年末税优保险宣传升温！节税是真的，但这些陷阱需警惕

Core Insights - The insurance market is experiencing a surge in marketing tax-advantaged insurance products as the 2025 deadline approaches, with claims of significant tax savings being promoted [1][3] - Experts caution that consumers should prioritize their insurance needs over tax savings when considering these products [1][8] Tax-Advantaged Insurance Products - Two main types of tax-advantaged products are available: personal pension insurance and tax-advantaged health insurance, with annual contribution limits of 12,000 yuan and 2,400 yuan respectively [3][4] - Personal pension insurance is designed for individuals aged 16 and above who are not yet of retirement age and are enrolled in basic pension insurance [3][4] - Tax-advantaged health insurance has a broader eligibility and is not limited by social insurance participation, but has specific coverage and reimbursement limits [3][4] Tax Savings and Income Levels - The effectiveness of tax savings from these products varies significantly based on the individual's income tax rate, with higher rates yielding greater tax refunds [4][6] - For example, a 45% tax rate can result in a tax refund of 1,080 yuan from tax-advantaged health insurance, while a 3% rate yields only 72 yuan [4][6] Marketing Strategies and Misleading Claims - Insurance sales personnel often promote high returns by including tax savings as part of the investment yield, which can mislead consumers regarding the actual financial benefits [5][6] - Claims of annualized returns exceeding 4% are based on combining tax refunds with the policy's cash value, which can create unrealistic expectations [6] Consumer Guidance and Considerations - Consumers are advised to focus on their insurance needs rather than solely on tax benefits, as tax savings should be viewed as an additional advantage [8] - It is essential for consumers to thoroughly review policy terms, including coverage limits and exclusions, before purchasing [8] - When purchasing tax-advantaged health insurance, it may be beneficial to have the higher-income family member as the policyholder to maximize tax benefits [8]