I am a citizen and resident of India. I am to receive an amount as beneficiary on an insurance policy from an aunt in the us, who was a US citizen and has passed away. Can I claim reduced federal withholding tax based on the India US Tax treaty? If so under which Article of the treaty?

Thanking you

Ravi

Insurance proceeds are normally NOT taxable to the recipient.

This is probably a deferred tax investment.

Maybe, if it is universal or variable life.