你可以從全人壽保險政策中提取資金嗎？
你可以從全人壽保險政策中提取資金嗎？
 Participating whole life accumulates cash values. The question has aninherent policyprovision that may have tax ramifications, the word "withdrawal." Withdrawalgenerallyrefers to accessing basis. Participatingwhole life distributes dividends. Dividends are a return of unused premium. Withdrawing your dividends up to basis should be tax free and with no policy charges. If you need to accesscashvalues beyond basis, you need to takeinterestchargingpolicy loans, which are tax free, as long as the policy is kept in force for the life of the insured, Thepolicyloans onparticipatingwhole life insurance are spread loans or direct recognition loans. Consult your tax adviser and insurance professional before moving forward with withdrawals.
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