When we were working at such an age, we bought insurance in the company or not, and asked the compan

When investors invest in financial management, they always want to be able to take less risk and get more returns. But what should you do if your income is interrupted due to an accident and you have no "money" to take care of? Liu Yanbin, secretary general of the National Financial Planner Professional Committee, once told reporters

Insurance is an essential element of financial management, and insurance is a risk management tool that is 'preparing for the unforeseen'. So, how do we combine financial management with insurance? There are four main types of insurance products available in the market:

Traditional insurance, participating insurance, universal insurance and investment-linked insurance. In terms of types, traditional insurance belongs to pure protection insurance, while the latter three types of insurance integrate protection and investment, and belong to investment-type insurance. From the perspective of the categories of hot-selling products of various insurance companies, insurance products with savings and investment and wealth management functions are more favored by investors.

However, although the insurance itself comes with the financial management function, it can realize the appreciation of insurance funds at the same time as the protection function. However, compared with other financial products, its income is generally not as good as **, **. Financial experts suggest that if you only need the protection function of insurance, then the insurance investment should not exceed 10% of the annual family income; If you also pay attention to its financial management function, it is recommended to account for 20%-40% of the overall financial planning funds

Therefore, investors can choose different insurance products and asset allocation according to their different situations in different periods. Single Period: This stage has a relatively low economic income and high expenses. Miss Zhao from the office of Chengdu Branch of New China Life Insurance Co., Ltd. suggested that young people can give priority to accident insurance when applying for insurance, because this type of insurance has low premiums but high insurance amounts, and New China Life's multi-insurance products are suitable for such people, and the proportion of insurance in the overall financial planning funds should not exceed 10%.

Family Period Stabilization During this period, everything becomes much more stable, so you can choose a type of insurance with a return nature. However, investors should also consider their own pension and some larger disease issues, so they should choose to buy insurance products that focus on education** and parents' own protection. At this time, the proportion of insurance in the overall financial planning funds can be more than 20%.

Retirement period The main content of this period should be to live comfortably in old age, and the principle of financial management is that the body comes first, and the wealth comes second. Before the age of 65, review the life insurance you already have and make appropriate adjustments. For example, New China Life's Furu Donghai Whole Life Insurance (Type C) (Participating) and other products.

Resolutely buy insurance, this issue is not negotiable.

Legal analysis: unit social security is actually employee social security, when employees reach retirement age, that is, men are 60 years old, female cadres are 55 years old, and female workers are 50 years old, they can no longer pay. The regional social security payment system will automatically stop paying when the employee reaches retirement age.

However, there are also some regions with different policies, that is, if you have reached the retirement age and have an employment relationship with the employer, you can continue to pay contributions. In fact, as long as the pension insurance has been paid for 15 years and the medical insurance has been paid for 20 years or more before retirement, then you can enjoy lifelong pension treatment and medical insurance treatment. Therefore, the earlier the social security payment, the better, and the longer the payment period, the better the treatment enjoyed.

Legal basis: Social Insurance Law of the People's Republic of China

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

Article 74: Relevant units and individuals shall promptly and truthfully provide data required for social insurance work obtained by social insurance handling bodies through business handling, statistics, and investigations. The social insurance agency shall promptly establish archives for the units that use the blind people, completely and accurately record the social insurance data such as the personnel participating in the social insurance training and the payment of premiums, and properly keep the original vouchers for registration and declaration and the accounting vouchers for the payment and settlement of the distribution and processing. The social insurance agency shall timely, completely, and accurately record the personal rights and interests records such as the contributions made by individuals participating in social insurance, the contributions made by employers, and the enjoyment of social insurance benefits, and periodically send the individual rights and interests records to the person free of charge.

Employers and individuals may, free of charge, inquire and check the records of their contributions and social insurance benefits from the social insurance agencies, and request the social insurance agencies to provide social insurance consultation and other related services.

Working in the company, it is recommended to buy insurance, although you are older, but as long as you buy insurance for 15 years, you can retire and receive retirement salary, and not only pay your own money, the company will also pay a part of the insurance costs, so it is very cost-effective, and you can also receive retirement formula after you are old, which can make the life economy relatively stable.

When I am older and work in a company, is it still appropriate to buy insurance? It should be suitable. Under normal circumstances, as long as insurance is used, regardless of age, it is suitable if you need it, and it is not suitable if you don't need it, but when you need it, it is not the same. Or buy an insurance, rest assured.

When you are older, you can work in a company and buy insurance. It has certain benefits in your life.

How old are you? It doesn't matter if you're in Shanghai or out of town. If you count what you can do for retirement.

15 years. It is advisable to buy insurance. In terms of social security, although it is not cost-effective to buy in Shanghai, there are places where you can make up for it when you go to your hometown, and you can also go home and ask if you can make up for it?

Normally, it will change year by year, and some things are uncertain. But social security has a medical insurance in it. It's more cost-effective.

I think as long as you are not over 55 years old, then you have to buy insurance, so no matter what, you still have a guarantee after you buy insurance when you are old, so no matter what, it is better to buy insurance in today's society.

When you are older and work in the company, you should combine your actual situation to see if you need to buy insurance, after all, simply helping the company to pay the insurance, it may still be insufficient.

It depends on your specific age and what kind of insurance you want to buy, because after some insurance reaches a certain age, the insurance company can report it, and it also depends on the individual's physical condition, which industry you are engaged in, etc., the best words can be consulted by professional insurance personnel.

In modern society, buying insurance is a must.

Summary. Hello dear and happy to answer your <>

Now the new company is working and people say that the insurance can't be bought because the old unit has not transferred the social security relationship to the new unit, and there is also the reason that your insurance is in arrears and you need to pay back fees. The previous company left the company, and the interval between resignation and joining the new company was one year, during which the social security was cut off, and the new company prompted that there was a normal state of depositor records, and the previous company needed to do the resignation transfer and sealing, and the new company could pay social security. <>

Now the new company goes to work, and then people say that the insurance can't be bought because what did the company have to do with the previous company?

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Now the new company is working and people say that the insurance can't be bought because the old unit has not transferred the social security relationship to the new unit, and there is also the reason that your insurance is in arrears and you need to pay back fees. The company left the company and left the company for one year, during which the social security was cut off, and the new town register company prompted that there was a normal state of depositor records, and the previous company needed to do the resignation transfer and sealing, and the new company could pay social security. <>

Hello dear and expanded content <>

The Social Insurance Law clearly stipulates that if an individual is employed across the overall planning area, his basic pension insurance, basic medical insurance and unemployment insurance shall be transferred with him/herself, and the payment period shall be cumulatively calculated. However, work-related injury insurance and maternity insurance do not need to be transferred because the employer pays the insurance premium, and the employee does not pay the insurance premium.

Summary. Dear, the company didn't give insurance at work, report it. According to the relevant provisions of the Labor Contract Law, if the employer fails to pay social insurance to the employee, the employee may terminate the labor contract and require the employer to pay severance compensation.

Severance is determined on the basis of the number of years of service of the worker.

The company didn't have insurance at work, what should I do?

Dear, the company didn't give insurance at work, report it. According to the relevant provisions of the Labor Contract Law, if the employer fails to pay social insurance to the employee, the employee may terminate the labor contract and require the employer to pay severance compensation. Severance is determined on the basis of the number of years of service of the worker.

Extended information: Regardless of whether there is an agreed probationary period, from the beginning of the signing of the labor contract between the employer and the employee, the employer should purchase social insurance for the employee, but part of the cost needs to be borne by the employee, and the employer does not mean that the employer needs to pay all the social security expenses.