【中文版】

保险是一种风险保障措施，通过缴纳保险费来获得保险公司的保障，以应对可能发生的意外事故或疾病等风险。同时，购买保险也可以帮助我们避免金融风险，并节省我们的时间和精力。除此之外，保险还可以免税，这也是许多人选择购买保险的原因之一。

首先，让我们来看看保险为什么可以免税。根据国家相关法律规定，有些保险是可以享受免税待遇的。例如，养老保险、医疗保险、失业保险和工伤保险等都可以免缴个人所得税。这是因为这些保险与我们的生活息息相关，购买这些保险可以减轻我们的经济负担，并且这些保险的保费支出也可以帮助我们节省税款。

其次，除了以上提到的几种保险外，还有一些商业保险也可以享受免税待遇。例如，企业年金保险、分红型保险等都可以免缴个人所得税。这是因为这些保险产品是企业为了员工福利而购买的，购买这些保险可以增加员工的归属感和忠诚度，并且这些保险的保费支出也可以帮助企业节省税款。

总之，保险之所以可以免税，是因为它是一种风险保障措施，与我们的生活息息相关。购买保险可以帮助我们应对可能发生的意外事故或疾病等风险，同时也可以帮助我们避免金融风险并节省我们的时间和精力。此外，购买符合规定的保险还可以享受免税待遇，这也是许多人选择购买保险的原因之一。

【英文版】

Insurance is a risk management measure that allows individuals to obtain protection from insurance companies by paying insurance premiums in the event of unexpected accidents or illnesses. In addition to providing protection from financial risks, purchasing insurance can also save individuals time and energy. Furthermore, insurance can be tax-exempt, which is one of the reasons why many people choose to purchase insurance.

Firstly, let's explore why insurance can be tax-exempt. According to relevant national laws and regulations, some insurance can enjoy tax exemption. For example, endowment insurance, medical insurance, unemployment insurance, and work-related injury insurance are all exempt from personal income tax. This is because these insurance are closely related to our lives, purchasing these insurance can reduce our economic burden, and the premium支出of these insurance can also help us save on taxes.

In addition to the above-mentioned insurance, some other commercial insurance can also enjoy tax exemption. For example, enterprise annuity insurance, dividend-paying insurance, etc. are all exempt from personal income tax. This is because these insurance products are purchased by enterprises for employee benefits. Purchasing these insurance can increase employees' sense of belonging and loyalty, and the premium支出of these insurance can also help businesses save on taxes.

In summary, insurance can be tax-exempt because it is a risk management measure that is closely related to our lives. Purchasing insurance can help us cope with possible unexpected accidents or illnesses, while also helping us avoid financial risks and save time and energy. In addition, purchasing insurance that meets the requirements can also enjoy tax exemption, which is one of the reasons why many people choose to purchase insurance.