{"id":13850,"date":"2025-05-28T18:01:35","date_gmt":"2025-05-28T23:01:35","guid":{"rendered":"https:\/\/twinn.ca\/?p=13850"},"modified":"2025-10-13T12:43:47","modified_gmt":"2025-10-13T17:43:47","slug":"assurance-vie-collective","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/","title":{"rendered":"Assurance vie collective : ce qu\u2019il faut savoir avant d\u2019offrir un r\u00e9gime"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dans le march\u00e9 du travail concurrentiel d\u2019aujourd\u2019hui, offrir des avantages sociaux complets n\u2019a jamais \u00e9t\u00e9 aussi essentiel.<br>Parmi ces avantages, l\u2019assurance vie occupe une place importante : elle apporte une tranquillit\u00e9 d\u2019esprit pr\u00e9cieuse aux employ\u00e9s et \u00e0 leurs proches. Bien pens\u00e9e, elle refl\u00e8te aussi l\u2019engagement de votre organisation envers le bien-\u00eatre durable de son \u00e9quipe. Cet article explore les diff\u00e9rents types d\u2019assurance vie propos\u00e9s dans les r\u00e9gimes collectifs, leur r\u00f4le au sein des avantages sociaux, et la mani\u00e8re de les adapter pour r\u00e9pondre \u00e0 la fois aux objectifs de l\u2019entreprise et aux pr\u00e9f\u00e9rences des employ\u00e9s.   <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13850_62f274-77{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13850_62f274-77 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13850_62f274-77 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13850_62f274-77 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13850_62f274-77{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id13850_62f274-77 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id13850_62f274-77{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}.kb-row-layout-id13850_62f274-77{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id13850_62f274-77 > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id13850_62f274-77 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id13850_62f274-77{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id13850_62f274-77 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13850_62f274-77{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13850_62f274-77 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13850_219a8e-30 > .kt-inside-inner-col,.kadence-column13850_219a8e-30 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13850_219a8e-30 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13850_219a8e-30 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13850_219a8e-30 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13850_219a8e-30 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13850_219a8e-30{position:relative;}@media all and (max-width: 1024px){.kadence-column13850_219a8e-30 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13850_219a8e-30 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_219a8e-30\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8, .wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8[data-kb-block=\"kb-adv-heading13850_82b129-a8\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8[data-kb-block=\"kb-adv-heading13850_82b129-a8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8[data-kb-block=\"kb-adv-heading13850_82b129-a8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8, .wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8[data-kb-block=\"kb-adv-heading13850_82b129-a8\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8, .wp-block-kadence-advancedheading.kt-adv-heading13850_82b129-a8[data-kb-block=\"kb-adv-heading13850_82b129-a8\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading13850_82b129-a8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13850_82b129-a8\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13850_b9e00a-93:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13850_b9e00a-93 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13850_b9e00a-93 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items13850_b9e00a-93 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13850_b9e00a-93 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13850_27a30b-0d .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13850_27a30b-0d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13850_27a30b-0d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>L\u2019assurance vie est un pilier<\/strong> des r\u00e9gimes d\u2019assurance groupe, offrant une s\u00e9curit\u00e9 financi\u00e8re aux familles des employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13850_b387e1-4c .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13850_b387e1-4c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13850_b387e1-4c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Les types courants incluent<\/strong> l\u2019assurance vie de base, l\u2019assurance vie facultative et la couverture pour les personnes \u00e0 charge.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13850_92c3ba-27 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13850_92c3ba-27 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13850_92c3ba-27\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Au Qu\u00e9bec, la r\u00e9glementation<\/strong> permet de convertir une assurance vie collective en contrat individuel lors du d\u00e9part de l\u2019employ\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13850_ccfaea-f3 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13850_ccfaea-f3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13850_ccfaea-f3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Aligner les protections d\u2019assurance vie<\/strong> avec les objectifs de l\u2019organisation et les besoins des employ\u00e9s favorise la r\u00e9tention et la satisfaction.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-employee-life-insurance\">Qu\u2019est-ce que l\u2019assurance vie collective?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alors <strong>, qu\u2019est-ce que l\u2019assurance vie des employ\u00e9s<\/strong>? Concr\u00e8tement, l\u2019assurance vie collective est un contrat d\u2019assurance offert par l\u2019employeur. Si un employ\u00e9 d\u00e9c\u00e8de pendant qu\u2019il est couvert, un montant forfaitaire est vers\u00e9 \u00e0 ses b\u00e9n\u00e9ficiaires.<br><br>Selon un rapport de r\u00e9f\u00e9rence publi\u00e9 en 2024, plus de <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.bbd.ca\/blog\/benefits-employees-want\/\" target=\"_blank\" rel=\"noopener\">88 % des employeurs canadiens<\/a><\/span> interrog\u00e9s offrent une assurance vie dans leur r\u00e9gime collectif. Ce n\u2019est pas un hasard : ce type de couverture peut soutenir la famille du d\u00e9funt en couvrant les frais fun\u00e9raires, les dettes ou les d\u00e9penses courantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans une <a href=\"https:\/\/twinn.ca\/fr\/types-assurance-collective\/\">assurance collective<\/a>, l\u2019assurance vie des employ\u00e9s s\u2019ajoute \u00e0 d\u2019autres protections comme l\u2019assurance sant\u00e9 et l\u2019assurance invalidit\u00e9. Ensemble, elles offrent une couverture compl\u00e8te aux employ\u00e9s. Comme le risque est partag\u00e9 entre tous les membres du groupe, les primes sont souvent plus abordables que pour une assurance vie individuelle, au b\u00e9n\u00e9fice des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-image13850_631236-fb .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13850_631236-fb size-full\"><img decoding=\"async\" width=\"1000\" height=\"725\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/employee-life-insurance-policy-on-office-desk.webp\" alt=\"Plan d\u2019assurance-vie des employ\u00e9s sur le bureau\" class=\"kb-img wp-image-13573\" title=\"Plan d\u2019assurance-vie des employ\u00e9s sur le bureau\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/employee-life-insurance-policy-on-office-desk.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/employee-life-insurance-policy-on-office-desk-300x218.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/employee-life-insurance-policy-on-office-desk-768x557.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-employee-life-insurance-work-1\">Comment fonctionne l\u2019assurance-vie des employ\u00e9s?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un aper\u00e7u rapide du fonctionnement typique :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li style=\"line-height:1.6\"><strong>L\u2019employeur choisit un r\u00e9gime<\/strong> : il collabore avec un assureur pour cr\u00e9er un r\u00e9gime collectif adapt\u00e9 \u00e0 son budget et aux besoins de son \u00e9quipe. L\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/\">assurance vie<\/a> est souvent offerte avec d\u2019autres avantages de base, comme l\u2019assurance sant\u00e9, dentaire ou invalidit\u00e9.<\/li>\n\n\n\n<li style=\"line-height:1.6\"><strong>Les employ\u00e9s s\u2019inscrivent automatiquement<\/strong> : Pour la couverture de base, aucun examen m\u00e9dical n\u2019est g\u00e9n\u00e9ralement requis. C\u2019est simple et rapide \u00e0 mettre en place. La couverture facultative ou pour les personnes \u00e0 charge peut exiger un questionnaire m\u00e9dical.  <\/li>\n\n\n\n<li style=\"line-height:1.6\"><strong>Les primes sont partag\u00e9es<\/strong> : L\u2019employeur assume habituellement tout ou une partie de la prime de base. Si un employ\u00e9 veut bonifier sa couverture, l\u2019ajout est d\u00e9duit directement de sa paie. <\/li>\n\n\n\n<li style=\"line-height:1.6\"><strong>En cas de d\u00e9c\u00e8s :<\/strong> Si un employ\u00e9 d\u00e9c\u00e8de pendant la dur\u00e9e de couverture, ses b\u00e9n\u00e9ficiaires re\u00e7oivent un montant forfaitaire non imposable. Ce montant peut \u00eatre fixe ou bas\u00e9 sur un multiple du salaire. <\/li>\n\n\n\n<li style=\"line-height:1.6\"><strong>Options optionnelles<\/strong> : Les employ\u00e9s peuvent souvent augmenter leur protection ou ajouter un conjoint ou des enfants, moyennant un suppl\u00e9ment.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Ces options facultatives peuvent \u00eatre soumises \u00e0 un questionnaire m\u00e9dical ou \u00e0 une p\u00e9riode d\u2019attente, mais la couverture de base est g\u00e9n\u00e9ralement accessible d\u00e8s le d\u00e9part.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"who-is-eligible-for-group-life-insurance-coverage\">Qui est admissible \u00e0 l\u2019assurance vie collective?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Cela d\u00e9pend du r\u00e9gime, mais en g\u00e9n\u00e9ral, les employ\u00e9s \u00e0 temps plein y ont droit.<br>Au Qu\u00e9bec, si vous offrez un r\u00e9gime d\u2019assurance maladie collective, les employ\u00e9s admissibles doivent y adh\u00e9rer, sauf s\u2019ils b\u00e9n\u00e9ficient d\u00e9j\u00e0 d\u2019une couverture \u00e9quivalente. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les employ\u00e9s \u00e0 temps partiel ou temporaires peuvent aussi \u00eatre couverts, selon les r\u00e8gles de votre police. Dans tous les cas, il est essentiel de communiquer clairement les crit\u00e8res d\u2019admissibilit\u00e9 d\u00e8s le d\u00e9part, pour \u00e9viter toute confusion. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13850_8d829f-33{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13850_8d829f-33 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13850_8d829f-33 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13850_8d829f-33 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(55% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(45% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id13850_8d829f-33{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id13850_8d829f-33 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id13850_8d829f-33{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-row-layout-id13850_8d829f-33 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id13850_8d829f-33 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id13850_8d829f-33 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13850_8d829f-33 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col,.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13850_aaddbe-a3{position:relative;}@media all and (max-width: 1024px){.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13850_aaddbe-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_aaddbe-a3\"><div class=\"kt-inside-inner-col\"><style>.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column13850_5c608b-a3{--kb-section-setting-offset:90px;}.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13850_5c608b-a3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13850_5c608b-a3{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_5c608b-a3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13850_5c608b-a3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13850_5c608b-a3{text-align:left;}.kadence-column13850_5c608b-a3{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13850_5c608b-a3{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_5c608b-a3{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13850_5c608b-a3{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_5c608b-a3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13850_5c608b-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_5c608b-a3 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da, .wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da[data-kb-block=\"kb-adv-heading13850_4a96da-da\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da[data-kb-block=\"kb-adv-heading13850_4a96da-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da[data-kb-block=\"kb-adv-heading13850_4a96da-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da, .wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da[data-kb-block=\"kb-adv-heading13850_4a96da-da\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da, .wp-block-kadence-advancedheading.kt-adv-heading13850_4a96da-da[data-kb-block=\"kb-adv-heading13850_4a96da-da\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13850_4a96da-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13850_4a96da-da\">Mettez en place une assurance vie des employ\u00e9s en toute confiance<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce, .wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce[data-kb-block=\"kb-adv-heading13850_24ccf3-ce\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce[data-kb-block=\"kb-adv-heading13850_24ccf3-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce[data-kb-block=\"kb-adv-heading13850_24ccf3-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce, .wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce[data-kb-block=\"kb-adv-heading13850_24ccf3-ce\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce, .wp-block-kadence-advancedheading.kt-adv-heading13850_24ccf3-ce[data-kb-block=\"kb-adv-heading13850_24ccf3-ce\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13850_24ccf3-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13850_24ccf3-ce\">D\u00e9couvrez comment un r\u00e9gime personnalis\u00e9 peut augmenter la satisfaction et la r\u00e9tention de vos employ\u00e9s. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{display:flex;}.kadence-column13850_aac1a9-89 > .kt-inside-inner-col,.kadence-column13850_aac1a9-89 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13850_aac1a9-89 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13850_aac1a9-89{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_aac1a9-89{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13850_aac1a9-89 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13850_aac1a9-89{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13850_aac1a9-89{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_aac1a9-89{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13850_aac1a9-89{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_aac1a9-89{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13850_aac1a9-89 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_aac1a9-89\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81, .wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:right;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"]{display:flex;gap:0.25em;justify-content:right;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81, .wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81, .wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13850_fc4204-81[data-kb-block=\"kb-adv-heading13850_fc4204-81\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13850_fc4204-81 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13850_fc4204-81\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous d\u00e8s maintenant pour une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13850_bdc6e8-be{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns13850_bdc6e8-be .kt-button{font-weight:normal;font-style:normal;}.kt-btns13850_bdc6e8-be .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13850_bdc6e8-be .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13850_bdc6e8-be .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13850_bdc6e8-be .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13850_bdc6e8-be .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13850_bdc6e8-be .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13850_bdc6e8-be .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13850_bdc6e8-be{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13850_bdc6e8-be{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13850_bdc6e8-be\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13850_32447d-c7.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13850_32447d-c7.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13850_32447d-c7 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"designing-an-employee-life-insurance-plan\">Concevoir un r\u00e9gime d\u2019assurance vie collective<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon r\u00e9gime d\u2019assurance vie collective refl\u00e8te les besoins r\u00e9els de votre \u00e9quipe tout en respectant les priorit\u00e9s de votre entreprise. Voici les grandes \u00e9tapes pour y parvenir : comprendre votre personnel, choisir la bonne couverture, structurer les co\u00fbts et bien communiquer le tout pour que ce b\u00e9n\u00e9fice ait un r\u00e9el impact. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-understand-your-team\"><strong>1. Comprendre votre \u00e9quipe<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de choisir un r\u00e9gime ou de fixer un budget, prenez du recul et r\u00e9fl\u00e9chissez \u00e0 qui vous cherchez \u00e0 prot\u00e9ger. Un bon r\u00e9gime ne repose pas sur un mod\u00e8le g\u00e9n\u00e9rique, mais sur les r\u00e9alit\u00e9s concr\u00e8tes de vos employ\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commencez par les donn\u00e9es d\u00e9mographiques. Vos employ\u00e9s sont-ils surtout jeunes et c\u00e9libataires? Des professionnels avec enfants et hypoth\u00e8ques ? Proches de la retraite ? Chaque groupe a ses propres attentes. Les plus jeunes recherchent souvent de la flexibilit\u00e9 et un co\u00fbt abordable. Les employ\u00e9s plus \u00e2g\u00e9s pr\u00e9f\u00e8rent une couverture stable et plus \u00e9lev\u00e9e.      <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, pensez aux niveaux de revenu. Si les salaires varient beaucoup, une somme forfaitaire unique pourrait \u00eatre trop basse pour certains et trop \u00e9lev\u00e9e pour d&rsquo;autres. Une couverture \u00e9quivalente \u00e0 un multiple du salaire annuel (1x ou 2x, par exemple) peut offrir un meilleur \u00e9quilibre.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autres facteurs \u00e0 consid\u00e9rer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Situation familiale<\/strong> : Combien d\u2019employ\u00e9s ont des personnes \u00e0 charge qui d\u00e9pendent de leur revenu ?<\/li>\n\n\n\n<li><strong>Type d\u2019emploi et niveau de risque<\/strong> : S\u2019agit-il de postes de bureau ou de r\u00f4les qui impliquent des d\u00e9placements, du travail physique ou d&rsquo;autres risques ?<\/li>\n\n\n\n<li><strong>Commentaires des employ\u00e9s<\/strong> : Que disent-ils au sujet de l\u2019assurance vie dans les sondages internes, les entretiens d\u2019embauche ou les d\u00e9parts ?<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"build-the-foundation-first\"><strong>2. D\u00e9terminer les niveaux de couverture<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois que vous comprenez votre personnel, vous pouvez d\u00e9finir des niveaux de couverture coh\u00e9rents. Au Canada, les types d\u2019assurance vie collective les plus courants sont :  <\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th><strong>Type de couverture<\/strong><\/th><th><strong>Ce qu\u2019il comprend<\/strong><\/th><th><strong>Id\u00e9al pour<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Assurance vie de base<\/strong><\/td><td>Montant fixe (p. ex., 25 000 $ ou 50 000 $) ou un multiple de salaire (1x ou 2x).<\/td><td>Tous les employ\u00e9s, c&rsquo;est un filet de s\u00e9curit\u00e9 standard dans presque tous les secteurs.<\/td><\/tr><tr><td><strong>Assurance vie facultative<\/strong><\/td><td>Couverture additionnelle jusqu\u2019\u00e0 3x ou 4x le salaire ou un plafond donn\u00e9. Peut exiger un questionnaire m\u00e9dical. <\/td><td>Les employ\u00e9s ayant des personnes \u00e0 charge, des hypoth\u00e8ques ou d\u2019autres responsabilit\u00e9s financi\u00e8res.<\/td><\/tr><tr><td><strong>Assurance vie pour personnes \u00e0 charge<\/strong><\/td><td>Prestation forfaitaire en cas de d\u00e9c\u00e8s d\u2019un conjoint ou d\u2019un enfant. Montants communs : 5 000 $ \u00e0 15 000 $. <\/td><td>Employ\u00e9s avec famille qui souhaitent pr\u00e9voir les frais finaux \u00e9ventuels.<\/td><\/tr><tr><td><strong>D\u00e9c\u00e8s et mutilation accidentels (DMA)<\/strong><\/td><td>Montant additionnel si le d\u00e9c\u00e8s ou une invalidit\u00e9 grave r\u00e9sulte d\u2019un accident. Souvent inclus avec l\u2019assurance de base. <\/td><td>Employ\u00e9s occupant des postes \u00e0 risque ou d\u00e9sirant une protection suppl\u00e9mentaire.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Certaines entreprises offrent aussi d\u2019autres options facultatives comme une assurance vie permanente ou une <a href=\"https:\/\/www.bmo.com\/insurance\/critical-illness-insurance\" target=\"_blank\" rel=\"noopener\">assurance maladies graves,<\/a> souvent dans des r\u00e9gimes \u00e0 participation volontaire.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-decide-on-cost-sharing\"><strong>3. D\u00e9cidez du partage des co\u00fbts<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Qui paie quoi? Cette question est centrale et influence grandement la perception du r\u00e9gime. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des employeurs offrent une assurance vie de base \u00e0 leurs employ\u00e9s, un peu comme ils le font pour l\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-maladie-collective\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/assurance-maladie-collective\/\">assurance sant\u00e9<\/a> dans un r\u00e9gime collectif. C\u2019est une fa\u00e7on peu co\u00fbteuse d\u2019apporter une vraie valeur ajout\u00e9e et de renforcer la confiance. En g\u00e9n\u00e9ral, l\u2019employeur paie 100 % de la couverture de base, par exemple l\u2019\u00e9quivalent d\u2019un an de salaire ou entre 25 000 $ et 50 000 $.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, les employ\u00e9s peuvent choisir de payer pour des options suppl\u00e9mentaires, comme :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une assurance vie facultative pour eux-m\u00eames<\/li>\n\n\n\n<li>Couverture pour les personnes \u00e0 charge d\u2019un conjoint ou d\u2019un enfant<\/li>\n\n\n\n<li>Couverture plus \u00e9lev\u00e9e des <a href=\"https:\/\/www.progressive.com\/answers\/life-insurance-vs-accidental-death-insurance\/\" target=\"_blank\" rel=\"noopener\">DMA<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce mod\u00e8le permet d\u2019offrir une base solide sans exploser votre budget, tout en laissant les employ\u00e9s personnaliser leur protection selon leurs besoins et leur situation.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Conseil :<\/strong> Soyez transparent sur les co\u00fbts. Expliquez ce que chaque option repr\u00e9sente sur la paie, et ce qu\u2019elle couvre. Cette clart\u00e9 augmente la participation et la satisfaction.  <\/p>\n<\/blockquote>\n\n\n<style>.kb-image13850_ca813c-27 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13850_ca813c-27 size-full\"><img decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-of-employees-satisfied-group-life-insurance-plan.webp\" alt=\"\" class=\"kb-img wp-image-13579\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-of-employees-satisfied-group-life-insurance-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-of-employees-satisfied-group-life-insurance-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-of-employees-satisfied-group-life-insurance-plan-768x513.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4\"><strong>4. Communiquez clairement<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame le meilleur r\u00e9gime perd de sa valeur s\u2019il est mal compris. La communication ne devrait pas \u00eatre une r\u00e9flexion de derni\u00e8re minute, elle fait partie int\u00e9grante de la strat\u00e9gie.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Utilisez un langage clair, accessible et concret. \u00c9vitez le jargon et concentrez-vous sur les vraies questions que se posent les employ\u00e9s :  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00ab Que se passe-t-il si je quitte l\u2019entreprise? \u00bb<\/li>\n\n\n\n<li>\u00ab Combien ma famille recevrait-elle? \u00bb<\/li>\n\n\n\n<li>\u00ab Puis-je obtenir plus de couverture si j\u2019en ai besoin? \u00bb<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les visuels sont vos alli\u00e9s : tableaux r\u00e9capitulatifs, vid\u00e9os courtes ou FAQ peuvent faire une vraie diff\u00e9rence. Et n\u2019attendez pas juste l\u2019int\u00e9gration des nouveaux, relancez le sujet pendant la p\u00e9riode de r\u00e9vision des avantages, lors d\u2019\u00e9v\u00e9nements de vie ou de changements r\u00e9glementaires.  <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"example-communication-graphic-life-insurance-summary-card\">Exemple de graphique de communication : Carte sommaire de l\u2019assurance-vie<\/h4>\n\n\n\n<figure style=\"padding-bottom:var(--wp--preset--spacing--40)\" class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Type de couverture<\/strong><\/th><th><strong>Montant<\/strong><\/th><th><strong>Inclus dans<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Vie de base<\/td><td>1x Salaire<\/td><td>Garanties collectives standard<\/td><\/tr><tr><td>Vie facultative<\/td><td>Jusqu\u2019\u00e0 500 000 $<\/td><td>Ajout volontaire<\/td><\/tr><tr><td>Vie \u00e0 charge<\/td><td>10 000 $ Conjoint<\/td><td>Facultatif<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Ce genre de support aide les employ\u00e9s \u00e0 mieux comprendre leurs protections, et \u00e0 les utiliser. Plus de clart\u00e9 = plus de confiance = plus de valeur per\u00e7ue.  <\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"regulatory-considerations-in-quebec\"><strong>5. Consid\u00e9rations r\u00e9glementaires au Canada<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance vie est r\u00e9gie par les provinces, donc les r\u00e8gles peuvent varier selon l\u2019endroit o\u00f9 vivent vos employ\u00e9s. M\u00eame si la structure g\u00e9n\u00e9rale des r\u00e9gimes collectifs est assez uniforme, voici quelques diff\u00e9rences importantes : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Divulgations obligatoires :<\/strong> Partout au Canada, les employeurs doivent fournir des explications claires sur la couverture, les crit\u00e8res d\u2019admissibilit\u00e9 et les exclusions \u00e9ventuelles.Cela comprend la fourniture aux employ\u00e9s de <strong>documents clairs<\/strong> d\u00e9crivant leurs avantages sociaux. <\/li>\n\n\n\n<li><strong>D\u00e9signation du b\u00e9n\u00e9ficiaire<\/strong> : Au Qu\u00e9bec, le droit civil s\u2019applique. Par exemple, un conjoint d\u00e9sign\u00e9 comme b\u00e9n\u00e9ficiaire irr\u00e9vocable doit consentir \u00e0 tout changement futur. <\/li>\n\n\n\n<li><strong>Droits de conversion<\/strong> : Dans la plupart des provinces, les employ\u00e9s peuvent convertir leur assurance collective en police individuelle dans les 31 jours suivant leur d\u00e9part, sans preuve m\u00e9dicale. Les conditions minimales peuvent varier, <strong>il est important de clarifier les responsabilit\u00e9s de l\u2019employeur.<\/strong> <\/li>\n\n\n\n<li><strong>R\u00e9percussions fiscales<\/strong> : Partout au Canada, les paiements d\u2019assurance-vie sont g\u00e9n\u00e9ralement libres d\u2019imp\u00f4t pour les b\u00e9n\u00e9ficiaires. Cependant, les primes pay\u00e9es par l\u2019employeur sont souvent consid\u00e9r\u00e9es comme un avantage imposable pour l\u2019employ\u00e9, en particulier en Ontario et dans d\u2019autres provinces de common law. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Conseil : Travaillez avec un conseiller autoris\u00e9 qui conna\u00eet bien les r\u00e8gles de votre province \u2014 c\u2019est la meilleure fa\u00e7on d\u2019assurer conformit\u00e9 et tranquillit\u00e9 d\u2019esprit. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance vie collective est un \u00e9l\u00e9ment cl\u00e9 d\u2019un r\u00e9gime d\u2019avantages sociaux bien con\u00e7u. Qu\u2019il s\u2019agisse de la couverture de base, des options facultatives ou de la protection pour les personnes \u00e0 charge, un bon programme offre tranquillit\u00e9 d\u2019esprit aux employ\u00e9s tout en soutenant les objectifs \u00e0 long terme de l\u2019entreprise. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019essentiel, c\u2019est de trouver le bon \u00e9quilibre entre co\u00fbt, couverture et clart\u00e9. En comprenant les diff\u00e9rents types d\u2019assurance vie offerts au Canada, en tenant compte des r\u00e8gles provinciales et en alignant votre r\u00e9gime sur les v\u00e9ritables besoins de vos employ\u00e9s, vous pouvez offrir un avantage qui a un r\u00e9el impact. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13850_85d801-f9{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13850_85d801-f9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13850_85d801-f9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13850_85d801-f9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 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.kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_064fd8-b6 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07, .wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07[data-kb-block=\"kb-adv-heading13850_cca126-07\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07[data-kb-block=\"kb-adv-heading13850_cca126-07\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07[data-kb-block=\"kb-adv-heading13850_cca126-07\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07, .wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07[data-kb-block=\"kb-adv-heading13850_cca126-07\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07, .wp-block-kadence-advancedheading.kt-adv-heading13850_cca126-07[data-kb-block=\"kb-adv-heading13850_cca126-07\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13850_cca126-07 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13850_cca126-07\">Mettez en place une assurance vie des employ\u00e9s en toute confiance<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69, .wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69[data-kb-block=\"kb-adv-heading13850_224001-69\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69[data-kb-block=\"kb-adv-heading13850_224001-69\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69[data-kb-block=\"kb-adv-heading13850_224001-69\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69, .wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69[data-kb-block=\"kb-adv-heading13850_224001-69\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69, .wp-block-kadence-advancedheading.kt-adv-heading13850_224001-69[data-kb-block=\"kb-adv-heading13850_224001-69\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13850_224001-69 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13850_224001-69\">D\u00e9couvrez comment un r\u00e9gime personnalis\u00e9 peut augmenter la satisfaction et la r\u00e9tention de vos employ\u00e9s. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13850_dba95e-51 > .kt-inside-inner-col{display:flex;}.kadence-column13850_dba95e-51 > .kt-inside-inner-col,.kadence-column13850_dba95e-51 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13850_dba95e-51 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13850_dba95e-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13850_dba95e-51 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13850_dba95e-51{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_dba95e-51{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_dba95e-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13850_dba95e-51 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13850_dba95e-51{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13850_dba95e-51{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_dba95e-51{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_dba95e-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13850_dba95e-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13850_dba95e-51{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_dba95e-51{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13850_dba95e-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13850_dba95e-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_dba95e-51\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28, .wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:right;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"]{display:flex;gap:0.25em;justify-content:right;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28, .wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28, .wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13850_115a27-28[data-kb-block=\"kb-adv-heading13850_115a27-28\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13850_115a27-28 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13850_115a27-28\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous d\u00e8s maintenant pour une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13850_44245c-c4{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns13850_44245c-c4 .kt-button{font-weight:normal;font-style:normal;}.kt-btns13850_44245c-c4 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13850_44245c-c4 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13850_44245c-c4 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13850_44245c-c4 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13850_44245c-c4 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13850_44245c-c4 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13850_44245c-c4 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13850_44245c-c4{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13850_44245c-c4{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13850_44245c-c4\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13850_0f92ee-7d.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13850_0f92ee-7d.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13850_0f92ee-7d kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13850_1a9043-f5, .wp-block-kadence-advancedheading.kt-adv-heading13850_1a9043-f5[data-kb-block=\"kb-adv-heading13850_1a9043-f5\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13850_1a9043-f5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13850_1a9043-f5[data-kb-block=\"kb-adv-heading13850_1a9043-f5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13850_1a9043-f5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13850_1a9043-f5[data-kb-block=\"kb-adv-heading13850_1a9043-f5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading13850_1a9043-f5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13850_1a9043-f5\">Des questions ? Nous avons des r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame avec une bonne base, employ\u00e9s et employeurs ont souvent des questions de suivi. Voici quelques r\u00e9ponses utiles : <\/p>\n\n\n<style>.kadence-column13850_6d0de1-9e > .kt-inside-inner-col,.kadence-column13850_6d0de1-9e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13850_6d0de1-9e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13850_6d0de1-9e > .kt-inside-inner-col{flex-direction:column;}.kadence-column13850_6d0de1-9e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13850_6d0de1-9e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13850_6d0de1-9e{position:relative;}@media all and (max-width: 1024px){.kadence-column13850_6d0de1-9e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13850_6d0de1-9e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13850_6d0de1-9e inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-042ab4a3 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>L\u2019assurance-vie des employ\u00e9s est-elle imposable au Qu\u00e9bec ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En g\u00e9n\u00e9ral, les primes pay\u00e9es par l\u2019employeur sont consid\u00e9r\u00e9es comme un avantage imposable pour l\u2019employ\u00e9, mais le montant vers\u00e9 au b\u00e9n\u00e9ficiaire est non imposable.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les employ\u00e9s peuvent-ils conserver leur couverture s\u2019ils quittent l\u2019entreprise ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Habituellement, la couverture prend fin \u00e0 la fin de l\u2019emploi. Cependant, certaines polices permettent une conversion en assurance individuelle (souvent sans preuve m\u00e9dicale), dans un d\u00e9lai limit\u00e9 apr\u00e8s le d\u00e9part.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>En quoi l\u2019assurance vie des employ\u00e9s diff\u00e8re-t-elle de l\u2019assurance vie personnelle ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L\u2019assurance vie collective est plus abordable et ne n\u00e9cessite pas de s\u00e9lection m\u00e9dicale pour la couverture de base, mais elle offre moins de flexibilit\u00e9 et un montant de protection souvent plus bas qu\u2019une assurance individuelle.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>L\u2019assurance vie facultative exige-t-elle une preuve m\u00e9dicale?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Souvent oui. Si un employ\u00e9 demande une couverture sup\u00e9rieure au montant garanti, il devra remplir un questionnaire m\u00e9dical ou fournir des preuves de sant\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les employ\u00e9s \u00e0 temps partiel peuvent-ils obtenir une couverture d\u2019assurance vie ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00c7a d\u00e9pend du r\u00e9gime. Certains employeurs incluent les employ\u00e9s \u00e0 temps partiel, tandis que d\u2019autres r\u00e9servent la couverture aux employ\u00e9s \u00e0 temps plein.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-459c30eb\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>L\u2019assurance-vie des employ\u00e9s est-elle imposable au Qu\u00e9bec ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En g\u00e9n\u00e9ral, les primes pay\u00e9es par l\u2019employeur sont consid\u00e9r\u00e9es comme un avantage imposable pour l\u2019employ\u00e9, mais le montant vers\u00e9 au b\u00e9n\u00e9ficiaire est non imposable.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-458637d0\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les employ\u00e9s peuvent-ils conserver leur couverture s\u2019ils quittent l\u2019entreprise ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Habituellement, la couverture prend fin \u00e0 la fin de l\u2019emploi. Cependant, certaines polices permettent une conversion en assurance individuelle (souvent sans preuve m\u00e9dicale), dans un d\u00e9lai limit\u00e9 apr\u00e8s le d\u00e9part.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-54b5a9f6\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>En quoi l\u2019assurance vie des employ\u00e9s diff\u00e8re-t-elle de l\u2019assurance vie personnelle ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>L\u2019assurance vie collective est plus abordable et ne n\u00e9cessite pas de s\u00e9lection m\u00e9dicale pour la couverture de base, mais elle offre moins de flexibilit\u00e9 et un montant de protection souvent plus bas qu\u2019une assurance individuelle.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-12946ba5\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>L\u2019assurance vie facultative exige-t-elle une preuve m\u00e9dicale?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Souvent oui. Si un employ\u00e9 demande une couverture sup\u00e9rieure au montant garanti, il devra remplir un questionnaire m\u00e9dical ou fournir des preuves de sant\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-f56b9cb5\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les employ\u00e9s \u00e0 temps partiel peuvent-ils obtenir une couverture d\u2019assurance vie ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>\u00c7a d\u00e9pend du r\u00e9gime. Certains employeurs incluent les employ\u00e9s \u00e0 temps partiel, tandis que d\u2019autres r\u00e9servent la couverture aux employ\u00e9s \u00e0 temps plein.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dans le march\u00e9 du travail concurrentiel d\u2019aujourd\u2019hui, offrir des avantages sociaux complets n\u2019a jamais \u00e9t\u00e9 aussi essentiel.Parmi ces avantages, l\u2019assurance&#8230;<\/p>\n","protected":false},"author":15,"featured_media":13578,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[101],"tags":[],"post_folder":[],"class_list":["post-13850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-collective"],"acf":[],"taxonomy_info":{"category":[{"value":101,"label":"Assurance collective"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/family-three-spending-time-together-outdoors-protected-with-employee-life-insurance-1024x683.webp",1024,683,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":101,"name":"Assurance collective","slug":"assurance-collective","term_group":0,"term_taxonomy_id":101,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":101,"category_count":4,"category_description":"","cat_name":"Assurance collective","category_nicename":"assurance-collective","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=13850"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13850\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/13578"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=13850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=13850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=13850"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=13850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}