什麼是人壽保險股息？
什麼是人壽保險股息？
 By IRS definition Life Insurance Dividends are considered a return of "unused premium" and not subject to income tax as they have already been taxed going in as premium. Mutual companies pay dividends to policyholders as they have no stockholders as owners of the company. The permanent policyholders (not term, not universal life policyholders) are considered the owners of the company and dividends are applied to their whole life policies. A dividend for a mutual life insurance company is a combination of investment return, positive mortality experience (fewer deaths than expected) and operating expense savings and what is held as surplus by the company. Money beyond what the company needs or projects is returned to whole life policyholders in that form of a dividend. The surplus is what protects the company if for some reason they goof. Most mutual companies have been paying dividends consistently for more than a century.
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