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Data:2009-12-12 2:34
China from November 1, 1999 has begun to collect interest tax, interest income, 20% had to be imposed as a tax. To buy insurance, the insurance beneficiary in obtaining insurance payments often do not pay taxes. Therefore, it is insurance companies launched a similar type of savings bank deposits, insurance products, this product can indeed avoid the interest tax.
Savings-type insurance to purchase insurance products, to provide for personal safety, it is also a kind of investment. As an investment, insurance, banks will levy can avoid the personal interest income, with great advantages. Moreover, in addition to the long-term life insurance products and other insurance claims payments are not taxes. The Chinese insurance industry has been a scheduled interest rate issue, the scheduled return of the premium rate will be paid to the insured when, while domestic insurance, interest rates and bank interest rate target is very close.
Today, China has not yet began to levy inheritance tax, but it is a trend of development. If you start to levy inheritance tax, insurance is also a way to avoid inheritance tax. In Western developed countries, are generally required to collect inheritance tax. So many people in order to tax evasion has taken many forms, such as in trust for the purchase of high life way. Many people choose to buy insurance, will determine the beneficiaries of their heirs.
From the perspective of social security, national health insurance system will face a major reform, insurance, tax-avoidance features will be more and more acceptance. At present, the insurance company introduced the nature of insurance products with tax evasion and reasonable utilization of the national policy, is not illegal.
