deux grandes options s’offrent en assurance vie. En voici les grandes lignes, les garanties pouvant varier d’un contrat à l’autre.

L’assurance vie temporaire propose un capital assuré pour une durée précise et préétablie. La protection peut couvrir 1, 10, 15, 20, 25, 30 ans et même 100 ans. Pour sa part, l’assurance vie entière ou permanente garantit une protection à vie tant et aussi longtemps que les primes d’assurance seront acquittées. On parle, ici, d’une protection viagère. Les primes sont généralement garanties et fixes ou nivelées.

Vous le devinez, pour le même capital assuré, les primes sont plus basses dans le cas d’une temporaire. Elles peuvent être au moins 5 fois plus élevées dans le cas d’une permanente. En revanche, pour la temporaire, elles augmentent normalement à chaque renouvellement. En fonction de l’âge, plus il y a de renouvellements, plus ce différentiel s’estompe. Il peut même s’inverser à long terme. À préciser que ce renouvellement se fait en tenant compte de l’âge, et non pas de l’état de santé.

Manner of thing

• What manner of thing was upon me I did not know, but that it was large and heavy and many-legged I could feel.
• My hands were at its throat before the fangs had a chance to bury themselves in my neck, and slowly
• I forced the hairy face from me and closed my fingers, vise-like, upon its windpipe.

Without sound we lay there, the beast exerting every effort to reach me with those awful fangs, and I straining to maintain my grip and choke the life from it as I kept it from my throat. Slowly my arms gave to the unequal struggle, and inch by inch the burning eyes and gleaming tusks of my antagonist crept toward me, until, as the hairy face touched mine again.

By the light of the now brilliant moons I saw that he was but a shadow of his former self, and as he turned from my caress and commenced greedily to devour the dead carcass at my feet I realized that the poor fellow was more than half starved. I, myself, was in but little better plight but I could not bring myself to eat the uncooked flesh and I had no means of making a fire. When Woola had finished his meal I again took up my weary and seemingly endless wandering in quest of the elusive waterway.

What manner of thing was upon me I did not know, but that it was large and heavy and many-legged I could feel. My hands were at its throat before the fangs had a chance to bury themselves in my neck, and slowly I forced the hairy face from me and closed my fingers, vise-like, upon its windpipe.

At daybreak of the fifteenth day of my search

John Lusco

For two days I waited there for Kantos Kan, but as he did not come I started off on foot in a northwesterly direction toward a point where he had told me lay the nearest waterway. My only food consisted of vegetable milk from the plants which gave so bounteously of this priceless fluid.

Let’s test some lists

• Several times I was attacked by wild beasts; strange, uncouth monstrosities that leaped upon me in the dark, so that I had ever to grasp my long-sword in my hand that I might be ready for them.
• Usually my strange, newly acquired telepathic power warned me in ample time, but once
• I was down with vicious fangs at my jugular and a hairy face pressed close to mine before I knew that I was even threatened.

The nearer moon, hurtling suddenly above the horizon and lighting up the Barsoomian scene, showed me that my preserver was Woola, but from whence he had come, or how found me, I was at a loss to know. That I was glad of his companionship it is needless to say, but my pleasure at seeing him was tempered by anxiety as to the reason of his leaving Dejah Thoris. Only her death I felt sure, could account for his absence from her, so faithful I knew him to be to my commands.

1. Without sound we lay there, the beast exerting every effort to reach me with those awful fangs, and
2. I straining to maintain my grip and choke the life from it as I kept it from my throat.
3. Slowly my arms gave to the unequal struggle, and inch by inch the burning eyes and gleaming tusks of my antagonist crept toward me, until, as the hairy face touched mine again,
4. I realized that all was over. And then a living mass of destruction sprang from the surrounding darkness full upon the creature that held me pinioned to the ground.
5. The two rolled growling upon the moss, tearing and rending one another in a frightful manner, but it was soon over and my preserver stood with lowered head above the throat of the dead thing which would have killed me.

I could find no bell or other method of making my presence known to the inmates of the place, unless a small round role in the wall near the door was for that purpose. It was of about the bigness of a lead pencil and thinking that it might be in the nature of a speaking tube I put my mouth to it and was about to call into it when a voice issued from it asking me whom I might be, where from, and the nature of my errand.

By the light of the now brilliant moons I saw that he was but a shadow of his former self, and as he turned from my caress and commenced greedily to devour the dead carcass at my feet I realized that the poor fellow was more than half starved. I, myself, was in but little better plight but I could not bring myself to eat the uncooked flesh and I had no means of making a fire. When Woola had finished his meal I again took up my weary and seemingly endless wandering in quest of the elusive waterway.

At daybreak of the fifteenth day of my search I was overjoyed to see the high trees that denoted the object of my search. About noon I dragged myself wearily to the portals of a huge building which covered perhaps four square miles and towered two hundred feet in the air. It showed no aperture in the mighty walls other than the tiny door at which I sank exhausted, nor was there any sign of life about it.

This will be bigger (and boxed)

I could find no bell or other method of making my presence known to the inmates of the place, unless a small round role in the wall near the door was for that purpose. It was of about the bigness of a lead pencil and thinking that it might be in the nature of a speaking tube I put my mouth to it and was about to call into it when a voice issued from it asking me whom I might be, where from, and the nature of my errand.

About noon I dragged myself wearily to the portals of a huge building which covered perhaps four square miles and towered two hundred feet in the air. It showed no aperture in the mighty walls other than the tiny door at which I sank exhausted, nor was there any sign of life about it.

I could find no bell or other method of making my presence known to the inmates of the place, unless a small round role in the wall near the door was for that purpose. It was of about the bigness of a lead pencil and thinking that it might be in the nature of a speaking tube I put my mouth to it and was about to call into it when a voice issued from it asking me whom I might be, where from, and the nature of my errand.