Tratamiento FiscalPregunta 709 de 716
When death proceeds are left with the insurer and paid to the beneficiary in installments, the portion that is taxable is the:
a.The entire installment, principal and interest
b.Neither the principal nor the credited interest
c.Only the return of the principal death benefit
d.Interest earned on the retained proceeds
Explicación
The death benefit principal remains income-tax-free, but any interest the insurer credits on proceeds it holds under a settlement option is taxable. Only that interest, not the principal, is taxed.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)