Why buy pension insurance?

Hello! Generally speaking, pension insurance means that when we are young, we pay a sum of money first, and when we are old, we can receive a certain pension at the agreed time point to subsidize our pension life.

As for how much you have to pay when you are young, you can set it yourself, of course, the more you pay when you are young, the more you will receive when you are old.

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

There are also two main benefits to choosing pension insurance.

1. Steady value-added, that is, how much money we invest and how much income we can get in the future are all stipulated in the black and white contract, and this money is increased by compound interest.

2. Forced savings, for many young people, when they are young, they have a sum of money in their hands, and if they do not have a very strong self-control ability, it is easy to use it easily.

In general, the biggest feature of commercial pension insurance is steady appreciation and special funds, which can effectively help us achieve long-term savings and reserve pensions in advance when we are young.

1. What is pension insurance?

Pension is a kind of annuity insurance, after the completion of the prescribed payment, the insured from the agreed pension age (such as 50 or 60 years old) to receive a pension, can be received on a monthly basis, annually, or a lump sum, can be used to make up for the needs of old age.

You can choose a certain number of years of pension (such as 15 years, 20 years); You can also choose a product with no fixed number of years and a lifetime payment, which can be received until the death of the insured.

2. Is it necessary to buy pension insurance?

When preparing for retirement, we usually plan the portfolio from three aspects: social security, commercial pension insurance, and personal asset reserves. Among them, pension insurance has the characteristics of safety and stability, clear returns, and special funds, and has an irreplaceable role in the portfolio.

1. Safe and robust.

When choosing a pension preparation method, safety and stability are the highest priority considerations, and on the basis of security, we should seek a moderate expected return. Many people will find that they lack the experience and skills of professionals when they make personal pension savings, and it will be difficult to ensure safety. The advantages of security and stability of pension insurance are particularly suitable for playing a role in pension planning.

2. The return is clear, which is conducive to planning.

Pension insurance, especially the traditional annuity insurance with fixed returns, the future return is written in black and white in the contract, and the annual payment, the agreed time and amount are clear at a glance. When planning for the elderly, it is easy to calculate how much you need to supplement through the pension and how much you need to pay according to your future expenses.

It should be noted that in addition to traditional annuity insurance, there are also participating and investment-linked pension insurance products. In addition to fixed returns, these two types also have certain expected returns, which will fluctuate according to the operating conditions of insurance companies or market conditions.

3. Compulsory accumulation, special funds.

After the completion of the pension plan, it takes a long time to implement, and in the process of implementation, it will inevitably be diverted for other purposes for various reasons. After participating in the pension insurance, we need to pay the premium regularly every year, which can play a certain binding role, forcing us to accumulate the goal of pension, so that the special funds are dedicated, and at the same time, we need to be more rational and more planned when consuming.

In the planning and preparation of the pension, if we need a simple, stable, safe, special fund operation mode, pension insurance is still very necessary and indispensable. Only with reasonable planning and persistent implementation, we seek a better quality of life for the elderly, and a more decent and leisurely retirement life can be more secure.

With the deepening of China's aging society, the cost of pension is actually increasing year by year, and the pension of social security can be said to be a drop in the bucket in the face of high-quality pension demand. Old-age care has become something that every young person needs to plan in advance while they are young.

The pension in social security can only maintain our basic pension needs. If we want to get a higher quality of old-age life security, we still need to buy commercial old-age insurance.

2. The sooner we do a good job in endowment insurance planning and the sooner we buy commercial endowment insurance, the more we can increase our income for our old age, reduce the economic pressure of child support, and let us better spend our old age.

Therefore, you can choose the appropriate commercial pension insurance from your own economic situation, long payment period, and your own needs, so as to give yourself sufficient pension security.

So what is pension insurance?

Pension insurance is an insurance that protects the survival of the insured, and the insurer pays a fixed amount of survival annuity (i.e., pension) to the insured regularly and regularly in accordance with the contract until the death of the insured and the termination of the contract, which is pension insurance.

Hope it helps,

Buying pension insurance is reliable, because pension insurance is underwritten by the insurance company, and the insurance company under the strict supervision of the China Banking and Insurance Regulatory Commission, does not dare to arbitrarily out of the "moth", not to mention, when we apply for insurance, we will sign an insurance contract with the insurance company, the contract has legal effect, as long as the insured has the situation specified in the contract, the insurance company will pay the insurance money. So, you don't have to worry about reliability.

When you buy pension insurance, you should pay attention to see whether the product provides a guaranteed payment.

Guaranteed payment, that is, if the insured unfortunately passes away within the specified guaranteed payment period, resulting in not receiving the full annuity payable within the guaranteed payment period, the insurance company will give the remaining unpaid annuity to the beneficiary in a lump sum.

In other words, with guaranteed coverage, the rights and interests of the insured will not be compromised.

At present, the guaranteed period of different pension insurance on the market will be different, for example, some products are guaranteed to receive the period of 10 years, some are 20 years, etc., so if the other insurance conditions of the two products are almost the same, then you should try to choose the one with a longer guaranteed period.

Here the senior sister also found a pension insurance that can be guaranteed to receive 20 years, it is Yu Qi is the pension insurance of the rich family under everyone's insurance, this product not only guarantees a longer period, but also the pension can be divided into annual and monthly pensions, so that the policyholder can choose freely. If you are interested in the pension insurance of the rich home, you can take a look at the expert version of the evaluation article: The secret of the pension insurance income of the rich family is revealed!

A must-see before you buy! In addition, you can also pay attention to whether the product has a universal account.

Under normal circumstances, if there is a universal account, the insured can put the annuity received into the universal account for compound interest and appreciation, and then withdraw it when necessary.

However, if there is no universal account, the insured may lose an opportunity to "make money".

Finally, considering that there are countless pension insurance products on the market, some friends will not know which one to buy, so the senior sister specially compiled a list, which are all cost-effective products, you may wish to refer to the top ten commercial pension insurance points in terms of cost performance!

Annuity insurance is a very reliable commercial endowment insurance.

If you want to know whether you are suitable for annuity insurance, you can click to make an appointment for one-on-one insurance planning service. Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

Annuity insurance has the functions of compulsory savings, risk avoidance, asset segregation, and wealth inheritance.

Specifically: Forced savings:

Although the flexibility of annuity insurance is slightly weaker, the advantages of compulsory savings can be realized at this time for people who spend lavishly and need to control their own consumption and save a sum of money for future pension and children's education.

Risk aversion: We often say that "you can't put all your eggs in the same basket", which is the principle of reasonable asset allocation.

Household asset allocation requires not only a small amount of high-risk and high-return investment, but also capital preservation and stable appreciation. For middle-class families, annuity insurance is a moat.

Asset Segregation Wealth Inheritance:

Annuities also have a special function, that is, they can realize the safe inheritance of assets.

Paragraph 3 of Article 23 of the Insurance Law stipulates that no entity or individual may restrict the right of the insured or beneficiary to obtain insurance money.

For example, parents can purchase annuity insurance when their children get married to solve the problem of property preservation and inheritance. Self-employed business owners can also effectively separate their family property from their business property by purchasing annuity insurance.

After providing basic health and accident protection, if there is a surplus, you can consider using pension insurance to plan your pension needs, so that you can get a better retirement life in the future.

As for the specific configuration, it has to be considered according to our actual budget.

People who have plans for the future.

All bought annuities.

30-year-old banking and financial industry annuity plan.

Why buy annuity insurance for 10 years financial practitioner answer.

Dinner with colleagues today:

His troubles: The living security is enough, and he still has some spare money in his hand and doesn't know how to manage his money to increase his income.

Buy all** worry about too much risk, deposit in the bank and feel that the return is low!

I asked him what he planned to do after he grew his finances.

He blurted out: As a child's education fund, he also set aside some pension money for himself.

Annuity insurance can solve your troubles very well.

What can annuity insurance do?

Pension: Relying only on social security for the elderly, it is far from enough for the pursuit of quality and happiness in old age, if you want a decent retirement life, you need to plan in advance:

Annuity insurance is purchased when you have the ability to pay as a supplement to your pension.

Children's Education Grant:

To provide superior educational resources for children, taking going abroad as an example, it is necessary to spend a certain amount of money at a certain time, if it is not mandatory to save only through savings, and the bank interest rate is relatively low.

At this time, annuity insurance is a better choice.

Wealth inheritance: For high-net-worth individuals, if they leave other assets such as real estate and ** to their descendants, not only the inheritance process is extremely cumbersome, but also inheritance tax may be charged.

By purchasing insurance, you can achieve the purpose of reasonable tax avoidance for the inheritance of wealth.

Protect the private. For debt settlement. In the event of asset freezing, marital reorganization and other events, insurance also has the role of protecting personal private assets.

What are the characteristics of annuities?

Stable and guaranteed with code fibrillation.

Compared with bank wealth management products and P2P products, investors may encounter the risk of not guaranteeing the bottom, but the annuity will not.

Stable returns. The vast majority of annuity insurance has a guaranteed interest rate, and the income is guaranteed.

Solve the financial pressure.

According to the relevant regulations, annuity insurance has the function of policy borrowing, which can lend 80% of the cash value of the policy, and the quick payment is not on the credit report.

The rule of retirement: control consumption appropriately, increase savings, work hard to make money, and invest prudently.

Under the influence of inflation, although the pension is continuous, the cost of living for the elderly has gradually increased. And with the increase of age, the physical functions of the elderly will decline, which will inevitably increase the demand for medical treatment. As an inclusive social welfare, medical insurance can only provide the most basic protection.

Due to the restrictions of reimbursement ratio and reimbursement scope, many specific drugs and imported drugs are not covered by the insurance.

In the face of the sharp decline in income in old age and the increase in medical demand, relying only on the pension and basic medical insurance issued by the state is far from enough for the imaginary quality of pension life. For ordinary people, if they want to build a sense of security for the future life of the elderly, they cannot pin all their hopes on the country, and they must carry out pension planning as soon as possible. However, it is worth noting that in a complete pension plan, commercial pension insurance is undoubtedly a solid foundation, which can make up for the lack of social pension to a certain extent, and lay a solid economic foundation for a happy life in the future as much as possible.

Configure pension insurance, as long as you pay the premium on time and quantitatively every year after insurance, and wait until the time agreed in the contract to receive the insurance money, which saves trouble and worry, and can also avoid the funds being used for other purposes. And the "compound interest effect" can be clearly reflected through long-term commercial insurance such as pension insurance, the longer you live, the more you receive, the more secure the quality of life, and the continuous and stable cash flow, so that people do not have to worry about the problem of being old and dragging down their children. In addition, when people enter the age of 60, the incidence of various diseases is high, and the embarrassment of looking down on the disease also occurs from time to time.

When you are young and have the ability to earn money, you can not only bear part of the medical expenses, but also enjoy convenient medical resources such as green channels for medical treatment and scarce experts, so as to strive for greater health protection for yourself.

In the face of the biggest "retirement wave", we must actively take measures to deal with the pension crisis, rather than being passive. Play your role in all walks of life and actively pay social security. At the same time, according to their own pension needs, build the third pillar of pension as soon as possible to avoid the embarrassing situation of old age and prepare for a happy old age.