受取りにかかる税金 給付について 確定拠出年金 東京海上日動火災保険 from 401k.tokiomarine-nichido.co.jp
Introduction
If you are planning to receive payouts from 積立 保険 (tsumitate hoken), it is crucial to understand the tax implications associated with it. 積立 保険 is a type of life insurance policy that allows policyholders to make periodic payments over the policy's term, with the aim of accumulating a lump sum payout at the end of the policy term.
What is 積立 保険?
積立 保険 is a popular type of life insurance policy in Japan that combines insurance coverage with savings. Policyholders make regular premium payments over a specified period, and the policy accumulates cash value over time. At the end of the policy term, policyholders receive a lump sum payout that includes both the insurance coverage and the accumulated cash value.
How is 積立 保険 taxed?
The tax treatment of 積立 保険 payouts depends on various factors, such as the policy's terms and the policyholder's tax status. Generally, the payout is subject to income tax, but the tax rate depends on the policyholder's tax bracket. Additionally, policyholders may be subject to inheritance tax if the payout is received after the policyholder's death.
Can 積立 保険 payouts be tax-exempt?
In some cases, 積立 保険 payouts may be tax-exempt. For example, if the policyholder has held the policy for more than ten years, the payout may be exempt from income tax. Additionally, if the policyholder is over 60 years old and has held the policy for more than five years, they may be eligible for a tax deduction.
How to minimize tax on 積立 保険 payouts?
There are several strategies that policyholders can use to minimize tax on 積立 保険 payouts. One strategy is to spread the payout over several years to reduce the tax burden in any given year. Additionally, policyholders can consider transferring the policy to a family member or a trust to reduce their tax liability.
What are the penalties for early termination of 積立 保険?
If policyholders terminate their 積立 保険 policy before the end of the policy term, they may be subject to penalties. The penalties may include surrender charges, which can be a percentage of the cash value of the policy, and tax penalties, which can be a percentage of the payout.
Conclusion
積立 保険 is a useful financial tool that can provide insurance coverage and savings. However, policyholders must be aware of the tax implications associated with receiving payouts from the policy. By understanding the tax treatment of 積立 保険 payouts, policyholders can minimize their tax liability and maximize the benefits of the policy.
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