Secondary market – insurance sales
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Selling life insurance can be better than canceling the policy.
With the sale of your policy, you will sometimes receive more money from the buyer than your insurer would pay out in the event of a cancellation.
Nevertheless, due to current jurisdiction to cancellation fees, … the facts always check individually.
For example, if you sell your policy before the end of 12 years, because the withholding tax payable is often lower than the withholding tax payable on termination. If the policy is completed before 2005 and min. 12 years, this is usually tax-free.
It should be noted that a tax offset can currently only be made on capital gains. Therefore, a tax sale is worthwhile only if you will achieve future capital gains over your allowances.
For details of the process and the treatment / spin-off of the risk components, we are happy to assist you in a personal conversation.