{"id":199998,"date":"2024-02-06T22:29:05","date_gmt":"2024-02-06T21:29:05","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=199998"},"modified":"2026-02-02T16:13:37","modified_gmt":"2026-02-02T15:13:37","slug":"rachat","status":"publish","type":"page","link":"https:\/\/guide.reassurez-moi.fr\/guide\/assurance-obseques\/rachat","title":{"rendered":"Comment fonctionne le rachat d\u2019une assurance obs\u00e8ques ?\u00a0"},"content":{"rendered":"\n<p>Il est possible d\u2019effectuer le rachat de son <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-obseques\">assurance obs\u00e8ques<\/a>, suivant des d\u00e9marches et des conditions pr\u00e9cises. Le rachat peut \u00eatre partiel ou total, un rachat total entra\u00eenant la cl\u00f4ture du contrat d\u2019obs\u00e8ques. Comment faire pour racheter son assurance obs\u00e8ques ? Comment est calcul\u00e9e la valeur de rachat par l\u2019assureur ? Le rachat d\u2019une assurance obs\u00e8ques est-il imposable ? Quid du d\u00e9lai de versement ? Voici tout ce qu\u2019il faut savoir sur le sujet !&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Peut-on racheter son contrat d\u2019assurance obs\u00e8ques ?&nbsp;<\/strong><\/h2>\n\n\n\n<p><strong>Un contrat d\u2019assurance obs\u00e8ques peut faire l\u2019objet d\u2019un rachat avant le d\u00e9c\u00e8s du souscripteur, partiel ou total. <\/strong>Il s\u2019agit d\u2019un droit garanti par le Code des assurances.<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><i class=\"icon\"><\/i><p>Un rachat total entra\u00eene automatiquement la cl\u00f4ture du contrat d\u2019assurance obs\u00e8ques, soit sa <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-obseques\/resiliation\">r\u00e9siliation<\/a> !\u00a0<\/p><\/div>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Un contrat d\u2019obs\u00e8ques doit obligatoirement contenir une clause de rachat,<\/strong> \u00e9galement appel\u00e9e clause de lib\u00e9ration, permettant de pr\u00e9ciser les modalit\u00e9s du rachat du contrat.&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Le rachat peut alors \u00eatre partiel ou total :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>en cas de rachat partiel de son assurance obs\u00e8ques<\/strong>, le souscripteur demande le versement d\u2019une partie des primes d\u00e9j\u00e0 effectu\u00e9es sur le contrat d\u2019obs\u00e8ques, le contrat \u00e9tant maintenu et le souscripteur pouvant continuer \u00e0 b\u00e9n\u00e9ficier des garanties de son assurance obs\u00e8ques ;&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>en cas de rachat total de son assurance obs\u00e8ques<\/strong>, le contrat d\u2019obs\u00e8ques est automatiquement r\u00e9sili\u00e9, ce qui met fin aux garanties d\u2019obs\u00e8ques du souscripteur et lui permet de r\u00e9cup\u00e9rer la totalit\u00e9 de la valeur de rachat de son contrat.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Pour vous aider \u00e0 trouver plus facilement l\u2019offre la plus adapt\u00e9e \u00e0 vos attentes, n\u2019h\u00e9sitez pas \u00e0 utiliser notre comparateur d\u2019assurances obs\u00e8ques en ligne ! <\/strong>En quelques clics, vous aurez ainsi acc\u00e8s \u00e0 de multiples devis personnalis\u00e9s en fonction de vos besoins, de votre profil et de votre budget !<\/p>\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            \u00c9conomisez en comparant \n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            + de 15 assurances obs\u00e8ques\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-obseques\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparer \n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                les assurances obs\u00e8ques\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment est calcul\u00e9e la valeur de rachat d\u2019une assurance obs\u00e8ques ?&nbsp;<\/strong><\/h2>\n\n\n\n<p><strong>La valeur de rachat (partiel ou total) d\u2019une assurance obs\u00e8ques est calcul\u00e9e par chaque assureur suivant plusieurs crit\u00e8res<\/strong>, tels que :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-pros-2\">\n<li>l\u2019\u00e2ge du souscripteur,&nbsp;<\/li>\n\n\n\n<li>le montant des cotisations vers\u00e9es depuis la signature du contrat,&nbsp;<\/li>\n\n\n\n<li>les frais appliqu\u00e9s \u00e0 un rachat partiel ou total.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-check\"><i class=\"icon\"><\/i><p>Le mode de calcul de la valeur de rachat doit \u00e9galement \u00eatre indiqu\u00e9e dans la clause de rachat du contrat d\u2019obs\u00e8ques.\u00a0<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quelles d\u00e9marches pour racheter un contrat d\u2019assurance obs\u00e8ques ?<\/strong><\/h2>\n\n\n\n<p><strong>Afin d\u2019effectuer un rachat de son contrat d\u2019assurance obs\u00e8ques, le souscripteur doit envoyer une lettre \u00e0 l\u2019assureur (par lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception)<\/strong>, incluant notamment :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>les nom et pr\u00e9nom de l\u2019assur\u00e9,<\/li>\n\n\n\n<li>le num\u00e9ro du contrat d\u2019assurance obs\u00e8ques ou la copie du bulletin d\u2019adh\u00e9sion,&nbsp;<\/li>\n\n\n\n<li>une copie recto-verso de pi\u00e8ce d\u2019identit\u00e9 en cours de validit\u00e9 (CNI, passeport, titre de s\u00e9jour, permis de conduire \u2026),&nbsp;<\/li>\n\n\n\n<li>une copie du RIB,&nbsp;<\/li>\n\n\n\n<li>l\u2019indication d\u2019un rachat partiel ou total.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mod\u00e8le de lettre de rachat d\u2019assurance obs\u00e8ques<\/strong><\/h2>\n\n\n\n<p><strong>Pour faciliter vos d\u00e9marches de demande de rachat de contrat d\u2019obs\u00e8ques<\/strong>, n\u2019h\u00e9sitez pas \u00e0 utiliser notre mod\u00e8le de lettre, disponible gratuitement ! Il vous suffit de le t\u00e9l\u00e9charger, de le compl\u00e9ter avec vos informations personnelles (num\u00e9ro de contrat, date de souscription, montant du rachat) puis de l\u2019envoyer \u00e0 votre assureur par lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception (LRAR).&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/Mode%CC%80le-de-lettre-de-rachat-dassurance-obse%CC%80ques.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>T\u00e9l\u00e9charger le mod\u00e8le de lettre de rachat d\u2019assurance obs\u00e8ques<\/strong><\/a><strong> :&nbsp;<\/strong><\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/Mode%CC%80le-de-lettre-de-rachat-dassurance-obse%CC%80ques.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2019\/09\/telecharger-lettre-500x500.jpg\" alt=\"telecharger lettre\" class=\"wp-image-73864\" style=\"width:164px;height:164px\"\/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Rachat d\u2019assurance obs\u00e8ques : quel d\u00e9lai de versement par l\u2019assureur ?&nbsp;<\/strong><\/h2>\n\n\n\n<p><strong>Le d\u00e9lai de versement d\u2019un rachat d\u2019assurance obs\u00e8ques par l\u2019assureur ne peut pas d\u00e9passer 2 mois<\/strong>, selon <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000030461815\" target=\"_blank\" rel=\"noreferrer noopener\">l\u2019article L 132-21 Code des assurances<\/a>.<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Ce d\u00e9lai de versement d\u00e9marre \u00e0 compter de la r\u00e9ception de la lettre de demande de rachat par l\u2019assureur.&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-check\"><i class=\"icon\"><\/i><p>L\u2019envoi par lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception permet \u00e0 l\u2019assur\u00e9 de b\u00e9n\u00e9ficier d\u2019une preuve d\u2019envoi et d\u2019une preuve de r\u00e9ception, des preuves juridiques essentielles en cas de litige avec l\u2019assureur !<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La valeur de rachat d\u2019une assurance obs\u00e8ques est-elle imposable ?<\/strong><\/h2>\n\n\n\n<p><strong>Non, la valeur de rachat d\u2019un contrat d\u2019obs\u00e8ques n\u2019est pas imposable. <\/strong>Elle b\u00e9n\u00e9ficie de la m\u00eame exon\u00e9ration d\u2019imp\u00f4t que l\u2019assurance d\u00e9c\u00e8s.&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>De plus, en cas de d\u00e9c\u00e8s de l\u2019assur\u00e9, le capital de l\u2019assurance obs\u00e8ques n\u2019entre pas dans la <\/strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-obseques\/succession\"><strong>succession<\/strong><\/a><strong>.<\/strong> Il ne peut donc pas faire l\u2019objet de droits de succession.&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Toutefois, il existe certains plafonds d\u2019exon\u00e9ration<\/strong> suivant la date de versement des primes d\u2019assurance :&nbsp;<\/p>\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-header-simple\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>P\u00e9riode de versement des primes par l\u2019assur\u00e9<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Abattement maximum<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Avant 70 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">152 000 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Apr\u00e8s 70 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 500 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1707255660796\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Est-ce possible de racheter un contrat d\u2019obs\u00e8ques ?<\/h3> <p class=\"schema-faq-answer\"><strong>Oui tout \u00e0 fait !<\/strong> Un contrat d\u2019assurance obs\u00e8ques peut faire l\u2019objet d\u2019un <strong>rachat partiel ou total<\/strong>, avant le d\u00e9c\u00e8s du souscripteur.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1707255670875\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Un contrat d\u2019obs\u00e8ques doit-il obligatoirement contenir une clause de rachat ?<\/h3> <p class=\"schema-faq-answer\"><strong>Oui absolument ! <\/strong>Tout contrat d\u2019assurance obs\u00e8ques doit obligatoirement inclure une clause de rachat, ou clause lib\u00e9ratoire, pr\u00e9cisant les <strong>modalit\u00e9s d\u2019un rachat<\/strong> ainsi que le <strong>mode de calcul de la valeur de rachat<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1707255678644\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Que se passe-t-il en cas de rachat total d\u2019un contrat d\u2019obs\u00e8ques ?<\/h3> <p class=\"schema-faq-answer\">Si vous proc\u00e9dez au <strong>rachat total de votre assurance obs\u00e8ques<\/strong>, cela entra\u00eenera la <strong>r\u00e9siliation de votre contrat<\/strong> et le versement de l\u2019int\u00e9gralit\u00e9 de sa valeur de rachat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1707255688899\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Quel d\u00e9lai de versement en cas de rachat d\u2019assurance obs\u00e8ques ?<\/h3> <p class=\"schema-faq-answer\">L\u2019assureur dispose d\u2019un d\u00e9lai maximum de <strong>2 mois<\/strong> pour effectuer le versement de la valeur de rachat \u00e0 l\u2019assur\u00e9, qu\u2019il s\u2019agisse d\u2019un rachat partiel ou total.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1707255697364\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Quelles informations doivent \u00eatre pr\u00e9cis\u00e9es dans la lettre de demande de rachat d\u2019un contrat d\u2019obs\u00e8ques ?<\/h3> <p class=\"schema-faq-answer\">Une <strong>lettre de demande de rachat d\u2019assurance obs\u00e8ques<\/strong> doit indiquer :\u00a0<br\/>&#8211; les nom et pr\u00e9nom de l\u2019assur\u00e9,<br\/>&#8211; le num\u00e9ro du contrat d\u2019assurance obs\u00e8ques ou la copie du bulletin d\u2019adh\u00e9sion,\u00a0<br\/>&#8211; une copie recto-verso de pi\u00e8ce d\u2019identit\u00e9 en cours de validit\u00e9 (CNI, passeport, titre de s\u00e9jour, permis de conduire \u2026),\u00a0<br\/>&#8211; une copie du RIB,\u00a0<br\/>&#8211; s\u2019il s\u2019agit d\u2019un rachat partiel ou total.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Il est possible d\u2019effectuer le rachat de son assurance obs\u00e8ques, suivant des d\u00e9marches et des conditions pr\u00e9cises. Le rachat peut \u00eatre partiel ou total, un rachat total entra\u00eenant la cl\u00f4ture du contrat d\u2019obs\u00e8ques. Comment faire pour racheter son assurance obs\u00e8ques ? Comment est calcul\u00e9e la valeur de rachat par l\u2019assureur ? Le rachat d\u2019une assurance\u2026<\/p>\n","protected":false},"author":86,"featured_media":0,"parent":19309,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[595],"class_list":["post-199998","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment faire le rachat d\u2019une assurance obs\u00e8ques ?<\/title>\n<meta name=\"description\" content=\"Un contrat d\u2019assurance obs\u00e8ques peut \u00eatre rachet\u00e9 ou r\u00e9sili\u00e9. 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