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Premiums are not deductible regardless of whether the insurance is government life insurance or regular commercial life insurance. Although life insurance premiums, as such, are not deductible, they may be deductible as the payment of alimony or as charitable contributions.
LESSON 13: MEDICAL EXPENSE INSURANCE. 13.3.1 Deductibles. Everyone knows what a deductible is. It is a form of payment that enables insurers to help hold down premium rates and eliminate small claims, but you may not know that there are actually three types of deductibles under major medical expense plans.