My pension is a little lower, do I need insurance? What insurance should I buy?

The average salary of the community will not rise much. If you want to live a better retirement life, you must still need commercial pension insurance to supplement. Even the state is now advocating enough to buy a commercial pension.

I am a salesman of Chinese Life, we have recently launched a protection plan that covers 35 major illnesses and 10 specific diseases and accidental death, and after the expiration is to refund 130% of the premium you paid, that is to say, if the premium is 100,000, 130,000 will be refunded, there is no loss to you, if you need you can consult.

First, I don't know what retirement you belong to, the state has never stipulated that you can retire under the age of 40, no matter what the situation, it is impossible to retire, and the sick retirement must at least reach 50 for men and 45 years old for women, which is the earliest retirement age, unless it is a retirement, it can be less than 50 men and 45 years old for women, whether you are officially retired, it is hard to say.

Second, your monthly 340 yuan should be said to be very little, and it is also the reason why I doubt that you are officially retired, and third, if you are not officially retired, you cannot be included in this adjustment to increase the retirement fee.

The amount of this pension varies from place to place, and you have to ask your local social security office for this.

Summary. According to the general enterprise industry, social security includes 5 insurances and 1 housing fund.

Pay 15 years refers to the pension insurance in the 5 insurances, according to the current policy, the cumulative answer to pay 15 years can not be paid, and you can receive it on a monthly basis when you reach retirement age, or you can pay until retirement.

Pension is determined according to the total amount of pension insurance you have paid and the retirement base of the year of retirement, simply put, pay more to retire, the same payment base to pay for the pension you pay from the age of 20 to 35, others from 20 to 60, retirement must get a lot more money than you. Of course, the bad part is that the policy is not confirmed after a few decades, maybe you will have to retire at 65 and receive a pension for a total of 20 years, so you can't receive it, so it is recommended that you can pay a few more years.

In addition, the policy of 4 insurances and 1 housing fund needs to consult your local social security bureau, how to pay to enjoy it, which varies from place to place.

1.According to the general enterprise failure and promotion of the property industry, social security is 2Pay 15 years refers to the pension insurance in the 5 insurances, according to the current policy, the cumulative answer to pay 15 years is ridiculous to not pay, you can reach the retirement age can be received on a monthly basis, you can also pay until retirement.

3.Pension is determined according to the total amount of pension insurance you have paid and the retirement base of the year of retirement, simply put, pay more to retire, the same payment base to pay for the pension you pay from the age of 20 to 35, others from 20 to 60, retirement must get a lot more money than you. Of course, it is not good that the policy is not confirmed after a few decades, maybe you will have to retire at 65 and receive a pension for a total of 20 years, so you can't receive it, so it is recommended that you can pay more than a few years 4

In addition, the policy of 4 insurances and 1 housing fund needs to consult your local social security bureau, how to pay to enjoy it, which varies from place to place.

1. Introduction to China Life Xinxiang Gold Annuity.

China Life Xinxiang Golden Annuity is an annuity insurance that contains two basic terms: paragraph A and paragraph B.

1. China Life Xinxiang Jinsheng Annuity Insurance Section A.

Issue age: 28 days old to 65 years old.

Payment period: 3 years, 5 years.

Insurance liability: Special survival insurance benefit: 50% of the premium paid in the first year on the 5th and 6th policy anniversaries respectively, a total of 2 times; For a premium payment period of 5 years, 100% of the first year premium will be paid on the 5th and 6th policy anniversaries respectively, for a total of 2 times.

Survival Premium: For those with a premium payment period of 3 years, 24% of the premium will be paid annually from the 7th policy anniversary to the end of the policy, and a total of 8 times will be paid; For those with a premium payment period of 5 years, 32% of the premium will be paid annually from the 7th policy anniversary until maturity, for a total of 8 times.

Maturity Survival Benefit: The insured will survive at the end of the insurance period and pay 100% of the basic sum insured.

Death Benefit: In the event of the death of the insured, the death benefit will be paid according to the premiums paid.

2. China Life Xinxiang Jinsheng Annuity Insurance Section B.

Issue age: 28 days old to 60 years old.

Payment period: 10 years.

Liability: Special Survival Benefit: 100% of the first year premium will be paid in 2 installments on the 5th and 6th policy anniversaries.

Survival Benefit: 65% of the first year's premium will be paid annually from the 7th policy anniversary until maturity, a total of 8 times.

Maturity Survival Benefit: The insured survives at the end of the insurance period and pays 100% of the basic sum insured.

Death Benefit: In the event of the death of the insured, the death benefit will be paid according to the premiums paid.

2. Analysis of the advantages and disadvantages of China Life Xinxiang Golden Annuity.

The most important thing before applying for insurance is to have a detailed understanding of the advantages and disadvantages of insurance products, to see if the insurance terms can meet the insurance needs, the following is an analysis of the China Life Xinxiang Jinsheng Annuity Insurance launched by Chinese Life, and take everyone to understand the advantages and disadvantages of this annuity insurance.

1. Advantages. Comprehensive protection: The insurance products include death benefit, maturity payment, special survival insurance benefit and survival insurance benefit, which is more comprehensive than other annuity insurance products in the market.

Access to sufficient funds: Insurance products can be matched with three universal accounts to help increase the value of funds, and insurance benefits will be fixed every year after 5 years of insurance, which can ensure the retirement life.

Flexible payment methods: insurance products provide insured users with three payment methods: 3 years, 5 years and 10 years, and the amount of annuity payment is different for different payment methods, so users can plan reasonably according to their actual situation.

2. Disadvantages. One thing you need to pay attention to when applying for insurance is that this product does not disclose the cash value of Youran, so it is impossible to estimate the total amount of compensation when surviving.

It is necessary to pay a pension and fight for scum.

After all, with a pension, your retirement life is secure. Hundreds of millions of people have purchased pension insurance, some of whom have purchased employee pension insurance, while the rest have purchased pension insurance for urban and rural residents.

Many people say that paying endowment insurance is a sure way to make money and not lose money, and the benefits of participating in endowment insurance.

Personally, I believe that participating in endowment insurance is a sure thing, because after retirement, the basic fiber insured can not only get back the part of the individual payment, but also get the part of the state subsidy. The basic pension of Chinese retirees will be adjusted every year, and after participating in the pension insurance, they can also enjoy the treatment of adjusting the pension stipulated by the state after retirement.

For employees or flexible employees, it is still necessary to purchase pension insurance. First, the pension can ensure the basic livelihood of the individual, and second, it can reduce the burden on the children. Nowadays, young people's own life pressure itself is relatively large, and if they rely entirely on their children to provide for the elderly, the pressure on their children is also very great, so participating in pension insurance is also to reduce the burden on children.

Both are good, buy according to your own situation.

1. The social security premium will increase every year, while the commercial insurance premium will remain fixed.

2. Social medical insurance cannot be exempted from premiums, and in the event of a major illness, social medical insurance still needs to continue to pay money, while commercial insurance has an exemption function, and the insurance company pays the remaining premiums on behalf of the insurance company.

3. Social medical insurance liability is limited, and there are many uninsurable liabilities, such as some drugs (new drugs, imported drugs, expensive drugs, etc.) and some diagnosis and treatment items are not within the scope of reimbursement, and then traffic accident injuries, injuries caused by food poisoning, injuries caused by medical accidents or other liabilities, and important organ transplantation are not within the scope of insurance;

Commercial insurance can be reimbursed by 100% of the sum insured, and there is also an allowance type insurance to make up for the loss of income and part of the medical expenses caused by sick leave.

4. Social endowment insurance products belong to the scope of responsibility, and both enterprises and individuals need to pay social endowment insurance. As long as the payment of social pension insurance is completed regularly and quantitatively within the scope permitted by law, then after 15 years of payment period, and at the same time reach the retirement age, you can receive basic old-age security to ensure the stability of old age.

Commercial insurance has become a supplement to social insurance. The main purpose of domestic commercial insurance is to obtain higher profits, while social insurance is mainly guaranteed, and commercial insurance is mainly profitable.