{"id":116308,"date":"2018-05-17T15:28:52","date_gmt":"2018-05-17T14:28:52","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=116308"},"modified":"2018-05-17T15:28:52","modified_gmt":"2018-05-17T14:28:52","slug":"une-nouvelle-convention-entre-laptbef-et-la-ftusa-relative-a-lassurance-vie","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/une-nouvelle-convention-entre-laptbef-et-la-ftusa-relative-a-lassurance-vie\/","title":{"rendered":"Une nouvelle convention entre l\u2019APTBEF et la FTUSA relative \u00e0 l\u2019assurance-vie"},"content":{"rendered":"<p>L\u2019Association Professionnelle Tunisienne des Banques et des Etablissements Financiers (APTBEF) et la F\u00e9d\u00e9ration Tunisienne des Soci\u00e9t\u00e9s d\u2019Assurances (FTUSA) ont sign\u00e9 le 15 mai 2018 une nouvelle convention portant sur le cr\u00e9dit d\u2019assurance-vie dont l\u2019objectif est de mettre en place une r\u00e9elle coordination entre les banques et les assureurs en ce qui concerne l\u2019application des contrats d\u2019assurance-vie sur cr\u00e9dit pour supprimer les quelques carences qui subsistaient jusqu\u2019\u00e0 pr\u00e9sent.<br \/>\nCette convention de grande importance traitant d\u2019un domaine tr\u00e8s sensible vise en effet \u00e0 r\u00e9soudre une d\u00e9faillance majeure observ\u00e9e au niveau de l\u2019application des contrats d\u2019assurance-vie sur un cr\u00e9dit. Concr\u00e8tement et en cas de d\u00e9c\u00e8s de l\u2019assur\u00e9, la compagnie d\u2019assurances est tenue de prendre en charge le reste indu ou impay\u00e9 de l\u2019assur\u00e9. Cependant et dans plusieurs cas, il a \u00e9t\u00e9 constat\u00e9 un certain d\u00e9calage entre le contrat d\u2019assurance-vie et la dur\u00e9e d\u2019un cr\u00e9dit d\u00fb au manque de coordination entre la compagnie d\u2019assurances et la banque. Il s\u2019agit par exemple de la p\u00e9riode de gr\u00e2ce accord\u00e9e sur certains pr\u00eats, tandis que le contrat d\u2019assurance est mis en application d\u00e8s le d\u00e9boursement du pr\u00eat. Ce qui fait que cette p\u00e9riode de gr\u00e2ce n\u2019est pas incluse dans le contrat d\u2019assurance. Cons\u00e9quence\u00a0: les h\u00e9ritiers se trouvent souvent contraints de supporter le reste indu de l\u2019assur\u00e9.<br \/>\nAhmed El Karm, pr\u00e9sident de l\u2019APTBEF, a soulign\u00e9, lors de la c\u00e9r\u00e9monie de signature, l\u2019importance de cette nouvelle convention qui va permettre \u00ab\u00a0<em>d\u2019asseoir les bases progressives d\u2019une vraie bancassurance dans notre espace financier tunisien\u00a0<\/em>\u00bb a-t-il indiqu\u00e9. \u00ab\u00a0<em>Cela va aider les diff\u00e9rentes parties \u00e0 travailler avec un maximum d\u2019efficacit\u00e9, tout en minimisant drastiquement les conflits entre les \u00e9tablissements financiers et leurs clients\u00a0<\/em>\u00bb a-t-il ajout\u00e9.<br \/>\nDe son c\u00f4t\u00e9, Lassa\u00e2d Zarrouk, pr\u00e9sident de la FTUSA, a expliqu\u00e9 que le principal souci des compagnies d\u2019assurance \u00e9taient de r\u00e9duire au maximum les probl\u00e8mes rencontr\u00e9s lors de l\u2019application des contrats d\u2019assurance-vie. \u00ab\u00a0<em>Cette convention a essentiellement pour but d\u2019am\u00e9liorer les services et les prestations au profit des souscripteurs d\u2019assurance-vie engag\u00e9 dans des cr\u00e9dits<\/em>\u00a0\u00bb a encore pr\u00e9cis\u00e9 Zarrouk.<br \/>\nParmi les points importants de la convention, la d\u00e9cision de cr\u00e9er une commission de r\u00e9conciliation dans le but de r\u00e9soudre tous les conflits \u00e0 travers le dialogue et l\u2019entente.<br \/>\nCette convention permettra donc la mise en place de synergies compl\u00e9mentaires entre les deux secteurs des assurances et des banques et ouvrira la voie \u00e0 la mise en place d\u2019un partenariat entre les deux institutions en tant que mobilisateurs institutionnels de l\u2019\u00e9pargne.<br \/>\nLes deux parties signataires ont soulign\u00e9 toute l\u2019importance qu\u2019elles accordent \u00e0 l\u2019\u00e9tablissement d\u2019une coordination et d\u2019une coop\u00e9ration rapproch\u00e9e afin de r\u00e9soudre les probl\u00e8mes pouvant survenir.<br \/>\nHafedh Gharbi, pr\u00e9sident du Comit\u00e9 g\u00e9n\u00e9ral des assurances, a tenu pour sa part \u00e0 \u00ab <em>saluer cette initiative qui va r\u00e9soudre plusieurs carences dans l\u2019application des contrats d\u2019assurance-vie<\/em>\u00bb qui font l\u2019objet de nombreuses r\u00e9clamations de la part des clients concern\u00e9s.<br \/>\nUne formation assur\u00e9e par la FTUSA au profit des professionnels des banques a \u00e9t\u00e9 d\u00e9cid\u00e9e en vue de permettre aux parties concern\u00e9es de travailler avec plus d\u2019efficacit\u00e9.<br \/>\nIl est \u00e0 noter que l\u2019assurance-vie constitue actuellement 20% du portefeuille des compagnies d\u2019assurances et qu\u2019elle constitue l\u2019un des moteurs de financement de l\u2019investissement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Association Professionnelle Tunisienne des Banques et des Etablissements Financiers (APTBEF) et la F\u00e9d\u00e9ration Tunisienne des Soci\u00e9t\u00e9s d\u2019Assurances (FTUSA) ont sign\u00e9 le 15 mai 2018 une nouvelle convention portant sur le&hellip;<\/p>\n","protected":false},"author":60,"featured_media":116309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-116308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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