{"id":848,"date":"2025-08-13T15:46:21","date_gmt":"2025-08-13T13:46:21","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/"},"modified":"2025-08-13T15:46:21","modified_gmt":"2025-08-13T13:46:21","slug":"combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/","title":{"rendered":"Combien co\u00fbte vraiment une assurance d\u00e9c\u00e8s ? \u00ab\u00a0J&rsquo;ai \u00e9t\u00e9 choqu\u00e9 par le prix, mais c&rsquo;est indispensable\u00a0\u00bb"},"content":{"rendered":"<p>\u00ab\u00a0`html<\/p>\n<p>Dans un contexte \u00e9conomique incertain, de nombreux Fran\u00e7ais s&rsquo;interrogent sur le co\u00fbt r\u00e9el d&rsquo;une assurance d\u00e9c\u00e8s. Entre protection familiale et budget serr\u00e9, cette question touche \u00e0 l&rsquo;\u00e9quilibre d\u00e9licat des finances personnelles.<\/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-69f1051b2efc6\" 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-69f1051b2efc6\" 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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/#%C2%AB_Je_pensais_que_cetait_reserve_aux_riches_%C2%BB_le_choc_dune_famille_face_aux_tarifs\" >\u00ab\u00a0Je pensais que c&rsquo;\u00e9tait r\u00e9serv\u00e9 aux riches\u00a0\u00bb : le choc d&rsquo;une famille face aux tarifs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/#Les_3_facteurs_qui_font_exploser_les_tarifs_et_comment_les_contourner\" >Les 3 facteurs qui font exploser les tarifs (et comment les contourner)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/#Comparaison_choc_assurance_deces_vs_epargne\" >Comparaison choc : assurance d\u00e9c\u00e8s vs \u00e9pargne<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/#Le_piege_des_petits_contrats_promotionnels\" >Le pi\u00e8ge des petits contrats promotionnels<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/#Alternatives_meconnues_les_contrats_solidaires\" >Alternatives m\u00e9connues : les contrats solidaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/#%C2%AB_Jai_negocie_une_baisse_de_40_%C2%BB_la_methode_qui_marche\" >\u00ab\u00a0J&rsquo;ai n\u00e9goci\u00e9 une baisse de 40%\u00a0\u00bb : la m\u00e9thode qui marche<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"%C2%AB_Je_pensais_que_cetait_reserve_aux_riches_%C2%BB_le_choc_dune_famille_face_aux_tarifs\"><\/span>\u00ab\u00a0Je pensais que c&rsquo;\u00e9tait r\u00e9serv\u00e9 aux riches\u00a0\u00bb : le choc d&rsquo;une famille face aux tarifs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Thomas, 42 ans, p\u00e8re de deux enfants, a voulu souscrire une assurance d\u00e9c\u00e8s apr\u00e8s la naissance de son cadet. Son t\u00e9moignage est \u00e9loquent : \u00ab\u00a0Lorsque j&rsquo;ai demand\u00e9 un devis pour couvrir les \u00e9tudes de mes enfants, l&rsquo;assureur m&rsquo;a annonc\u00e9 85 \u20ac par mois. Avec notre cr\u00e9dit immobilier, c&rsquo;est compliqu\u00e9\u00a0\u00bb.<\/p>\n<p>Selon les experts, le prix moyen d&rsquo;une assurance d\u00e9c\u00e8s en France pourrait varier entre <strong>0,3% et 1,5%<\/strong> du capital assur\u00e9. Pour une garantie de 100 000 \u20ac, cela repr\u00e9senterait donc une fourchette de <strong>25 \u00e0 125 \u20ac mensuels<\/strong>, selon l&rsquo;\u00e2ge et l&rsquo;\u00e9tat de sant\u00e9 de l&rsquo;assur\u00e9.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_3_facteurs_qui_font_exploser_les_tarifs_et_comment_les_contourner\"><\/span>Les 3 facteurs qui font exploser les tarifs (et comment les contourner)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>1. <strong>L&rsquo;\u00e2ge<\/strong> : \u00ab\u00a0\u00c0 50 ans, les primes pourraient doubler par rapport \u00e0 un trentenaire\u00a0\u00bb, explique un courtier sp\u00e9cialis\u00e9. Certains contrats proposent cependant un tarif bloqu\u00e9.<\/p>\n<p>2. <strong>Le capital choisi<\/strong> : \u00ab\u00a0Nous conseillons souvent de couvrir juste le montant du cr\u00e9dit immobilier\u00a0\u00bb, pr\u00e9cise une conseill\u00e8re en gestion de patrimoine.<\/p>\n<p>3. <strong>Les options<\/strong> : Les garanties compl\u00e9mentaires (invalidit\u00e9, maladie grave) alourdiraient la facture de 15 \u00e0 30%. Une piste : souscrire d&rsquo;abord la base, puis compl\u00e9ter progressivement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Comparaison_choc_assurance_deces_vs_epargne\"><\/span>Comparaison choc : assurance d\u00e9c\u00e8s vs \u00e9pargne<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Un calcul th\u00e9orique montre que pour un homme de 35 ans non-fumeur, \u00e9pargner 50 \u20ac par mois pendant 20 ans pourrait donner environ 18 000 \u20ac (\u00e0 2% annuel). Alors qu&rsquo;une assurance d\u00e9c\u00e8s de 100 000 \u20ac lui co\u00fbterait environ 600 \u20ac par an.<\/p>\n<p>\u00ab\u00a0L&rsquo;id\u00e9al serait peut-\u00eatre de combiner les deux\u00a0\u00bb, sugg\u00e8re un planificateur financier. \u00ab\u00a0L&rsquo;assurance prot\u00e8ge imm\u00e9diatement la famille, tandis que l&rsquo;\u00e9pargne constitue un matelas de s\u00e9curit\u00e9\u00a0\u00bb.<\/p>\n<p>Pour mieux comprendre les m\u00e9canismes de tarification, le <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2155\" target=\"_blank\" rel=\"noopener\">site officiel du service public<\/a> propose une explication d\u00e9taill\u00e9e des diff\u00e9rents types de contrats.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Le_piege_des_petits_contrats_promotionnels\"><\/span>Le pi\u00e8ge des petits contrats promotionnels<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Certaines enseignes proposent des assurances d\u00e9c\u00e8s \u00e0 \u00ab\u00a0seulement 10 \u20ac par mois\u00a0\u00bb. Mais attention : \u00ab\u00a0Ces contrats couvrent souvent des montants tr\u00e8s faibles, parfois moins de 15 000 \u20ac\u00a0\u00bb, met en garde un rapport de l&rsquo;<abbr title=\"Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution\">ACPR<\/abbr>.<\/p>\n<p>Sophie, 28 ans, en a fait l&rsquo;am\u00e8re exp\u00e9rience : \u00ab\u00a0J&rsquo;ai souscrit une offre \u00e0 8 \u20ac par mois en croyant bien faire. \u00c0 la lecture du contrat, j&rsquo;ai compris qu&rsquo;elle ne couvrirait m\u00eame pas un an de loyer pour mon conjoint\u00a0\u00bb.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Alternatives_meconnues_les_contrats_solidaires\"><\/span>Alternatives m\u00e9connues : les contrats solidaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Des mutuelles proposent d\u00e9sormais des assurances d\u00e9c\u00e8s collectives \u00e0 moindre co\u00fbt. \u00ab\u00a0Nous mutualisons le risque entre 10 000 adh\u00e9rents, ce qui permet des tarifs 30% inf\u00e9rieurs au march\u00e9\u00a0\u00bb, explique un responsable de MACIF Pr\u00e9vention.<\/p>\n<p>Autre piste : certaines banques incluent une garantie d\u00e9c\u00e8s gratuite pendant 1 an avec leur compte jeune. Une solution temporaire pour les budgets tr\u00e8s serr\u00e9s.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%AB_Jai_negocie_une_baisse_de_40_%C2%BB_la_methode_qui_marche\"><\/span>\u00ab\u00a0J&rsquo;ai n\u00e9goci\u00e9 une baisse de 40%\u00a0\u00bb : la m\u00e9thode qui marche<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Marc, 45 ans, a r\u00e9ussi \u00e0 faire baisser sa prime annuelle de 750 \u20ac \u00e0 450 \u20ac. Son secret ? \u00ab\u00a0J&rsquo;ai fourni \u00e0 mon assureur mon bilan sanguin complet et mon carnet de sport. Cela a prouv\u00e9 que j&rsquo;\u00e9tais en meilleure sant\u00e9 que la moyenne de ma tranche d&rsquo;\u00e2ge\u00a0\u00bb.<\/p>\n<p>Les experts confirment : fournir des \u00e9l\u00e9ments concrets sur son mode de vie (non-fumeur, pratique sportive r\u00e9guli\u00e8re, absence d&rsquo;ant\u00e9c\u00e9dents familiaux) pourrait permettre d&rsquo;obtenir des rabais significatifs.<\/p>\n<p>Alors, l&rsquo;assurance d\u00e9c\u00e8s est-elle vraiment ch\u00e8re ? Tout d\u00e9pendrait finalement de votre situation personnelle, de votre capacit\u00e9 \u00e0 comparer et n\u00e9gocier&#8230; et surtout de la valeur que vous accordez \u00e0 la tranquillit\u00e9 d&rsquo;esprit pour vos proches.<\/p>\n<p>\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;848&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;Combien co\u00fbte vraiment une assurance d\u00e9c\u00e8s ? \\u0026quot;J\\u0026#039;ai \u00e9t\u00e9 choqu\u00e9 par le prix, mais c\\u0026#039;est indispensable\\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>\u00ab\u00a0`html Dans un contexte \u00e9conomique incertain, de nombreux Fran\u00e7ais s&rsquo;interrogent sur le co\u00fbt r\u00e9el d&rsquo;une assurance d\u00e9c\u00e8s. Entre protection familiale et budget serr\u00e9, cette question touche \u00e0 l&rsquo;\u00e9quilibre d\u00e9licat des finances personnelles. \u00ab\u00a0Je pensais que c&rsquo;\u00e9tait r\u00e9serv\u00e9 aux riches\u00a0\u00bb : le choc d&rsquo;une famille face aux tarifs Thomas, 42 ans, p\u00e8re de deux enfants, a &#8230; <a title=\"Combien co\u00fbte vraiment une assurance d\u00e9c\u00e8s ? \u00ab\u00a0J&rsquo;ai \u00e9t\u00e9 choqu\u00e9 par le prix, mais c&rsquo;est indispensable\u00a0\u00bb\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/\" aria-label=\"En savoir plus sur Combien co\u00fbte vraiment une assurance d\u00e9c\u00e8s ? \u00ab\u00a0J&rsquo;ai \u00e9t\u00e9 choqu\u00e9 par le prix, mais c&rsquo;est indispensable\u00a0\u00bb\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-848","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>Combien co\u00fbte vraiment une assurance d\u00e9c\u00e8s ? &quot;J&#039;ai \u00e9t\u00e9 choqu\u00e9 par le prix, mais c&#039;est indispensable&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\/combien-coute-vraiment-une-assurance-deces-jai-ete-choque-par-le-prix-mais-cest-indispensable\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Combien co\u00fbte vraiment une assurance d\u00e9c\u00e8s ? &quot;J&#039;ai \u00e9t\u00e9 choqu\u00e9 par le prix, mais c&#039;est indispensable&quot; - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab\u00a0`html Dans un contexte \u00e9conomique incertain, de nombreux Fran\u00e7ais s&rsquo;interrogent sur le co\u00fbt r\u00e9el d&rsquo;une assurance d\u00e9c\u00e8s. Entre protection familiale et budget serr\u00e9, cette question touche \u00e0 l&rsquo;\u00e9quilibre d\u00e9licat des finances personnelles. \u00ab\u00a0Je pensais que c&rsquo;\u00e9tait r\u00e9serv\u00e9 aux riches\u00a0\u00bb : le choc d&rsquo;une famille face aux tarifs Thomas, 42 ans, p\u00e8re de deux enfants, a ... 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