Facts about japan / Personal lifes

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Facts about japan / Personal lifes

Risk Management and Insurance / Personal taxation business

Insurance against loss premium receipt subtraction | Risk management / a tax
"Fire insurance"
* The receipt of the damage insurance： Tax exemption "Accident insurance"
* A receipt of the death benefit：
A person insured (an ancestor), a beneficiary（An heir）
* An inheritance tax： A contractor（An ancestor）
* Occasional income： A contractor（An heir）
* A gift tax： A contractor（The third person）
* The physical impediment insurance, the hospitalization insurance, a receipt of the going to hospital insurance： Tax exemption
"Automobile insurance"
* The insurance receipt of towards other people / the object compensation insurance： A person insured is tax-free.
* The insurance receipt of the automobile physical damage insurance： A person insured is tax-free.
* The insurance receipt of the crew accident insurance： I am the same as accident insurance.
* An insurance receipt of the own loss accident insurance： I am the same as accident insurance.
* The insurance receipt of the no insurance car accident insurance： A person insured and the spouse, parents, a child are tax-free.
"The medical expense / care expense insurance"
The receipt of the medical expense / care expense insurance： Tax exemption "Money of expiration of a term return"
* Occasional income =
（Money of expiration of a term return + dividend）A ー (the amount of premium payment) ー (special deduction 500,000) taxation object： Occasional income *50%
* 20% separate taxation
* One premium payment
* An insurance period is equal to or less than five years
* Under compensation magnification 5 times
Money of source amount collected =(( expiration of a term return + dividend) ー (the premium payment total sum)) *20% "Deduction from petty losses"
ー standard of assessment net total 10% to cut by deduction from petty losses as the damage that either following much one received by a disaster (the amount of filling such as the (toll + fire-related expenditure) ー insurances) or
Disaster-related expenditure -50000 yen
* For three years, I can subtract carrying forward
* The noble metal of more than 300,000 is inapplicable "Reduction and exemption law for disaster victims"
When the fire suffered damage in less than annual income 10,000,000.
Less than income 5,000,000： Less than income tax total amount exemption income more than 5,000,000 - 7,500,000： Less than income tax 50% reduction income more than 7,500,000 - 10,000,000： Income tax 25% reduction
* There is no reduction of taxes in more than income 10,000,000