Henceforth, endowment insurance perhaps can deduct a tax with touching. A few days ago, the meeting that keep watch is started in Tianjin seaside new developed area pilot, the expense that the enterprise buys compensatory endowment insurance for the worker is on the enterprise year worker total wages the part of 8% less than, can deduct before enterprise income tax. The expense that the individual buys compensatory endowment insurance is in income of individual pay wage the part of 30% less than, can deduct before individual income tax. Concerned expert points out, the hopeful after privilege of taxation of compensatory endowment insurance is pilot and successful gains ground in the countrywide city such as Beijing.
Company worker provide for the aged chooses more
Beijing University China is safe with researcher of social security research center kingdom army tells a reporter, individual deposit, social security and commercial insurance are system of our country provide for the aged 3 big pillar. The enterprise annuity in commercial endowment insurance is the key will develop way henceforth.
The round danger of provide for the aged that team of current commercial provide for the aged is sure to distribute the enterprise annuity that is fiducial type and contracted form, its are distinguished greatly depend on whether having taxation privilege. Enterprise annuity is inside countrywide limits most win taxation privilege first, duty front row raises privilege most it is substantially 12.5% . Bank, fiducial, insurance is OK and mandatory enterprise annuity. Since privilege of enterprise annuity taxation is started, endowment insurance of favourable without taxation group is in inferior position all the time. About expert analysis, keep watch right now the taxation privilege of round danger of meeting provide for the aged is pilot hope to open a market again namely, observation is affected to taxation, accumulate experience. Annuity of final choice company or round danger of provide for the aged will by enterprise write one's own ticket.
Current, only 5 insurance company possess the qualification of mandatory enterprise annuity, if provide for the aged is round danger taxation privilege is pilot and successful, in will enlisting the company that means business of all risk having a group the market to compete, come, company option area is large, and company staff will get more enough provide for the aged is ensured.
Increase an individual compulsive deposit strength
What profit can compensatory endowment insurance bring for the individual? Concerned expert thinks, double privilege of revenue of individual, company will increase an enterprise enforce for employee further the strength of deposit. According to this pilot regulation, to each insurant, can distinguish between insurance period to accumulate period and get period. Accumulating period inside, if insurant dies, can get the insurance gold that belongs to insurant. Get period the emeritus age that ought to reach labor department to set from insurant begins, the special fund that this achieved endowment insurance actually is special, be in only male full 60 years old, female can get when 55 years old completely.
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