税务处理第 711 / 716 题
The cash value inside a permanent life insurance policy grows:
a.Taxable to the owner as ordinary income each year
b.Tax-free forever, even if the policy is later surrendered
c.As a long-term capital gain reported annually to the IRS
d.Tax-deferred while the policy remains in force
解析
Cash value accumulates tax-deferred as long as the policy stays in force; it is not taxed annually. Gains can become taxable if the policy is surrendered for more than its basis.
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同考点相关题目
- The general rule that life insurance death proceeds are income-tax-free can be lost under the 'transfer-for-value' rule when the policy is:
- When death proceeds are left with the insurer and paid to the beneficiary in installments, the portion that is taxable is the:
- Premiums paid for personal life insurance are:
- Life insurance proceeds may be pulled into the insured's taxable estate if, at death, the insured held:
- Required minimum distributions (RMDs) generally force the owner of a traditional qualified plan to begin taking taxable distributions:
- Premiums a business pays for key person life insurance are:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)