"Insurance portfolio" for society freshman and 'tax' kkultip

[Reporter Korea gimmingyeong financial newspaper] is still a reasonable consumption and payroll needs the more low-income community rookie. Here icing on the cake by adding the appropriate jaetekeu. With insurance with retirement pensions, etc. Preparing the worlds it can chaenggil to tax benefits.

It is also advantageous protection-type insurance to join a young age. The 'age insurance, because insurance premiums are young is priced lower. However, if you unreasonably configure the insurance portfolio because it is difficult to maintain long-term, it is important to sign up for an insurance product that suits the situation.

◇ first consideration protection-type insurance

Social rookie is good to first sign up on protection-type insurance can sign up to less than the premiums for life insurance and variable life insurance expensive. Protection-type insurance indemnity consisting of medical insurance, accident insurance, health insurance, etc., because it is a low premium subscription when young. Car insurance can also be classified gotta workers own the tax credit of 12% of the insurance payment made to one million won a year when year-end tax settlement for the amounts actually paid to the protection-type insurance. For handicapped care to one million won a year allows you to deduct 15% of the payment made.

◇ The life insurance if you have to pay attention

If the family be responsible to marriage and childbirth the most recommended a life insurance. Life Insurance belongs to a slightly higher premium hand protection-type insurance to help families living in a stable product that death benefit paid regardless of age or the cause of the accident when the insured is involved in a fire accident.

Even life insurance also the day is free to sign up as soon as possible. With age increases the risk of disease or death due premiums have climbed.

Life insurance can be an addition to the basic guarantees of death, including cancer through a special agreement disease, accidents, hospitalization, and custom designs. In addition, some life insurance products can operate a pension transfer, payment and earn a free universal withdraw such funds to a variety of flexible function also can be added to the premium for the retirement money.

◇ tax benefits norim straight into pension savings

Pension savings insurance is the biggest advantage is that you can get a tax credit. 55 million won annual salary up to 16.5% of the annual amount of fees paid to the limit of 4 million won or less workers can be a tax deduction up to (including local taxes). A count that can be returned when the end of the year accounting for about up to 66 million. If total income exceeds 55 million won can deduct up to 528,000 won at the rate of about 13.2%.

Tax exemption limit amount is combined with pension savings, retirement payment made open kkajimyeo 7,000,000 won a year's pension savings payment made kkajida 4,000,000 won. Pension insurance is exempt if the interest on the amount refunded at maturity pension savings is a concept subject to tax benefits on the total amount you pay each year one year at the end of the year.

Is a return vary widely depending on the pension savings products. In particular, the deduction rate for such expenses in the case of insurance sign up early and greater recording the rather negative returns during short maintenance. Therefore, we must maintain a minimum of five years enters into annual returns plus you can receive a pension in accordance with the rate of disclosure in the insurance companies.

According to the recent announcement of KLIA was ranked first in the fourth quarter of the year, Samsung Life among 493 basis pension savings products, pension savings Gold annuity (fixed rate type _ Batch 50), 2016, the cumulative rate of return 6.97%.

Second place was also won two gold retirement savings annuity (fixed rate type) of Samsung Life Insurance. Since 2001 sales were recorded close to keeping the number of cases in 2300 the average annual rate of return since the sale was found to be 6.59%.

Third in the life of the DGB 'Lucky Life annuity pension savings' winning is worth nunyeogyeobol products grew significantly last year. Since its launch in 2001 recorded an annual average return of 6.04% among small and medium detectives it was analyzed to embellish a remarkable achievement.

◇ annuities 'last train' Tara

Pension insurance is insurance earned premiums in advance and receive a regular retirement fund at retirement time. Retirement can be stable monthly gain since a certain level of retirement funds each year trend gaining subscribers.

If you maintain a subscription for more than 10 years and may also be tax exempt benefits. However this tax exemption benefits are available only from April according to the Income Tax Act amendments monthly payment $ 1,500. For existing subscribers are also ilsinap interest income is exempt, but expected to be starting next month limit reduced to 200 million won to 100 million won.



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