你如何支付人壽保險？
你如何支付人壽保險？
 There is really only a couple of situations when life insurance is taxable. If the death benefits go to a proper beneficiary such as a person, organization or business, they will be tax free. If the cash value is "borrowed" from a cash value life insurance policy, it too is tax free. The first taxable situation on death proceeds is if the beneficiary is the estate, this can trigger taxation. Be sure this is not the case. The second taxable situation is with the cash value of a policy that is allowed to lapse or surrendered, which is life insurance speak for cancelled. In these cases the excess gains would be subject to ordinary income taxes. I highly recommend talking over options with your agent, advisor or insurance carrier before making a costly decision.
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