什麼是成熟的人壽保險？
什麼是成熟的人壽保險？
 A life insurance policy matures when it pays out a death benefit on policies that have no stated maturity date. Otherwise, the policy will indicate a maturity date which, on many whole life policies, may be age 95, 98, 100, 120, etc. The issue with a policy that matures while the insured is still alive is that the maturity benefit will be taxable as the cash is constructively received at that point. Many policies in recent years have maturity extension riders or policy provisions which can extend maturity to prevent such an unwelcome situation so check your policy. Death benefits are normally received income tax-free but a living maturity is income taxable to the extent of gain in the contract to the policy-owner. If maturity is approaching and such riders are not present, insurers have been known to agree, upon request, to continue the policy extra-contractually. Contact an experienced life insurance professional for assistance.
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