{"id":25300,"date":"2023-11-29T21:36:52","date_gmt":"2023-11-29T21:36:52","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=25300"},"modified":"2024-05-24T13:45:02","modified_gmt":"2024-05-24T13:45:02","slug":"lassurance-protection-pret-un-moyen-de-proteger-son-epargne","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/lassurance-protection-pret-un-moyen-de-proteger-son-epargne\/","title":{"rendered":"L&rsquo;assurance protection pr\u00eat : un moyen de prot\u00e9ger son \u00e9pargne"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\">\n\t\t\t\t\t\t\t<span>Finances personnelles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">L&rsquo;assurance protection pr\u00eat : un moyen de prot\u00e9ger son \u00e9pargne<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une famille, une voiture, une maison sont prot\u00e9g\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/11\/Loan_Protection_Insurance___Article.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=L&rsquo;assurance protection pr\u00eat : un moyen de prot\u00e9ger son \u00e9pargne &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/lassurance-protection-pret-un-moyen-de-proteger-son-epargne\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/lassurance-protection-pret-un-moyen-de-proteger-son-epargne\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 29 novembre 2023 \u2022 8 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>L&rsquo;assurance protection pr\u00eat est un filet de s\u00e9curit\u00e9 financi\u00e8re de plus pour pallier les impr\u00e9vus. Nous r\u00e9pondons ici \u00e0 vos questions sur ce produit d&rsquo;assurance extr\u00eamement utile.<\/p>\n\n\n\n<p>Les pr\u00eats constituent l&rsquo;un des nombreux outils financiers qui nous permettent d&rsquo;effectuer des achats importants, comme une voiture ou un voyage tant attendu pour rendre visite \u00e0 sa famille. L&rsquo;assurance protection pr\u00eat vous offre une certaine s\u00e9curit\u00e9 : elle prot\u00e8ge le pr\u00eat en vous aidant \u00e0 effectuer les versements p\u00e9riodiques ou \u00e0 rembourser une partie ou la totalit\u00e9 du solde advenant un impr\u00e9vu (un accident, une maladie ou un d\u00e9c\u00e8s).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principaux points \u00e0 retenir<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>L&rsquo;assurance protection pr\u00eat peut couvrir vos versements sur pr\u00eat ou marge de cr\u00e9dit, ou rembourser une partie ou la totalit\u00e9 du solde de votre pr\u00eat en cas de blessure, de maladie ou de d\u00e9c\u00e8s.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>L&rsquo;assurance protection pr\u00eat se d\u00e9cline sous plusieurs formes, notamment l&rsquo;assurance vie, l&rsquo;assurance maladies graves et l&rsquo;assurance invalidit\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le co\u00fbt de l&rsquo;assurance protection pr\u00eat est \u00e9tabli en fonction du solde de votre pr\u00eat, de votre \u00e2ge et du type de protection que vous choisissez.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>En g\u00e9n\u00e9ral, vous pouvez pr\u00e9senter une demande d&rsquo;assurance protection pr\u00eat en ligne, par t\u00e9l\u00e9phone ou \u00e0 votre \u00e9tablissement financier.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Qu&rsquo;est-ce que l&rsquo;assurance protection pr\u00eat ?<\/h3>\n\n\n\n<p>Les emprunteurs qui g\u00e8rent bien leur agent savent \u00e0 quel point il est important d&rsquo;acquitter r\u00e9guli\u00e8rement et \u00e0 temps leurs versements sur pr\u00eat et marge de cr\u00e9dit. Or, certaines situations peuvent leur en emp\u00eacher. Supposons par exemple qu&rsquo;une blessure invalidante vous oblige \u00e0 rester chez vous, sans pouvoir travailler pendant une longue p\u00e9riode. L&rsquo;assurance protection pr\u00eat peut vous apporter un peu de r\u00e9confort en vous aidant \u00e0 prot\u00e9ger votre pr\u00eat si vous rencontrez des difficult\u00e9s \u00e0 assumer vos versements p\u00e9riodiques. Selon le type d&rsquo;assurance que vous choisissez, vous pouvez aussi \u00eatre couvert pour certaines maladies graves et pour le d\u00e9c\u00e8s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne l&rsquo;assurance protection pr\u00eat ?<\/h3>\n\n\n\n<p>En ce que qui concerne l&rsquo;assurance protection pr\u00eat sur une marge de cr\u00e9dit ou un pr\u00eat, vous avez plusieurs options. En g\u00e9n\u00e9ral, vous pouvez choisir parmi trois types d&rsquo;assurance protection pr\u00eat :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Assurance vie<\/h3>\n\n\n\n<p>Cette assurance, diff\u00e9rente de l&rsquo;assurance vie qui pr\u00e9voit le versement de prestations \u00e0 vos proches \u00e0 votre d\u00e9c\u00e8s, est directement rattach\u00e9e \u00e0 vos marges de cr\u00e9dit ou pr\u00eats. Ce type d&rsquo;assurance peut rembourser en partie ou en totalit\u00e9 le solde de marges de cr\u00e9dit ou de pr\u00eats assur\u00e9s advenant votre d\u00e9c\u00e8s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Assurance maladies graves<\/h3>\n\n\n\n<p>Si vous venez de recevoir un diagnostic de maladie grave couverte ou \u00eates atteint d&rsquo;une telle maladie (cancer avec faible chance de survie, crise cardiaque ou accident vasculaire c\u00e9r\u00e9bral), ce type d&rsquo;assurance pr\u00e9voit le remboursement en partie ou en totalit\u00e9 de marges de cr\u00e9dit ou de pr\u00eats assur\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Assurance invalidit\u00e9<\/h3>\n\n\n\n<p>Si vous \u00eates victime d&rsquo;un accident ou atteint d&rsquo;une maladie \u00e0 l&rsquo;origine d&rsquo;une invalidit\u00e9 qui vous emp\u00eache de travailler, l&rsquo;assurance invalidit\u00e9 peut vous aider \u00e0 honorer vos versements p\u00e9riodiques sur pr\u00eat ou \u00e0 rembourser un pourcentage pr\u00e9d\u00e9termin\u00e9 de votre marge de cr\u00e9dit.<\/p>\n\n\n\n<p>En g\u00e9n\u00e9ral, ce type d&rsquo;assurance ne rembourse pas le solde int\u00e9gral de votre pr\u00eat ou marge de cr\u00e9dit, mais il prendra en charge vos versements p\u00e9riodiques jusqu&rsquo;\u00e0 votre r\u00e9tablissement ou pendant une p\u00e9riode d\u00e9termin\u00e9e. Vous devrez recommencer \u00e0 effectuer vos versements d\u00e8s que vous serez r\u00e9tabli, que votre couverture prendra fin ou que le nombre maximum de versements aura \u00e9t\u00e9 effectu\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Voici plusieurs avantages de disposer d&rsquo;une assurance protection pr\u00eat :<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Votre \u00e9pargne est prot\u00e9g\u00e9e, puisque vous n&rsquo;aurez peut-\u00eatre pas \u00e0 l&rsquo;utiliser pour effectuer vos paiements sur pr\u00eat ou marge de cr\u00e9dit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour plus de commodit\u00e9, les primes sont en g\u00e9n\u00e9ral comprises dans vos versements sur pr\u00eat ou marge de cr\u00e9dit. Vous pouvez r\u00e9server vos autres types d&rsquo;assurance \u00e0 d&rsquo;autres fins, notamment pour soutenir votre famille et vos proches.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>La couverture est \u00e9tablie en fonction du solde impay\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Il n&rsquo;est pas n\u00e9cessaire de coordonner vos prestations avec d&rsquo;autres r\u00e9gimes d&rsquo;assurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vos prestations d&rsquo;assurance vie, maladies graves et invalidit\u00e9 ne sont pas imposables.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le processus d&rsquo;adh\u00e9sion est simple.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c0 qui s&rsquo;adresse l&rsquo;assurance protection pr\u00eat ?<\/h3>\n\n\n\n<p>Si votre pr\u00eat ou marge de cr\u00e9dit pr\u00e9sente un solde, l&rsquo;assurance protection pr\u00eat peut vous apporter une certaine s\u00e9curit\u00e9 financi\u00e8re en cas d&rsquo;invalidit\u00e9, de maladie ou de d\u00e9c\u00e8s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel est le co\u00fbt de l&rsquo;assurance protection pr\u00eat ?<\/h3>\n\n\n\n<p>Votre prime sera calcul\u00e9e en fonction du solde de votre pr\u00eat ou marge de cr\u00e9dit, de votre \u00e2ge, du type de couverture que vous choisissez et du nombre de personnes assur\u00e9es au titre de votre police (<a><\/a><a><\/a>deux personnes au plus, y compris vous-m\u00eame).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-qui-est-admissible-a-l-assurance\">Qui est admissible \u00e0 l&rsquo;assurance ?<\/h3>\n\n\n\n<p>Chaque banque ou \u00e9tablissement financier aura ses propres conditions d&rsquo;admissibilit\u00e9. Pour les clients RBC, les particuliers emprunteurs et coemprunteurs sont admissibles aux conditions suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour l&rsquo;assurance vie, l&#8217;emprunteur doit avoir moins de 70 ans.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour l&rsquo;assurance maladies graves, l&#8217;emprunteur doit avoir moins de 56 ans.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour l&rsquo;assurance invalidit\u00e9, l&#8217;emprunteur doit avoir travaill\u00e9 activement au moins 20 heures par semaine \u00e0 la date de la proposition et avoir moins de 70 ans.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><a><\/a>Ai-je besoin d&rsquo;une assurance protection pr\u00eat si je b\u00e9n\u00e9ficie d\u00e9j\u00e0 d&rsquo;une protection par l&rsquo;entremise de mon employeur ?<\/p>\n\n\n\n<p>Songez \u00e0 l&rsquo;assurance protection pr\u00eat comme un filet de s\u00e9curit\u00e9 financi\u00e8re suppl\u00e9mentaire. Si vous quittez votre emploi, vous installez \u00e0 votre compte ou d\u00e9cidez volontairement de vous retirer du march\u00e9 du travail, votre assurance protection pr\u00eat demeure en place. La protection offerte par le r\u00e9gime d&rsquo;avantages sociaux d&rsquo;un employeur pourrait ne pas suffire pour vous permettre de remplir vos obligations financi\u00e8res, y compris effectuer vos versements sur pr\u00eat ou marge de cr\u00e9dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment pr\u00e9senter une demande d&rsquo;assurance ?<\/h3>\n\n\n\n<p>Si vous d\u00e9tenez actuellement une Marge de Cr\u00e9dit Royale<sup>\u00ae<\/sup>&nbsp;ou un pr\u00eat personnel \u00e0 taux fixe ou variable RBC Banque Royale, pr\u00e9senter une d&rsquo;assurance&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/assurance-plan-protection-plus.html\">Plan Protection Plus\u00ae<\/a>&nbsp;est simple et peut se faire en ligne, par t\u00e9l\u00e9phone ou \u00e0 votre succursale.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>En ligne :<\/strong>&nbsp;Ouvrez une session dans votre compte RBC Banque en direct et cliquez sur votre pr\u00eat ou marge de cr\u00e9dit. Votre statut d&rsquo;assurance figurera sur la page suivante. Cliquez sur le lien indiquant votre statut. Vous acc\u00e9derez ainsi \u00e0 une nouvelle page, o\u00f9 vous pourrez suivre les \u00e9tapes pour&nbsp;<a href=\"https:\/\/www1.royalbank.com\/cgi-bin\/rbaccess\/rbcgi3m01?F6=1&amp;F7=IB&amp;F21=IB&amp;F22=IB&amp;REQUEST=ClientSignin&amp;LANGUAGE=FRENCH\">pr\u00e9senter une demande d&rsquo;assurance<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Par t\u00e9l\u00e9phone :<\/strong>&nbsp;Appelez le Centre de service RBC Assurances au 1 800 769-2523 pour adh\u00e9rer \u00e0 l&rsquo;assurance. Pour les clients de l&rsquo;Alberta et de la Saskatchewan, appelez RBC Banque Royale au 1 800 769-2511.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>\u00c0 votre succursale :<\/strong>&nbsp;Rendez-vous \u00e0 votre succursale et demandez \u00e0 parler \u00e0 un sp\u00e9cialiste du cr\u00e9dit qui pourra vous aider \u00e0 remplir votre proposition d&rsquo;assurance Plan Protection Plus\u00ae.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Appli mobile RBC :<\/strong>&nbsp;Ouvrez une session dans votre appli mobile RBC et pr\u00e9sentez une demande d&rsquo;assurance Plan Protection Plus\u00ae sur la page Donn\u00e9es sur compte.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Dur\u00e9e du processus d&rsquo;approbation de l&rsquo;assurance<\/h3>\n\n\n\n<p>Les d\u00e9lais d&rsquo;approbation peuvent varier. Le processus d\u00e9pend du montant total des pr\u00eats assur\u00e9s et de vos r\u00e9ponses aux questions du questionnaire m\u00e9dical, le cas \u00e9ch\u00e9ant.<\/p>\n\n\n\n<p>Les demandes d&rsquo;assurance pour des pr\u00eats totalisant 100 000 $ ou moins sont approuv\u00e9es d&rsquo;office, sans questionnaire m\u00e9dical.<\/p>\n\n\n\n<p>Les clients qui demandent une assurance pour des pr\u00eats de plus de 100 000 $ doivent remplir un questionnaire m\u00e9dical. S&rsquo;ils r\u00e9pondent par \u00ab oui \u00bb \u00e0 l&rsquo;une des questions, la Compagnie d&rsquo;Assurance du Canada sur la Vie (l&rsquo;assureur) exigera des renseignements m\u00e9dicaux suppl\u00e9mentaires pour \u00e9valuer la demande d&rsquo;assurance&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/assurance-plan-protection-plus.html\">Plan Protection Plus\u00ae<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Comment pr\u00e9senter une demande de r\u00e8glement ?<\/h3>\n\n\n\n<p>Communiquez avec le Centre des services d&rsquo;assurance en composant le 1 800 769-2523 pour amorcer le processus de r\u00e8glement. Vous pouvez \u00e9galement t\u00e9l\u00e9charger un formulaire de demande de r\u00e8glement \u00e0 la section FAQ du&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/assurance-plan-protection-plus.html\">site Web RBC<\/a>&nbsp;ou vous rendre \u00e0 votre succursale pour vous procurer le formulaire.<\/p>\n\n\n\n<p>Assurez-vous de continuer \u00e0 effectuer vos versements p\u00e9riodiques sur pr\u00eat ou sur marge de cr\u00e9dit jusqu&rsquo;\u00e0 l&rsquo;approbation de votre demande de r\u00e8glement.<\/p>\n\n\n\n<p>Pour tout compl\u00e9ment d&rsquo;information au sujet de l&rsquo;assurance Plan Protection Plus\u00ae, veuillez visiter notre&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/assurance-plan-protection-plus.html\">page Web<\/a>&nbsp;ou nous appeler au 1 800 769-2523.<\/p>\n\n\n\n<p>*L&rsquo;assurance Plan Protection Plus\u00ae est une assurance cr\u00e9dit collective facultative, \u00e9tablie par la Compagnie d&rsquo;Assurance du Canada sur la Vie (Canada Vie).<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=L&rsquo;assurance protection pr\u00eat : un moyen de prot\u00e9ger son \u00e9pargne &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/lassurance-protection-pret-un-moyen-de-proteger-son-epargne\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c3f6eace-3b4c-423b-91b8-6a802082f860\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/conseils-fiscaux-moyens-pour-le-contribuable-de-proteger-ses-donnees\/\" class=\"card-title h4 mar-t-0\">Conseils fiscaux : moyens pour le contribuable de prot\u00e9ger ses donn\u00e9es<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Trois coll\u00e8gues regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, 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class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Livret de poche sur une table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg 1080w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=1024,768 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/securite-numerique-et-escroqueries-comment-vous-proteger-en-ligne\/\" class=\"card-title h4 mar-t-0\">S\u00e9curit\u00e9 num\u00e9rique et escroqueries : comment vous prot\u00e9ger en ligne<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-c3f6eace-3b4c-423b-91b8-6a802082f860 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-c3f6eace-3b4c-423b-91b8-6a802082f860 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>L&rsquo;assurance protection pr\u00eat est un filet de s\u00e9curit\u00e9 financi\u00e8re de plus pour pallier les impr\u00e9vus. Nous r\u00e9pondons ici \u00e0 vos questions sur ce produit d&rsquo;assurance extr\u00eamement utile.<\/p>\n","protected":false},"author":80,"featured_media":25301,"parent":6559,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[130],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[270],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,95,46],"class_list":["post-25300","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-finances-personnelles","rbc_content_type-article","rbc_lob_group-financement-auto","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-comprendre-les-prets","rbc_mmm_category-credit-t-et-emprunt"],"acf":{"contently_publication_id":"375855","custom_author":"RBC ","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"L&#039;assurance protection pr\u00eat est un filet de s\u00e9curit\u00e9 financi\u00e8re de plus pour pallier les impr\u00e9vus. 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