{"id":6495,"date":"2024-05-12T06:17:39","date_gmt":"2024-05-12T11:17:39","guid":{"rendered":"https:\/\/lions.financial\/?p=6495"},"modified":"2024-10-15T05:36:10","modified_gmt":"2024-10-15T10:36:10","slug":"life-insurance-requirements-when-getting-an-sba-loan","status":"publish","type":"post","link":"https:\/\/lions.financial\/fr\/life-insurance-requirements-when-getting-an-sba-loan\/","title":{"rendered":"Exigences en mati\u00e8re d'assurance-vie pour l'obtention d'un pr\u00eat SBA"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><span style=\"font-size: 16px;\">En tant que propri\u00e9taire d'entreprise, vous \u00eates tenu de souscrire une assurance-vie dans le cadre d'un contrat de pr\u00eat. Cette police d'assurance-vie servira de cession en garantie et vous apportera la tranquillit\u00e9 d'esprit au cas o\u00f9 il vous arriverait quelque chose et que votre famille se retrouve sans moyens de rembourser le pr\u00eat. <\/span><span style=\"font-size: 16px;\">Lors de la demande d'un pr\u00eat SBA, l'une des exigences est que vous ayez une assurance-vie en place. La SBA exigera une preuve de <\/span><a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/lions.financial\/fr\/sba-loan-life-insurance\/\"><b>l'assurance-vie<\/b><\/a><span style=\"font-size: 16px;\"> avant qu'ils n'approuvent votre pr\u00eat.<\/span><\/p>\n<h2 style=\"font-size: 25px;\"><b>Quels sont les types d'assurance-vie requis pour un pr\u00eat SBA ?\u00a0<\/b><b><\/b><\/h2>\n<p><b>\u00a0<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b><i>Assurance vie temporaire<\/i><\/b> - C'est le type le plus courant et il est g\u00e9n\u00e9ralement moins cher que les autres types d'assurance vie utilis\u00e9s pour r\u00e9pondre aux exigences de la SBA. Cette police vous couvre pendant une p\u00e9riode d\u00e9termin\u00e9e, g\u00e9n\u00e9ralement de 10 \u00e0 30 ans.<\/li>\n<li aria-level=\"1\"><b><i>Assurance vie permanente<\/i><\/b> est une police qui vous couvre pendant toute votre vie. L'avantage de l'assurance vie enti\u00e8re est qu'elle peut \u00eatre utilis\u00e9e comme garantie pour votre pr\u00eat.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/lions.financial\/fr\/services\/commercial-real-estate-financing-service\/\"><br \/>\n<img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial.png\" sizes=\"(max-width: 1414px) 100vw, 1414px\" srcset=\"https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial.png 1414w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial-212x300.png 212w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial-724x1024.png 724w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial-768x1086.png 768w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial-1086x1536.png 1086w, https:\/\/lions.financial\/wp-content\/uploads\/2022\/09\/SBA-Loans-Lions-Financial-8x12.png 8w\" alt=\"SBA Loans - Lions Financial\" width=\"1414\" height=\"2000\" \/> <\/a><\/p>\n<p><b>Rappelez-vous : <\/b>Quel que soit le type d'assurance vie que vous utilisez pour r\u00e9pondre \u00e0 la <a href=\"https:\/\/www.sba.gov\/partners\/lenders\/7a-loan-program\/terms-conditions-eligibility\">Exigence de la SBA<\/a>Il est important de s'assurer que la police est en place avant de demander votre pr\u00eat. La SBA n'approuvera pas votre pr\u00eat tant qu'elle n'aura pas la preuve de l'assurance-vie.<\/p>\n<p>Si vous avez des questions sur l'exigence d'une assurance-vie pour un pr\u00eat SBA, veuillez nous contacter \u00e0 l'adresse suivante <a href=\"https:\/\/lions.financial\/fr\/contact\/\">https:\/\/lions.financial\/contact\/<\/a><\/p>\n<p>Nous pouvons vous aider \u00e0 trouver la police qui r\u00e9pond \u00e0 vos besoins.<\/p>\n<h2 style=\"font-size: 25px;\"><b>Ce que vous devez savoir :<\/b><\/h2>\n<p><b>\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Le montant de la couverture dont vous avez besoin d\u00e9pend du montant du pr\u00eat. Les pr\u00eateurs vous demanderont de souscrire une police dont le capital d\u00e9c\u00e8s est au moins \u00e9gal au solde du pr\u00eat.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Vous pouvez utiliser votre police d'assurance-vie personnelle comme garantie pour le pr\u00eat. C'est une bonne option si vous avez d\u00e9j\u00e0 une police en place, mais il est important de s'assurer que la couverture de la police est ad\u00e9quate pour le montant du pr\u00eat.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Si vous \u00eates tenu de souscrire une nouvelle police d'assurance-vie dans le cadre du contrat de pr\u00eat, veillez \u00e0 magasiner et \u00e0 comparer les tarifs de diff\u00e9rents assureurs. C'est aussi une bonne id\u00e9e de travailler avec un agent d'assurance qui peut vous aider \u00e0 trouver la bonne police pour vos besoins et votre budget.<\/li>\n<\/ul>\n<p>En comprenant ces points cl\u00e9s, vous pouvez \u00eatre s\u00fbr d'\u00eatre prot\u00e9g\u00e9 de mani\u00e8re ad\u00e9quate au cas o\u00f9 il vous arriverait quelque chose et que votre famille se retrouve sans moyens de rembourser votre pr\u00eat commercial.<\/p>\n<p>Enfin, il est important de noter qu'une police d'assurance-vie doit d\u00e9signer la SBA comme b\u00e9n\u00e9ficiaire. Cela garantit que le produit du pr\u00eat sera directement vers\u00e9 \u00e0 l'ASB en cas de d\u00e9c\u00e8s de l'emprunteur.<\/p>\n<p>Lorsqu'il s'agit de votre entreprise, vous voulez vous assurer que tout est s\u00e9curis\u00e9, couvert et prot\u00e9g\u00e9. Un pr\u00eat de la SBA est un excellent moyen d'obtenir le financement dont vous avez besoin, mais il n'est pas sans risque.  Trouvez une police qui r\u00e9ponde \u00e0 toutes les exigences et qui vous permette d'avoir l'esprit tranquille en sachant que votre pr\u00eat commercial SBA sera rembours\u00e9 en cas de d\u00e9c\u00e8s.<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>&nbsp; As a business owner, you are required to purchase life insurance as part of a loan agreement. This life insurance policy will serve as [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":11736,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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