嘉德理财

【嘉德理财】购买分红保险能省税吗?

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加拿大没有遗产税,但是每个人去世后半年之内必须由家人替死者申报最后的税务。加拿大对于离世后的征税方式是:离世者的所有资产等同于以去世当天的市场价格出售,资本增值部分的50%必须计入死者当年收入来缴税,由家人申报并代为缴纳。特别是夫妻双方都去世后,子女需要替父母缴纳最后一次税款,包括父母名下的投资物业、基金投资、商业投资等。那么,子女又如何有现金缴纳这部分的税款呢?因此,大家都应该提前进行遗产规划,解决身后税款的资金来源。

大家都知道,保险赔偿金是完全免税的。但还是有很多朋友一听到保险赔偿就觉得很晦气,毕竟得到保险赔偿金就肯定涉及到亲人得病或者身故等不好的事。但换个角度来想,人总会走到生命的终点,在自己离开后,家人能获得免税的保险赔偿金并不是一件不好的事,反而是一件好的事。

保险赔偿金不但为逝者最后走得有尊严走得体面提供了物质保证,还可以为逝去的人所涉及的各种资产税项做出有效的解决和安排。特别是对于高资产的企业人士,企业资产增值所面临的增值税是相当沉重的,如果没有免税的保险资金做为保障,人走后家人们在缴交税款上会出现非常大的麻烦和问题。

那为什么说购买分红保险能省税?

因为保险中的税务问题不仅仅涉及到保险赔偿金免税,更重要的是保单内的资产增值也是完全免税增长的,这跟政策性账户的功能是一样的。但政策性账户,在人身故后还是得交税,而保单资产所形成的保险赔偿金则是完全免税。此外,分红保单内的现金价值还可以用作退休收入的补充。方法是把保单抵押给银行做贷款,因为取得的资金是借款,不算收入,所以无需缴交任何税款,并且不影响老年福利的发放。将来保险赔偿包括保单内的投资增长部分在扣除贷款本息后,由指定受益人免税继承。这是一个非常有吸引力的节省税款的思路。

很多人都在为自己、为家人努力地创造更多的财富和更美好的生活,但是在创造财富的同时,如果忽略了人生最后阶段的税务安排就是一个非常令人遗憾的事,所以,如果您还没有考虑或作出适当的家庭理财安排,建议尽快联系专业的理财顾问替您规划一下吧。

如需更多信息,欢迎联系我们。更多话题,请浏览公司网站:www.jdlwealth.com或关注微博:嘉德集团_多伦多生活小百科

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