{"id":40166,"date":"2018-10-17T19:06:46","date_gmt":"2018-10-17T18:06:46","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=40166"},"modified":"2025-07-01T17:04:18","modified_gmt":"2025-07-01T15:04:18","slug":"resiliation","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-deces\/resiliation","title":{"rendered":"Peut-on r\u00e9cup\u00e9rer l&rsquo;argent d&rsquo;une assurance d\u00e9c\u00e8s ? Comment r\u00e9silier ?"},"content":{"rendered":"\n<p>L\u2019<a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\">assurance d\u00e9c\u00e8s<\/a> fait partie des contrats de pr\u00e9voyance accessibles aux particuliers souhaitant s\u00e9curiser leur avenir. Le contrat prend ainsi fin en cas de d\u00e9c\u00e8s du souscripteur. Mais est-ce possible de r\u00e9silier son assurance d\u00e9c\u00e8s \u00e0 tout moment ? Quand et comment r\u00e9silier son assurance d\u00e9c\u00e8s ? Existe-t-il un mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance d\u00e9c\u00e8s \u00e0 utiliser ? R\u00e9ponses et conseils de nos experts !<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Les points clefs :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une assurance d\u00e9c\u00e8s peut se r\u00e9silier par lettre recommand\u00e9e ou via une d\u00e9marche en ligne.<\/li>\n\n\n\n<li>La r\u00e9siliation d&rsquo;assurance d\u00e9c\u00e8s s&rsquo;effectue avec une <strong>perte du capital. <\/strong><\/li>\n\n\n\n<li>Seulement <strong>certains contrats d&rsquo;assurance d\u00e9c\u00e8s vie enti\u00e8re<\/strong> (et non les contrats dits temporaires) permettent <strong>le rachat partiel ou total du capital vers\u00e9.<\/strong><\/li>\n\n\n\n<li>La r\u00e9siliation doit intervenir \u00e0 la date d&rsquo;\u00e9ch\u00e9ance annuelle du contrat, avec un pr\u00e9avis souvent de 1 ou 2 mois.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-rm-button-orange\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\">Comparer les assurances d\u00e9c\u00e8s<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quelle diff\u00e9rence entre la r\u00e9siliation d&rsquo;assurance d\u00e9c\u00e8s et le rachat ?<\/h2>\n\n\n\n<p>Il ne faut pas confondre la r\u00e9siliation d&rsquo;assurance d\u00e9c\u00e8s et le rachat.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Le rachat d&rsquo;assurance d\u00e9c\u00e8s<\/strong> consiste \u00e0 demander le versement anticip\u00e9 du capital garanti avant son d\u00e9c\u00e8s. C&rsquo;est possible seulement si le contrat le pr\u00e9voit, notamment pour un contrat d&rsquo;assurance d\u00e9c\u00e8s vie enti\u00e8re, en rachat partiel ou total.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>La r\u00e9siliation d&rsquo;assurance d\u00e9c\u00e8s<\/strong> arr\u00eate le contrat, sans pouvoir r\u00e9cup\u00e9rer l&rsquo;argent vers\u00e9.<\/p>\n\n\n\n<p>Voici le d\u00e9tail des cons\u00e9quences financi\u00e8res et les modalit\u00e9s des deux situations :<\/p>\n\n\n\n<figure class=\"wp-block-table  table-header-follow-scroll\"><table><thead><tr><th>R\u00e9siliation d&rsquo;assurance d\u00e9c\u00e8s<\/th><th>Rachat d&rsquo;assurance d\u00e9c\u00e8s<\/th><\/tr><\/thead><tbody><tr><td>Pas de possibilit\u00e9 de r\u00e9cup\u00e9rer les cotisations d\u00e9j\u00e0 vers\u00e9es<\/td><td>Possibilit\u00e9 de r\u00e9cup\u00e9rer tout ou une partie du capital garanti avant le d\u00e9c\u00e8s, <strong>si le contrat le pr\u00e9voit<\/strong><\/td><\/tr><tr><td>Les b\u00e9n\u00e9ficiaires ne touchent rien au d\u00e9c\u00e8s de l&rsquo;assur\u00e9<\/td><td>Les b\u00e9n\u00e9ficiaires ne touchent rien ou partiellement pour un rachat partiel<\/td><\/tr><tr><td>R\u00e9siliation possible \u00e0 l&rsquo;\u00e9ch\u00e9ance annuelle ou 30 jours apr\u00e8s souscription<\/td><td>Pour les contrats \u00ab\u00a0vie enti\u00e8re\u00a0\u00bb et non les contrats \u00ab\u00a0temporaires\u00a0\u00bb<\/td><\/tr><tr><td>Par courrier recommand\u00e9<\/td><td>Demande administrative avec justificatifs et parfois des frais de rachat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment r\u00e9silier son assurance d\u00e9c\u00e8s ?<\/strong><\/h2>\n\n\n\n<p>Pour r\u00e9silier votre assurance d\u00e9c\u00e8s, il faut envoyer une lettre recommand\u00e9e, avec accus\u00e9 de r\u00e9ception, dans les d\u00e9lais pr\u00e9vus par le contrat d\u2019assurance.\u00a0<\/p>\n\n\n\n<p>Il existe 2 types d\u2019assurance d\u00e9c\u00e8s :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\/assurance-temporaire-deces\">L\u2019assurance d\u00e9c\u00e8s temporaire<\/a> : <\/strong>elle dispose d\u2019une date de fin, par exemple le 75e anniversaire du souscripteur. Si le risque assur\u00e9 ne survient pas avant cette \u00e9ch\u00e9ance, l\u2019assureur conserve les primes vers\u00e9es sans les reverser aux b\u00e9n\u00e9ficiaires ou au souscripteur et on parle alors de cotisations \u00e0 fonds perdus.<\/li>\n\n\n\n<li><strong>L\u2019assurance d\u00e9c\u00e8s vie enti\u00e8re<\/strong> : dans ce cas, le contrat ne dispose pas de date d\u2019\u00e9ch\u00e9ance et l\u2019assureur reverse le <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\/capital-deces\">capital d\u00e9c\u00e8s<\/a> aux b\u00e9n\u00e9ficiaires du souscripteur lorsque celui-ci d\u00e9c\u00e8de, quel qu\u2019en soit le moment. Il n\u2019y a alors pas de notion de cotisations \u00e0 fonds perdus puisque celles-ci sont syst\u00e9matiquement r\u00e9cup\u00e9r\u00e9es par les b\u00e9n\u00e9ficiaires.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udcc5 Si aucun motif n\u2019est n\u00e9cessaire pour r\u00e9silier, il est en revanche n\u00e9cessaire de respecter les \u00e9ch\u00e9ances du contrat. \u00c0 contrario, votre contrat fera l\u2019objet d\u2019une tacite reconduction pour une nouvelle ann\u00e9e.\u00a0\u00a0<\/p>\n\n\n\n<p>\ud83d\udca1Si une assurance d\u00e9c\u00e8s implique des modalit\u00e9s de r\u00e9siliation particuli\u00e8res,<strong> <\/strong>la proc\u00e9dure en elle-m\u00eame reste similaire \u00e0 celle des autres assurances plus classiques (notamment les contrats obligatoires, comme l\u2019assurance auto ou habitation).<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-check without-background\"><i class=\"icon\"><\/i><p>Les assureurs qui proposent la souscription d\u2019un contrat d\u2019assurance en ligne ou via une application mobile ont l\u2019obligation de proposer un acc\u00e8s direct \u00e0 la demande de r\u00e9siliation (<a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000046194186\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Article L113-14 \u2013 Code des assurances<\/em><\/a>). C\u2019est \u00ab la r\u00e9siliation en 3 clics \u00bb. Elle simplifie la proc\u00e9dure de r\u00e9siliation d\u2019assurance et favorise les changements de contrat.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mod\u00e8le de lettre de r\u00e9siliation d&rsquo;assurance d\u00e9c\u00e8s \u00e0 t\u00e9l\u00e9charger<\/strong><\/h2>\n\n\n\n<p>Voici notre mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance d\u00e9c\u00e8s <strong>disponible gratuitement au t\u00e9l\u00e9chargement !\u00a0<\/strong><\/p>\n\n\n\n<p>Il vous suffit de le :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-cons\">\n<li>Compl\u00e9ter avec vos informations personnelles et celles relatives \u00e0 votre contrat d\u2019assurance d\u00e9c\u00e8s<\/li>\n\n\n\n<li>De l\u2019envoyer dans les meilleurs d\u00e9lais \u00e0 votre assureur, par lettre recommand\u00e9e avec avis de r\u00e9ception<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2018\/09\/lettre-de-resiliation-assurance-deces.docx\">T\u00e9l\u00e9charger la lettre type de r\u00e9siliation de l&rsquo;assurance d\u00e9c\u00e8s :<\/a><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2018\/09\/lettre-de-resiliation-assurance-deces.docx\"><img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2019\/09\/telecharger-lettre.jpg\" alt=\"telecharger lettre\" class=\"wp-image-73864\" style=\"width:128px;height:128px\"\/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi r\u00e9silier son assurance d\u00e9c\u00e8s ?<\/strong><\/h2>\n\n\n\n<p>Il existe diff\u00e9rentes raisons de vouloir r\u00e9silier son assurance d\u00e9c\u00e8s :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-cons-2\">\n<li>L&rsquo;arriv\u00e9e de<strong> difficult\u00e9s financi\u00e8res<\/strong> (poids des cotisations d\u2019assurance d\u00e9c\u00e8s dans le budget ou volont\u00e9 de racheter le capital de son assurance d\u00e9c\u00e8s).<\/li>\n\n\n\n<li>Le <strong>changement de situation<\/strong> (divorce, changement de profession, avec \u00e9ventuellement un changement des risques du quotidien).<\/li>\n\n\n\n<li>La <strong>modifications des revenus<\/strong> et la diminution du besoin de garanties (\u00e9pargne suffisante, enfants autonomes&#8230;)<\/li>\n\n\n\n<li>Le <strong>d\u00e9part \u00e0 la retraite<\/strong>.<\/li>\n\n\n\n<li>Le choix d&rsquo;un <strong>meilleur contrat d\u2019assurance d\u00e9c\u00e8s<\/strong> pour le prix et les garanties.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-glass without-background\"><i class=\"icon\"><\/i><p>Il convient d\u2019\u00e9tudier vos besoins et ceux de vos b\u00e9n\u00e9ficiaires \u00e0 la souscription de votre contrat d\u2019assurance d\u00e9c\u00e8s. En les anticipant, vous pourrez ainsi \u00e9viter de devoir r\u00e9silier votre contrat.\u00a0<\/p><\/div>\n\n\n\n<p>Pour trouver la meilleure assurance d\u00e9c\u00e8s du march\u00e9, n\u2019h\u00e9sitez pas \u00e0 utiliser notre comparateur en ligne <strong>100 % gratuit<\/strong> ! En quelques clics, vous aurez ainsi acc\u00e8s \u00e0 des devis adapt\u00e9s au capital \u00e0 garantir selon votre budget.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-rm-button-orange\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\">Comparer les assurances d\u00e9c\u00e8s<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quand r\u00e9silier mon assurance d\u00e9c\u00e8s ?<\/strong><\/h3>\n\n\n\n<p>Suivant les compagnies d\u2019assurance, le<strong> pr\u00e9avis de r\u00e9siliation <\/strong>d\u2019une assurance d\u00e9c\u00e8s peut \u00eatre de <strong>1 \u00e0 2 mois avant la date d\u2019\u00e9ch\u00e9ance annuelle du contrat<\/strong>.<\/p>\n\n\n\n<p>D\u00e8s lors, le courrier recommand\u00e9 avec accus\u00e9 de r\u00e9ception doit \u00eatre envoy\u00e9 dans ce d\u00e9lai de pr\u00e9avis \u00e0 l\u2019assureur. La r\u00e9siliation s&rsquo;effectue aussi en ligne si l&rsquo;assureur la propose.<\/p>\n\n\n\n<p>Le cas \u00e9ch\u00e9ant, l\u2019assurance d\u00e9c\u00e8s fait l\u2019objet d\u2019une reconduction tacite. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quel d\u00e9lai de r\u00e9tractation pour une assurance d\u00e9c\u00e8s ?<\/strong><\/h3>\n\n\n\n<p>\ud83d\udcc5 Le d\u00e9lai de r\u00e9tractation (ou d\u00e9lai de renonciation) de l\u2019assurance d\u00e9c\u00e8s est fix\u00e9 \u00e0 <strong>30 jours, <\/strong>\u00e0 compter de la signature du contrat.\u00a0\u00a0<\/p>\n\n\n\n<p>\ud83d\udc49 L\u2019assureur effectue alors un remboursement au prorata du nombre de jours assur\u00e9s pour les sommes d\u00e9j\u00e0 per\u00e7ues.<\/p>\n\n\n\n<p>\ud83d\udc49 Ce remboursement doit intervenir au plus tard dans les 30 jours suivant la renonciation du souscripteur. \u00c0 d\u00e9faut, des int\u00e9r\u00eats l\u00e9gaux s&rsquo;appliquent. Ces derniers sont assimilables \u00e0 des p\u00e9nalit\u00e9s financi\u00e8res dues par l\u2019assureur pour retard d\u2019indemnisation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>R\u00e9silier son assurance d\u00e9c\u00e8s : que deviennent les primes d\u00e9j\u00e0 vers\u00e9es ?<\/strong><\/h2>\n\n\n\n<p>La r\u00e9siliation d\u2019une assurance d\u00e9c\u00e8s emp\u00eache le souscripteur de r\u00e9cup\u00e9rer le capital d\u00e9j\u00e0 vers\u00e9. <\/p>\n\n\n\n<p>On parle de <strong>cotisations \u00e0 fonds perdus<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-glass without-background\"><i class=\"icon\"><\/i><p>L&rsquo;assureur reverse le capital \u00e9conomis\u00e9 qu\u2019en cas de : <br\/>&#8211; <strong>D\u00e9c\u00e8s <\/strong>du souscripteur<br\/>&#8211; <strong>Invalidit\u00e9<\/strong> dans le cadre d&rsquo;une assurance d\u00e9c\u00e8s-invalidit\u00e9<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quel d\u00e9lai pour toucher une assurance vie apr\u00e8s un d\u00e9c\u00e8s ?<\/strong><\/h2>\n\n\n\n<p>En cas de d\u00e9c\u00e8s, le d\u00e9lai l\u00e9gal pour toucher l&rsquo;argent d&rsquo;une assurance vie est d&rsquo;<strong>un mois<\/strong>. <\/p>\n\n\n\n<p>Dans les 15 jours suivant la notification du d\u00e9c\u00e8s, l&rsquo;assureur doit demander les justificatifs pour prouver le droit au capital (pi\u00e8ces d&rsquo;identit\u00e9, num\u00e9ro de contrat&#8230;).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mon assureur peut-il r\u00e9silier lui-m\u00eame mon contrat d\u2019assurance d\u00e9c\u00e8s ?<\/strong><\/h3>\n\n\n\n<p>Oui, votre <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\/assureurs\">assureur d\u2019assurance d\u00e9c\u00e8s<\/a> peut tout \u00e0 fait prendre la libert\u00e9 de r\u00e9silier votre contrat d\u2019assurance d\u00e9c\u00e8s.\u00a0<\/p>\n\n\n\n<p>Pour cela, il doit invoquer une raison valable. En voici quelques exemples :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-header-double\"><table><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9siliation possible ou non<\/th><th class=\"has-text-align-center\" data-align=\"center\">Cons\u00e9quences<\/th><\/tr><\/thead><tbody><tr><td><strong>Fausse d\u00e9claration (oubli, omission ou mensonge volontaire)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><i\n    class=\"safe-shortcode-icon\n                    yes\n            \"\n                                    title=oui\n            >\n<\/i><\/td><td class=\"has-text-align-center\" data-align=\"center\">Annulation de toutes les garanties sans remboursement<\/td><\/tr><tr><td><strong>D\u00e9faut de paiement<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><i\n    class=\"safe-shortcode-icon\n                    yes\n            \"\n                                    title=oui\n            >\n<\/i><\/td><td class=\"has-text-align-center\" data-align=\"center\">Rappel, mise en demeure, puis r\u00e9siliation<\/td><\/tr><tr><td><strong>Changement de situation<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><i\n    class=\"safe-shortcode-icon\n                    no\n            \"\n                                    title=non\n            >\n<\/i><\/td><td class=\"has-text-align-center\" data-align=\"center\">L&rsquo;assurance d\u00e9c\u00e8s couvre justement le changement de situation (la maladie notamment)<\/td><\/tr><tr><td><strong>\u00c0 l&rsquo;\u00e9ch\u00e9ance du contrat<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><i\n    class=\"safe-shortcode-icon\n                    no\n            \"\n                                    title=non\n            >\n<\/i><\/td><td class=\"has-text-align-center\" data-align=\"center\">L&rsquo;assureur ne peut r\u00e9silier un contrat dont les cotisations sont vers\u00e9es \u00e0 fonds perdus sans les rembourser<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Assurance d\u00e9c\u00e8s\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            les meilleures offres 2026\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-deces\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparateur \n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                assurances d\u00e9c\u00e8s\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ de la r\u00e9siliation de l&rsquo;assurance d\u00e9c\u00e8s<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1695131696663\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Comment faire pour r\u00e9silier mon assurance d\u00e9c\u00e8s ?<\/h3> <p class=\"schema-faq-answer\">Pour r\u00e9silier votre assurance d\u00e9c\u00e8s, il vous faudra envoyer une lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception dans les d\u00e9lais pr\u00e9vus dans votre contrat d\u2019assurance.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1695131704114\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Est-il possible de r\u00e9silier son assurance d\u00e9c\u00e8s suite \u00e0 un changement de situation personnelle ?<\/h3> <p class=\"schema-faq-answer\">Non ! L\u2019assurance d\u00e9c\u00e8s n\u2019est pas concern\u00e9e par la r\u00e9siliation due \u00e0 un changement de situation.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1695131711698\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>\u00c0 quel moment puis-je r\u00e9silier mon assurance d\u00e9c\u00e8s ?<\/h3> <p class=\"schema-faq-answer\">Suivant les compagnies d\u2019assurance, le pr\u00e9avis de r\u00e9siliation d\u2019une assurance d\u00e9c\u00e8s peut \u00eatre de 1 \u00e0 2 mois avant la date d\u2019\u00e9ch\u00e9ance annuelle du contrat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1695131725890\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Quel d\u00e9lai de r\u00e9tractation pour une assurance d\u00e9c\u00e8s ?<\/h3> <p class=\"schema-faq-answer\">Le d\u00e9lai de r\u00e9tractation (ou d\u00e9lai de renonciation) de l\u2019assurance d\u00e9c\u00e8s est fix\u00e9 \u00e0 30 jours, \u00e0 compter de la signature du contrat.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1695131737176\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Est-ce que je peux r\u00e9cup\u00e9rer les primes de mon assurance d\u00e9c\u00e8s en cas de r\u00e9siliation ?<\/h3> <p class=\"schema-faq-answer\">Non ! La r\u00e9siliation d\u2019une assurance d\u00e9c\u00e8s emp\u00eache le souscripteur de r\u00e9cup\u00e9rer le capital d\u00e9j\u00e0 vers\u00e9 (cotisations \u00e0 fonds perdus).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1751376206213\"><h3 class=\"schema-faq-question my-0 font-semibold\">La r\u00e9siliation supprime d\u00e9finitivement mon contrat d&rsquo;assurance d\u00e9c\u00e8s ?<\/h3> <p class=\"schema-faq-answer\">Oui, une fois la r\u00e9siliation effective, le contrat prend fin et n&rsquo;existe plus, sauf pour certains contrats d&rsquo;assurance vie enti\u00e8re, avec des conditions de rachat partiel.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance d\u00e9c\u00e8s fait partie des contrats de pr\u00e9voyance accessibles aux particuliers souhaitant s\u00e9curiser leur avenir. Le contrat prend ainsi fin en cas de d\u00e9c\u00e8s du souscripteur. Mais est-ce possible de r\u00e9silier son assurance d\u00e9c\u00e8s \u00e0 tout moment ? Quand et comment r\u00e9silier son assurance d\u00e9c\u00e8s ? Existe-t-il un mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance d\u00e9c\u00e8s\u2026<\/p>\n","protected":false},"author":80,"featured_media":0,"parent":19016,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[586],"class_list":["post-40166","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment r\u00e9silier l&#039;assurance d\u00e9c\u00e8s ? Mod\u00e8le de lettre \u00e0 t\u00e9l\u00e9charger<\/title>\n<meta name=\"description\" content=\"Une assurance d\u00e9c\u00e8s doit \u00eatre r\u00e9sili\u00e9e par lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception. 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