are life insurance benefits considered taxable income?

Posted on Jun 27, 2008 under Insurance Information |

656 Responses to “are life insurance benefits considered taxable income?”

  1. rockinpacker Says:

    YOu should really talk to a Financial advisior or tax accountant….
    depends on what kind it is and how it was established ect…,

  2. What I know: Death benefits are not taxable IF you never claimed a deduction on the premiums you paid. If you deducted 1 cent from 1 premium payment, you will have to pay taxes on the entire death benefit.

    Better check with an accountant to be sure.

  3. Life insurance proceeds are income tax free. However, if it is owned by the deceased, then it is includable in the estates of the deceased and it will be subject to the estate tax.

  4. Financial Answer Guy Says:

    Death benefit proceeds are not taxable IF they are paid to a named beneficiary and not the insured's estate. the cash value of a permanent policy that is owned by the insured will be included in the estate tax calculation, but not the death benefit (unless payable to the estate). For that matter, if the deceased owned a cash value policy on ANYBODY, the cash value at the time of death is included in the estate. As the current exemption amount for Estate Taxes is $2mil, many who have decent estates plus a large policy might run into trouble. If this sounds like you, it is best to speak to a Financial Planner and Attorney both specializing in Estate Planning.

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