{"id":9603,"date":"2021-11-16T10:18:11","date_gmt":"2021-11-16T09:18:11","guid":{"rendered":"https:\/\/pareto.be\/?p=9603"},"modified":"2025-02-20T14:29:51","modified_gmt":"2025-02-20T13:29:51","slug":"assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie","status":"publish","type":"post","link":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/","title":{"rendered":"Assurance-vie comme outil de planification patrimoniale: nouveaut\u00e9s fiscales 2022 (Wallonie)"},"content":{"rendered":"<p>Le d\u00e9cret wallon pour \u00abun imp\u00f4t plus juste\u00bb entrera, en principe, en vigueur d\u00e8s le 1<sup>er<\/sup> janvier 2022 avec son lot de nouveaut\u00e9s fiscales. Epinglons d\u00e9j\u00e0 trois \u00e9volutions li\u00e9es aux assurances-vie.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>1. Police AAB &amp; don d\u2019assurance <\/strong><\/p>\n<p>Lorsqu\u2019une personne souscrit une assurance sur sa propre t\u00eate au profit d\u2019un tiers (police AAB), ce dernier est redevable, au d\u00e9nouement de la police, de droits de succession sur les capitaux attribu\u00e9s par la compagnie.<\/p>\n<p>Il existe plusieurs mani\u00e8res d\u2019\u00e9viter cet imp\u00f4t successoral. Parmi celles-ci: le don d\u2019assurance. En effet, le souscripteur peut donner l\u2019ensemble de ses droits sur la police au b\u00e9n\u00e9ficiaire de celle-ci. Ceci permet de transformer, sur le plan juridique, une \u00abstipulation pour autrui\u00bb taxable aux droits de succession en une \u00abstipulation pour soi-m\u00eame\u00bb exon\u00e9r\u00e9e d\u2019imp\u00f4t.<\/p>\n<p>Sur base des informations en notre possession, la nouvelle l\u00e9gislation wallonne pr\u00e9voirait d\u00e9sormais que le don d\u2019assurance ne permettra plus cette transformation. Elle s\u2019\u00e9carterait ainsi de la position de l\u2019administration f\u00e9d\u00e9rale et se calquerait sur celle de l\u2019administration flamande. L\u00e9ger temp\u00e9rament: en cas d\u2019enregistrement du don d\u2019assurance aupr\u00e8s des autorit\u00e9s fiscales, la Wallonie admettrait que la base de calcul des droits de succession soit diminu\u00e9e du montant ayant servi de base au calcul des droits d\u2019enregistrement li\u00e9s \u00e0 la donation.<\/p>\n<p>Supposons qu\u2019il soit fait don d\u2019une assurance dont la valeur de rachat est de 500 et, qu\u2019au d\u00e9nouement de la police, le b\u00e9n\u00e9ficiaire recueille 600. Ce dernier supportera, si le don initial a \u00e9t\u00e9 enregistr\u00e9, un imp\u00f4t successoral sur la plus-value de 100 uniquement. Si le don n\u2019a pas \u00e9t\u00e9 enregistr\u00e9, le b\u00e9n\u00e9ficiaire sera redevable de droits de succession sur 600 et ce, m\u00eame si la donation a eu lieu plus de 3 ans avant le d\u00e9c\u00e8s (ce d\u00e9lai passera en principe \u00e0 5 ans au 1<sup>er<\/sup> janvier 2022).<\/p>\n<p>Au regard de cette \u00e9volution, il est prudent de s\u2019interroger:<\/p>\n<ul>\n<li>sur la mani\u00e8re dont cette \u00e9volution impactera les dons d\u2019assurance d\u00e9j\u00e0 r\u00e9alis\u00e9s et d\u2019envisager d\u2019\u00e9ventuels am\u00e9nagements pour b\u00e9n\u00e9ficier d\u2019une fiscalit\u00e9 plus avantageuse pour ceux-ci,<\/li>\n<li>sur les mani\u00e8res de restructurer, \u00e0 l\u2019avenir, des polices AAB pour \u00e9viter \u00e0 leurs b\u00e9n\u00e9ficiaires d\u2019\u00eatre redevables de droits de succession sur les capitaux assur\u00e9s.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>2. Co-souscription &amp; \u00ab<em>wait and see<\/em>\u00bb<\/strong><\/p>\n<p>En ce qui concerne les assurances-vie dites \u00abau dernier vivant\u00bb, la Wallonie devrait s\u2019\u00e9carter de la circulaire administrative du 7 janvier 2021 et adopter le principe du \u00ab<em>wait and see<\/em>\u00bb (d\u00e9j\u00e0 connu en Flandre).<\/p>\n<p>Sur cette base, au d\u00e9c\u00e8s du premier preneur, un imp\u00f4t successoral ne sera d\u00fb que lors de la sortie effective des fonds de la police (lors d\u2019un rachat pratiqu\u00e9 par le preneur survivant ou au d\u00e9nouement de la police) et ce, sous r\u00e9serve de certaines exceptions.<\/p>\n<p>Au regard de cette \u00e9volution, il est recommand\u00e9 d\u2019appr\u00e9cier notamment\u00a0:<\/p>\n<ul>\n<li>si les autorit\u00e9s fiscales wallonnes tenteront d\u2019appliquer ce principe aux polices pr\u00e9sentant les caract\u00e9ristiques d\u2019un contrat \u00e0 titre on\u00e9reux (\u00abaccroissement de droits du preneur\u00bb).<\/li>\n<li>la mani\u00e8re dont ce nouveau principe s\u2019articulera avec une donation par le preneur survivant de l\u2019ensemble de ses droits sur la police en faveur du b\u00e9n\u00e9ficiaire de celle-ci (donation cons\u00e9cutive au d\u00e9c\u00e8s du premier preneur).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>3. Police ABC &amp; moment d\u2019imposition <\/strong><\/p>\n<p>Lorsqu\u2019une personne (A) souscrit une assurance pr\u00e9voyant qu\u2019au d\u00e9c\u00e8s d\u2019une seconde personne (B) une troisi\u00e8me personne (C) recueillera les capitaux assur\u00e9s, cette derni\u00e8re est redevable de droits de succession sur les capitaux assur\u00e9s si A ne survit pas 3 ans \u00e0 B (prochainement 5 ans).<\/p>\n<p>En pratique, cette r\u00e8gle aboutit \u00e0 des situations d\u00e9licates car C peut ainsi \u00eatre tenu de payer des droits de succession sur un capital qu\u2019il n\u2019a pas encore per\u00e7u (si A d\u00e9c\u00e8de avant B). Pour y rem\u00e9dier, le gouvernement wallon entendrait faire co\u00efncider le moment de l\u2019imposition et celui de la perception effective des capitaux par le b\u00e9n\u00e9ficiaire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le d\u00e9cret wallon pour \u00abun imp\u00f4t plus juste\u00bb entrera, en principe, en vigueur d\u00e8s le 1er janvier 2022 avec son lot de nouveaut\u00e9s fiscales. Epinglons d\u00e9j\u00e0 trois \u00e9volutions li\u00e9es aux assurances-vie. &nbsp; 1. Police AAB &amp; don d\u2019assurance Lorsqu\u2019une personne souscrit une assurance sur sa propre t\u00eate au profit d\u2019un tiers (police AAB), ce dernier [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":13887,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":{"alternate_title":"Assurance-vie comme outil de planification patrimoniale: nouveaut\u00e9s fiscales 2022 (Wallonie)","introduction":"<p>Me Gr\u00e9gory Homans, associ\u00e9-g\u00e9rant du cabinet d\u2019avocats Dekeyser &amp; Associ\u00e9s (<a href=\"https:\/\/dekeyser-associes.com\/\">www.dekeyser-associes.com<\/a>), charg\u00e9 de cours \u00e0 l\u2019UCLouvain (UDA).<\/p>\n<p><em>Les d\u00e9veloppements ci-apr\u00e8s dressent un \u00e9tat du droit et de son interpr\u00e9tation au 12 novembre 2021.<\/em><\/p>\n<p>&nbsp;<\/p>\n"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance-vie : un outil de Planification Patrimoniale - Pareto<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les Nouveaut\u00e9s Fiscales qui entreront en vigueur le 1\/01\/2022 par rapport aux Assurances-Vie. Contactez Pareto, Family Office.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance-vie : un outil de Planification Patrimoniale - Pareto\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez les Nouveaut\u00e9s Fiscales qui entreront en vigueur le 1\/01\/2022 par rapport aux Assurances-Vie. Contactez Pareto, Family Office.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/\" \/>\n<meta property=\"og:site_name\" content=\"Pareto\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MyPareto\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-16T09:18:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-20T13:29:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pareto.be\/wp-content\/uploads\/2021\/11\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"audit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"audit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/\"},\"author\":{\"name\":\"audit\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#\\\/schema\\\/person\\\/8cadb86468ca951019b03e30c5f79f86\"},\"headline\":\"Assurance-vie comme outil de planification patrimoniale: nouveaut\u00e9s fiscales 2022 (Wallonie)\",\"datePublished\":\"2021-11-16T09:18:11+00:00\",\"dateModified\":\"2025-02-20T13:29:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/\"},\"wordCount\":730,\"publisher\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg\",\"articleSection\":[\"Non classifi\u00e9(e)\"],\"inLanguage\":\"fr-BE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/\",\"url\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/\",\"name\":\"Assurance-vie : un outil de Planification Patrimoniale - Pareto\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg\",\"datePublished\":\"2021-11-16T09:18:11+00:00\",\"dateModified\":\"2025-02-20T13:29:51+00:00\",\"description\":\"D\u00e9couvrez les Nouveaut\u00e9s Fiscales qui entreront en vigueur le 1\\\/01\\\/2022 par rapport aux Assurances-Vie. Contactez Pareto, Family Office.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#primaryimage\",\"url\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg\",\"contentUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg\",\"width\":1024,\"height\":683,\"caption\":\"Pareto vous informe sur les nouveaut\u00e9s fiscales concernant l\u2019assurance vie en 2022. (Wallonie)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/pareto.be\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Non classifi\u00e9(e)\",\"item\":\"https:\\\/\\\/pareto.be\\\/fr\\\/category\\\/non-classifiee\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance-vie comme outil de planification patrimoniale: nouveaut\u00e9s fiscales 2022 (Wallonie)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/pareto.be\\\/fr\\\/\",\"name\":\"Pareto\",\"description\":\"Planning for a better life\",\"publisher\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pareto.be\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-BE\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#organization\",\"name\":\"Pareto\",\"url\":\"https:\\\/\\\/pareto.be\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/logo-pareto.svg\",\"contentUrl\":\"https:\\\/\\\/pareto.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/logo-pareto.svg\",\"width\":130,\"height\":53,\"caption\":\"Pareto\"},\"image\":{\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MyPareto\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pareto-financial-partner\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/pareto.be\\\/fr\\\/#\\\/schema\\\/person\\\/8cadb86468ca951019b03e30c5f79f86\",\"name\":\"audit\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1e308c1f3b16eff8811850d973c5d2aea522fd3fff8e9ab773830ecd0423b5e0?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1e308c1f3b16eff8811850d973c5d2aea522fd3fff8e9ab773830ecd0423b5e0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1e308c1f3b16eff8811850d973c5d2aea522fd3fff8e9ab773830ecd0423b5e0?s=96&d=mm&r=g\",\"caption\":\"audit\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Assurance-vie : un outil de Planification Patrimoniale - Pareto","description":"D\u00e9couvrez les Nouveaut\u00e9s Fiscales qui entreront en vigueur le 1\/01\/2022 par rapport aux Assurances-Vie. Contactez Pareto, Family Office.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/","og_locale":"fr_FR","og_type":"article","og_title":"Assurance-vie : un outil de Planification Patrimoniale - Pareto","og_description":"D\u00e9couvrez les Nouveaut\u00e9s Fiscales qui entreront en vigueur le 1\/01\/2022 par rapport aux Assurances-Vie. Contactez Pareto, Family Office.","og_url":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/","og_site_name":"Pareto","article_publisher":"https:\/\/www.facebook.com\/MyPareto","article_published_time":"2021-11-16T09:18:11+00:00","article_modified_time":"2025-02-20T13:29:51+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/11\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg","type":"image\/jpeg"}],"author":"audit","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"audit","Dur\u00e9e de lecture est.":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#article","isPartOf":{"@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/"},"author":{"name":"audit","@id":"https:\/\/pareto.be\/fr\/#\/schema\/person\/8cadb86468ca951019b03e30c5f79f86"},"headline":"Assurance-vie comme outil de planification patrimoniale: nouveaut\u00e9s fiscales 2022 (Wallonie)","datePublished":"2021-11-16T09:18:11+00:00","dateModified":"2025-02-20T13:29:51+00:00","mainEntityOfPage":{"@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/"},"wordCount":730,"publisher":{"@id":"https:\/\/pareto.be\/fr\/#organization"},"image":{"@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#primaryimage"},"thumbnailUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/11\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg","articleSection":["Non classifi\u00e9(e)"],"inLanguage":"fr-BE"},{"@type":"WebPage","@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/","url":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/","name":"Assurance-vie : un outil de Planification Patrimoniale - Pareto","isPartOf":{"@id":"https:\/\/pareto.be\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#primaryimage"},"image":{"@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#primaryimage"},"thumbnailUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/11\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg","datePublished":"2021-11-16T09:18:11+00:00","dateModified":"2025-02-20T13:29:51+00:00","description":"D\u00e9couvrez les Nouveaut\u00e9s Fiscales qui entreront en vigueur le 1\/01\/2022 par rapport aux Assurances-Vie. Contactez Pareto, Family Office.","breadcrumb":{"@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#breadcrumb"},"inLanguage":"fr-BE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/"]}]},{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#primaryimage","url":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/11\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg","contentUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/11\/assurance-vie-outil-planification-patrimoniale-wallonie.jpeg","width":1024,"height":683,"caption":"Pareto vous informe sur les nouveaut\u00e9s fiscales concernant l\u2019assurance vie en 2022. (Wallonie)"},{"@type":"BreadcrumbList","@id":"https:\/\/pareto.be\/fr\/assurance-vie-comme-outil-de-planification-patrimoniale-nouveautes-fiscales-2022-wallonie\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/pareto.be\/fr\/"},{"@type":"ListItem","position":2,"name":"Non classifi\u00e9(e)","item":"https:\/\/pareto.be\/fr\/category\/non-classifiee\/"},{"@type":"ListItem","position":3,"name":"Assurance-vie comme outil de planification patrimoniale: nouveaut\u00e9s fiscales 2022 (Wallonie)"}]},{"@type":"WebSite","@id":"https:\/\/pareto.be\/fr\/#website","url":"https:\/\/pareto.be\/fr\/","name":"Pareto","description":"Planning for a better life","publisher":{"@id":"https:\/\/pareto.be\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pareto.be\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-BE"},{"@type":"Organization","@id":"https:\/\/pareto.be\/fr\/#organization","name":"Pareto","url":"https:\/\/pareto.be\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/pareto.be\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/03\/logo-pareto.svg","contentUrl":"https:\/\/pareto.be\/wp-content\/uploads\/2021\/03\/logo-pareto.svg","width":130,"height":53,"caption":"Pareto"},"image":{"@id":"https:\/\/pareto.be\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MyPareto","https:\/\/www.linkedin.com\/company\/pareto-financial-partner\/"]},{"@type":"Person","@id":"https:\/\/pareto.be\/fr\/#\/schema\/person\/8cadb86468ca951019b03e30c5f79f86","name":"audit","image":{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/secure.gravatar.com\/avatar\/1e308c1f3b16eff8811850d973c5d2aea522fd3fff8e9ab773830ecd0423b5e0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e308c1f3b16eff8811850d973c5d2aea522fd3fff8e9ab773830ecd0423b5e0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1e308c1f3b16eff8811850d973c5d2aea522fd3fff8e9ab773830ecd0423b5e0?s=96&d=mm&r=g","caption":"audit"}}]}},"_links":{"self":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/posts\/9603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/comments?post=9603"}],"version-history":[{"count":0,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/posts\/9603\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/media\/13887"}],"wp:attachment":[{"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/media?parent=9603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/categories?post=9603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pareto.be\/fr\/wp-json\/wp\/v2\/tags?post=9603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}