我在网上查到，Life insurance proceeds are typically not taxable as income, but can be taxed as part of your estate if the amount being passed to your heirs exceeds federal and state exemptions. 这个说法正确吗？ 如果是这样的话，受益人是non-resident，federal的estate exemptions只有6万，剩下的要付好多税。大家知道有什么避税的办法吗？
我在网上查到，Life insurance proceeds are typically not taxable as income, but can be taxed as part of your estate if the amount being passed to your heirs exceeds federal and state exemptions. 这个说法正确吗？ 如果是这样的话，受益人是non-resident，federal的estate exemptions只有6万，剩下的要付好多税。大家知道有什么避税的办法吗？
update： 我查到有两种避税办法： 1.改term life的ownership 2. irrevocable life insurance trust (ILIT)
具体可以看这篇文章，https://www.investopedia.com/articles/pf/06/transferlifeinsurance.asp
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我理解term life不是exclude estate tax的 请mm指教
你是说受益人是父母吗？那估计没办法了，宁可交税了，避免邓mm父母这样被动。不过life insurance一般都不希望用的，就算受益人估计也不想用这笔钱，交税就交税吧。