{"id":517,"date":"2025-07-28T08:41:00","date_gmt":"2025-07-28T06:41:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/?p=517"},"modified":"2025-07-25T16:42:21","modified_gmt":"2025-07-25T14:42:21","slug":"assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/","title":{"rendered":"Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? \u00ab\u00a0Je pensais que c&rsquo;\u00e9tait trop tard\u00a0\u00bb"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Alors que l&rsquo;esp\u00e9rance de vie ne cesse d&rsquo;augmenter en France, de nombreux seniors s&rsquo;interrogent sur la possibilit\u00e9 de souscrire une assurance vie apr\u00e8s 70 ans. Une question qui revient souvent dans les cabinets de conseil en gestion de patrimoine.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a2f9f208bb26\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a2f9f208bb26\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/#Un_contrat_qui_reste_accessible_sous_conditions\" >Un contrat qui reste accessible, sous conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/#Les_particularites_des_contrats_seniors\" >Les particularit\u00e9s des contrats seniors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/#Pourquoi_souscrire_si_tard\" >Pourquoi souscrire si tard ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/#Les_alternatives_a_considerer\" >Les alternatives \u00e0 consid\u00e9rer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/#Un_choix_a_etudier_avec_soin\" >Un choix \u00e0 \u00e9tudier avec soin<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Un_contrat_qui_reste_accessible_sous_conditions\"><\/span>Un contrat qui reste accessible, sous conditions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 une id\u00e9e re\u00e7ue, il serait tout \u00e0 fait possible d&rsquo;ouvrir une assurance vie apr\u00e8s 70 ans. Cependant, les conditions pourraient \u00eatre plus strictes que pour les jeunes souscripteurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les professionnels du secteur, la plupart des assureurs accepteraient encore des souscriptions jusqu&rsquo;\u00e0 75 ou 80 ans, avec des plafonds de versement parfois r\u00e9duits. \u00ab\u00a0Je pensais qu&rsquo;\u00e0 72 ans, c&rsquo;\u00e9tait termin\u00e9 pour moi. Mon conseiller m&rsquo;a pourtant propos\u00e9 plusieurs solutions adapt\u00e9es\u00a0\u00bb, t\u00e9moigne Robert, un retrait\u00e9 de Nice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_particularites_des_contrats_seniors\"><\/span>Les particularit\u00e9s des contrats seniors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les seniors, les assureurs proposeraient des formules sp\u00e9cifiques :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fonds en euros majoritaires pour limiter les risques<\/li>\n\n\n\n<li>Frais \u00e9ventuellement plus \u00e9lev\u00e9s pour couvrir le risque de d\u00e9c\u00e8s<\/li>\n\n\n\n<li>Plafonds de versement parfois r\u00e9duits<\/li>\n\n\n\n<li>Questionnaires m\u00e9dicaux pouvant \u00eatre exig\u00e9s<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F12028\" target=\"_blank\" rel=\"noopener\">site du service public<\/a> confirme que \u00ab\u00a0l&rsquo;assurance vie peut \u00eatre souscrite \u00e0 tout \u00e2ge\u00a0\u00bb, tout en pr\u00e9cisant que \u00ab\u00a0les contrats peuvent pr\u00e9voir des conditions particuli\u00e8res\u00a0\u00bb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pourquoi_souscrire_si_tard\"><\/span>Pourquoi souscrire si tard ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs raisons pourraient pousser un senior \u00e0 souscrire une assurance vie apr\u00e8s 70 ans :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transmettre un capital \u00e0 ses h\u00e9ritiers<\/li>\n\n\n\n<li>B\u00e9n\u00e9ficier d&rsquo;une fiscalit\u00e9 avantageuse<\/li>\n\n\n\n<li>Placer une somme re\u00e7ue (h\u00e9ritage, vente d&rsquo;un bien)<\/li>\n\n\n\n<li>Compl\u00e9ter ses revenus de retraite<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u00a0Apr\u00e8s la vente de notre maison de famille, nous avons plac\u00e9 une partie de l&rsquo;argent sur une assurance vie. Cela nous permet de garder une \u00e9pargne disponible tout en pr\u00e9parant la transmission\u00a0\u00bb, explique Jeanne, 74 ans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_alternatives_a_considerer\"><\/span>Les alternatives \u00e0 consid\u00e9rer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour ceux qui rencontreraient des difficult\u00e9s \u00e0 souscrire une assurance vie classique, des solutions alternatives existeraient :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;assurance d\u00e9c\u00e8s<\/li>\n\n\n\n<li>Le contrat de capitalisation<\/li>\n\n\n\n<li>Les donations avec r\u00e9serve d&rsquo;usufruit<\/li>\n\n\n\n<li>Les placements bancaires classiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque situation \u00e9tant unique, il serait recommand\u00e9 de faire le point avec un conseiller en gestion de patrimoine pour choisir la solution la plus adapt\u00e9e \u00e0 ses besoins et \u00e0 son \u00e2ge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Un_choix_a_etudier_avec_soin\"><\/span>Un choix \u00e0 \u00e9tudier avec soin<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Souscrire une assurance vie apr\u00e8s 70 ans pourrait pr\u00e9senter des avantages, mais n\u00e9cessiterait une r\u00e9flexion approfondie. Les conditions particuli\u00e8res appliqu\u00e9es aux seniors, les objectifs de placement et la situation familiale devraient \u00eatre soigneusement examin\u00e9s avant toute d\u00e9cision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme le rappelle souvent les professionnels du secteur, il ne serait jamais trop tard pour bien faire&#8230; \u00e0 condition de bien s&rsquo;entourer et de comprendre toutes les implications de son choix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u00a0`<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;517&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? \\u0026quot;Je pensais que c\\u0026#039;\u00e9tait trop tard\\u0026quot;&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Alors que l&rsquo;esp\u00e9rance de vie ne cesse d&rsquo;augmenter en France, de nombreux seniors s&rsquo;interrogent sur la possibilit\u00e9 de souscrire une assurance vie apr\u00e8s 70 ans. Une question qui revient souvent dans les cabinets de conseil en gestion de patrimoine. Un contrat qui reste accessible, sous conditions Contrairement \u00e0 une id\u00e9e re\u00e7ue, il serait tout \u00e0 &#8230; <a title=\"Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? \u00ab\u00a0Je pensais que c&rsquo;\u00e9tait trop tard\u00a0\u00bb\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/\" aria-label=\"En savoir plus sur Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? \u00ab\u00a0Je pensais que c&rsquo;\u00e9tait trop tard\u00a0\u00bb\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? &quot;Je pensais que c&#039;\u00e9tait trop tard&quot; - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? &quot;Je pensais que c&#039;\u00e9tait trop tard&quot; - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Alors que l&rsquo;esp\u00e9rance de vie ne cesse d&rsquo;augmenter en France, de nombreux seniors s&rsquo;interrogent sur la possibilit\u00e9 de souscrire une assurance vie apr\u00e8s 70 ans. Une question qui revient souvent dans les cabinets de conseil en gestion de patrimoine. Un contrat qui reste accessible, sous conditions Contrairement \u00e0 une id\u00e9e re\u00e7ue, il serait tout \u00e0 ... Lire plus\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rachat2credit.fr\/guide\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\/\" \/>\n<meta property=\"og:site_name\" content=\"Rachat de Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-28T06:41:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/07\/flux-517-1753454540.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Aurelien Boulanger\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aurelien Boulanger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/assurance-vie-apres-70-ans-est-ce-encore-possible-de-souscrire-je-pensais-que-cetait-trop-tard\\\/\"},\"author\":{\"name\":\"Aurelien Boulanger\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/person\\\/d4142086d07bc6acdc4722eabd955cc2\"},\"headline\":\"Assurance vie apr\u00e8s 70 ans : est-ce encore possible de souscrire ? 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