After 15 years of pension Baolong, if you buy it again, can you buy it for as long as you want?

After 15 years, as long as you have not reached the statutory retirement age, you can continue to purchase endowment insurance, and you need to retire when you reach the statutory retirement age. At present, men are 60 years old, female cadres are 55 years old, and workers are 50 years old. Depending on the specific situation of the individual, the longer the pay, the higher the base, the higher the retirement salary!

The pension insurance has been paid for 15 years, and if the age of men is 60 years old, women can no longer pay it at the age of 50. Pension insurance is not something you can buy for as long as you want.

No. If you make up the payment, it will be up to your retirement age.

It's not just something you buy.

If you do not reach retirement age, there is no problem at all if you want to continue to pay this pension insurance, and you can receive a pension until you retire. So, your question is doable.

If you buy until you reach retirement age, you can't buy it if you want to buy it until retirement age, so you can only retire and receive pension salary.

Yes. You can continue to pay contributions until you reach the statutory retirement age, and you cannot continue to participate in the insurance and pay contributions after the statutory retirement age, unless you have reached the statutory retirement age but have accumulated contributions for less than 15 years.

No, according to the provisions of the Labor Law, the upper limit of pension insurance is 60 years old for men, 50 years old for women, and 55 years old for female cadres.

Of course, you can buy the pension insurance that you start to take.

When you reach the statutory retirement age, you can apply for retirement, and there is no need to buy it again, after all, retirement is more important, and paying pension insurance is for retirement, and the pension will increase every year.

Insurance is a financial tool, it is not born to make money, but to help us pass on risks, such as family losses caused by accidents, diseases, etc. For ordinary people, insurance is the most cost-effective leverage tool to pass on risks, and in order to prevent poverty due to illness, we need insurance to protect them.

Significance

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

role

1. There must be risks in insurance. The purpose of establishing an insurance system is to deal with the occurrence of specific dangerous accidents, and there is no insurance if there is no risk. In order to apply the principle of large numbers, the risks that may benefit are not insurable, so commercial insurance institutions generally do not cover such risks.

2. Insurance must provide financial compensation for losses caused by dangerous accidents. The so-called economic compensation means that this compensation is not to restore the destroyed original thing, nor to compensate in kind, but to make monetary compensation.

Therefore, the loss caused by the accident must be economically valuable. In life insurance, the value of the person itself cannot be calculated, but the labor of the person can create value, and the death and disability of the person will lead to the loss of the labor force, so that the income of the individual or his family will decrease and the expenses will increase, so the life insurance is to make up for the increased economic burden with economic compensation or payment, and it is not to ensure that people recover the lost labor force or life.

3. Insurance must have a mutual aid relationship. The insurance system is a method of spreading losses among many units to reduce the losses of disaster-stricken units. Through insurance, the policyholder pays the insurance premium together, establishes the insurance compensation**, and obtains the protection together.

4. The contribution of the insurance must be reasonable. The compensation of the insurance** is shared by the person participating in the insurance, and in order to make the burden fair and reasonable for everyone, it is necessary to calculate the contribution scientifically.

Origin: Human society has been faced with natural disasters and accidents since the beginning, and in the process of fighting against nature, ancient people came up with the idea of insurance to deal with disasters and accidents and the original form of insurance methods.

Around 2500 B.C., the king of the ancient Babylonian kingdom ordered monks, judges, village chiefs, etc., to collect taxes as funds for fire relief. Ancient Egyptian stonemasons established funeral mutual aid organizations to settle the funds for burials by paying membership dues. In the era of the ancient Roman Empire, soldiers organized to provide living expenses for the bereaved families of fallen soldiers in the form of fund-raising, and gradually formed an insurance system.

With the development of **, around 1792 BC, it was the time of Hammurabi, the sixth king of ancient Babylon, commerce flourished, in order to aid commerce and protect the caravan of mules, horses and goods for compensation for the loss, in the Code of Hammurabi, the clause of common apportionment of compensation for losses was stipulated.

The meaning of buying insurance is to transfer the risks around us, life is very fragile, and people are not calm in this life. Risks and accidents can occur at any time. In the event of an accident, it can cause huge losses.

Insurance is all about reducing losses. The function of insurance can protect against illness, accidents, medical and pension risks.

The significance and function of insurance can be seen from the following points:

1. It can reliably guarantee the life of the elderly.

Older people have reduced physical functioning and are no longer able to work as they did when they were younger, and it is difficult to maintain a normal quality of life if they do not have enough living expenses. Raising children to prevent old age is the traditional old-age thinking of Chinese, but modern society is fiercely competitive, stability is not easy, and it is unknown whether children will have the ability to care for the elderly when they grow up.

But insurance is different, it can at least guarantee everyone a **, pay insurance premiums as if accumulating alimony for yourself, to a certain period of time you can receive a pension in accordance with the provisions of the insurance contract, to ensure that life in old age is worry-free.

2. Strong protection in case of illness and disability.

In the journey of life, diseases and accidents are the most unpredictable. In the event of an accident, illness and disability will encroach on labor, resulting in reduced or deprived income, and the ensuing high medical expenses will increase the burden on the economy. The purchase of life insurance can supplement the lack of social security, reimburse the part that cannot be insured by social security, provide economic security for the insured when he is sick and disabled, and can get effective ** when an accident causes illness and disability, so as to avoid the phenomenon that the quality of life of the whole family is not guaranteed when one person is sick or the family returns to poverty.

3. It has the function of saving and taking precautions.

Saving is both a means of preparation and a means of accumulation, which plays a role in preparing for a rainy day. They are all the actual needs of modern people, usually the insurance premium payment method is generally divided into annual and monthly payment, some products in the expiration of the insurance period, to meet the conditions of the insured insurance company will return the premium paid in proportion. It is equivalent to saving, and it is also a virtue to be able to get your money back, and it is a preparation for a happy life in the future.

4. Insurance usually has three functions: economic compensation, financial integration and social management functions, which are organically linked.

The severance function is a basic function and is the most obvious feature that distinguishes insurance from other industries. The financial integration function is generated on the basis of the economic compensation function, and the social management function is an important function that is extended after the insurance industry has developed to a certain extent and penetrated into many levels of social life.

Insurance is a type of insurance that takes a person's life and body as the subject matter of insurance. Generally speaking, life insurance is insurance that solves the economic problems caused by injury, old age, sickness, disability and death. The function of insurance

Insurance is to provide for old age, medical treatment when sick, and treatment for accidents. There is something to be left behind for the dead and something to rely on for the remnants. It is not to get rich, but to avoid becoming poor due to unexpected illness and old age.

Insurance is not meant to change lives, but to prevent lives from being changed.

According to the function, it can be divided into life insurance, critical illness insurance, medical insurance and accident insurance

1.Life Insurance:It is a matter of death, whether it is death due to illness or accident, or suicide after the second anniversary of the policy, you can get the agreed sum insured.

Life insurance is mainly for people with working income, and it solves the problem of the fall of the income pillar so as not to bring difficulties to the family's life.

2.Medical Insurance:It solves the problem of reimbursement of hospitalization** expenses caused by illness and accident.

At present, most of the million-dollar medical insurance has hospitalization green channel service and hospitalization advance payment service. It's really a lot better than before, at least you don't have to make up your own money first**, and then reimburse after you are discharged from the hospital.

3.Critical Illness Insurance:The solution is that after a serious illness, the first thing is to have a sum of money to rest assured**, and the second is to solve the problem of family living expenses.

After a person is sick, he needs several years of recuperation, but the family's car loan and mortgage, raising children, and supporting the elderly still need to continue to spend. This insurance is suitable for both adults and children.

4.Accident Insurance:Bear the insurance liability for death, disability, medical treatment and other insurance caused by accidental injury. Accidental injuries must meet the four major factors of external, sudden, unintentional and non-disease.

Xueba said that he was concluded

The senior sister introduced the basic knowledge of life insurance, health insurance, and accident insurance according to the function of insurance.

Of course, with this knowledge, it is still difficult to choose the right product in the mixed insurance market, and carefully read the following strategy before buying insurance, which can save you tens of thousands of dollars in unjust money: super complete! Everything you need to know about insurance is here.

There are so many insurance companies in China, including Ping An, Chinese Life and Pacific Insurance Company, etc., you can first look at the top ten rankings to understand:Freshly baked! China's Top 10 Insurance Companies Ranking!

The most famous insurance companies in China are mainly Chinese Life, China Pacific and Ping An, let's take a look.

1. Chinese life.

It is a large-scale national financial and insurance enterprise. In 2019, the consolidated operating income of the group company was 906.7 billion yuan; consolidated premium income of 697.7 billion yuan; The consolidated total assets exceed one trillion yuan, and it has been selected as one of the Fortune Global 500 companies for 18 consecutive years and the top 500 world brands for 13 consecutive years.

2. China Pacific.

It is an insurance group company established on May 13, 1991 on the basis of China Pacific Insurance Company, headquartered in Shanghai, and is a leading comprehensive insurance group in China. In 2019, the company achieved operating income of 100 million yuan; The group's net profit was 100 million yuan. There are countless products under Pacific, including property insurance, life insurance, asset management, health insurance, Anxin rural insurance, pension investment and so on.

Here is a list of reviews that you can bookmarkPacific Insurance's seven [worth buying] products.

3. Ping An of China.

Founded in 1988 in Shekou, Shenzhen, it is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial and insurance, banking, investment and other financial services.

Copy by scale.

1. Chinese life.

2. Peace. Raid 3, too.

Bai Pingyang.

4. Xinhua. 5. Taiping.

In terms of profit, the first is replaced by peace. zhi

Chinese Life is a state-owned enterprise, with outlets in many rural areas and counties, which is incomparable to other insurance companies. But his compensation is also very high, and the risk management and control are not as good as Ping An, so the profit is not as good as Ping An.

The old three, there are Chinese Life, copy China Ping An, China Taibai Pingyang, the second legion, du Xinhua Life Zhi, Taikang Life, Minsheng Life, etc., the rest of the market DAO share is relatively small foreign and joint venture insurance companies are many, many, plus more than 30 newly opened companies, such as, AIA, Haikang, Xincheng, China and Britain, Sino-American metropolis, Zhongyi, Zhonghong, Jinsheng, Taiping, Life, PICC Life Insurance, Everbright Sun Life, United Media, Allianz Volkswagen, China Insurance Kanglian, Ruitai, Hengan Standard, AVIC Samsung, Pacific Antai, Haier New York, Capital Antai, China Merchants Cigna, Hengkang Tianan, Optoelectronic Risheng, Huaxia, Chinese Life Health Insurance Company, PICC Health Insurance Company, Kunlun Health Insurance Company, Rayford Health Insurance Company, Huatai Life, Golden Harvest Life, Sino-Singapore Great Eastern, all you can think of. There are also Guohua Life Insurance and Xintai Life Insurance and several others are in preparation. I know so much, I don't know exactly which one is good, but I'll know right away!

Chinese insurance company.

1.Chinese life.

2.Ping An Bao Du Insurance

3.New China Insurance.

4.Taikang Life DAO

5.Taiping Inner Ocean Insurance.

6.PICC Life Insurance.

7.Taiping Life.

8.Sunshine Insurance.

9.Life Insurance.

10.People's health.

11.Minsheng Life Insurance.

12.United Life.

13.Happy Life.

14.Guohua Life.

15.Zhengde Life Insurance.

16.Golden Harvest Life.

17.China Life Insurance.

18.Yingda Life.

19.Cindat Life.

20.Great Wall Life.

21.Centennial Life.

22.Kunlun Health.

Foreign-funded insurance companies.

1.Zhongyi Life.

2.Huatai Insurance.

3.AIA.

4.Sun Life Everbright.

5.Sino-British Life.

6.Prudential Life.

7.Central American metropolis.

8.China Merchants Cigna Life Insurance.

9.Zhonghong Insurance.

10.Allianz of China and Germany.

11.Haikang Life.

12.Luen Thai Metropolitan.

13.Hengan Standard Life.

14.Sino-Dutch Life Insurance.

15.Jinsheng Insurance.

16.Ruitai Life.

17.Pacific Antey.

18.Cathay Life.

19.Bank of Communications Kanglian.

20.Sino-Singapore Great Eastern.

21.Haier Insurance.

22.Hengkang Tian'an.

23.AVIC Samsung.

24.China Life Insurance.

25.Longevity.

26.Junlong Life.

27.HSBC Life.