{"id":9459,"date":"2026-05-21T08:54:26","date_gmt":"2026-05-21T08:54:26","guid":{"rendered":"https:\/\/invexa.ch\/?page_id=9459"},"modified":"2026-05-21T09:10:04","modified_gmt":"2026-05-21T09:10:04","slug":"courtier-assurance-vie","status":"publish","type":"page","link":"https:\/\/invexa.ch\/en\/services\/life-insurance-broker\/","title":{"rendered":"Life Insurance Broker Geneva | Independent FINMA Advice"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9459\" class=\"elementor elementor-9459\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-399afb9 e-flex e-con-boxed e-con e-parent\" data-id=\"399afb9\" 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-ea6390b e-con-full e-flex e-con e-child\" data-id=\"ea6390b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a01a2d7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a01a2d7\" 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-1492833 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"1492833\" 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\">Courtier en assurance vie \u00e0 Gen\u00e8ve<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3774d49 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"3774d49\" 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\tTrouver la bonne assurance vie ne s'improvise pas. Les diff\u00e9rences de rendement, de frais et de couverture entre les produits disponibles sur le march\u00e9 suisse peuvent repr\u00e9senter plusieurs dizaines de milliers de francs sur la dur\u00e9e d'un contrat. En tant que courtier ind\u00e9pendant, Invexa compare les offres et vous recommande la solution adapt\u00e9e \u00e0 votre profil, sans conflit d'int\u00e9r\u00eats.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8607750 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8607750\" 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\">Planifier un 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<div class=\"elementor-element elementor-element-05eecc1 elementor-icon-list--layout-inline elementor-align-center elementor-widget__width-inherit elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"05eecc1\" 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 elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.finma.ch\/fr\/autorisation\/intermediation-dassurance\/registersuche\/F01537672\" target=\"_blank\" rel=\"noopener\">\n\n\t\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-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/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\">Certifi\u00e9 interm\u00e9diaire d'assurance FINMA F01537672<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-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 xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"800px\" height=\"800px\" viewBox=\"-3 0 262 262\" preserveAspectRatio=\"xMidYMid\"><path d=\"M255.878 133.451c0-10.734-.871-18.567-2.756-26.69H130.55v48.448h71.947c-1.45 12.04-9.283 30.172-26.69 42.356l-.244 1.622 38.755 30.023 2.685.268c24.659-22.774 38.875-56.282 38.875-96.027\" fill=\"#4285F4\"><\/path><path d=\"M130.55 261.1c35.248 0 64.839-11.605 86.453-31.622l-41.196-31.913c-11.024 7.688-25.82 13.055-45.257 13.055-34.523 0-63.824-22.773-74.269-54.25l-1.531.13-40.298 31.187-.527 1.465C35.393 231.798 79.49 261.1 130.55 261.1\" fill=\"#34A853\"><\/path><path d=\"M56.281 156.37c-2.756-8.123-4.351-16.827-4.351-25.82 0-8.994 1.595-17.697 4.206-25.82l-.073-1.73L15.26 71.312l-1.335.635C5.077 89.644 0 109.517 0 130.55s5.077 40.905 13.925 58.602l42.356-32.782\" fill=\"#FBBC05\"><\/path><path d=\"M130.55 50.479c24.514 0 41.05 10.589 50.479 19.438l36.844-35.974C195.245 12.91 165.798 0 130.55 0 79.49 0 35.393 29.301 13.925 71.947l42.211 32.783c10.59-31.477 39.891-54.251 74.414-54.251\" fill=\"#EB4335\"><\/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\">Moyenne 5\/5 sur Google<\/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>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a0d9d8 e-flex e-con-boxed e-con e-parent\" data-id=\"5a0d9d8\" 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-788695e e-con-full e-flex e-con e-child\" data-id=\"788695e\" 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-5b3dc7b posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"5b3dc7b\" 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=\"#types-assurances-vie\">\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\">Types d'assurances vie<\/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-2950615 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2950615\" 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=\"#avantages\">\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 avantages<\/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-6bab233 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"6bab233\" 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-6c86dfe posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"6c86dfe\" 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-f325024 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f325024\" 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-ea387be\" data-id=\"ea387be\" 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-1612a01 elementor-widget elementor-widget-menu-anchor\" data-id=\"1612a01\" 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=\"types-assurances-vie\"><\/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-38429bf elementor-widget elementor-widget-heading\" data-id=\"38429bf\" 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\">Les types d'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-85ceb14 elementor-widget elementor-widget-text-editor\" data-id=\"85ceb14\" 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\tL&rsquo;assurance vie en Suisse recouvre plusieurs r\u00e9alit\u00e9s distinctes. Comprendre leurs diff\u00e9rences est essentiel avant de s&rsquo;engager sur plusieurs ann\u00e9es.\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-47c8260 elementor-widget elementor-widget-toggle\" data-id=\"47c8260\" 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<h3 id=\"elementor-tab-title-7521\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7521\" 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\">Assurance vie risque pur<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7521\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7521\"><p>La police risque pur verse un capital aux b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s de l&rsquo;assur\u00e9. Aucune valeur de rachat, aucune \u00e9pargne constitu\u00e9e, uniquement une protection financi\u00e8re pour vos proches. C&rsquo;est la solution la moins co\u00fbteuse pour couvrir un risque d\u00e9c\u00e8s, id\u00e9ale pour prot\u00e9ger un conjoint ou prot\u00e9ger une hypoth\u00e8que.<\/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<h3 id=\"elementor-tab-title-7522\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7522\" 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\">Assurance vie mixte<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7522\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7522\">La police mixte combine \u00e9pargne et couverture risque. Elle constitue un capital sur la dur\u00e9e du contrat, vers\u00e9 soit \u00e0 l&rsquo;\u00e9ch\u00e9ance soit au d\u00e9c\u00e8s. Plus co\u00fbteuse que le risque pur, elle offre une garantie de capital appr\u00e9ci\u00e9e dans certaines strat\u00e9gies patrimoniales. Attention toutefois aux frais de conclusion et de gestion, qui peuvent significativement r\u00e9duire le rendement effectif.<\/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<h3 id=\"elementor-tab-title-7523\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7523\" 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\">Assurance vie li\u00e9e au pilier 3a<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7523\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7523\"><p>Le pilier 3a en assurance est techniquement une assurance vie li\u00e9e \u00e0 la pr\u00e9voyance individuelle. Il combine \u00e9pargne retraite d\u00e9ductible fiscalement, couverture d\u00e9c\u00e8s et, selon les produits, lib\u00e9ration des primes en cas d&rsquo;invalidit\u00e9. <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-axa\/\">AXA SmartFlex<\/a> et <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-generali\/\">Generali 3a Flex<\/a> en sont les exemples les plus comp\u00e9titifs sur le march\u00e9 suisse en 2026.<\/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<h3 id=\"elementor-tab-title-7524\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7524\" 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\">Pr\u00e9voyance libre 3b<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7524\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7524\"><p>Le pilier 3b est une assurance vie sans plafond de versement ni restriction de retrait. \u00c0 Gen\u00e8ve et Fribourg, les primes sont partiellement d\u00e9ductibles fiscalement : un avantage unique en Suisse romande souvent m\u00e9connu.<\/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-219c0f5\" data-id=\"219c0f5\" 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-d44d621 elementor-widget elementor-widget-image\" data-id=\"d44d621\" 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=\"800\" height=\"800\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2-1024x1024.png\" class=\"attachment-large size-large wp-image-3772\" alt=\"Courtage en assurance\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2-1024x1024.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2-300x300.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2-150x150.png 150w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2-768x768.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2-12x12.png 12w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/09\/Courtier-en-assurance-2.png 1375w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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-12e5e05 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"12e5e05\" 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-c0e6a12\" data-id=\"c0e6a12\" 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-ffb83e1 elementor-widget elementor-widget-menu-anchor\" data-id=\"ffb83e1\" 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=\"avantages\"><\/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-a6db4b0 elementor-widget elementor-widget-heading\" data-id=\"a6db4b0\" 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 passer par un courtier en assurance vie 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-34aa742 elementor-widget elementor-widget-text-editor\" data-id=\"34aa742\" 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\tUn agent li\u00e9 \u00e0 un assureur ne peut vous proposer que les produits de sa compagnie. Un courtier ind\u00e9pendant compare l&rsquo;ensemble du march\u00e9 et n&rsquo;a aucun int\u00e9r\u00eat \u00e0 vous recommander un produit plut\u00f4t qu&rsquo;un autre, sinon celui qui correspond le mieux \u00e0 votre situation.\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-08acadb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"08acadb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-e4d5899\" data-id=\"e4d5899\" 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-bb7274c elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bb7274c\" 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 190.277344 350.410156 C 323.382812 283.921875 342.015625 122.921875 342.015625 122.921875 C 252.167969 122.921875 190.277344 44.183594 190.277344 44.183594 C 190.277344 44.183594 128.386719 122.921875 38.539062 122.921875 C 38.539062 122.921875 57.171875 283.921875 190.277344 350.410156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 331.890625 213.617188 C 331.890625 226.855469 260.832031 283.339844 189.351562 283.339844 C 117.867188 283.339844 48.460938 223.5 48.460938 213.617188 C 48.460938 202.8125 117.867188 143.902344 189.351562 143.902344 C 260.832031 143.902344 331.890625 200 331.890625 213.617188 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2302.618668, 1417.955067)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 16754.507325 7659.144674 C 16754.507325 7574.954088 16302.60088 7215.734299 15848.011466 7215.734299 C 15393.397209 7215.734299 14951.99906 7596.293632 14951.99906 7659.144674 C 14951.99906 7727.858501 15393.397209 8102.505365 15848.011466 8102.505365 C 16302.60088 8102.505365 16754.507325 7745.744964 16754.507325 7659.144674 Z M 16754.507325 7659.144674 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 258.851562 213.679688 C 258.851562 250.238281 228.109375 279.875 190.167969 279.875 C 152.242188 279.875 121.484375 250.238281 121.484375 213.679688 C 121.484375 177.089844 152.242188 147.476562 190.167969 147.476562 C 228.109375 147.476562 258.851562 177.089844 258.851562 213.679688 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2302.618668, 1417.955067)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 16290.005829 7658.747197 C 16290.005829 7426.248026 16094.496857 7237.769427 15853.203508 7237.769427 C 15612.009529 7237.769427 15416.401187 7426.248026 15416.401187 7658.747197 C 15416.401187 7891.445107 15612.009529 8079.774652 15853.203508 8079.774652 C 16094.496857 8079.774652 16290.005829 7891.445107 16290.005829 7658.747197 Z M 16290.005829 7658.747197 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 226.097656 213.679688 C 226.097656 234.054688 210.011719 250.589844 190.167969 250.589844 C 170.339844 250.589844 154.253906 234.054688 154.253906 213.679688 C 154.253906 193.273438 170.339844 176.761719 190.167969 176.761719 C 210.011719 176.761719 226.097656 193.273438 226.097656 213.679688 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 190.074219 195.15625 C 190.074219 205.332031 182.039062 213.554688 172.164062 213.554688 C 162.273438 213.554688 154.253906 205.332031 154.253906 195.15625 C 154.253906 184.988281 162.273438 176.761719 172.164062 176.761719 C 182.039062 176.761719 190.074219 184.988281 190.074219 195.15625 \" 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\tAnalyse compl\u00e8te\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\tAvant toute recommandation, nous r\u00e9alisons un bilan approfondi de votre situation familiale, fiscale et patrimoniale. C'est sur cette base que repose un conseil r\u00e9ellement adapt\u00e9 \u00e0 vos besoins.\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-a710bf6\" data-id=\"a710bf6\" 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-4f1119a elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4f1119a\" 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, -1043.156759, 987.483103)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 8494.209782 4580.392024 C 8337.231231 4385.40474 8096.509256 4260.696348 7826.647252 4260.696348 C 7353.550317 4260.696348 6970.009906 4644.087705 6970.009906 5117.209482 C 6970.009906 5590.356102 7353.550317 5973.946197 7826.647252 5973.946197 C 8091.71469 5973.946197 8328.586107 5853.48584 8485.68887 5664.535237 \" 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, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7225.438529 5125.407444 L 7084.607478 5125.407444 \" 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, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7814.722943 5855.473225 L 7814.722943 5704.307774 \" 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, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7814.722943 4536.098187 L 7814.722943 4395.391348 \" 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, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8340.162624 5639.568716 L 8536.367181 5595.82141 L 8550.750878 5796.373371 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 198.894531 182.84375 C 198.894531 190.15625 192.96875 196.085938 185.644531 196.085938 C 178.328125 196.085938 172.394531 190.15625 172.394531 182.84375 C 172.394531 175.535156 178.328125 169.605469 185.644531 169.605469 C 192.96875 169.605469 198.894531 175.535156 198.894531 182.84375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7898.988056 5117.209482 C 7898.988056 5070.70468 7861.302273 5032.994054 7814.722943 5032.994054 C 7768.193298 5032.994054 7730.457831 5070.70468 7730.457831 5117.209482 C 7730.457831 5163.689443 7768.193298 5201.400068 7814.722943 5201.400068 C 7861.302273 5201.400068 7898.988056 5163.689443 7898.988056 5117.209482 Z M 7898.988056 5117.209482 \" 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, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7814.722943 5201.400068 L 7814.722943 5529.094967 \" 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, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 7410.339836 5117.209482 L 7702.386022 5117.209482 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 318.578125 134.507812 L 284.191406 134.507812 C 284.191406 134.507812 274.804688 150.894531 252.203125 154.558594 L 252.203125 205.171875 C 252.203125 205.171875 292.304688 244.328125 301.378906 244.328125 C 310.449219 244.328125 350.558594 205.171875 350.558594 205.171875 L 350.558594 154.558594 C 325.410156 149.636719 318.578125 134.507812 318.578125 134.507812 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1043.156759, 987.483103)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 8411.88237 5040.198324 L 8509.736226 4959.212396 L 8710.809876 5223.9072 \" 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\tComparaison objective\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\tNous acc\u00e9dons aux offres de l'ensemble des assureurs actifs en Suisse romande : AXA, Generali, Swiss Life, Groupe Mutuel, Helvetia et d'autres, sans engagement envers aucun d'entre eux.\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-dbede51\" data-id=\"dbede51\" 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-c45f8d4 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c45f8d4\" 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\tOptimisation fiscale int\u00e9gr\u00e9e\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\tLe choix entre risque pur, contrat mixte, pilier 3a ou pr\u00e9voyance libre 3b a des implications directes sur votre revenu imposable et votre imposition au moment du retrait. Nous int\u00e9grons cette dimension d\u00e8s le d\u00e9part.\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-65778a4\" data-id=\"65778a4\" 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-409c95e elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"409c95e\" 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 94.113281 333.875 L 291.199219 333.875 C 291.199219 223.554688 213.570312 186.507812 213.570312 186.507812 C 213.570312 186.507812 291.183594 149.464844 291.183594 39.125 L 94.082031 39.125 C 94.082031 39.125 94.066406 147.105469 177.230469 186.507812 L 177.246094 186.507812 C 94.082031 225.898438 94.113281 333.875 94.113281 333.875 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3132.30003, 575.13253)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20518.798545 1534.308901 L 21772.192409 1534.308901 C 21772.192409 2235.905395 21278.5012 2471.509854 21278.5012 2471.509854 C 21278.5012 2471.509854 21772.09304 2707.089472 21772.09304 3408.810177 L 20518.599807 3408.810177 C 20518.599807 3408.810177 20518.500437 2722.094227 21047.393199 2471.509854 L 21047.492568 2471.509854 C 20518.599807 2221.000009 20518.798545 1534.308901 20518.798545 1534.308901 Z M 20518.798545 1534.308901 \" 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, -3132.30003, 575.13253)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20307.912183 3408.810177 L 21982.706137 3408.810177 \" 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, -3132.30003, 575.13253)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20319.588068 1534.308901 L 21982.706137 1534.308901 \" 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, -3132.30003, 575.13253)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20437.489667 3408.810177 L 20437.489667 1534.308901 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 273.699219 268.039062 C 273.699219 268.039062 285.871094 299.960938 284.785156 327.539062 L 100.511719 327.539062 C 100.511719 327.539062 102.007812 299.316406 113.4375 267.332031 C 113.4375 267.332031 134.066406 257.976562 157.027344 268.839844 C 179.96875 279.722656 188.144531 270.050781 190.847656 268.542969 C 193.570312 267.046875 210.488281 259.785156 231.007812 269.753906 C 251.542969 279.722656 267.300781 272.097656 273.699219 268.039062 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#b5e0f8\" d=\"M 181.335938 181.570312 L 208.820312 181.570312 C 208.820312 181.570312 241.746094 167.546875 264.0625 125.296875 L 123.296875 125.296875 C 134.367188 149.101562 161.554688 173.867188 181.335938 181.570312 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3132.30003, 575.13253)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 21856.10973 3408.810177 L 21856.10973 1534.308901 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 180.21875 181.117188 C 180.21875 181.117188 188.425781 184.417969 179.070312 191.902344 C 169.699219 199.386719 168.707031 219.8125 179.574219 235.222656 C 190.441406 250.632812 186.414062 257.175781 185.015625 274.691406 C 184.605469 279.691406 194.9375 285.085938 204.9375 272.269531 C 216.414062 257.566406 203.835938 244.1875 201.730469 234.828125 C 199.605469 225.472656 198.253906 213.710938 204.574219 201.886719 C 207.042969 197.3125 208.507812 190.644531 208.507812 190.644531 C 208.507812 190.644531 205.363281 185.347656 209.8125 181.117188 \" 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\tSuivi dans la dur\u00e9e\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\tVotre situation professionnelle, familiale et patrimoniale \u00e9volue. Vos contrats doivent \u00e9voluer avec elle. Nous restons votre interlocuteur unique \u00e0 chaque \u00e9tape.\n\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<div class=\"elementor-element elementor-element-9ba750e elementor-widget elementor-widget-text-editor\" data-id=\"9ba750e\" 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\nLes frais de courtage sont inclus dans les primes d&rsquo;assurance. Vous ne payez rien de plus en passant par un courtier ind\u00e9pendant.\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-2b710ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b710ab\" 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-b30bd0b\" data-id=\"b30bd0b\" 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-2281bb3 elementor-widget elementor-widget-menu-anchor\" data-id=\"2281bb3\" 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=\"approche\"><\/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-c4d4696 elementor-widget elementor-widget-heading\" data-id=\"c4d4696\" 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\">Notre approche<\/h2>\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-5d7ccb1\" data-id=\"5d7ccb1\" 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-ebb853b elementor-widget elementor-widget-text-editor\" data-id=\"ebb853b\" 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>Chaque mandat commence par un bilan complet de votre situation : revenus, charges, couvertures existantes, objectifs de retraite et situation familiale. Sur cette base, nous construisons une recommandation pr\u00e9cise, chiffr\u00e9e et comparative, sans vous orienter vers un produit par d\u00e9faut.<\/p><p>Nous travaillons avec les principaux assureurs actifs en Suisse romande et n&rsquo;avons d&rsquo;engagement contractuel avec aucun d&rsquo;entre eux. Notre r\u00e9mun\u00e9ration est transparente et conforme aux exigences de la Loi sur la surveillance des assurances (LSA).<\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-994683b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"994683b\" 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-d5aff45\" data-id=\"d5aff45\" 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<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a4c5ea elementor-widget elementor-widget-menu-anchor\" data-id=\"1a4c5ea\" 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-5ffa0a0 elementor-widget elementor-widget-heading\" data-id=\"5ffa0a0\" 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\">D\u00e9couvrez nos articles sp\u00e9cialis\u00e9s sur l'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-70f7a7a elementor-widget elementor-widget-text-editor\" data-id=\"70f7a7a\" 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 nos articles sp\u00e9cialis\u00e9s afin de pr\u00e9parer votre retraite et prot\u00e9ger vos proches dans les meilleures conditions.<\/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-658ec11 elementor-grid-4 posts-slider elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"658ec11\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;4&quot;,&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-9213 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3eme-pilier tag-pilier-3a tag-pilier-3b\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-and-serious-illness-can-you-withdraw-your-funds\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-9220\" alt=\"3\u00e8me pilier et maladie grave: Peut-on retirer son argent en cas d&apos;invalidit\u00e9 AI\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/elementor\/thumbs\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-rlp2jmfii020lqavsum9a95dljbp5tnjqkkc8rdw20.png 1100w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI.png 1700w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-and-serious-illness-can-you-withdraw-your-funds\/\">\n\t\t\t\t3\u00e8me pilier et maladie grave : peut-on retirer son argent en cas d\u2019invalidit\u00e9 AI ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-and-serious-illness-can-you-withdraw-your-funds\/\" aria-label=\"Read more about 3\u00e8me pilier et maladie grave : peut-on retirer son argent en cas d\u2019invalidit\u00e9 AI ?\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-885 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-frontalier\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-for-cross-border-commuters\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-768x432.png\" class=\"attachment-medium_large size-medium_large wp-image-926\" alt=\"3\u00e8me pilier pour frontalier\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-768x432.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-300x169.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-1024x576.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-1536x864.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier.png 1680w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-for-cross-border-commuters\/\">\n\t\t\t\t3\u00e8me pilier frontalier suisse (2026) : Fiscalit\u00e9, TOU et retrait\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-for-cross-border-commuters\/\" aria-label=\"Read more about 3\u00e8me pilier frontalier suisse (2026) : Fiscalit\u00e9, TOU et retrait\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-827 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3b tag-3eme-pilier tag-independant\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/pillar-3b\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-974\" alt=\"Pilier 3b tout savoir sur la pr\u00e9voyance libre\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-1536x699.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/elementor\/thumbs\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-r7g211dj7zto4a41om0ar0r5ui3ed3ed2iet87p5e0.png 1100w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2.png 1640w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/pillar-3b\/\">\n\t\t\t\tPilier 3b: tout savoir sur la pr\u00e9voyance libre (2026)\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/pillar-3b\/\" aria-label=\"Read more about Pilier 3b: tout savoir sur la pr\u00e9voyance libre (2026)\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-628 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-independant tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1106\" alt=\"3\u00e8me pilier le guide complet\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet.png 1757w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/\">\n\t\t\t\t3\u00e8me pilier\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/pension\/3rd-pillar\/\" aria-label=\"Read more about 3\u00e8me pilier\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\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-d4d6112 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"d4d6112\" 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-0e97f1d\" data-id=\"0e97f1d\" 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-a280d88 elementor-widget elementor-widget-heading\" data-id=\"a280d88\" 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 les assurances vie<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa0460b elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"aa0460b\" 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 le courtage en assurance vie 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-43e89f3\" data-id=\"43e89f3\" 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-d1b20fd elementor-widget elementor-widget-toggle\" data-id=\"d1b20fd\" 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-2191\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2191\" 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'un courtier en assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2191\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2191\"><p>Un courtier en assurance vie est un interm\u00e9diaire ind\u00e9pendant qui analyse votre situation, compare les offres du march\u00e9 et vous recommande la police la mieux adapt\u00e9e \u00e0 vos besoins. Contrairement \u00e0 un agent li\u00e9, il n&rsquo;est affili\u00e9 \u00e0 aucune compagnie et peut acc\u00e9der \u00e0 l&rsquo;ensemble des produits disponibles sur le march\u00e9 suisse.<\/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-2192\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2192\" 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 diff\u00e9rence entre assurance vie 3a et 3b ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2192\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2192\"><p>Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3a\/\">pilier 3a<\/a> est une pr\u00e9voyance li\u00e9e avec plafond de versement annuel (7 258 CHF pour les salari\u00e9s en 2026) et d\u00e9duction fiscale garantie. Le <a href=\"https:\/\/invexa.ch\/prevoyance\/pilier-3b\/\">pilier 3b<\/a> est une pr\u00e9voyance libre sans plafond, avec une d\u00e9ductibilit\u00e9 fiscale partielle \u00e0 Gen\u00e8ve et Fribourg uniquement. Le choix entre les deux d\u00e9pend de votre situation fiscale, de votre horizon de retraite et de vos objectifs patrimoniaux.<\/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-2193\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2193\" 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\">Est-ce qu'une assurance vie mixte est recommand\u00e9e en Suisse ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2193\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2193\"><p>Pas syst\u00e9matiquement. Une police mixte combine \u00e9pargne et couverture risque, mais les frais int\u00e9gr\u00e9s peuvent r\u00e9duire significativement le rendement par rapport \u00e0 une strat\u00e9gie dissoci\u00e9e avec risque pur d&rsquo;un c\u00f4t\u00e9, placement de l&rsquo;autre. Un courtier ind\u00e9pendant peut chiffrer les deux sc\u00e9narios pour votre profil sp\u00e9cifique.<\/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-2194\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2194\" 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\">Combien co\u00fbte un courtier en assurance vie ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2194\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2194\"><p>Le courtage est r\u00e9mun\u00e9r\u00e9 par une commission vers\u00e9e par l&rsquo;assureur, incluse dans la prime. Pour le client, le passage par un courtier ind\u00e9pendant ne g\u00e9n\u00e8re aucun surco\u00fbt par rapport \u00e0 une souscription directe, mais apporte un conseil personnalis\u00e9 et une comparaison du march\u00e9.<\/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-2195\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2195\" 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 assureurs couvrez-vous ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2195\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2195\"><p>Nous travaillons avec les principaux assureurs actifs en Suisse romande, dont AXA, Generali, Groupe Mutuel, Helvetia et bien plus encore. Notre s\u00e9lection est bas\u00e9e sur la solidit\u00e9 financi\u00e8re, la qualit\u00e9 des produits et la transparence des frais.<\/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-2196\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2196\" 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\">\u00cates-vous autoris\u00e9 par la FINMA ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2196\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2196\"><p>Oui. Invexa S\u00e0rl est enregistr\u00e9 aupr\u00e8s de la FINMA sous le num\u00e9ro <a href=\"https:\/\/www.finma.ch\/fr\/surveillance\/versicherungsvermittler\/registersuche\/F01537672\" target=\"_blank\" rel=\"noopener\">F01537672<\/a> en tant qu&rsquo;interm\u00e9diaire d&rsquo;assurance non li\u00e9.<\/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\":\"Qu'est-ce qu'un courtier en assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Un courtier en assurance vie est un interm\\u00e9diaire ind\\u00e9pendant qui analyse votre situation, compare les offres du march\\u00e9 et vous recommande la police la mieux adapt\\u00e9e \\u00e0 vos besoins. Contrairement \\u00e0 un agent li\\u00e9, il n&rsquo;est affili\\u00e9 \\u00e0 aucune compagnie et peut acc\\u00e9der \\u00e0 l&rsquo;ensemble des produits disponibles sur le march\\u00e9 suisse.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre assurance vie 3a et 3b ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3a\\\/\\\">pilier 3a<\\\/a> est une pr\\u00e9voyance li\\u00e9e avec plafond de versement annuel (7 258 CHF pour les salari\\u00e9s en 2026) et d\\u00e9duction fiscale garantie. Le <a href=\\\"https:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3b\\\/\\\">pilier 3b<\\\/a> est une pr\\u00e9voyance libre sans plafond, avec une d\\u00e9ductibilit\\u00e9 fiscale partielle \\u00e0 Gen\\u00e8ve et Fribourg uniquement. Le choix entre les deux d\\u00e9pend de votre situation fiscale, de votre horizon de retraite et de vos objectifs patrimoniaux.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Est-ce qu'une assurance vie mixte est recommand\\u00e9e en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Pas syst\\u00e9matiquement. Une police mixte combine \\u00e9pargne et couverture risque, mais les frais int\\u00e9gr\\u00e9s peuvent r\\u00e9duire significativement le rendement par rapport \\u00e0 une strat\\u00e9gie dissoci\\u00e9e avec risque pur d&rsquo;un c\\u00f4t\\u00e9, placement de l&rsquo;autre. Un courtier ind\\u00e9pendant peut chiffrer les deux sc\\u00e9narios pour votre profil sp\\u00e9cifique.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Combien co\\u00fbte un courtier en assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Le courtage est r\\u00e9mun\\u00e9r\\u00e9 par une commission vers\\u00e9e par l&rsquo;assureur, incluse dans la prime. Pour le client, le passage par un courtier ind\\u00e9pendant ne g\\u00e9n\\u00e8re aucun surco\\u00fbt par rapport \\u00e0 une souscription directe, mais apporte un conseil personnalis\\u00e9 et une comparaison du march\\u00e9.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels assureurs couvrez-vous ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nous travaillons avec les principaux assureurs actifs en Suisse romande, dont AXA, Generali, Groupe Mutuel, Helvetia et bien plus encore. Notre s\\u00e9lection est bas\\u00e9e sur la solidit\\u00e9 financi\\u00e8re, la qualit\\u00e9 des produits et la transparence des frais.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"\\u00cates-vous autoris\\u00e9 par la FINMA ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui. Invexa S\\u00e0rl est enregistr\\u00e9 aupr\\u00e8s de la FINMA sous le num\\u00e9ro <a href=\\\"https:\\\/\\\/www.finma.ch\\\/fr\\\/surveillance\\\/versicherungsvermittler\\\/registersuche\\\/F01537672\\\">F01537672<\\\/a> en tant qu&rsquo;interm\\u00e9diaire d&rsquo;assurance non li\\u00e9.<\\\/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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5610ce9 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5610ce9\" 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-e21bdb9\" data-id=\"e21bdb9\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c646b62 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c646b62\" 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-50 elementor-inner-column elementor-element elementor-element-9b89e4f\" data-id=\"9b89e4f\" 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-ce91dba elementor-widget elementor-widget-menu-anchor\" data-id=\"ce91dba\" 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<div class=\"elementor-element elementor-element-b1c6a73 elementor-widget elementor-widget-heading\" data-id=\"b1c6a73\" 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-77d8982 elementor-widget elementor-widget-text-editor\" data-id=\"77d8982\" 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>Vous souhaitez comparer les offres d&rsquo;assurance vie adapt\u00e9es \u00e0 votre profil ? Prenez rendez-vous gratuitement avec un conseiller Invexa. Premier entretien sans engagement, r\u00e9ponse sous 24h.<\/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-1ca34d3 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1ca34d3\" 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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b6d687e\" data-id=\"b6d687e\" 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-fd399f0 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"fd399f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;]}\" 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 loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg\" class=\"attachment-full size-full wp-image-493\" alt=\"Se faire conseiller\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg 1600w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-300x200.jpg 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1024x683.jpg 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-768x512.jpg 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Trouver la bonne assurance vie ne s&rsquo;improvise pas. Les diff\u00e9rences de rendement, de frais et de couverture entre les produits disponibles sur le march\u00e9 suisse peuvent repr\u00e9senter plusieurs dizaines de milliers de francs sur la dur\u00e9e d&rsquo;un contrat. En tant que courtier ind\u00e9pendant, Invexa compare les offres et vous recommande la solution adapt\u00e9e \u00e0 votre profil, sans conflit d&rsquo;int\u00e9r\u00eats.<\/p>","protected":false},"author":1,"featured_media":9467,"parent":3081,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-9459","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/9459","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=9459"}],"version-history":[{"count":19,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/9459\/revisions"}],"predecessor-version":[{"id":9491,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/9459\/revisions\/9491"}],"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\/9467"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=9459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}