{"id":15474,"date":"2023-11-02T16:22:14","date_gmt":"2023-11-02T15:22:14","guid":{"rendered":"https:\/\/onezone.ch\/valeurs-de-rachat-et-valeurs-de-transformation-dans-lassurance-vie\/"},"modified":"2025-01-16T15:47:15","modified_gmt":"2025-01-16T14:47:15","slug":"valeurs-de-rachat-et-valeurs-de-transformation-dans-lassurance-vie","status":"publish","type":"post","link":"https:\/\/onezone.ch\/fr\/valeurs-de-rachat-et-valeurs-de-transformation-dans-lassurance-vie\/","title":{"rendered":"Valeurs de rachat et valeurs de transformation dans l&rsquo;assurance vie"},"content":{"rendered":"\n\n<section id=\"res-header-image-block_505cd350d5a8872393bbf16dce772fc3\" class=\"res-block res-header-image alignfull \">\n  <div class=\"res-header-img-outside mb-5\" data-aos=\"res-fadeIn\">\n\t<div class=\"res-header-height\">\n\t\t\n\t\n\t  <style> \n\t\t  @media only screen and (min-width: 970px) {\n\t\t\t #res-header-image-block_505cd350d5a8872393bbf16dce772fc3.res-header-image .layout-1.header-img-height { height: 66vh;}  \n\t\t\t #res-header-image-block_505cd350d5a8872393bbf16dce772fc3.res-header-image .layout-1 .res-header-image-vertical-center { top: 50%;} \n\t\t\t  \t\t\t  \n\t\t\t  \n\t\t  }\n\t\t  @media only screen and (max-width: 970px) {  \n\t\t\t#res-header-image-block_505cd350d5a8872393bbf16dce772fc3.res-header-image .layout-1.header-img-height { height: 55vh;} \n\t\t\t  \n\t\t\t  \n\t\t\t    #res-header-image-block_505cd350d5a8872393bbf16dce772fc3.res-header-image .layout-1 .res-header-image-vertical-center { top: 50%;}\t\t\t  \t\t  }\n\t\t  \t  <\/style> \n\t\t\n\t  <div class=\"layout-1 jarallax header-img-height\" data-speed=\"0.6\" style=\"couleur de fond : #000;\">\n\t\t  \n\t\t\t\t<div class=\"res-header-image-vertical-center\">\n\t\t\t\t\t<div class=\"container-fluid\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"sloganBox\">\n                           <div class=\"row\">\n                             <div class=\"col col-md-8 text-left\">\n\t\t\t\t\t\t\t\t <div class=\"\" data-aos=\"res-leftIncoming\" (en anglais)>\n\t\t\t\t\t\t\t\t \n                                \t\n\t\t\t\t\t\t\t\t \n                                  \n\t\t\t\t\t\t\t\t \t<h2>Valeurs de rachat et valeurs de transformation dans l&rsquo;assurance vie<\/h2>\n                                \t\t\t\t\t\t\t\t \n                                \t\n\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t                 <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<img decoding=\"async\" class=\"jarallax-img img-fluid\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-fullscreen-faq-1920x1080.webp\" alt=\"\"  style=\"opacity: 0.9;\" \/>\n\t\t    \t\t  \n\t\t\t \n\t\t\t  <div class=\"header-arrow\"><a class=\"scrollerTo\" href=\"#kosten\"><i class=\"fal fa-chevron-down\" aria-hidden=\"true\"><\/i><\/a> <\/div>\n\t\t\t\t\t  \n\t\t   <\/div>\n\t\t\t \n\t \n\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\t\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"co\u00fbts\" class=\"res-block res-link-anker py-4  link-anker-with-no-padding\" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\r\n\r\n<section id=\"res-txt-block_9b6f52bf5b88a0f7b73832a2e29e6dfb\" class=\"res-block res-txt alignfull layout01 p-no \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n\r\n<section id=\"res-txt-block_7d2ef32b7a44bd3e99c63acf4d6fa7e2\" class=\"res-block res-txt alignfull layout01 pb-2 \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n<section id=\"res-icons-text-block_87b44e96e162e264e5cf65d7f62641dc\" class=\"res-block res-icons-text alignfull py-2 \" style=\"background : transparent;\">\r\n  <div class=\"inner-container conteneur\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_87b44e96e162e264e5cf65d7f62641dc.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_87b44e96e162e264e5cf65d7f62641dc.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_87b44e96e162e264e5cf65d7f62641dc.res-icons-text .iconbox { font-size:90%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-1 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 bg-light p-1\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-2 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/unnamed-file-1046x1300.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-10 icons-txt-content col-md-10\">\r\n\t\t\t\t\t<p>Si l&rsquo;assurance a une structure coop\u00e9rative, ils n&rsquo;ont pas besoin de servir des actionnaires, ce qui r\u00e9duit aussi souvent les co\u00fbts d&rsquo;investissement au profit des clients.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n\r\n<section id=\"res-txt-block_28b5b2c1e37f66db38ad01b0c1173148\" class=\"res-block res-txt alignfull layout01 py-3 \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"Avantages et inconv\u00e9nients\" class=\"res-block res-link-anker p-no  link-anker-with-no-padding\" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\r\n\r\n<section id=\"res-txt-block_8dbe678a739fe73fc9e84efbfa4d3db0\" class=\"res-block res-txt alignfull layout01 py-1 \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\r\n<section id=\"res-icons-text-block_2c73568e219ce43ab4234e85013b8781\" class=\"res-block res-icons-text alignfull p-no \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-fluid\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_2c73568e219ce43ab4234e85013b8781.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_2c73568e219ce43ab4234e85013b8781.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_2c73568e219ce43ab4234e85013b8781.res-icons-text .iconbox { font-size:80%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-2 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Garantie<\/strong>:<\/span> les compagnies d&rsquo;assurance proposent des solutions avec une <a href=\"http:\/\/lebensversicherung-kosten#garantie\"><strong>Garantie<\/strong><\/a>. Certaines compagnies, comme <em>SwissLife<\/em> <strong>, augmentent<\/strong> m\u00eame la garantie <strong>pendant la dur\u00e9e du contrat<\/strong> en couvrant les b\u00e9n\u00e9fices r\u00e9alis\u00e9s &#8211; le succ\u00e8s est donc <em>garanti<\/em>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Dur\u00e9e minimale du contrat \/ moins d&rsquo;\u00e9pargne \u00e0 court terme :<\/strong><\/span> Les solutions d&rsquo;assurance sont con\u00e7ues pour des <em>contrats \u00e0 long terme et des objectifs correspondants<\/em>. Si tu r\u00e9silies un contrat <strong>apr\u00e8s \u00e0 peine 3 ans<\/strong> et que tu souhaites le racheter, les co\u00fbts sont \u00e0 peine amortis et les <strong>r\u00e9sultats d&rsquo;\u00e9pargne ne sont pas encore au niveau pr\u00e9vu.<\/strong><\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Co\u00fbts<\/strong><\/span>Oui, les solutions d&rsquo;assurance ont aussi des co\u00fbts administratifs qui doivent \u00eatre amortis &#8211; la majeure partie pendant les 1 \u00e0 3 premi\u00e8res ann\u00e9es. Mais ensuite, les assurances ont de meilleures strat\u00e9gies d&rsquo;investissement et n&rsquo;ont plus besoin d&rsquo;encaisser d&rsquo;autres frais ou de rattraper d&rsquo;\u00e9ventuelles pertes. A <strong>long terme<\/strong>, <strong>les assurances<\/strong> ont donc <strong>moins de<\/strong> <strong>frais<\/strong> que <a href=\"http:\/\/onezone.ch\/lebensversicherung-kosten#kosten\">les banques<\/a>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Moins de flexibilit\u00e9 :<\/strong><\/span> Le <em>versement<\/em> des <strong>primes <\/strong>p\u00e9riodiques <strong> <em>doit<\/em> <\/strong>\u00eatre <em>effectu\u00e9<\/em> <strong>pour les <\/strong>assurances <strong><em>doivent \u00eatre respect\u00e9es<\/em><\/strong>. Cependant, certaines compagnies offrent la possibilit\u00e9 de faire une <em>pause dans les primes<\/em>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Protection contre d&rsquo;autres risques :<\/strong><\/span> En plus de la police d&rsquo;\u00e9pargne, il est possible d&rsquo;assurer des risques tels qu&rsquo;un <em>capital d\u00e9c\u00e8s <\/em>&#8211; pour<strong> prot\u00e9ger la famille ; <\/strong>les cons\u00e9quences financi\u00e8res d&rsquo;une <em>incapacit\u00e9 de travail<\/em> &#8211; pour <strong>prot\u00e9ger le revenu ; <\/strong>ainsi qu&rsquo;une <em>exon\u00e9ration de primes en cas d&rsquo;incapacit\u00e9 de travail<\/em> &#8211; de sorte que la <strong>police<\/strong> <strong>continue<\/strong> automatiquement <strong>\u00e0 courir<\/strong>, m\u00eame <strong>sans versement de la prime<\/strong>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">Aucun autre inconv\u00e9nient<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Un capital d&rsquo;\u00e9pargne plus \u00e9lev\u00e9 gr\u00e2ce \u00e0 la discipline :<\/strong><\/span> Le montant de la prime d&rsquo;une assurance vie peut \u00eatre d\u00e9fini lors de la souscription et, dans de nombreuses situations, ajust\u00e9 pendant la dur\u00e9e du contrat. Une fois qu&rsquo;elle est d\u00e9finie et convenue, elle doit <em>\u00eatre vers\u00e9e<\/em> p\u00e9riodiquement <em>et r\u00e9guli\u00e8rement<\/em> (annuellement ou mensuellement) &#8211; ce qui permet d&rsquo;effectuer un versement r\u00e9gulier et d&rsquo;atteindre <strong>des objectifs<\/strong> <strong>s\u00fbrs<\/strong> (et plus pr\u00e9visibles) gr\u00e2ce \u00e0 cette <strong>discipline<\/strong> appropri\u00e9e.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">Aucun autre inconv\u00e9nient<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Des taux d&rsquo;int\u00e9r\u00eat plus \u00e9lev\u00e9s \u00e0 long terme :<\/strong><\/span> Avec les solutions d&rsquo;assurance, des <em>int\u00e9r\u00eats garantis<\/em> sont pay\u00e9s sur tes <em>\u00e9conomies<\/em> &#8211; pas des int\u00e9r\u00eats de march\u00e9. En plus de cela, pour les assurances, les <em>exc\u00e9dents de b\u00e9n\u00e9fices<\/em> s&rsquo;accumulent ici aussi. Cela signifie qu&rsquo;<strong>\u00e0 long terme<\/strong>, <strong>des taux d&rsquo;int\u00e9r\u00eat plus \u00e9lev\u00e9s<\/strong> sont atteints et donc que de meilleurs r\u00e9sultats sont obtenus.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">Aucun autre inconv\u00e9nient<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n<\/div>\n<\/div>\n\r\n\r\n<section id=\"res-txt-block_c2dcf7deadd1c2587d41b0e04412e791\" class=\"res-block res-txt alignfull layout01 pt-3 \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\r\n<section id=\"res-icons-text-block_1c85f7ddaafeb143135d2a880169c9b2\" class=\"res-block res-icons-text alignfull p-no \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-fluid\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_1c85f7ddaafeb143135d2a880169c9b2.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_1c85f7ddaafeb143135d2a880169c9b2.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_1c85f7ddaafeb143135d2a880169c9b2.res-icons-text .iconbox { font-size:80%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-2 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Plus de flexibilit\u00e9<\/strong>:<\/span> l&rsquo;obligation de paiement p\u00e9riodique n&rsquo;existe pas dans une banque &#8211; il est possible d&rsquo;<strong>effectuer des versements aussi souvent que l&rsquo;on veut et pour le montant de son choix<\/strong>, et d&rsquo;ouvrir des comptes et des d\u00e9p\u00f4ts flexibles.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Une moins bonne discipline :<\/strong><\/span> Comme il n&rsquo;y a pas d&rsquo;\u00a0\u00bbobligation\u00a0\u00bb d&rsquo;\u00e9conomiser, tu es, selon l&rsquo;article, une personne qui n&rsquo;a pas d&rsquo;argent. Etudes <em>moins motiv\u00e9<\/em> et <strong>\u00e9conomise en cons\u00e9quence moins<\/strong> que si tu as un plan d&rsquo;\u00e9pargne cons\u00e9quent avec des primes p\u00e9riodiques comme pour une assurance.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><u><b>Possibilit\u00e9 d&rsquo;\u00e9pargner \u00e0 court terme :<\/b><\/u> Comme il est possible de verser autant et aussi souvent que tu le souhaites, une solution \u00e0 court terme est \u00e9galement possible en ce qui concerne la <strong>dur\u00e9e du contrat<\/strong>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Moins rentable :<\/strong><\/span> Les banques et leurs comptes 3a se basent sur les <em>taux d&rsquo;int\u00e9r\u00eat du march\u00e9<\/em> et ceux-ci sont g\u00e9n\u00e9ralement <strong>inf\u00e9rieurs au taux d&rsquo;inflation.<\/strong> Cela signifie que l&rsquo;influence du <em>rench\u00e9rissement<\/em> <em>limite<\/em> tes <em>\u00e9conomies.<\/em><\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">Aucun autre avantage<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><u><b>Interruption du paiement des primes en cas d&rsquo;incapacit\u00e9 de travail :<\/b><\/u> Dans le cas d&rsquo;une solution d&rsquo;assurance, en cas d&rsquo;incapacit\u00e9 de travail, l&rsquo;\u00e9pargne est automatiquement poursuivie par l&rsquo;assurance elle-m\u00eame. avec un compte 3a \u00e0 la banque, il faudrait continuer \u00e0 payer soi-m\u00eame les primes d&rsquo;\u00e9pargne, ce qui est g\u00e9n\u00e9ralement difficile en cas d&rsquo;incapacit\u00e9 de gain.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">Aucun autre avantage<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Pas de protection contre les risques :<\/strong><\/span> Les risques<em> d&rsquo;incapacit\u00e9 de travail <\/em>et <em>de capital d\u00e9c\u00e8s <\/em>ne peuvent <strong>pas<\/strong> \u00eatre <strong>assur\u00e9s<\/strong> par une banque. Avec un compte bancaire 3a, il s&rsquo;agit exclusivement d&rsquo;\u00e9pargne.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n<\/div>\n<\/div>\n\r\n\r\n\r\n<section id=\"res-btn-block_09f462abe81eb2907e852f68c2258346\" class=\"res-block res-btn alignfull py-4 \" style=\"couleur de fond : #eeeff6;\">\r\n  <div class=\"inner-container container-off  \" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t\t\t<style>\r\n\t\t\t#res-btn-block_09f462abe81eb2907e852f68c2258346 .res-btn-container-small { max-width: 850px;}\r\n\t\t<\/style>\r\n\t\r\n\t  \t   <div class=\"text text-left\"><h3>Tu as d&rsquo;autres questions ? Nous sommes \u00e0 ta disposition.<\/h3>\n<h4>Contacte-nous d\u00e8s maintenant ou commande tout de suite une offre d&rsquo;assurance pilier 3a sans engagement :<\/h4>\n<\/div>\r\n\t\t\r\n\t  \r\n\t  \r\n\t\t<div class=\"ausrichtung-btn text-left\">\r\n\r\n\t\t\t\t\t<a class=\"btn  btn-primaire \" href=\"https:\/\/onezone.ch\/vorsorge-saeule-3a\/#vorsorgeanfragen\" target=\"_blank\">Commander une offre d&#039;assurance pilier 3a<\/a>\r\n\t\t\t\t\t<a class=\"btn  btn-primaire \" href=\"https:\/\/onezone.ch\/lebensversicherung-kosten#beratung\" target=\"_self\">Demander des conseils de pr\u00e9voyance<\/a>\r\n\t\t\t\t<\/div>\r\n\t\t  \r\n\t  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n\r\n<section id=\"res-txt-block_500d12213ad803b7a7e15db5a76999f2\" class=\"res-block res-txt alignfull layout01 pt-4 \" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"conseil\" class=\"res-block res-link-anker py-4  link-anker-with-no-padding\" style=\"background : transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t\t\t<div class=\"py-2 shortocode-content\">\r\n\t\t\t<form method=\"post\" enctype=\"multipart\/form-data\" id=\"vfbp-form-99\" class=\"vfbp-form\"><div style=\"display:none;\"><label for=\"vfbp-EMAIL-AN8fuQyoDLXem\">Si vous \u00eates humain, laissez ce champ vide.<\/label><input size=\"25\" autocomplete=\"off\" type=\"text\" name=\"vfbp-EMAIL-AN8fuQyoDLXem\" value=\"\" id=\"\"><\/div><input type=\"hidden\" name=\"_vfb-timestamp-99\" value=\"1777625906\" id=\"\"><input type=\"hidden\" name=\"_vfb-form-id\" value=\"99\" id=\"\"><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\"><strong>Vorsorge-Beratung anfordern f\u00fcr<\/strong><\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2166\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-4 vfb-fieldType-select\" id=\"vfbField2163\"><label for=\"vfb-field-2163\" class=\"vfb-control-label\">Herr\/Frau\/Divers<\/label><div><div class=\"vfb-form-group\"><select id=\"vfb-field-2163\" class=\"vfb-form-control\" placeholder=\"\" name=\"vfb-field-2163\"><option value=\"Herr\">Herr<\/option><option value=\"Frau\">Frau<\/option><option value=\"Divers\">Divers<\/option><\/select><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2160\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2160\" class=\"vfb-control-label\">Name<\/label><div><input id=\"vfb-field-2160\" class=\"vfb-form-control\" placeholder=\"Name\" type=\"text\" name=\"vfb-field-2160\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2161\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2161\" class=\"vfb-control-label\">Vorname<\/label><div><input id=\"vfb-field-2161\" class=\"vfb-form-control\" placeholder=\"Vorname\" type=\"text\" name=\"vfb-field-2161\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-4 vfb-fieldType-date\" id=\"vfbField2159\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2159\" class=\"vfb-control-label\">Geburtsdatum<\/label><div><input id=\"vfb-field-2159\" class=\"vfb-form-control\" placeholder=\"Geburtsdatum\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-2159\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2164\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2164\" class=\"vfb-control-label\">Adresse: Strasse und Nr.<\/label><div><input id=\"vfb-field-2164\" class=\"vfb-form-control\" placeholder=\"Adresse: Strasse und Nr.\" type=\"text\" name=\"vfb-field-2164\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2165\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2165\" class=\"vfb-control-label\">Adresse: PLZ und Ort<\/label><div><input id=\"vfb-field-2165\" class=\"vfb-form-control\" placeholder=\"Adresse: PLZ und Ort\" type=\"text\" name=\"vfb-field-2165\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Teile uns mit, \u00fcber welche Themen du beraten werden m\u00f6chtest.<\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2154\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-checkbox\" id=\"vfbField2155\"><label for=\"vfb-field-2155\" class=\"vfb-control-label\"><\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[0]\" value=\"1\">Ich m\u00f6chte eine Risikopolice abschliessen (Erwerbsunf\u00e4higkeitsrente \/ Todesfallkapital)<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-1\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[1]\" value=\"1\">Ich m\u00f6chte eine Sparversicherung abschliessen<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-2\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[2]\" value=\"1\">Ich m\u00f6chte eine Police abschliessen, mit der ich sowohl Sparen, als auch Risiken versichern kann<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-3\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[3]\" value=\"1\">Ich weiss noch nicht, welche L\u00f6sung ich ben\u00f6tige und m\u00f6chte mich beraten lassen<\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Teile uns mit, wann und wie du die Beratung oder Kontaktaufnahme w\u00fcnschst.<\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2142\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-date\" id=\"vfbField2143\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2143\" class=\"vfb-control-label\">Datum <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2143\" class=\"vfb-form-control\" placeholder=\"gew&uuml;nschtes Datum f&uuml;r die Beratung\" required=\"required\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-2143\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-time\" id=\"vfbField2144\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2144\" class=\"vfb-control-label\">Zeit <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2144\" class=\"vfb-form-control vfb-clockpicker\" placeholder=\"gew&uuml;nschte Uhrzeit f&uuml;r die Beratung\" required=\"required\" data-donetext=\"Valider\" type=\"text\" name=\"vfb-field-2144\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Teile uns eine Alternative mit, wann und wie du die Beratung oder Kontaktaufnahme w\u00fcnschst. <\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2167\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-date\" id=\"vfbField2146\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2146\" class=\"vfb-control-label\">Datum <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2146\" class=\"vfb-form-control\" placeholder=\"gew&uuml;nschtes Datum f&uuml;r die Beratung\" required=\"required\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-2146\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-time\" id=\"vfbField2147\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2147\" class=\"vfb-control-label\">Zeit <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2147\" class=\"vfb-form-control vfb-clockpicker\" placeholder=\"gew&uuml;nschte Uhrzeit f&uuml;r die Beratung\" required=\"required\" data-donetext=\"Valider\" type=\"text\" name=\"vfb-field-2147\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-phone\" id=\"vfbField2148\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2148\" class=\"vfb-control-label\">D\u00fcrfen wir dich telefonisch beraten? Wenn ja, auf welcher Nummer?<\/label><div><input id=\"vfb-field-2148\" class=\"vfb-form-control vfb-intl-phone\" placeholder=\"D&uuml;rfen wir dich telefonisch beraten? Wenn ja, auf welcher Nummer?\" data-default-country=\"ch\" type=\"tel\" name=\"vfb-field-2148\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-email\" id=\"vfbField2149\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2149\" class=\"vfb-control-label\">Hinterlasse uns eine Email zur Best\u00e4tigung deines Termins. <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2149\" class=\"vfb-form-control\" placeholder=\"Hinterlasse uns eine Email zur Best&auml;tigung deines Termins.\" required=\"required\" type=\"email\" name=\"vfb-field-2149\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-textarea\" id=\"vfbField2152\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2152\" class=\"vfb-control-label\">Teile uns besondere w\u00fcnsche mit<\/label><div><textarea id=\"vfb-field-2152\" class=\"vfb-form-control\" placeholder=\"Teile uns besondere w&uuml;nsche mit: z.B. &quot;ich m&ouml;chte eine Beratung via Teams.&quot;\" rows=\"10\" name=\"vfb-field-2152\" cols=\"50\"><\/textarea><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-captcha\" id=\"vfbField2317\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2317\" class=\"vfb-control-label\">Captcha <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div><\/div><input type=\"hidden\" name=\"_vfb_captcha_simple_enabled\" value=\"1\" id=\"\"><input id=\"vfb-field-2317\" class=\"vfb-form-control form-count\" placeholder=\"\" required=\"required\" data-vfb-required=\"1\" data-vfb-type=\"integer\" data-vfb-minlength=\"2\" data-vfb-maxlength=\"2\" type=\"text\" name=\"_vfb_captcha_simple-99\" value=\"\"><span class=\"vfb-help-block\">For security verification, please enter any random two digit number. For example: 29<\/span><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-checkbox\" id=\"vfbField2324\"><label for=\"vfb-field-2324\" class=\"vfb-control-label\"> <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2324-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2324\" required=\"required\" type=\"checkbox\" name=\"vfb-field-2324[0]\" value=\"1\"><small>Ich akzeptiere die <a href=\"https:\/\/onezone.ch\/datenschutz\/\">Datenschutzbestimmungen<\/a>*<\/small><\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-submit\" id=\"vfbField2153\"><button id=\"vfb-field-2153\" class=\" btn btn-primary\" placeholder=\"\" type=\"submit\" name=\"_vfb-submit\">Senden<\/button><\/div><div class=\"vfb-clearfix\"><\/div><\/form>\t\t<\/div>\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[124,125],"class_list":["post-15474","post","type-post","status-publish","format-standard","hentry","category-prevoyance","tag-assurance-vie","tag-banque-ou-assurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banque ou assurance : co\u00fbts, avantages et inconv\u00e9nients<\/title>\n<meta name=\"description\" content=\"Le co\u00fbt de l&#039;assurance vie est souvent un sujet de conversation br\u00fblant. 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