{"id":11741,"date":"2022-11-29T08:30:08","date_gmt":"2022-11-29T13:30:08","guid":{"rendered":"https:\/\/www.eckler.ca\/?p=11741"},"modified":"2022-11-28T15:32:15","modified_gmt":"2022-11-28T20:32:15","slug":"pourquoi-lanalyse-des-donnees-est-elle-importante","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/pourquoi-lanalyse-des-donnees-est-elle-importante\/","title":{"rendered":"Pourquoi l\u2019analyse des donn\u00e9es est-elle importante?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #00425b;\"><strong><em>Perspectives TRR \u2013 <\/em>Novembre 2022<\/strong><\/span><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2>La meilleure fa\u00e7on de pr\u00e9parer l\u2019avenir est de faire de son mieux maintenant. Cela est particuli\u00e8rement vrai lorsqu\u2019il s\u2019agit de l\u2019achat de rentes. Les promoteurs de r\u00e9gime qui veulent acheter des rentes ont souvent tendance \u00e0 vouloir agir rapidement. Par cons\u00e9quent, le temps, les efforts et les co\u00fbts n\u00e9cessaires pour confirmer les donn\u00e9es et effectuer des v\u00e9rifications de l&#8217;\u00e9tat de sant\u00e9 peuvent ne pas \u00eatre per\u00e7us comme un exercice valable.<\/h2>\n<p style=\"text-align: left;\">Toutefois, l\u2019exp\u00e9rience montre que les promoteurs qui n\u2019ont pas analys\u00e9 les donn\u00e9es risquent de recevoir des propositions de primes qui ne sont pas optimales. S\u2019il n\u2019est pas certain de la qualit\u00e9 et de l\u2019exhaustivit\u00e9 des donn\u00e9es, l\u2019assureur aura tendance \u00e0 fixer la prime en se basant sur les pires hypoth\u00e8ses. Les hypoth\u00e8ses concernant les participants toujours vivants et les types d\u2019emplois, par exemple, auront une incidence marqu\u00e9e sur la prime.<\/p>\n<p>[\/vc_column_text][\/basic_container][basic_container container_size=&#8221;container container-narrow&#8221; text_align=&#8221;text-center&#8221;][vc_column_text]<\/p>\n<h3 style=\"text-align: left;\"><strong>Meilleures pratiques recommand\u00e9es par Eckler<\/strong><\/h3>\n<p style=\"text-align: left;\">Le co\u00fbt et l\u2019effort investis dans une analyse plus rigoureuse des donn\u00e9es avant l\u2019achat sont relativement faibles si on les compare aux \u00e9conomies g\u00e9n\u00e9ralement r\u00e9alis\u00e9es sur le co\u00fbt des primes. Pour obtenir le meilleur prix et \u00eatre en mesure d\u2019agir au moment appropri\u00e9, les promoteurs de r\u00e9gime qui veulent acheter des rentes doivent faire le maximum pour s\u2019assurer que les donn\u00e9es concernant les participants sont compl\u00e8tes et \u00e0 jour.<\/p>\n<p style=\"text-align: left;\">Le tableau ci-dessous d\u00e9crit certains types de donn\u00e9es qui doivent \u00eatre v\u00e9rifi\u00e9es ainsi que les r\u00e9percussions possibles sur les prix.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1669229750947{background-color: #d0e9e7 !important;}&#8221;]<\/p>\n<h4 style=\"text-align: center;\"><strong>V\u00e9rification des donn\u00e9es<\/strong><\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1669232279449{padding-left: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Participants au r\u00e9gime toujours vivants, notamment\u00a0:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1669239468589{padding-left: 25px !important;}&#8221;]<\/p>\n<ul>\n<li style=\"text-align: left;\">Retrait\u00e9s<\/li>\n<li style=\"text-align: left;\">Participants avec droits acquis diff\u00e9r\u00e9s<\/li>\n<li style=\"text-align: left;\">Survivants ayant droit \u00e0 des prestations de retraite<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1669231312117{background-color: #d0e9e7 !important;}&#8221;]<\/p>\n<h4 style=\"text-align: center;\"><strong>R\u00e9percussions sur les prix<\/strong><\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1669232292312{padding-bottom: 150px !important;padding-left: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Si les prestations sont moindres, les primes individuelles seront moindres.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1669229717334{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;border-left-color: #063d58 !important;border-right-color: #063d58 !important;border-top-color: #063d58 !important;border-bottom-color: #063d58 !important;border-radius: 1px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;#063d58&#8243;][vc_column_text css=&#8221;.vc_custom_1669232368204{padding-bottom: 0px !important;padding-left: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Les documents qui prouvent l\u2019\u00e2ge des retrait\u00e9s et des survivants se trouvent dans les dossiers et peuvent \u00eatre consult\u00e9s par voie \u00e9lectronique.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;#063d58&#8243;][vc_column_text css=&#8221;.vc_custom_1669239455987{padding-left: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Les frais de mise en \u0153uvre et d\u2019administration seront r\u00e9duits si les renseignements sur les participants peuvent \u00eatre obtenus rapidement.<\/p>\n<p style=\"text-align: left;\">Les changements de date de naissance d\u2019un grand nombre de participants peuvent avoir une incidence marqu\u00e9e sur la composante de mortalit\u00e9 de l\u2019ensemble du groupe. Si un promoteur de r\u00e9gime analyse les donn\u00e9es apr\u00e8s avoir fait une offre d\u2019achat, le nombre trop \u00e9lev\u00e9 de changements pourrait mener \u00e0 une r\u00e9vision de la prime sous de nouvelles conditions de march\u00e9.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1669229717334{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;border-left-color: #063d58 !important;border-right-color: #063d58 !important;border-top-color: #063d58 !important;border-bottom-color: #063d58 !important;border-radius: 1px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;#063d58&#8243;][vc_column_text css=&#8221;.vc_custom_1669239436048{padding-bottom: 0px !important;padding-left: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Les renseignements suivants sont disponibles pour chaque membre\u00a0:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1669239422133{padding-left: 25px !important;}&#8221;]<\/p>\n<ul>\n<li style=\"text-align: left;\">Titre ou type de poste au moment de la retraite ou du d\u00e9part<\/li>\n<li style=\"text-align: left;\">Salaire annuel et date de r\u00e9f\u00e9rence pertinente<\/li>\n<li style=\"text-align: left;\">Type d\u2019emploi et statut syndical<\/li>\n<li style=\"text-align: left;\">Province d\u2019emploi et province de r\u00e9sidence<\/li>\n<li style=\"text-align: left;\">Code postal du lieu de r\u00e9sidence<\/li>\n<li style=\"text-align: left;\">Plus haut niveau d\u2019\u00e9tudes (si ce renseignement est disponible)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;#063d58&#8243;][vc_column_text css=&#8221;.vc_custom_1669232401477{padding-left: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Ces renseignements permettent aux assureurs de mieux \u00e9valuer les profils de risques et de d\u00e9terminer avec plus de pr\u00e9cision l\u2019esp\u00e9rance de vie des groupes en se basant sur des hypoth\u00e8ses appropri\u00e9es. Les prix seront moindres pour les groupes ayant une esp\u00e9rance de vie plus courte.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]<div class=\"clearfix global-margin-y\"><\/div>[vc_separator color=&#8221;custom&#8221; accent_color=&#8221;#063d58&#8243;]<div class=\"clearfix global-margin-y\"><\/div>[vc_column_text]<\/p>\n<blockquote>\n<p style=\"text-align: left;\">Tous les promoteurs de r\u00e9gime veulent garantir la s\u00e9curit\u00e9 de la retraite de tous les participants. Eckler poursuit le m\u00eame objectif. Pour atteindre ce but, nous aidons nos clients \u00e0 obtenir les prix les plus concurrentiels pour les transactions de transfert des risques li\u00e9s aux r\u00e9gimes de retraite et \u00e0 simplifier la transition administrative. Une bonne analyse des donn\u00e9es est une \u00e9tape essentielle pour atteindre cet objectif.<\/p>\n<\/blockquote>\n<p>[\/vc_column_text]<div class=\"clearfix global-margin-y\"><\/div>[\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=&#8221;container-fluid&#8221;]\t<div class=\"row\">\n\t\t<div class=\"general-cta background-image-loading   gradient-background image \"  data-src=\"<149:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-450x150.jpg,<319:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-960x320.jpg,<479:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1440x480.jpg,<767:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg,<991:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1599x533.jpg,<1199:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg,<1399:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg,>1400:https:\/\/www.eckler.ca\/app\/uploads\/2019\/03\/f2651f63a14cdfed1bf612269da8668f0e87b5e2-1600x533.jpg\">\n\t\t\t\t\t\t\t<div class=\"general-cta-gradient-bg\"><\/div>\n\t\t\t\t\t\t<div class=\"general-cta-overlay overlay-light\"><\/div>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"general-cta-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"general-cta-content\">\n\t\t\t\t\t\t\t\t<h3 style=\"text-align: center;\"><strong>Pour parler avec l&#8217;un de nos experts en transfert de risques li\u00e9s aux pensions, cliquez sur le bouton ci-dessous.<\/strong><\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"general-cta-button\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.eckler.ca\/fr\/lets-talk\/\" target=\"\" class=\"btn btn-primary \" title=\"Parlons-En\">\n\t\t\t\t\t\t\t\t\tParlons-En\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n[\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=&#8221;container container-narrow&#8221; bg_type=&#8221;solid&#8221; bg_color=&#8221;bg-light&#8221;]<div class=\"clearfix global-margin-y\"><\/div>[vc_column_text]<span style=\"font-size: small;\">Cet article a \u00e9t\u00e9 pr\u00e9par\u00e9 \u00e0 des fins d\u2019information g\u00e9n\u00e9rale seulement et ne constitue pas des conseils professionnels. Les donn\u00e9es pr\u00e9sent\u00e9es dans cet article proviennent de tiers (collig\u00e9es surtout aupr\u00e8s des assureurs) et n\u2019ont pas \u00e9t\u00e9 contr\u00f4l\u00e9es, valid\u00e9es ou v\u00e9rifi\u00e9es de mani\u00e8re ind\u00e9pendante par Eckler. Eckler ne fait aucune repr\u00e9sentation ou garantie quant \u00e0 l\u2019exactitude de ces renseignements. Rien dans ce rapport ne doit \u00eatre consid\u00e9r\u00e9 comme un conseil de placement, un conseil juridique ou toute autre forme de conseil professionnel. Eckler ne peut \u00eatre tenue responsable des cons\u00e9quences de l\u2019utilisation des renseignements pr\u00e9sent\u00e9s dans ce rapport, sous quelque forme que ce soit, et n\u2019accepte aucune responsabilit\u00e9 en cas d\u2019erreurs, d\u2019inexactitudes ou d\u2019omissions.\u00a0<\/span>[\/vc_column_text]<div class=\"clearfix global-margin-y\"><\/div>[\/basic_container][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>La meilleure fa\u00e7on de pr\u00e9parer l\u2019avenir est de faire de son mieux maintenant. Cela est particuli\u00e8rement vrai lorsqu\u2019il s\u2019agit de l\u2019achat de rentes. Les promoteurs de r\u00e9gime qui veulent acheter &hellip; [&#8230;]<\/p>\n","protected":false},"author":3,"featured_media":2354,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[312],"tags":[367,255,253,256,304,305,306],"class_list":["post-11741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perspectives-trr","tag-conseil-actuariel","tag-consultation-en-regimes-de-retraite","tag-consultation-en-regimes-de-retraite-et-en-avantages-sociaux","tag-regimes-de-retraite-a-prestations-determinees","tag-retraites","tag-risque-lie-aux-pensions","tag-transfert-des-risques-lies-aux-regimes-de-retraite","service-defined-benefit-pension-consulting-fr","service-transfert-des-risques-lies-aux-regimes-de-retraite"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pourquoi l\u2019analyse des donn\u00e9es est-elle importante? - Eckler<\/title>\n<meta name=\"description\" content=\"La meilleure fa\u00e7on de pr\u00e9parer l\u2019avenir est de faire de son mieux maintenant. 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