Originally Posted by Vsop

The GVUL plan pays imputed income on the premiums delta actually pays. The term plan pays taxes based off an IRS chart. The chart says you got more value in insurance than what Delta actually paid for premiums. The difference in premiums vs the chart grows wider the older you get. The tax savings is the taxes charged on the difference between premiums and the chart. It’s probably not going to be very much for most of us, but less tax is a good thing.