What kind of pension insurance is better to buy at the age of 45

Hello, for 45-year-old people, for the elderly in old age, the best protection plan is to improve social security, and then according to the actual specific protection needs of the individual, choose the appropriate commercial insurance as a supplement.

In commercial endowment insurance, the return amount of traditional and dual-type insurance is clear, and the investment is less, which is more suitable for the pension needs of the working class. On the other hand, investment-linked and universal insurance are more suitable for high-income people with strong risk tolerance due to their higher investment and greater risk. The amount of pension provided by commercial endowment insurance should account for 25 40 of all old-age security needs.

Therefore, on the basis of the basic social endowment insurance, taking into account the gradual improvement of living standards and prices and other factors, it is more appropriate for the policyholder to purchase about 200,000 yuan of commercial endowment insurance.

You can refer to how to apply for pension insurance is the most appropriate.

In addition, you can choose a comprehensive health insurance plan + a commercial endowment insurance to fully protect your old age.

Hope it helps.

45-year-old people can consider configuring pension insurance to achieve reasonable planning of pension life.

Today, I will popularize the pension insurance for everyone, analyze the protection functions of the pension insurance, and then teach you how to choose high-quality pension insurance.

First of all, we can first understand what high-quality commercial endowment insurance products are currently on the market: the top 10 commercial endowment insurance in terms of cost performance!

What is pension insurance used for?

Pension insurance is an insurance product specially designed by insurance companies for people with pension needs, which can pay pension to the insured when the pension age is agreed in the contract, and when the payment standard is met.

Generally speaking, the pension insurance is set according to the gender of the insured, for example, the male insured can choose 60 65 70 years old, and the female can choose 55 60 65 70 years old, and the pension start time of each pension insurance may be different.

Pension insurance is actually a kind of annuity insurance, and there may be a lot of annuity insurance that you don't know much about, so it is recommended that you use this article to popularize relevant knowledge points: learn this trick and stay away from the pit of 99% of annuity insurance.

How to buy pension insurance?

First of all, many pensions will set up a "guaranteed payment period" for the pension of many pension insurances, such as guaranteed payment for 20 or 25 years, and if the insured dies during the guaranteed payment period, the unpaid pension can be received by the beneficiary in a lump sum.

If you value guaranteed payment, you can give priority to the insurance of pension insurance that supports guaranteed payment when purchasing.

Secondly, as a life insurance with a financial nature, the income of pension insurance must be the most important. When purchasing pension insurance, it is recommended to give priority to products with a higher internal rate of return, which can allow us to get more benefits.

Finally, let's take a look at what high-yield annuity insurance is available on the market: Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

At this age, health coverage and accident coverage should be preferred. This type of insurance has a low premium and a high sum insured. Because as you get older, the cost of insurance is also higher, so it is better to plan early.

Savings and dividend insurance can be planned together if there are sufficient funds. Pension insurance should be rebated every year, dividends every year, compound interest increased every month, and it should be returned to the principal after retirement, and it is still rebate after returning to the principal.

The best is the pension insurance under social insurance.

Apply for social security, and the economy allows you to buy a commercial insurance.

Chinese life has one, national life gold double happiness, pension dividend insurance, more appropriate, the age you said.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

For those under the age of 20, critical illness insurance, medical insurance and accident insurance can be the first choice

How do I buy insurance for someone under 20 years old? People who are less than 20 years old are in the period of physical and mental growth and development, and it is very necessary to pay attention to the medical situation of minor problems to avoid sequelae, so it is excellent to have a medical insurance, and the bits and pieces of medical expenses can be reimbursed; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is recommended to configure an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are between the ages of 20 and 30, you should choose critical illness insurance, accident insurance and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young and the spirit is good, but after a while, after you have your own family, your life pressure will increase, it is necessary to do a good job of insurance in advance, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, a month is only a few dozen, it can be considered, in line with this age group friends can see the senior sister beforeWhat kind of insurance is more cost-effective to buy in your twenties

You can take a look at this article.

Growth stage (30-50 years old): You should choose critical illness insurance, life insurance, accident insurance, and medical insurance

If you want to buy an insurance policy, which is suitable for people over 30 years old, what insurance should you buy? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterIf you want to buy an insurance policy, which is suitable for people over 30 years old, what insurance should you buy?

As for how to buy good insurance without spending too much money, the key is to choose the right insurance product.

"What is the best insurance to buy at 45? "Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

There is no best way to say insurance, the most important thing is suitable, 45-year-old people have more important family responsibilities, parents to support, children to educate, the most need for protection insurance, and then consider endowment insurance.

Because the core role of insurance is protection, only the function of protection is irreplaceable by any other financial instrument, and it can be small and large.

Due to the unpredictable occurrence of accidents and illnesses, if they have a serious impact on the family's financial situation, in addition to the loss of their own income, the family's hard-earned savings may also be concentrated on the person who has a major illness or accident.

Therefore, accident insurance and health insurance are what everyone in the family needs to have, especially the financial pillar of the family, and it is necessary to buy sufficient protection insurance, so that in case of problems, there is insurance to pay, which will also help the physical and mental state during treatment.

After the purchase of protection insurance, if the investment channels are not particularly rich, then you can also consider endowment insurance, after all, pension is in front of you, and you also need to prepare in advance.

As for the specific type of insurance, you have to choose according to the specific situation of your family.

It is okay to buy accident insurance at the age of 45, it is not cost-effective to buy sickness insurance, the older you are, the higher the premium, and you can also buy some if the economic conditions allow

It is recommended to buy Ping An Fu, if the economy is good, you can keep the high point (physical examination required).

If you are in good health, you can have serious illness insurance, but the rate is generally higher at this age. Medical insurance may also be considered.

Serious illness, accident, medical treatment, pension.

First of all, it is recommended to focus on social endowment insurance, and then supplement it with commercial endowment insurance after purchasing social endowment insurance. Commercial insurance that is more suitable for 45-year-olds for old-age pension includes pension insurance and increased whole life insurance.

1. Pension insurance.

First of all, I would like to introduce to you what pension insurance is. Pension insurance refers to the insurance in which the policyholder pays the insurance premium to the insurance company on a regular basis, and when the insured reaches the age specified in the insurance contract, the insurance company begins to pay a certain amount of insurance money to the insured on a regular basis. Pension insurance has the advantages of regular payments, compulsory savings and high security.

When we are old, the traditional pension insurance can provide us with a stable income, and we can use this income as a means to support our living expenses, buy groceries, go out and travel around, and so on.

There are many annuity insurance products on the market, in order to avoid the trouble of choosing, the senior sister also found an annuity insurance suitable for 45-year-old people for everyone, you can take a look at this product:Everyone insurance and raise a lot of No. 3 pension insurance is coming, an article analysis!

2. Increase the amount of whole life insurance.

For those who want to have lifelong value protection and want to increase their wealth, increasing the amount of whole life insurance is a good choice. Incremental whole life insurance is essentially a life insurance policy, and it generally includes death protection. Moreover, it is also an insurance with an increasing amount of insurance, which can realize everyone's desire to increase wealth.

In addition, the cash value of the increased whole life insurance grows rapidly, and the increased whole life insurance with reduced insurance and cash withdrawal can withdraw money in the middle, and the withdrawn funds can be used for our retirement life.

If you want to have an in-depth understanding of what is a small partner of increased whole life insurance, you can also take a look at this popular science article:What is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

However, shopping around is not a loss, and the senior sister has also compiled a list of increased whole life insurance for everyoneFreshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance!

That's all I have for this issue, I hope it helps! Hope!

Hello, I don't know if the pension insurance you are referring to is the social pension insurance or the commercial pension insurance?

Usually, for social pension insurance, the current requirement is to pay for 15 years. Although you can make a one-time payment, it is better to buy as early as possible to ensure that you are more secure.

For commercial pension insurance, commercial pension insurance products are relatively rich, mainly including: traditional commercial pension insurance, participating pension insurance, universal life insurance and investment-linked insurance.

In addition, you can refer to:

If you are a more conservative person in investment and financial management, you can choose traditional commercial pension insurance with compulsory savings for pension as the main purpose.

If you can take a certain amount of risk, you can choose to have an agreed minimum return of the participating pension insurance, the income of this part of the dividend is also linked to the operating performance of the insurance company, there is a certain degree of uncertainty.

In addition, the main features of universal pension insurance are that there is a guaranteed interest rate, no cap, easy access and compound interest.

Investment-linked insurance does not have a guaranteed return, and all customers are responsible for their profits and losses, which is a high risk.

The above is a brief introduction to the main types of pension insurance, you can choose according to your personal situation and needs, I hope it will be helpful to you.

Expand your eyes on the rubber exhibition to read: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

If you don't already have social endowment insurance, it is recommended to buy social endowment insurance first.

However, social endowment insurance belongs to the national overall inclusive insurance, can only meet our most basic pension needs, if you want to get more pension, you can supplement a commercial endowment insurance.

1. What is commercial endowment insurance?

Different from social endowment insurance, commercial endowment insurance is a financial insurance product developed by insurance companies to meet the needs of everyone's pension needs, which is actually annuity insurance.

In addition to the return of money and dividends, annuity insurance only has death protection. The essence is that we pay a certain premium to the insurance company, and then receive money from the insurance company on an annual basis until the agreed period.

Second, how to choose commercial endowment insurance.

1. Pick the one with the highest income first.

No matter what the purpose of buying annuity insurance is, annuity insurance is a kind of financial insurance, and it is inevitable to talk about income.

Since it is to buy commercial annuity insurance, we should focus on the income after the age of 60, and the higher the income, the better.

2. Cash flow should match demand.

Different people's needs are different, and it makes no sense to talk about products without needs. The essence of annuity insurance is to change our cash flow, so it is recommended to consider 3 aspects comprehensively:

Annuity return: How much pension will be returned each year after retirement?

Cash value: If you need money urgently, how much can you get back when you surrender the policy? Will it lose money?

Death Sum Insured: How much money can you leave for your loved ones when you return to old age in 100 years?

Hello, I don't know if you have social endowment insurance, if you don't have a blank book to buy social endowment insurance, and then choose the right commercial endowment insurance as a supplement. The purchase of commercial endowment insurance needs to be comprehensively analyzed according to your personal age, physical health, gender, economic ability, etc. Here is a reference link for you on how to buy pension insurance.