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                            <h1 class="h6 herald-mod-h herald-color">Tag • 保單價值</h1>
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                               title="保單要保人變更為子女！別忘申報贈與稅　有人被補稅35.6萬還裁罰">
                                <img src="/uploads/images/20260517/215111fcc41f7b568e.png" alt="保單要保人變更為子女！別忘申報贈與稅　有人被補稅35.6萬還裁罰"/>
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                                        保單要保人變更為子女！別忘申報贈與稅　有人被補稅35.6萬還裁罰                                    </a>
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                                    <div class="meta-item herald-date"><span class="updated">2026-05-17</span>
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                                <p> ✕ 保險若要變更要保人得注意了！財政部提醒，這形同原要保人將保單價值無償移轉給他人，屬於贈與行為，應注意辦理贈與稅申報，以免遭補稅處罰，就有人將保單要保人變更為自己女兒，因保單價值準備金達600萬元...</p>
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