{"id":22624,"date":"2025-08-20T15:00:07","date_gmt":"2025-08-20T14:00:07","guid":{"rendered":"https:\/\/lindemannlaw.ch\/?p=22624"},"modified":"2025-08-20T15:11:03","modified_gmt":"2025-08-20T14:11:03","slug":"assurance-vie-a-prime-unique-avantages-fiscalite-et-points-essentiels-en-suisse","status":"publish","type":"post","link":"https:\/\/lindemannlaw.ch\/fr\/insights\/assurance-vie-a-prime-unique-avantages-fiscalite-et-points-essentiels-en-suisse\/","title":{"rendered":"Assurance-vie \u00e0 prime unique : avantages, fiscalit\u00e9 et points essentiels en Suisse"},"content":{"rendered":"<h3>Qu\u2019est-ce qu\u2019une assurance-vie \u00e0 prime unique et quels en sont les avantages ?<\/h3>\n<p>Une assurance-vie \u00e0 prime unique est un contrat d\u2019assurance-vie susceptible de rachat \u00a0dans lequel la totalit\u00e9 de la prime est vers\u00e9e d\u00e8s le d\u00e9but sous la forme d\u2019un paiement unique. Cela diff\u00e8re des assurances-vie traditionnelles avec des primes r\u00e9guli\u00e8res (mensuelles ou annuelles).<br \/>\nLe capital investi peut \u00eatre allou\u00e9 \u00e0 des placements traditionnels, li\u00e9s \u00e0 des fonds, ou mixtes, offrant ainsi une combinaison de protection financi\u00e8re et de constitution de patrimoine.<\/p>\n<h3>Quels avantages fiscaux offre une assurance-vie \u00e0 prime unique en Suisse ?<\/h3>\n<p>Pendant la dur\u00e9e d\u2019une assurance-vie \u00e0 prime unique, les rendements g\u00e9n\u00e9r\u00e9s sur le capital initial sont exon\u00e9r\u00e9s d\u2019imp\u00f4t sur le revenu. Autrement dit, les gains en capital r\u00e9alis\u00e9s dans le cadre de la police ne sont en g\u00e9n\u00e9ral pas soumis \u00e0 l\u2019imp\u00f4t sur le revenu. Cela permet une croissance du capital nette d\u2019imp\u00f4t, rendant l\u2019\u00e9pargne beaucoup plus efficace.<\/p>\n<p>Le versement de la prestation d\u2019assurance est exon\u00e9r\u00e9 d\u2019imp\u00f4t \u00e0 condition que les crit\u00e8res suivants soient remplis cumulativement:<\/p>\n<ul>\n<li>La police a \u00e9t\u00e9 conclue avant le 66<sup>e<\/sup> anniversaire \u00a0de l\u2019assur\u00e9.<\/li>\n<li>Au moment du versement, l\u2019assur\u00e9 a atteint l\u2019\u00e2ge de 60 ans.<\/li>\n<li>Le contrat est en vigueur depuis au moins cinq ans.<\/li>\n<li>Le souscripteur et l\u2019assur\u00e9 sont la m\u00eame personne.<\/li>\n<li>L\u2019assurance offre une couverture ad\u00e9quate pour le risque de vie et de d\u00e9c\u00e8s.<\/li>\n<\/ul>\n<p>Si toutes ces conditions sont cumulativement remplies, le versement est g\u00e9n\u00e9ralement exon\u00e9r\u00e9 de l\u2019imp\u00f4t sur le revenu.<\/p>\n<p>Pour les assurances-vie \u00e0 prime unique li\u00e9es \u00e0 un indice ou \u00e0 des fonds, la dur\u00e9e minimale du contrat doit \u00eatre de dix ans. Toutefois, le rachat de la police \u2013 c\u2019est-\u00e0-dire le retrait anticip\u00e9 total ou partiel du capital \u2013 est possible d\u00e8s cinq ans. Dans ce cas, la valeur de rachat est en principe exon\u00e9r\u00e9e d\u2019imp\u00f4t, sous r\u00e9serve du respect des autres conditions de l\u2019exon\u00e9ration et en l\u2019absence d\u2019intention sp\u00e9culative.<\/p>\n<h3>Que se passe-t-il si la prestation d\u2019assurance est vers\u00e9e apr\u00e8s le d\u00e9c\u00e8s de l\u2019assur\u00e9 ?<\/h3>\n<p>En Suisse, les prestations en cas de d\u00e9c\u00e8s issues d\u2019une assurance-vie enti\u00e8re \u00e0 prime unique ou d\u2019une assurance-vie universelle ne sont pas soumises \u00e0 l\u2019imp\u00f4t sur le revenu. Toutefois, si le versement est effectu\u00e9 \u00e0 des b\u00e9n\u00e9ficiaires autres que le conjoint survivant ou les descendants directs, un imp\u00f4t sur les successions peut s\u2019appliquer selon le canton.<\/p>\n<h3>Puis-je utiliser mon portefeuille de titres comme prime unique ?<\/h3>\n<p>Oui, c\u2019est possible. Un portefeuille de titres peut \u00eatre apport\u00e9 comme prime unique. Le portefeuille est int\u00e9gr\u00e9 dans la police d\u2019assurance et peut continuer \u00e0 \u00eatre g\u00e9r\u00e9 par un gestionnaire de fortune. D\u2019un point de vue fiscal suisse, une telle police est trait\u00e9e de la m\u00eame mani\u00e8re qu\u2019une police financ\u00e9e par un versement en esp\u00e8ces.<\/p>\n<p>Il peut \u00e9galement \u00eatre judicieux de mettre en place une telle police avant un d\u00e9m\u00e9nagement pr\u00e9vu en Suisse. Pour les conditions li\u00e9es \u00e0 la dur\u00e9e du contrat et \u00e0 l\u2019\u00e2ge de l\u2019assur\u00e9, la date de souscription est d\u00e9terminante.<\/p>\n<h3>Je suis citoyen am\u00e9ricain r\u00e9sidant en Suisse. Une assurance-vie \u00e0 prime unique m\u2019offre-t-elle aussi des avantages ?<\/h3>\n<p>Comme tous les citoyens am\u00e9ricains sont soumis \u00e0 une obligation fiscale illimit\u00e9e aux \u00c9tats-Unis, il est essentiel de s\u2019assurer que toute assurance-vie \u00e0 prime unique respecte les exigences du droit fiscal am\u00e9ricain. En principe, les produits d\u2019assurance-vie b\u00e9n\u00e9ficient d\u2019un traitement fiscal avantageux aux \u00c9tats-Unis, \u00e0 condition que la police remplisse certains crit\u00e8res l\u00e9gaux.<\/p>\n<p>Pour b\u00e9n\u00e9ficier de ces avantages fiscaux, les conditions suivantes doivent \u00eatre respect\u00e9es :<\/p>\n<ul>\n<li><strong>Cash Value Accumulation Test (CVAT)<\/strong> : la valeur de rachat de la police ne doit pas d\u00e9passer la prime nette cumul\u00e9e, afin que le produit soit reconnu fiscalement comme une assurance-vie.<\/li>\n<li><strong>Test des 7 primes (7-Pay Test)<\/strong> : pour permettre des retraits et pr\u00eats non imposables jusqu\u2019au montant de la prime vers\u00e9e, la police doit passer ce test. Cela signifie que la prime unique ne peut pas d\u00e9passer la somme des primes r\u00e9guli\u00e8res qui auraient \u00e9t\u00e9 dues pendant les sept premi\u00e8res ann\u00e9es.<\/li>\n<li><strong>R\u00e8gles de diversification de l\u2019IRS<\/strong> : les placements dans la police doivent respecter les r\u00e8gles de diversification am\u00e9ricaines.<\/li>\n<li><strong>Doctrine du contr\u00f4le de l\u2019investisseur (Investor Control Doctrine)<\/strong> : l\u2019assur\u00e9 ne doit pas \u00eatre consid\u00e9r\u00e9 comme le b\u00e9n\u00e9ficiaire \u00e9conomique des placements d\u00e9tenus dans la police. Cela implique notamment qu\u2019il ne peut pas prendre de d\u00e9cisions d\u2019investissement essentielles, exercer de droits de vote ou retirer des fonds avant l\u2019\u00e9ch\u00e9ance.<\/li>\n<\/ul>\n<p>Il est donc indispensable que la police soit conforme non seulement aux r\u00e9glementations suisses, mais aussi au droit fiscal am\u00e9ricain.<\/p>\n<p>Si toutes les conditions ci-dessus sont remplies, les revenus g\u00e9n\u00e9r\u00e9s par la police aux \u00c9tats-Unis ne seront impos\u00e9s qu\u2019au moment d\u2019un versement en cas de vie. En cas de d\u00e9c\u00e8s, lorsque la prestation est vers\u00e9e directement aux b\u00e9n\u00e9ficiaires, il n\u2019y a en g\u00e9n\u00e9ral ni imp\u00f4t sur le revenu ni imp\u00f4t successoral.<\/p>\n<p>Chez <strong>LINDEMANNLAW<\/strong>, nous conseillons les particuliers et les familles sur les aspects juridiques, fiscaux et financiers des assurances-vie \u00e0 prime unique et de la planification successorale. Si vous envisagez ce type de solution ou souhaitez comprendre ses implications pour votre situation personnelle, nos avocats exp\u00e9riment\u00e9s sont \u00e0 votre disposition.<\/p>\n<p>Contactez-nous d\u00e8s aujourd\u2019hui pour organiser une consultation et b\u00e9n\u00e9ficier de conseils personnalis\u00e9s pour votre strat\u00e9gie patrimoniale et successorale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu\u2019est-ce qu\u2019une assurance-vie \u00e0 prime unique et quels en sont les avantages ? Une assurance-vie \u00e0 prime unique est un contrat d\u2019assurance-vie susceptible de rachat \u00a0dans lequel la totalit\u00e9 de la prime est vers\u00e9e d\u00e8s le d\u00e9but sous la forme d\u2019un paiement unique. Cela diff\u00e8re des assurances-vie traditionnelles avec des primes r\u00e9guli\u00e8res (mensuelles ou annuelles). [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":22620,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Assurance-vie \u00e0 prime unique","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"D\u00e9couvrez les avantages, la fiscalit\u00e9 et les aspects juridiques de l\u2019assurance-vie \u00e0 prime unique en Suisse pour optimiser votre 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