{"id":6482,"date":"2022-09-16T08:08:11","date_gmt":"2022-09-16T13:08:11","guid":{"rendered":"https:\/\/lions.financial\/?p=6482"},"modified":"2024-03-12T09:30:20","modified_gmt":"2024-03-12T14:30:20","slug":"process-for-a-business-to-file-a-life-insurance-claim-2","status":"publish","type":"post","link":"https:\/\/lions.financial\/fr\/process-for-a-business-to-file-a-life-insurance-claim-2\/","title":{"rendered":"Proc\u00e9dure \u00e0 suivre par une entreprise pour d\u00e9poser une demande d'indemnisation au titre de l'assurance-vie"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6482\" class=\"elementor elementor-6482\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-355b72a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"355b72a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-576b9564\" data-id=\"576b9564\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2636c7c9 elementor-widget elementor-widget-text-editor\" data-id=\"2636c7c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>1. Contactez l'agent ou la compagnie d'assurance<\/strong><\/p><ul><li><span style=\"font-weight: 400;\">Vous pouvez soit demander directement \u00e0 l'agence, soit contacter la compagnie d'assurance.<\/span><\/li><li><span style=\"font-weight: 400;\">Ils fourniront des d\u00e9tails sur la mani\u00e8re de pr\u00e9senter une demande d'indemnisation au titre de l'assurance vie.<\/span><\/li><\/ul><p><strong>2. Obtenez des copies du certificat de d\u00e9c\u00e8s<\/strong><\/p><ul><li><span style=\"font-weight: 400;\">Vous pouvez obtenir des copies certifi\u00e9es du certificat de d\u00e9c\u00e8s aupr\u00e8s de l'entreprise de pompes fun\u00e8bres.<\/span><\/li><li><span style=\"font-weight: 400;\">Obtenez au moins 10 copies pour d\u00e9sactiver des services et fermer des comptes.<\/span><\/li><\/ul><p><strong>3. Remplissez les documents et envoyez-les.<\/strong><\/p><ul><li><span style=\"font-weight: 400;\">Vous trouverez le formulaire requis sur le site web de la compagnie d'assurance ou en contactant l'agence.<\/span><\/li><li><span style=\"font-weight: 400;\">Il se peut que l'on vous demande d'envoyer les documents et une copie du certificat de d\u00e9c\u00e8s par la poste.<\/span><\/li><\/ul><p><strong>4. Indiquez comment vous souhaitez \u00eatre pay\u00e9<\/strong><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><strong>Il existe plusieurs options pour recevoir le paiement :<\/strong><\/li><\/ul><ol><li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">Somme forfaitaire : vous recevez l'argent en une seule fois.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">Provision pour revenu sp\u00e9cifique : vous recevez le principe selon un calendrier fixe sur une p\u00e9riode donn\u00e9e, vous recevrez \u00e9galement des int\u00e9r\u00eats sur le montant, mais vous devrez \u00e9galement payer des imp\u00f4ts sur les int\u00e9r\u00eats.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">Option de revenu viager : vous recevez un revenu garanti \u00e0 vie.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">Option de revenu d'int\u00e9r\u00eats : vous ne recevez que les int\u00e9r\u00eats sur le capital, et la police d'assurance-vie reste active et revient \u00e0 un b\u00e9n\u00e9ficiaire secondaire \u00e0 votre d\u00e9c\u00e8s.<\/span><\/li><\/ol><ul><li><strong>Assurez-vous de discuter de vos pr\u00e9f\u00e9rences en mati\u00e8re de paiement avec la compagnie d'assurance.<\/strong><\/li><\/ul><p><strong>\u00a0 \u00a0 \u00a0 \u00a0 5. Attendez que l'argent soit livr\u00e9<\/strong><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Cela peut prendre entre une ou deux semaines et 30 jours, selon l'entreprise.<\/span><\/li><\/ul><h2 style=\"font-size: 25px;\"><b>Pourquoi vous avez \u00e9t\u00e9 refus\u00e9 :<\/b><\/h2><div><b>\u00a0<\/b><\/div><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La personne a cess\u00e9 de payer la prime<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La personne a menti sur la demande<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La cause du d\u00e9c\u00e8s ne relevait pas de la couverture d'assurance.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e582be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e582be\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7798278\" data-id=\"7798278\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-443129f elementor-widget elementor-widget-text-editor\" data-id=\"443129f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"font-size: 25px;\"><b>Que faire si votre demande d'assurance-vie a \u00e9t\u00e9 refus\u00e9e ?<\/b><\/h2><div><b>\u00a0<\/b><\/div><ol><li aria-level=\"1\">Contactez votre compagnie ou agence d'assurance vie pour conna\u00eetre les raisons pr\u00e9cises du refus et r\u00e9pondez aux questions si elles sont incorrectes.<\/li><li aria-level=\"1\">Vous devez contacter le d\u00e9partement des assurances de votre \u00c9tat pour acc\u00e9l\u00e9rer la proc\u00e9dure.<\/li><li aria-level=\"1\">Contactez un avocat si votre demande est valable et que la compagnie d'assurance refuse toujours de payer.<\/li><\/ol><p>Compte tenu du processus d\u00e9crit, le d\u00e9p\u00f4t d'une demande de r\u00e8glement d'assurance-vie au nom de l'entreprise peut \u00eatre aussi simple qu'avec l'aide d'un conseiller.<\/p><p><span style=\"font-weight: 400;\">Avez-vous d'autres questions ?<\/span><\/p><p><span style=\"font-weight: 400;\">Obtenez de l'aide chaque fois que n\u00e9cessaire. Fixez un rendez-vous avec l'un de nos conseillers <\/span><a href=\"https:\/\/lions.financial\/fr\/contact\/\"><span style=\"font-weight: 400;\">https:\/\/lions.financial\/contact<\/span><\/a><\/p><p><span style=\"font-weight: 400;\">Pour en savoir plus, visitez le site :<\/span><\/p><p><a href=\"https:\/\/lions.financial\/fr\/sba-loan-life-insurance\/\"><b>Exigences en mati\u00e8re d'assurance-vie pour les pr\u00eats SBA<\/b><\/a> <span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0e2c68c\" data-id=\"0e2c68c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef3fc4a elementor-widget elementor-widget-image\" data-id=\"ef3fc4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim-576x1024.jpg\" class=\"attachment-large size-large wp-image-6484\" alt=\"Life Insurance Claim\" srcset=\"https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim-576x1024.jpg 576w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim-169x300.jpg 169w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim-768x1365.jpg 768w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim-864x1536.jpg 864w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim-7x12.jpg 7w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/Life-Insurance-Claim.jpg 1080w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>1. Contact the insurance agent or company You can either ask the agency directly or contact the insurance company They will provide details on how 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