{"id":3525,"date":"2023-10-10T15:40:44","date_gmt":"2023-10-10T10:10:44","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3525"},"modified":"2023-10-10T15:42:56","modified_gmt":"2023-10-10T10:12:56","slug":"checklist-on-employer-employee-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/checklist-on-employer-employee-insurance\/","title":{"rendered":"Checklist on Employer Employee Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/checklist-on-employer-employee-insurance\/#An_Overview\" >An Overview\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/checklist-on-employer-employee-insurance\/#Checklist_for_understanding_Employer_Employee_insurance\" >Checklist for understanding Employer Employee insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"An_Overview\"><\/span><b>An Overview\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">At Insurance Samadhan, we frequently receive complaints related to Employer Employee<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Insurance. Most of these complaints are a result of misleading and incorrect interpretations of income tax laws.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Checklist_for_understanding_Employer_Employee_insurance\"><\/span><b>Checklist for understanding Employer Employee insurance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We have attempted to create a checklist for understanding Employer Employee insurance, as<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">detailed below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employers have an insurable interest in their employees; thus, they can purchase insurance on the lives of their employees. This makes the Employer Employee contract valid. Employers can act as proposers, while employees are life insured. Premiums can be paid by the employer and treated as an expense under section 24.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This contract must be supported by a Board Resolution and a Scheme Document that outlines all the details regarding the purpose of the arrangement and the action plan in various situations. A lack of proper Resolution and Scheme Document can lead to disputes between employers and employees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">However, the treatment of the premium paid remains ambiguous. Most Chartered Accountants consider it a perquisite, while insurance sellers argue that it should not be treated as such. We believe it should be considered a contingent liability since the gain is not immediate and is in the form of a future benefit. Therefore, the premium paid should not be treated as a perquisite. We recommend that employers consult their Chartered Accountant before opting for Employer Employee Insurance, and it can be contested by the CA if they are willing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Another area of ambiguity is the taxation of maturity proceeds. If it has been classified as a perquisite, then the proceeds will be tax-free under section 10(10) D. However, if it is not treated as a perquisite, the proceeds will be taxable.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is clarity regarding the tax-free nature of death proceeds under all circumstances. However, the Scheme Document should specify that death proceeds will be paid to the nominee of the insured after deducting any liabilities to the employer. It is advisable for the insured to have a loan liability to validate the contingent liability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance sellers also present an option for assigning the policy to the employee after benefiting from the surrender value. For example, if the premium is Rs 1 Lakh per year, and after three years, the employer has claimed an expense of Rs 3 lakh, but the surrender value is only Rs 1.50 lakh, the employee can buy the policy by paying Rs 1.50 lakh and become the owner of the policy. Post-assignment, all benefits are treated as those of a regular policy. This is presented as a tax-efficient method of wealth creation, especially for owners or promoters who receive salaries as employees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance Samadhan recommends conducting due diligence on the Scheme Document, Board Resolution, loan liability, and creating a fund for the long-term retention of employees.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Always consult your Chartered Accountant before considering the concept of Employer Employee insurance.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3528\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today.png\" alt=\"Employer employee insurance \" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p><b>By &#8211; Shailesh Kumar<\/b><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/checklist-on-employer-employee-insurance\/\"\n  },\n  \"headline\": \"Checklist on Employer Employee Insurance\",\n  \"description\": \"Discover Employer Employee insurance essentials: insurable interest, premium, taxation, and policy assignment insights\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog-today.png?resize=1024%2C576&ssl=1\",\n    \"width\": 1920,\n    \"height\": 1080\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Insurance Samadhan\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": 224,\n      \"height\": 47\n    }\n  },\n  \"datePublished\": \"2023-10-10\",\n  \"dateModified\": \"2023-10-10\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An Overview\u00a0 At Insurance Samadhan, we frequently receive complaints related to Employer Employee Insurance. Most of these complaints are a result of misleading and incorrect interpretations of income tax laws. Checklist for understanding Employer Employee insurance We have attempted to&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/checklist-on-employer-employee-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[334],"tags":[],"class_list":["post-3525","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employer-employee-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Checklist on Employer Employee Insurance - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Discover Employer Employee insurance essentials: insurable interest, premium, taxation, and policy assignment insights.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/checklist-on-employer-employee-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Checklist on Employer Employee Insurance - 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Most of these complaints are a result of misleading and incorrect interpretations of income tax laws. Checklist for understanding Employer Employee insurance We have attempted to&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3525","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=3525"}],"version-history":[{"count":3,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3525\/revisions"}],"predecessor-version":[{"id":3534,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3525\/revisions\/3534"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/3529"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=3525"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=3525"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=3525"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}