{"id":785,"date":"2025-08-09T12:46:28","date_gmt":"2025-08-09T10:46:28","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/"},"modified":"2025-08-09T12:46:28","modified_gmt":"2025-08-09T10:46:28","slug":"droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/","title":{"rendered":"Droits de succession : le PER pourrait-il surpasser l\u2019assurance vie ? \u201cj\u2019ai \u00e9conomis\u00e9 30 000 euros en optant pour cette strat\u00e9gie\u201d"},"content":{"rendered":"<p>\u00ab&nbsp;J\u2019ai \u00e9conomis\u00e9 15&nbsp;000&nbsp;\u20ac de droits de succession gr\u00e2ce \u00e0 une astuce m\u00e9connue&nbsp;\u00bb&nbsp;: le face-\u00e0-face PER vs assurance vie<\/p>\n<p>Alors que les droits de succession peuvent engloutir jusqu\u2019\u00e0 45% d\u2019un h\u00e9ritage, une bataille discr\u00e8te oppose deux solutions d\u2019optimisation&nbsp;: le Plan d\u2019\u00c9pargne Retraite (PER) et l\u2019assurance vie. Une strat\u00e9gie mal choisie pourrait co\u00fbter des dizaines de milliers d\u2019euros aux h\u00e9ritiers.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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-69f1068bf2a89\" 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-69f1068bf2a89\" 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\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/#Le_choc_des_titans_fiscaux\" >Le choc des titans fiscaux<\/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\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/#Larme_secrete_du_PER\" >L\u2019arme secr\u00e8te du PER<\/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\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/#Lassurance_vie_un_classique_a_manoeuvrer_avec_precision\" >L\u2019assurance vie, un classique \u00e0 man\u0153uvrer avec pr\u00e9cision<\/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\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/#Le_match_en_chiffres\" >Le match en chiffres<\/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\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/#Le_piege_a_eviter_absolument\" >Le pi\u00e8ge \u00e0 \u00e9viter absolument<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/#Votre_prochain_mouvement\" >Votre prochain mouvement<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Le_choc_des_titans_fiscaux\"><\/span>Le choc des titans fiscaux<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ab&nbsp;Quand mon notaire m\u2019a annonc\u00e9 que mes enfants risquaient de payer 62&nbsp;000&nbsp;\u20ac de droits sur mon appartement, j\u2019ai cherch\u00e9 toutes les alternatives&nbsp;\u00bb, t\u00e9moigne Fran\u00e7ois, 58 ans. Son choix s\u2019est finalement port\u00e9 sur un PER apr\u00e8s avoir compar\u00e9 les deux options pendant des mois.<\/p>\n<p>Selon une <a href=\"https:\/\/www.impots.gouv.fr\/portail\/\" target=\"_blank\" rel=\"noopener\">\u00e9tude des services fiscaux<\/a>, l\u2019assurance vie reste le produit pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais avec 1,8&nbsp;millions de souscriptions annuelles. Pourtant, le PER offrirait des avantages sous-estim\u00e9s dans certains cas pr\u00e9cis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Larme_secrete_du_PER\"><\/span>L\u2019arme secr\u00e8te du PER<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Contrairement \u00e0 l\u2019assurance vie, les sommes vers\u00e9es sur un PER b\u00e9n\u00e9ficieraient d\u2019une exon\u00e9ration totale de droits de succession si le contrat est transform\u00e9 en rente pour les b\u00e9n\u00e9ficiaires. Un d\u00e9tail qui changerait la donne pour les successions importantes.<\/p>\n<ul>\n<li><strong>Transmission en capital<\/strong>&nbsp;: droits de succession classiques<\/li>\n<li><strong>Transformation en rente viag\u00e8re<\/strong>&nbsp;: exon\u00e9ration totale sous conditions<\/li>\n<\/ul>\n<p>\u00ab&nbsp;C\u2019est cette option qui m\u2019a fait \u00e9conomiser l\u2019\u00e9quivalent de deux ann\u00e9es de salaire pour mes enfants&nbsp;\u00bb, confie Fran\u00e7ois en montrant son tableau de simulation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lassurance_vie_un_classique_a_manoeuvrer_avec_precision\"><\/span>L\u2019assurance vie, un classique \u00e0 man\u0153uvrer avec pr\u00e9cision<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Avec ses 152&nbsp;milliards d\u2019euros d\u2019encours, l\u2019assurance vie domine toujours le march\u00e9. Sa force&nbsp;? L\u2019abattement de 152&nbsp;500&nbsp;\u20ac par b\u00e9n\u00e9ficiaire apr\u00e8s 70 ans, contre seulement 30&nbsp;500&nbsp;\u20ac pour le PER en transmission classique.<\/p>\n<p>Mais attention au pi\u00e8ge&nbsp;: \u00ab&nbsp;J\u2019ai vu des clients perdre 40% de leur \u00e9pargne parce qu\u2019ils n\u2019avaient pas respect\u00e9 la r\u00e8gle des versements avant 70 ans&nbsp;\u00bb, met en garde Ma\u00eetre Dubois, notaire \u00e0 Lyon.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_match_en_chiffres\"><\/span>Le match en chiffres<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tr>\n<th>Crit\u00e8re<\/th>\n<th>PER<\/th>\n<th>Assurance vie<\/th>\n<\/tr>\n<tr>\n<td>Abattement par b\u00e9n\u00e9ficiaire<\/td>\n<td>30&nbsp;500&nbsp;\u20ac<\/td>\n<td>152&nbsp;500&nbsp;\u20ac<\/td>\n<\/tr>\n<tr>\n<td>Taux apr\u00e8s abattement<\/td>\n<td>20%<\/td>\n<td>20% ou 31,25%<\/td>\n<\/tr>\n<tr>\n<td>Option rente viag\u00e8re<\/td>\n<td>Exon\u00e9ration possible<\/td>\n<td>Non applicable<\/td>\n<\/tr>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Le_piege_a_eviter_absolument\"><\/span>Le pi\u00e8ge \u00e0 \u00e9viter absolument<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La pire erreur consisterait \u00e0 m\u00e9langer les deux strat\u00e9gies sans planification. \u00ab&nbsp;Un client a vu sa facture fiscale exploser parce qu\u2019il avait nomm\u00e9 les m\u00eames b\u00e9n\u00e9ficiaires sur son PER et son assurance vie sans anticipation&nbsp;\u00bb, r\u00e9v\u00e8le Sophie, conseill\u00e8re en gestion de patrimoine.<\/p>\n<p>L\u2019astuce des professionnels&nbsp;? Constituer un tandem PER\/assurance vie en fonction de l\u2019\u00e2ge du souscripteur et du profil des h\u00e9ritiers. Une m\u00e9thode qui aurait permis \u00e0 certaines familles de diviser par trois leurs droits de succession.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Votre_prochain_mouvement\"><\/span>Votre prochain mouvement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Alors que le gouvernement envisagerait de durcir la fiscalit\u00e9 sur les successions, l\u2019heure est \u00e0 l\u2019action. Les experts recommandent de&nbsp;:<\/p>\n<ol>\n<li>Faire un audit complet de votre situation avant 60 ans<\/li>\n<li>\u00c9tudier la r\u00e9partition PER\/assurance vie selon votre \u00e2ge<\/li>\n<li>Anticiper les changements familiaux (mariage, divorce, naissance)<\/li>\n<\/ol>\n<p>\u00ab&nbsp;Ceux qui attendent l\u2019ouverture de la succession pour agir perdent en moyenne 27% de leur patrimoine en taxes&nbsp;\u00bb, conclut Ma\u00eetre Dubois. Un chiffre qui donne \u00e0 r\u00e9fl\u00e9chir \u00e0 l\u2019heure o\u00f9 la transmission devient l\u2019enjeu financier num\u00e9ro un des Fran\u00e7ais.<\/p>\n<p>Et vous, connaissiez-vous cette faille fiscale qui pourrait sauver votre h\u00e9ritage&nbsp;? Pendant que certains h\u00e9sitent, d\u2019autres ont d\u00e9j\u00e0 s\u00e9curis\u00e9 des \u00e9conomies substantielles. La balle est dans votre camp.<\/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;785&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;Droits de succession : le PER pourrait-il surpasser l\u2019assurance vie ? \u201cj\u2019ai \u00e9conomis\u00e9 30 000 euros en optant pour cette strat\u00e9gie\u201d&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>\u00ab&nbsp;J\u2019ai \u00e9conomis\u00e9 15&nbsp;000&nbsp;\u20ac de droits de succession gr\u00e2ce \u00e0 une astuce m\u00e9connue&nbsp;\u00bb&nbsp;: le face-\u00e0-face PER vs assurance vie Alors que les droits de succession peuvent engloutir jusqu\u2019\u00e0 45% d\u2019un h\u00e9ritage, une bataille discr\u00e8te oppose deux solutions d\u2019optimisation&nbsp;: le Plan d\u2019\u00c9pargne Retraite (PER) et l\u2019assurance vie. Une strat\u00e9gie mal choisie pourrait co\u00fbter des dizaines de milliers &#8230; <a title=\"Droits de succession : le PER pourrait-il surpasser l\u2019assurance vie ? \u201cj\u2019ai \u00e9conomis\u00e9 30 000 euros en optant pour cette strat\u00e9gie\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/\" aria-label=\"En savoir plus sur Droits de succession : le PER pourrait-il surpasser l\u2019assurance vie ? \u201cj\u2019ai \u00e9conomis\u00e9 30 000 euros en optant pour cette strat\u00e9gie\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":786,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-785","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Droits de succession : le PER pourrait-il surpasser l\u2019assurance vie ? \u201cj\u2019ai \u00e9conomis\u00e9 30 000 euros en optant pour cette strat\u00e9gie\u201d - 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\/droits-de-succession-le-per-pourrait-il-surpasser-lassurance-vie-jai-economise-30-000-euros-en-optant-pour-cette-strategie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Droits de succession : le PER pourrait-il surpasser l\u2019assurance vie ? \u201cj\u2019ai \u00e9conomis\u00e9 30 000 euros en optant pour cette strat\u00e9gie\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab&nbsp;J\u2019ai \u00e9conomis\u00e9 15&nbsp;000&nbsp;\u20ac de droits de succession gr\u00e2ce \u00e0 une astuce m\u00e9connue&nbsp;\u00bb&nbsp;: le face-\u00e0-face PER vs assurance vie Alors que les droits de succession peuvent engloutir jusqu\u2019\u00e0 45% d\u2019un h\u00e9ritage, une bataille discr\u00e8te oppose deux solutions d\u2019optimisation&nbsp;: le Plan d\u2019\u00c9pargne Retraite (PER) et l\u2019assurance vie. 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