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Higher Tax-Free Employer-Provided Group Term Life Insurance

New rules increase the amount of employer-provided group term life insurance that is exempt from income tax. This means employees can receive significantly higher life insurance coverage from their company without paying additional taxes on it. This change can improve the financial security of families in the event of an employee's death.
Key points
The tax-free limit for employer-provided life insurance increases from $50,000 to $375,000.
The new $375,000 limit will be automatically adjusted for inflation in future years.
The changes apply to taxable years beginning after December 31, 2020.
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Status:
Expired
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Additional Information
Group Term Life Insurance Increase Act
Print number: HR 195
Sponsor: Rep. Burgess, Michael C. [R-TX-26]
Process start date: 2021-01-05
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Higher Tax-Free Employer-Provided Group Term Life Insurance

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 195.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-01-05.

What are the main provisions?

Key points include:

  • The tax-free limit for employer-provided life insurance increases from $50,000 to $375,000.
  • The new $375,000 limit will be automatically adjusted for inflation in future years.
  • The changes apply to taxable years beginning after December 31, 2020.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Burgess, Michael C. [R-TX-26].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Ways and Means.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-27.

Analysis and Potential Impact of HR 195

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

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