e9pend des r\\u00e9sultats financiers de l\\u2019assureur. Une fois vers\\u00e9s, les exc\\u00e9dents appartiennent aux clients et ne peuvent \\u00eatre repris.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-f48fc31 e-flex e-con-boxed e-con e-parent\" data-id=\"f48fc31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-80809c4 e-con-full sticky-container e-flex e-con e-child\" data-id=\"80809c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:80,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f590eb7 elementor-widget elementor-widget-heading\" data-id=\"f590eb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;bottom&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nos comp\u00e9tences \u00e0 votre service<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a04440e elementor-widget elementor-widget-text-editor\" data-id=\"a04440e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nous offrons un <strong>accompagnement complet<\/strong> pour s\u00e9curiser votre avenir financier et optimiser vos avoirs. Que vous souhaitiez financer un bien immobilier, pr\u00e9parer votre retraite, analyser votre pr\u00e9voyance ou retrouver des avoirs LPP oubli\u00e9s, nos experts vous guident \u00e0 chaque \u00e9tape.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edfbae5 posts-slider elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"edfbae5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir les services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-022184b e-con-full e-flex e-con e-child\" data-id=\"022184b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ea6d9f6 e-con-full e-flex e-con e-child\" data-id=\"ea6d9f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4b440c0 e-con-full e-flex e-con e-child\" data-id=\"4b440c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34f8211 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"34f8211\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/services\/planification-retraite\/\">\n\t\t\t\t\t\t\tPlanification retraite\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPr\u00e9parer sa retraite, c\u2019est anticiper ses revenus et besoins futurs. Nous \u00e9laborons un plan personnalis\u00e9 sur les 3 piliers pour garantir une retraite sereine.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7e27ba elementor-widget elementor-widget-button\" data-id=\"f7e27ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/planification-retraite\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier ma retraite<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5531fee e-con-full e-flex e-con e-child\" data-id=\"5531fee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0613416 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"0613416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/services\/recherche-avoirs-lpp\/\">\n\t\t\t\t\t\t\tGestion d\u2019avoirs LPP\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous retrouvons vos avoirs LPP oubli\u00e9s et vous aidons \u00e0 les regrouper dans une solution adapt\u00e9e pour s\u00e9curiser vos droits acquis.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-432c66e elementor-widget elementor-widget-button\" data-id=\"432c66e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/recherche-avoirs-lpp\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">G\u00e9rer mes avoirs LPP<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0333e8e e-con-full e-flex e-con e-child\" data-id=\"0333e8e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3959c88 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"3959c88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/services\/courtier-en-assurance\/\">\n\t\t\t\t\t\t\tCourtage en assurance\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous comparons les compagnies suisses pour vous proposer des assurances claires et adapt\u00e9es, couvrant aussi bien vos besoins priv\u00e9s que professionnels.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf5290e elementor-widget elementor-widget-button\" data-id=\"bf5290e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/courtier-en-assurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demander un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1b387e e-con-full e-flex e-con e-child\" data-id=\"c1b387e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ee0e21 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"8ee0e21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/services\/hypotheque\/\">\n\t\t\t\t\t\t\tHypoth\u00e8que\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous vous aidons \u00e0 trouver l\u2019hypoth\u00e8que la plus adapt\u00e9e en comparant taux et conditions aupr\u00e8s des principaux acteurs du march\u00e9.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd38b4f elementor-widget elementor-widget-button\" data-id=\"bd38b4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/hypotheque\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Souscrire une hypoth\u00e8que<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28dd80c e-con-full e-flex e-con e-child\" data-id=\"28dd80c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e49262c e-con-full e-flex e-con e-child\" data-id=\"e49262c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5d4a3 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"1a5d4a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/services\/analyse-de-prevoyance\/\">\n\t\t\t\t\t\t\tAnalyse de pr\u00e9voyance\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous analysons vos prestations et avoirs pour d\u00e9tecter les lacunes et proposer des solutions adapt\u00e9es \u00e0 vos besoins futurs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ae9a75 elementor-widget elementor-widget-button\" data-id=\"9ae9a75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/analyse-de-prevoyance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Analyser ma pr\u00e9voyance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bb58d4 e-con-full e-flex e-con e-child\" data-id=\"9bb58d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9096bba elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"9096bba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/services\/pilier-3a\/\">\n\t\t\t\t\t\t\tSolutions de pilier 3a\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous analysons vos prestations et avoirs pour d\u00e9tecter les lacunes et proposer des solutions adapt\u00e9es \u00e0 vos besoins futurs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ee4547 elementor-widget elementor-widget-button\" data-id=\"8ee4547\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/pilier-3a\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ouvrir un pilier 3a<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d20eaeb e-con-full e-flex e-con e-child\" data-id=\"d20eaeb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c8bf27 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"0c8bf27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\/\">\n\t\t\t\t\t\t\tSolutions de pilier 3b\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous vous accompagnons dans le choix d\u2019une solution 3b flexible pour prot\u00e9ger votre famille ou \u00e9pargner librement selon vos projets.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2bd49e elementor-widget elementor-widget-button\" data-id=\"d2bd49e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/services\/pilier-3b\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ouvrir un pilier 3b<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0f3229e elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"0f3229e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-201623f\" data-id=\"201623f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fabda3 elementor-widget elementor-widget-menu-anchor\" data-id=\"4fabda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"conseil\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-531dcf6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"531dcf6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7a2eb3d\" data-id=\"7a2eb3d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ce4aae elementor-widget elementor-widget-heading\" data-id=\"1ce4aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faites-vous conseiller<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d5506c elementor-widget elementor-widget-text-editor\" data-id=\"3d5506c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prenez rendez-vous gratuitement avec un de nos expert en pr\u00e9voyance pour un conseil personnalis\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3662818 elementor-author-box--layout-image-left elementor-author-box--name-yes elementor-author-box--biography-yes elementor-widget elementor-widget-author-box\" data-id=\"3662818\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.linkedin.com\/in\/claire-fivaz\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tClaire Fivaz\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\tClaire Fivaz est conseill\u00e8re certifi\u00e9e IAF en assurance, pr\u00e9voyance et gestion de patrimoine \r\n(<a href=\"https:\/\/www.finma.ch\/fr\/autorisation\/intermediation-dassurance\/registersuche\/F01518014\" target=\"_blank\" rel=\"noopener noreferrer\">\r\nN\u00b0 FINMA: F01518014\r\n<\/a>), et \u00e9galement dipl\u00f4m\u00e9e d'un Bachelor en International Business Management de la HEG Gen\u00e8ve. \r\nForte de plusieurs ann\u00e9es d'exp\u00e9rience en pr\u00e9voyance individuelle et professionnelle en Suisse, \r\nelle accompagne ses clients dans la planification de leur retraite et la gestion de leur patrimoine financier.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-562c902 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"562c902\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-79cd447 e-flex e-con-boxed e-con e-parent\" data-id=\"79cd447\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-90a3f24 e-con-full e-flex e-con e-child\" data-id=\"90a3f24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b828156 elementor-widget elementor-widget-menu-anchor\" data-id=\"b828156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"devis\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b671d elementor-widget elementor-widget-heading\" data-id=\"b3b671d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Demandez un devis pour votre assurance-vie<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-221eda4 elementor-widget elementor-widget-text-editor\" data-id=\"221eda4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Remplissez ce formulaire pour <strong>planifier un conseil dans l&rsquo;assurance vie<\/strong> en Suisse. Nos experts vous prendrons contact avec vous <strong>sous 24h<\/strong>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81bedd4 elementor-widget elementor-widget-html\" data-id=\"81bedd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-81bedd4{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66ca37d elementor-widget elementor-widget-html\" data-id=\"66ca37d\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src=\"https:\/\/js-eu1.hsforms.net\/forms\/embed\/146715982.js\" defer><\/script>\n<div class=\"hs-form-frame\" data-region=\"eu1\" data-form-id=\"764f0011-a9c8-4379-afa8-56856a625f97\" data-portal-id=\"146715982\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life insurance in Switzerland guarantees financial security for your loved ones in the event of death or disability. It also serves as a savings and provident tool.<\/p>","protected":false},"author":1,"featured_media":577,"parent":3081,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-575","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=575"}],"version-history":[{"count":81,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/575\/revisions"}],"predecessor-version":[{"id":9191,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/575\/revisions\/9191"}],"up":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3081"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/577"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}