什麼是修改後的養老保險？
什麼是修改後的養老保險？
 After June 21, 1988, a modified endowment (life insurance) contract (MEC) set new rules for single deposits into permanent cash value life insurance under TAMRA. After that date, a MEC cash values were treated like an annuity for income tax purposes, but death benefit proceeds (for most scenarios) remained tax free. A new seven pay test was introduced to restrict the over funding of premium in the early years of a policy. Any violations of this rule also creates a MEC.
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