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In the United States, the tax on curiosity income on life insurance policies and annuities is usually deferred. Nonetheless, in some instances the profit derived from tax deferral may be offset by a low return. This depends upon the insuring firm, the type of policy and other variables (mortality, market return, etc.). Furthermore, different earnings tax saving autos (e.g., IRAs, 401(okay) plans, Roth IRAs) may be higher options for value accumulation.