生命保険（死亡保険）の保険金を請求する方法【必要書類＋期限を解説】 from gyousei-oishi.net
Introduction
If you're living in Japan, it's important to understand the different types of insurance available to you. Two of the most important types of insurance are life insurance and death insurance. In this article, we'll explain what you need to know about these types of insurance and how to properly declare them on your 確定 申告 (kakutei shinkoku) or final tax return.
What is Life Insurance?
Life insurance is a type of insurance policy that pays out a sum of money to your beneficiaries after your death. This money can be used to cover funeral expenses, pay off debts, or simply provide for your loved ones. In Japan, life insurance policies are typically offered by insurance companies and are paid for through monthly or annual premiums.
Types of Life Insurance in Japan
There are two main types of life insurance in Japan: term life insurance and whole life insurance. Term life insurance provides coverage for a specific period of time, typically 10, 20, or 30 years. Whole life insurance, on the other hand, provides coverage for your entire lifetime and often includes a savings component.
What is Death Insurance?
Death insurance, also known as accidental death and dismemberment insurance, provides coverage in the event of accidental death or dismemberment. This type of insurance is typically offered as a rider on a life insurance policy or as a separate policy altogether.
What Does Death Insurance Cover?
Death insurance typically provides a lump sum payment to your beneficiaries in the event of accidental death or dismemberment. The amount of coverage and the specific events covered will vary depending on the policy.
確定 申告 and Insurance
In Japan, all income earned during the year must be declared on your 確定 申告 or final tax return. This includes any income earned from life insurance policies or death insurance policies. When declaring your insurance policies on your 確定 申告, it's important to understand the tax implications of each type of policy.
Tax Implications of Life Insurance
In Japan, the premiums paid on a life insurance policy are tax deductible up to a certain amount. Additionally, any payouts received from a life insurance policy are generally tax-free.
Tax Implications of Death Insurance
Unlike life insurance, the premiums paid on a death insurance policy are not tax deductible. However, any payouts received from a death insurance policy are generally tax-free.
Conclusion
While life insurance and death insurance may not be the most exciting topics, they are important to understand for anyone living in Japan. By properly declaring your insurance policies on your 確定 申告, you can ensure that you're taking advantage of all available tax deductions and avoiding any potential issues with the tax authorities. If you're unsure about how to declare your insurance policies on your 確定 申告, be sure to consult with a tax professional or financial advisor.
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