什么是Modified Endowment Contract（MEC）？

根据IRS的规定，如果你每年缴纳的寿险保费超过了IRS的上限规定，那么你的保险就会被定义为Modified Endowment Contract（MEC）账户。MEC寿险账户的税收规则和年金产品相似，并且受益人最后获得的寿险赔偿金也将失去“免税”的优惠。

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