{"id":1566,"date":"2024-04-29T12:43:17","date_gmt":"2024-04-29T12:43:17","guid":{"rendered":"https:\/\/viager20.com\/wordpress\/?page_id=1566"},"modified":"2025-12-18T16:51:52","modified_gmt":"2025-12-18T14:51:52","slug":"tables-de-mortalite-esperance-vie","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/tables-de-mortalite-esperance-vie\/","title":{"rendered":"Tables de mortalit\u00e9"},"content":{"rendered":"\n

Principe V : Les tables de mortalit\u00e9, qu’elles soient officielles ou certifi\u00e9es, doivent refl\u00e9ter l’esp\u00e9rance de vie d’un cr\u00e9direntier.<\/h3>\n\n\n\n

Le choix de la table de mortalit\u00e9 est essentiel pour appr\u00e9cier correctement l’esp\u00e9rance de vie du cr\u00e9direntier.<\/p>\n\n\n\n

Commen\u00e7ons par les choses \u00e0 proscrire<\/strong>. Certains viag\u00e9ristes pr\u00e9tendent construire des tables de mortalit\u00e9 \u00e0 partir de leurs transactions. Il faut s’en m\u00e9fier ! Il faut des comp\u00e9tences actuarielles av\u00e9r\u00e9es et des dizaines de milliers d’observations pour construire des tables fiables. Or, les transactions viag\u00e8res se comptent en milliers par an …<\/p>\n\n\n\n

\n

Les d\u00e9birentiers s’inqui\u00e8tent souvent d’une surestimation de la mortalit\u00e9 dans les tables officielles. Ils n’ont pas tort, mais cela d\u00e9pend des tables choisies. En effet, il existe plusieurs types de tables de mortalit\u00e9 :<\/p>\n\n\n\n

1. Les tables de moment<\/strong><\/em>, comme la Table INSEE 2019, \u00a0refl\u00e8tent la mortalit\u00e9 des trois derni\u00e8res ann\u00e9es. Si elles mesurent la mortalit\u00e9 actuelle<\/em>, disons des octog\u00e9naires, elles ne pr\u00e9voient pas la mortalit\u00e9 future<\/em> \u00e0 85 ans des sexag\u00e9naires actuels. Comme la mortalit\u00e9 baisse tendanciellement, ces tables sous-estiment l’esp\u00e9rance de vie au grand \u00e2ge. C’est g\u00eanant pour un viager !<\/p>\n\n\n\n

2. \u00c0 l’inverse, les tables g\u00e9n\u00e9rationnelles<\/em><\/strong> extrapolent la baisse tendancielle de la mortalit\u00e9 et sont donc mieux adapt\u00e9es pour \u00e9valuer les viagers.<\/p>\n\n\n\n

Bien qu’un peu anciennes, on privil\u00e9giera les<\/strong> Tables TGH05-TGF05<\/a>, construites par les assureurs \u00e0 partir d’une population de rentiers\u00a0d\u00e9mographiquement proche de celle des cr\u00e9direntiers. Comme un vendeur en viager, l’acheteur d’une rente se sait en bonne sant\u00e9. Son esp\u00e9rance de vie d\u00e9passe donc celle de l’ensemble de la population.<\/p>\n\n\n\n

\"\"<\/figure>
\n

L’\u00e9cart d’esp\u00e9rance de vie entre les tables INSEE 2019 et TGH05-TGF05 peut d\u00e9passer 6 ans.\u00a0Cela influe sur les risques financiers<\/a> \u00a0li\u00e9s aux transactions viag\u00e8res.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n

<\/div>\n\n\n\n

Acheteurs et vendeurs doivent s’interroger sur la pertinence d’une table de mortalit\u00e9, toujours impr\u00e9cise au grand \u00e2ge.
 \u00c0 l’instar des assureurs pour les rentes viag\u00e8res, il est conseill\u00e9 de privil\u00e9gier l’utilisation des tables TGH05-TGF05.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Principe V : Les tables de mortalit\u00e9, qu’elles soient officielles ou certifi\u00e9es, doivent refl\u00e9ter l’esp\u00e9rance de vie d’un cr\u00e9direntier. Le choix de la table de mortalit\u00e9 est essentiel pour appr\u00e9cier …<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"footnotes":""},"class_list":["post-1566","page","type-page","status-publish","hentry"],"yoast_head":"\nTable de mortalit\u00e9 et esp\u00e9rance de vie du cr\u00e9direntier<\/title>\n<meta name=\"description\" content=\"Seules les table de mortalit\u00e9 g\u00e9n\u00e9rationnelles, comme les tables TGH05-TGF05, estiment correctement l'esp\u00e9rance de vie du cr\u00e9direntier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/viager20.com\/index.php\/tables-de-mortalite-esperance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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