{"id":5927,"date":"2025-09-25T14:42:35","date_gmt":"2025-09-25T14:42:35","guid":{"rendered":"https:\/\/april-belgium.be\/?page_id=5927"},"modified":"2026-01-29T08:02:07","modified_gmt":"2026-01-29T08:02:07","slug":"donation","status":"publish","type":"page","link":"https:\/\/april-belgium.be\/fr\/nos-solutions\/planifier-ma-succession\/donation\/","title":{"rendered":"Assurance donation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5927\" class=\"elementor elementor-5927\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2696f e-con-full e-flex e-con e-parent\" data-id=\"1b2696f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-23a1b73 e-flex e-con-boxed e-con e-child\" data-id=\"23a1b73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5385f8b e-con-full e-flex e-con e-child\" data-id=\"5385f8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81beb0e elementor-widget elementor-widget-image\" data-id=\"81beb0e\" 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=\"1170\" height=\"826\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Banner.webp\" class=\"attachment-large size-large wp-image-6083\" alt=\"Prot\u00e9gez votre donation des frais de succession\u200b\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Banner.webp 1530w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Banner-400x282.webp 400w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Banner-768x542.webp 768w\" sizes=\"(max-width: 1170px) 100vw, 1170px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-e13eefc e-con-full e-flex e-con e-child\" data-id=\"e13eefc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d70bd61 elementor-widget elementor-widget-heading\" data-id=\"d70bd61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Prot\u00e9gez votre donation des frais de succession<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b58914c elementor-widget elementor-widget-text-editor\" data-id=\"b58914c\" 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><span style=\"color: #ffffff; font-size: 18px; line-height: 1.35;\">Une assurance pour prot\u00e9ger votre donation, diminuer la base imposable des droits de succession.\n<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-616fe4c e-con-full e-flex e-con e-parent\" data-id=\"616fe4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_offset&quot;:96,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc0e726 elementor-widget elementor-widget-template\" data-id=\"fc0e726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5699\" class=\"elementor elementor-5699\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab1256f e-flex e-con-boxed e-con e-parent\" data-id=\"ab1256f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-be2367e e-con-full e-flex e-con e-child\" data-id=\"be2367e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"\/trouver-un-intermediaires-d-assurances\/\" target=\"_blank\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03892e2 elementor-widget elementor-widget-html\" data-id=\"03892e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<center><span class=\"fw-700 col2\" style=\"text-transform: uppercase;font-size: 12px; letter-spacing:0,5px;text-align:center;color: #3eaac4 !important\">Trouvez Un courtier pr\u00e8s de chez vous <span class=\"p10 fa fa-chevron-right\"><\/span><\/span><\/center>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-726c5f9 e-con-full e-flex e-con e-child\" data-id=\"726c5f9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"\/fr\/simulateur\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cf2489 elementor-widget elementor-widget-html\" data-id=\"3cf2489\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<center><span class=\"fw-700 col2\" style=\"text-transform: uppercase;font-size: 12px; letter-spacing:0,5px;text-align:center;color: #3eaac4 !important\">Calculez votre prime <span class=\"p10 fa fa-chevron-right\"><\/span><\/span><\/center>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6e4361 e-flex e-con-boxed e-con e-parent\" data-id=\"f6e4361\" data-element_type=\"container\" data-e-type=\"container\" id=\"lp2-tabs\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80ea784 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"80ea784\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"135178116\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"overview\" data-tab-title-id=\"e-n-tab-title-1351781161\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1351781161\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tEn bref\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"benefits\" data-tab-title-id=\"e-n-tab-title-1351781162\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1351781162\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tMes avantages\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"faq\" data-tab-title-id=\"e-n-tab-title-1351781163\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1351781163\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tDes questions ?\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1351781161\" role=\"tabpanel\" aria-labelledby=\"overview\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-07ea4f4 e-con-full e-flex e-con e-child\" data-id=\"07ea4f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c6f3e9d e-flex e-con-boxed e-con e-child\" data-id=\"c6f3e9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8097ada e-con-full e-flex e-con e-child\" data-id=\"8097ada\" data-element_type=\"container\" data-e-type=\"container\" id=\"quoi\">\n\t\t<div class=\"elementor-element elementor-element-801b403 e-con-full e-flex e-con e-child\" data-id=\"801b403\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0e9032 elementor-widget elementor-widget-heading\" data-id=\"c0e9032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Neutralisez le risque de frais de succession<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5d6520 elementor-widget elementor-widget-text-editor\" data-id=\"c5d6520\" 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><span style=\"font-weight: 400;\">Vous voulez recourir \u00e0 une donation pour r\u00e9duire le patrimoine \u00e0 transmettre \u00e0 vos proches, et donc les frais de succession ? Attention \u00e0 la mauvaise surprise. Si vous veniez \u00e0 d\u00e9c\u00e9der pendant la p\u00e9riode dite suspecte, end\u00e9ans les 3 \u00e0 5 ans, alors la <strong>donation sera malgr\u00e9 tout soumise \u00e0 des droits.<\/strong> Imaginez la double peine pour vos h\u00e9ritiers, dans l\u2019obligation de :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">faire face rapidement aux \u00e9ch\u00e9ances\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">lib\u00e9rer de l\u2019argent en quantit\u00e9\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vendre des actifs qui vous sont chers\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">rogner sur leurs d\u00e9penses quotidiennes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">renoncer aux beaux projets qu\u2019ils avaient<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">se mettre en difficult\u00e9s financi\u00e8res<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cfe807 elementor-widget elementor-widget-heading\" data-id=\"1cfe807\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Une solution pour prot\u00e9ger sa donation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c6e16 elementor-widget elementor-widget-text-editor\" data-id=\"42c6e16\" 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><span style=\"font-weight: 400;\">La solution, elle existe : l&rsquo;<strong>assurance donation<\/strong> d&rsquo;APRIL. <\/span><span style=\"font-weight: 400;\">En cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9, les frais de succession sont couverts pour vos proches. En souscrivant une assurance en leur nom, avec un montage dit ABA, ils n\u2019auront rien \u00e0 payer.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94f2b83 elementor-widget elementor-widget-button\" data-id=\"94f2b83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#qui\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ma solution sur-mesure<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76184a5 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"76184a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d1a3d2 elementor-widget elementor-widget-image\" data-id=\"5d1a3d2\" 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 decoding=\"async\" width=\"1080\" height=\"1440\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-R.webp\" class=\"attachment-large size-large wp-image-6087\" alt=\"Neutralisez le risque de frais de succession\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-R.webp 1080w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-R-300x400.webp 300w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-R-768x1024.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d33edd0 e-con-full e-flex e-con e-child\" data-id=\"d33edd0\" data-element_type=\"container\" data-e-type=\"container\" id=\"qui\">\n\t\t<div class=\"elementor-element elementor-element-3335be1 e-con-full e-flex e-con e-child\" data-id=\"3335be1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6241b4 elementor-widget elementor-widget-image\" data-id=\"d6241b4\" 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 decoding=\"async\" width=\"1080\" height=\"1440\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-L.webp\" class=\"attachment-large size-large wp-image-6085\" alt=\"Planifiez votre succession, en toute tranquillit\u00e9\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-L.webp 1080w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-L-300x400.webp 300w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-Donation-Vert-L-768x1024.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-55dad7b e-con-full e-flex e-con e-child\" data-id=\"55dad7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1552a28 elementor-widget elementor-widget-heading\" data-id=\"1552a28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planifiez votre succession, en toute tranquillit\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f81d0f elementor-widget elementor-widget-text-editor\" data-id=\"0f81d0f\" 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>Compliqu\u00e9es, les assurances ? D\u00e9trompez-vous. Nos solutions sont <strong>souples<\/strong>, <strong>accessibles<\/strong>, adapt\u00e9es \u00e0 tous les patrimoines.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb223c elementor-widget elementor-widget-heading\" data-id=\"bdb223c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Votre transmission, une question d\u2019optimisation\n\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea38e27 elementor-widget elementor-widget-text-editor\" data-id=\"ea38e27\" 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>La donation vous permet de l\u00e9guer des biens de votre vivant \u00e0 vos proches et de les soustraire aux droits de succession \u00e0 payer sur votre h\u00e9ritage. Il existe n\u00e9anmoins un risque : <strong>si vous d\u00e9c\u00e9dez pendant la p\u00e9riode dite suspecte<\/strong>, end\u00e9ans les 3 \u00e0 5 ans, la donation\u00a0 entrera dans le d\u00e9compte de la masse successorale et sera sujette \u00e0 des frais \u00e0 payer.<\/p>\n<p>Vous ne voulez pas courir ce risque, on vous comprend.\u00a0 C\u2019est l\u00e0 pr\u00e9cis\u00e9ment que votre assurance d\u00e9c\u00e8s entre en jeu : elle prot\u00e8ge un capital pour couvrir une telle situation. Et si vous le faites suffisamment t\u00f4t c\u2019est <strong>bien moins cher que l\u2019enregistrement de la donation chez le notaire<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c7f883 elementor-widget elementor-widget-heading\" data-id=\"8c7f883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Votre planification, une juste protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-671ea35 elementor-widget elementor-widget-text-editor\" data-id=\"671ea35\" 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>Faire une donation, c\u2019est une bonne option ; la prot\u00e9ger, un choix crucial. Chaque ann\u00e9e des milliers de Belges doivent payer des droits de succession suite au <strong>d\u00e9c\u00e8s du donateur pendant la p\u00e9riode suspecte<\/strong>.<\/p>\n<p>Un imp\u00e9ratif : faites souscrire votre assurance d\u00e9c\u00e8s succession par vos h\u00e9ritiers, pas par vous-m\u00eame. Car oui, s\u2019ils ne sont pas preneurs de l\u2019assurance, ils devront payer des frais lib\u00e9ratoires sur le capital vers\u00e9 au moment du d\u00e9c\u00e8s. C\u2019est ce qu\u2019on appelle le <strong>montage de contrat ABA<\/strong>.<\/p>\n<p>Vous voulez couvrir plus large ? Pas de souci : dans le cadre d\u2019une assurance d\u00e9c\u00e8s, vous pouvez assurer soit uniquement le montant li\u00e9 \u00e0 la donation, soit la <strong>totalit\u00e9 des droits de succession<\/strong>. Renseignez-vous aupr\u00e8s de votre courtier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-225c3d4 elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"225c3d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#benefits\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Mes avantages imm\u00e9diats<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1351781162\" role=\"tabpanel\" aria-labelledby=\"benefits\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-4f10f5b e-con-full e-flex e-con e-child\" data-id=\"4f10f5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d0b424f e-flex e-con-boxed e-con e-child\" data-id=\"d0b424f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43b56c5 elementor-widget elementor-widget-heading\" data-id=\"43b56c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Profitez d'une assurance <br \/>flexible, protectrice, optimis\u00e9e<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e104e02 e-con-full e-flex e-con e-child\" data-id=\"e104e02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3db5125 e-con-full e-flex e-con e-child\" data-id=\"3db5125\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc7a0a6 elementor-widget elementor-widget-image\" data-id=\"cc7a0a6\" 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 loading=\"lazy\" decoding=\"async\" width=\"149\" height=\"146\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/April-Favicon-2021.png\" class=\"attachment-large size-large wp-image-3389\" alt=\"\" \/>\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<div class=\"elementor-element elementor-element-c5d713c elementor-widget elementor-widget-heading\" data-id=\"c5d713c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Libert\u00e9 totale<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-319d1f7 elementor-widget elementor-widget-text-editor\" data-id=\"319d1f7\" 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 style=\"text-align: center;\">\u00c0 vous de choisir : b\u00e9n\u00e9ficiaire, montant du capital assur\u00e9, type de prime, mensualit\u00e9s, dur\u00e9e de couverture, montage du contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f995e4 e-con-full e-flex e-con e-child\" data-id=\"9f995e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-acc8f7e e-con-full e-flex e-con e-child\" data-id=\"acc8f7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0d3ef elementor-widget elementor-widget-image\" data-id=\"2c0d3ef\" 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 loading=\"lazy\" decoding=\"async\" width=\"166\" height=\"202\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/map-point-2021.png\" class=\"attachment-large size-large wp-image-3381\" alt=\"\" \/>\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<div class=\"elementor-element elementor-element-82ef3d4 elementor-widget elementor-widget-heading\" data-id=\"82ef3d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Garantie imm\u00e9diate<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4132fe elementor-widget elementor-widget-text-editor\" data-id=\"d4132fe\" 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 style=\"text-align: center;\">D\u00e8s la premi\u00e8re prime, une fois le contrat d\u00e9marr\u00e9, votre capital est assur\u00e9 et vers\u00e9 sans d\u00e9lai en cas de d\u00e9c\u00e8s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f48a6a9 e-con-full e-flex e-con e-child\" data-id=\"f48a6a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-156449c e-con-full e-flex e-con e-child\" data-id=\"156449c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e0e687 elementor-widget elementor-widget-image\" data-id=\"6e0e687\" 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 loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"144\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/picto-tarificateur-2021.png\" class=\"attachment-large size-large wp-image-3387\" alt=\"\" \/>\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<div class=\"elementor-element elementor-element-4ee2765 elementor-widget elementor-widget-heading\" data-id=\"4ee2765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Couverture optimis\u00e9e<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a341949 elementor-widget elementor-widget-text-editor\" data-id=\"a341949\" 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 style=\"text-align: center;\">Une assurance qui tient vraiment compte de tous les frais et vous propose le meilleur montage fiscal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2095771 elementor-align-center elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"2095771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faq\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Des questions ?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1351781163\" role=\"tabpanel\" aria-labelledby=\"faq\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-bd810b5 e-flex e-con-boxed e-con e-child\" data-id=\"bd810b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13b9803 e-con-full e-flex e-con e-child\" data-id=\"13b9803\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d451b17 elementor-widget elementor-widget-heading\" data-id=\"d451b17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Une question, un doute ?<br \/>\nOn vous r\u00e9pond<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a9b3d1 e-con-full e-flex e-con e-child\" data-id=\"4a9b3d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2fb1a5 elementor-widget elementor-widget-n-accordion\" data-id=\"b2fb1a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1870\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1870\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quel est le montant de ma prime ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><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>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1870\" class=\"elementor-element elementor-element-5a2ad94 e-con-full e-flex e-con e-child\" data-id=\"5a2ad94\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1870\" class=\"elementor-element elementor-element-35c3efb e-flex e-con-boxed e-con e-child\" data-id=\"35c3efb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed227e elementor-widget elementor-widget-text-editor\" data-id=\"9ed227e\" 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\tTout d\u00e9pend de votre contrat. V\u00e9rifiez bien les conditions particuli\u00e8res. Nous proposons diff\u00e9rentes modalit\u00e9s : montant constant qui n\u2019\u00e9volue pas ou montant d\u00e9croissant qui varie chaque ann\u00e9e. \n\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1871\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1871\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Existe-t-il un droit de r\u00e9tractation si je change d\u2019avis ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><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>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1871\" class=\"elementor-element elementor-element-d5691af e-con-full e-flex e-con e-child\" data-id=\"d5691af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1871\" class=\"elementor-element elementor-element-a20467d e-flex e-con-boxed e-con e-child\" data-id=\"a20467d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70415e0 elementor-widget elementor-widget-text-editor\" data-id=\"70415e0\" 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>Vous disposez d\u2019un droit de r\u00e9tractation, aussi appel\u00e9 droit de renonciation, sans frais, si vous souhaitez revenir sur votre d\u00e9cision apr\u00e8s la souscription de votre contrat. Pour une assurance d\u00e9c\u00e8s en Belgique, le d\u00e9lai de r\u00e9tractation est de 30 jours \u00e0 compter de la souscription.\u00a0<\/p>\n<p>Si vous voulez renoncer \u00e0 votre contrat d\u2019assurance chez APRIL Belgium, dans les d\u00e9lais des 30 jours, veuillez nous envoyer \u00e0 <a href=\"mailto:support.be@april.com\">support.be@april.com<\/a> votre demande de renonciation dat\u00e9e et sign\u00e9e par le preneur d\u2019assurance.\u00a0<\/p>\n<p>Si votre demande de renonciation est re\u00e7ue dans les d\u00e9lais, APRIL Belgium vous remboursera la prime \u00e9ventuellement pay\u00e9e.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1872\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1872\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Preneur, assur\u00e9, b\u00e9n\u00e9ficiaire : qui est qui ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><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>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1872\" class=\"elementor-element elementor-element-fddfa45 e-con-full e-flex e-con e-child\" data-id=\"fddfa45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1872\" class=\"elementor-element elementor-element-b1ec8c7 e-flex e-con-boxed e-con e-child\" data-id=\"b1ec8c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f59a5f7 elementor-widget elementor-widget-text-editor\" data-id=\"f59a5f7\" 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>Le preneur d\u2019assurance est la personne qui souscrit le contrat avec l\u2019assureur et paie les primes. L&rsquo;assur\u00e9 est la personne dont le d\u00e9c\u00e8s d\u00e9clenche l&rsquo;intervention de l&rsquo;assureur en faveur des b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s au contrat. Le b\u00e9n\u00e9ficiaire est la personne qui re\u00e7oit le capital de l&rsquo;assurance si l&rsquo;assur\u00e9 d\u00e9c\u00e8de avant l&rsquo;\u00e9ch\u00e9ance finale du contrat.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1873\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1873\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qui souscrit le contrat, comment se fait le montage ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><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>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1873\" class=\"elementor-element elementor-element-6a8bcfe e-con-full e-flex e-con e-child\" data-id=\"6a8bcfe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1873\" class=\"elementor-element elementor-element-92bc8b3 e-flex e-con-boxed e-con e-child\" data-id=\"92bc8b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3982e3 elementor-widget elementor-widget-text-editor\" data-id=\"e3982e3\" 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><span style=\"font-weight: 400;\"><strong>Trois types de montage de contrat<\/strong> sont possibles. Le preneur de contrat peut \u00eatre soit le donateur (B) ou le donataire (A), l\u2019assur\u00e9 peut \u00eatre le donateur (B) ou un tiers (C).<\/span><\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 25%; height: 24px;\">\u00a0<\/td>\n<td style=\"width: 25%; height: 24px;\"><strong>BBA<\/strong><\/td>\n<td style=\"width: 25%; height: 24px;\"><strong>ABC<\/strong><\/td>\n<td style=\"width: 25%; height: 24px;\"><strong>ABA<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 25%; height: 24px;\"><strong>preneur<\/strong><\/td>\n<td style=\"width: 25%; height: 24px;\">B<\/td>\n<td style=\"width: 25%; height: 24px;\">A<\/td>\n<td style=\"width: 25%; height: 24px;\">A<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 25%; height: 24px;\"><strong>assur\u00e9<\/strong><\/td>\n<td style=\"width: 25%; height: 24px;\">B<\/td>\n<td style=\"width: 25%; height: 24px;\">B<\/td>\n<td style=\"width: 25%; height: 24px;\">B<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 25%; height: 24px;\"><strong>b\u00e9n\u00e9ficiaire<\/strong><\/td>\n<td style=\"width: 25%; height: 24px;\">A<\/td>\n<td style=\"width: 25%; height: 24px;\">C<\/td>\n<td style=\"width: 25%; height: 24px;\">A<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\"><strong>Exemple de montage BBA<\/strong> : Marc (B) vient de souscrire un emprunt immobilier aupr\u00e8s d\u2019un organisme de cr\u00e9dit (A). Il doit prendre une assurance pour le couvrir. Il souscrit donc un contrat \u00e0 son nom (B), sur sa t\u00eate (B), en d\u00e9signant son organisme de cr\u00e9dit (A) comme b\u00e9n\u00e9ficiaire. En cas de d\u00e9c\u00e8s, le capital couvert sera vers\u00e9 \u00e0 l\u2019organisme pour solder le remboursement de son cr\u00e9dit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Exemple de montage ABC<\/strong> : La PME (A) de Marc (B) conna\u00eet une croissance commerciale fulgurante. Qu\u2019arriverait si, du jour au lendemain, Marc n\u2019\u00e9tait plus au front ? Il d\u00e9cide de prendre une assurance au nom de sa PME (A), sur sa t\u00eate, en d\u00e9signant sa famille comme b\u00e9n\u00e9ficiaire (C). En cas de malheur, le capital couvert lui sera vers\u00e9. Des conditions particuli\u00e8res s\u2019appliquent \u00e0 ce type de montage pour que les primes puissent \u00eatre d\u00e9ductibles.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Exemple de montage ABA<\/strong> : Marc (B) planifie sa succession. Il veut prot\u00e9ger sa fille Sophie (A) de frais trop \u00e9lev\u00e9s \u00e0 payer sur son h\u00e9ritage. Il lui propose de souscrire une assurance d\u00e9c\u00e8s \u00e0 son nom \u00e0 elle (A), sur sa t\u00eate \u00e0 lui (B), dont elle est la b\u00e9n\u00e9ficiaire (A). En cas de d\u00e9c\u00e8s, elle touchera le capital couvert pour faire face aux imp\u00e9ratifs financiers, et en \u00e9tant la preneuse d\u2019assurance, elle n\u2019aura pas de droits suppl\u00e9mentaires \u00e0 payer sur le capital vers\u00e9.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Quel est le montant de ma prime ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tout d\\u00e9pend de votre contrat. V\\u00e9rifiez bien les conditions particuli\\u00e8res. Nous proposons diff\\u00e9rentes modalit\\u00e9s : montant constant qui n\\u2019\\u00e9volue pas ou montant d\\u00e9croissant qui varie chaque ann\\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Existe-t-il un droit de r\\u00e9tractation si je change d\\u2019avis ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous disposez d\\u2019un droit de r\\u00e9tractation, aussi appel\\u00e9 droit de renonciation, sans frais, si vous souhaitez revenir sur votre d\\u00e9cision apr\\u00e8s la souscription de votre contrat. Pour une assurance d\\u00e9c\\u00e8s en Belgique, le d\\u00e9lai de r\\u00e9tractation est de 30 jours \\u00e0 compter de la souscription.\\u00a0\\nSi vous voulez renoncer \\u00e0 votre contrat d\\u2019assurance chez APRIL Belgium, dans les d\\u00e9lais des 30 jours, veuillez nous envoyer \\u00e0 support.be@april.com votre demande de renonciation dat\\u00e9e et sign\\u00e9e par le preneur d\\u2019assurance.\\u00a0\\nSi votre demande de renonciation est re\\u00e7ue dans les d\\u00e9lais, APRIL Belgium vous remboursera la prime \\u00e9ventuellement pay\\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Preneur, assur\\u00e9, b\\u00e9n\\u00e9ficiaire : qui est qui ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le preneur d\\u2019assurance est la personne qui souscrit le contrat avec l\\u2019assureur et paie les primes. L&rsquo;assur\\u00e9 est la personne dont le d\\u00e9c\\u00e8s d\\u00e9clenche l&rsquo;intervention de l&rsquo;assureur en faveur des b\\u00e9n\\u00e9ficiaires d\\u00e9sign\\u00e9s au contrat. Le b\\u00e9n\\u00e9ficiaire est la personne qui re\\u00e7oit le capital de l&rsquo;assurance si l&rsquo;assur\\u00e9 d\\u00e9c\\u00e8de avant l&rsquo;\\u00e9ch\\u00e9ance finale du contrat.\"}},{\"@type\":\"Question\",\"name\":\"Qui souscrit le contrat, comment se fait le montage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Trois types de montage de contrat sont possibles. Le preneur de contrat peut \\u00eatre soit le donateur (B) ou le donataire (A), l\\u2019assur\\u00e9 peut \\u00eatre le donateur (B) ou un tiers (C).\\n\\n\\n\\n\\u00a0\\nBBA\\nABC\\nABA\\n\\n\\npreneur\\nB\\nA\\nA\\n\\n\\nassur\\u00e9\\nB\\nB\\nB\\n\\n\\nb\\u00e9n\\u00e9ficiaire\\nA\\nC\\nA\\n\\n\\n\\nExemple de montage BBA : Marc (B) vient de souscrire un emprunt immobilier aupr\\u00e8s d\\u2019un organisme de cr\\u00e9dit (A). Il doit prendre une assurance pour le couvrir. Il souscrit donc un contrat \\u00e0 son nom (B), sur sa t\\u00eate (B), en d\\u00e9signant son organisme de cr\\u00e9dit (A) comme b\\u00e9n\\u00e9ficiaire. En cas de d\\u00e9c\\u00e8s, le capital couvert sera vers\\u00e9 \\u00e0 l\\u2019organisme pour solder le remboursement de son cr\\u00e9dit.\\nExemple de montage ABC : La PME (A) de Marc (B) conna\\u00eet une croissance commerciale fulgurante. Qu\\u2019arriverait si, du jour au lendemain, Marc n\\u2019\\u00e9tait plus au front ? Il d\\u00e9cide de prendre une assurance au nom de sa PME (A), sur sa t\\u00eate, en d\\u00e9signant sa famille comme b\\u00e9n\\u00e9ficiaire (C). En cas de malheur, le capital couvert lui sera vers\\u00e9. Des conditions particuli\\u00e8res s\\u2019appliquent \\u00e0 ce type de montage pour que les primes puissent \\u00eatre d\\u00e9ductibles.\\nExemple de montage ABA : Marc (B) planifie sa succession. Il veut prot\\u00e9ger sa fille Sophie (A) de frais trop \\u00e9lev\\u00e9s \\u00e0 payer sur son h\\u00e9ritage. Il lui propose de souscrire une assurance d\\u00e9c\\u00e8s \\u00e0 son nom \\u00e0 elle (A), sur sa t\\u00eate \\u00e0 lui (B), dont elle est la b\\u00e9n\\u00e9ficiaire (A). En cas de d\\u00e9c\\u00e8s, elle touchera le capital couvert pour faire face aux imp\\u00e9ratifs financiers, et en \\u00e9tant la preneuse d\\u2019assurance, elle n\\u2019aura pas de droits suppl\\u00e9mentaires \\u00e0 payer sur le capital vers\\u00e9.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ce2583 e-con-full e-flex e-con e-child\" data-id=\"5ce2583\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd729ae elementor-widget elementor-widget-heading\" data-id=\"dd729ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">D'autres questions, sur la vie de votre contrat ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6d0b8c elementor-widget elementor-widget-text-editor\" data-id=\"e6d0b8c\" 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>Rapprochez-vous de votre courtier ou consultez l&rsquo;ensemble de nos FAQ.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-637fe8b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"637fe8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/faq\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Toutes nos FAQ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f408bb7 e-con-full e-flex e-con e-parent\" data-id=\"f408bb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25353cc elementor-widget elementor-widget-template\" data-id=\"25353cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5649\" class=\"elementor elementor-5649\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ee37e8 e-con-full e-flex e-con e-parent\" data-id=\"0ee37e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a76d0c9 e-flex e-con-boxed e-con e-child\" data-id=\"a76d0c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f83b32 e-con-full e-flex e-con e-child\" data-id=\"3f83b32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6937a9e e-con-full e-flex e-con e-child\" data-id=\"6937a9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce068b elementor-widget elementor-widget-image\" data-id=\"0ce068b\" 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 loading=\"lazy\" decoding=\"async\" width=\"194\" height=\"190\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/picto-calculette-produit-assurance-2021-1.png\" class=\"attachment-large size-large wp-image-5650\" alt=\"\" \/>\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<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b4924 elementor-widget elementor-widget-heading\" data-id=\"43b4924\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Quelle est la meilleure formule pour vous ?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f374677 elementor-widget elementor-widget-text-editor\" data-id=\"f374677\" 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>Faites le point sur vos besoins et calculez votre prime. Obtenez votre simulation personnalis\u00e9e, en 3 min chrono, sans engagement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9619204 elementor-widget elementor-widget-button\" data-id=\"9619204\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/april-belgium.be\/fr\/simulateur\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9marrer ma simulation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53529d0 e-flex e-con-boxed e-con e-parent\" data-id=\"53529d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af5f7cf elementor-widget elementor-widget-heading\" data-id=\"af5f7cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nos autres solutions pour planifier votre succession<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8019c2f elementor-grid-mobile-1 elementor-grid-3 elementor-grid-tablet-2 elementor-widget elementor-widget-loop-grid\" data-id=\"8019c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:6433,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;rem&quot;,&quot;size&quot;:2,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;rem&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;rem&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;columns_mobile&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns&quot;:&quot;3&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-6433\">.elementor-6433 .elementor-element.elementor-element-110b575{--display:flex;}.elementor-6433 .elementor-element.elementor-element-f2a2404{--display:flex;}.elementor-6433 .elementor-element.elementor-element-0231a62{text-align:center;}.elementor-6433 .elementor-element.elementor-element-0231a62 .elementor-heading-title{font-size:2rem;line-height:1.225em;}@media(max-width:767px){.elementor-6433 .elementor-element.elementor-element-f2a2404{--padding-top:0rem;--padding-bottom:4rem;--padding-left:0rem;--padding-right:0rem;}.elementor-6433 .elementor-element.elementor-element-e57ef08 img{width:80%;}}\/* Start custom CSS for container, class: .elementor-element-f2a2404 *\/.elementor-6433 .elementor-element.elementor-element-f2a2404\n.elementor-heading-title {\n    font-weight: bold  !important;\n    color: var(--e-global-color-text) !important;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"6433\" class=\"elementor elementor-6433 e-loop-item e-loop-item-5927 post-5927 page type-page status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-110b575 e-flex e-con-boxed e-con e-parent\" data-id=\"110b575\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-f2a2404 e-con-full e-flex e-con e-child\" data-id=\"f2a2404\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/april-belgium.be\/fr\/nos-solutions\/planifier-ma-succession\/donation\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e57ef08 elementor-widget elementor-widget-image\" data-id=\"e57ef08\" 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 loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-LP2-2.webp\" class=\"attachment-full size-full wp-image-6178\" alt=\"\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-LP2-2.webp 1080w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-LP2-2-400x400.webp 400w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-LP2-2-150x150.webp 150w, https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-LP2-2-768x768.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\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<div class=\"elementor-element elementor-element-0231a62 elementor-widget elementor-widget-heading\" data-id=\"0231a62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Assurance donation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f00ebd4 e-con-full e-flex e-con e-parent\" data-id=\"f00ebd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-741cff7 elementor-widget elementor-widget-template\" data-id=\"741cff7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5658\" class=\"elementor elementor-5658\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa3f72f e-con-full e-flex e-con e-parent\" data-id=\"aa3f72f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8898307 e-flex e-con-boxed e-con e-child\" data-id=\"8898307\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4d6098d e-con-full e-flex e-con e-child\" data-id=\"4d6098d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-126a9fa elementor-widget elementor-widget-heading\" data-id=\"126a9fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">APRIL, l\u2019assurance en plus facile<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f69d98 elementor-widget elementor-widget-text-editor\" data-id=\"9f69d98\" 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 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Parlez-en \u00e0 votre courtier. Vous n\u2019en avez pas encore ? Profitez de notre r\u00e9seau partenaire. Trouvez l\u2019interm\u00e9diaire APRIL le plus proche de chez vous.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2adafd4 elementor-widget elementor-widget-button\" data-id=\"2adafd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/trouver-un-intermediaires-d-assurances\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Mon courtier<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Prot\u00e9gez votre donation des frais de succession Une assurance pour prot\u00e9ger votre donation, diminuer la base imposable des droits de succession. En bref Mes avantages Des questions ? Neutralisez le risque de frais de succession Vous voulez recourir \u00e0 une donation pour r\u00e9duire le patrimoine \u00e0 transmettre \u00e0 vos proches, et donc les frais de &hellip;<\/p>\n","protected":false},"author":4,"featured_media":6178,"parent":6171,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-5927","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance donation - APRIL-Belgium<\/title>\n<meta name=\"description\" content=\"Une assurance d\u00e9c\u00e8s pour prot\u00e9ger votre donation, diminuer la base imposable des droits de succession sur votre h\u00e9ritage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/april-belgium.be\/nl\/onze-oplossingen\/planifier-ma-succession\/donation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance donation - APRIL-Belgium\" \/>\n<meta property=\"og:description\" content=\"Une assurance d\u00e9c\u00e8s pour prot\u00e9ger votre donation, diminuer la base imposable des droits de succession sur votre h\u00e9ritage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/april-belgium.be\/nl\/onze-oplossingen\/planifier-ma-succession\/donation\/\" \/>\n<meta property=\"og:site_name\" content=\"APRIL-Belgium\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T08:02:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/april-belgium.be\/wp-content\/uploads\/Succession-LP2-2.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/april-belgium.be\\\/nl\\\/onze-oplossingen\\\/planifier-ma-succession\\\/donation\\\/\",\"url\":\"https:\\\/\\\/april-belgium.be\\\/nl\\\/onze-oplossingen\\\/planifier-ma-succession\\\/donation\\\/\",\"name\":\"Assurance donation - 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