How is the pension security of Ping An Insurance It is best to recommend one

If it is only for the elderly, you should choose a special pension insurance, but this must be general, depending on the company's income! This is all about you. It's not just fame!

How do you want to protect your retirement in the future? How much do you need to spend monthly? It is recommended that you spend 10-15% of your annual income on insurance. If you have a good ability to pay, you can consider Ping An's "Jinyu Life" dividend type. The second is the universal type.

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Without personal specifics, it's hard to decide which one is right for you.

Age, gender, income or budget, pay attention to financial management or pension or security, and prefer to return or dividends. If you want to pay a monthly pension, it will be paid once a year, or it will be paid in a lump sum. You can give these basic information. Otherwise, it would be irresponsible to say anything.

PICC's harmonious life universal insurance is very good.

Ping An has many good endowment insurances, such as Ping An Fortune Jinrui 21, Jinli Annuity Insurance, Fortune Jinrui 20 Edition and so on.

In addition to Ping An's pension insurance, you can also pay more attention to the pension insurance of other insurance companies, see here: "Fude Life Leads Duoduo: 60 years old can also save pension!" 》

Dad introduces a Ping An pension insurance - Ping An Fortune Jinrui 21.

1. Take into account income and illness protection.

The general annuity insurance is mainly based on income, and there is no protection for illness, so Daddy has always reminded everyone to make the disease protection first when configuring annuity insurance.

However, in addition to the benefits, this Fortune Jinrui 21 can also choose to be covered by mild illness and surgical allowances.

2. The guarantee time is short and the return on investment is fast.

Ping An Fortune Jinrui 21 is different from general annuity insurance, its payment period can only be selected for 3 years, and other annuity insurance has at least two terms to choose from, such as 5 years and 10 years.

The protection period is also relatively short, and you can receive the maturity payment in 8 years, such as Fortune Jinrui 21, which expires in 8 years, which belongs to short-term annuity insurance.

In addition, there is also a list of pension insurance here, please see: "Popular annuity insurance evaluation in July: there are these ones with good returns!" 》

3. The annualized interest rate of Jucai Bao 20 is high.

Although this product can be attached to the universal account, we all know that the general universal account does not guarantee the income, there is only a guaranteed income agreement, the guaranteed rate of return of Jucaibao 20, the mid-range income, and the high-end income is 6%.

If you don't know which Ping An annuity insurance to choose, it is recommended that you consult a professional planner to solve your insurance problems

In order to ensure the living needs of this part of the people, the state has launched an endowment insurance system to provide a stable life for this group of people, and to force people to save for endowment insurance when they are young. The emergence of endowment insurance is conducive to the normal intergenerational replacement of the labor force, when the elderly retire, the new growth of the labor force is smoothly employed, to ensure the rationalization of the employment structure. For in-service workers, participating in endowment insurance means that they have expectations for their future life after old age, eliminating the worries of this part of the people, and the society will be more stable and less impetuous, which is conducive to social development and sustained economic growth.

However, the scope of the state's endowment insurance is limited after all, and some people have purchased some insurance companies' endowment insurance products in order to make their old age more comfortable.

What are the pension insurances of Ping An? Which is better? First of all, there is a question about Ping An Pension Insurance.

Pension insurance products from another point of view is also a kind of investment and wealth management products, the current market of life insurance products can be divided into dividend, universal and investment-linked type, due to the characteristics of the product, even investment insurance products are not as popular as participating and universal insurance products. As far as Ping An Pension Insurance is concerned, the best sales volume is first of all participating insurance products, followed by universal insurance products. In addition to what are the Ping An pension insurance, which is the best Ping An pension insurance?

Among the more well-known Ping An pension insurance products, there are several well-known such as Ping An Lifetime Worry-free Annuity Insurance (dividend), Ping An Golden Annuity Insurance (dividend), Ping An Love Lifetime Pension Insurance (dividend), and Ping An Yixiang Life Pension Insurance (universal type). Among them, Ping An Worry-free Annuity Insurance products have the functions of annual annuity, double pension, lifelong returns, annual welfare dividends, and multiple personal protection.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Because this is the most cost-effective insurance. It is a social insurance that is uniformly stipulated by the state, planned as a whole, and continues to pay contributions and receive pensions from generation to generation.

Individuals who meet the minimum contribution requirement of 15 years can retire and receive a pension when they reach retirement age.

Q: Which company should I go to to buy this insurance?

Do you want to go to a specific insurance company? Is there a recommended insurance company? Need to buy one.

Bring the above documents: ID card, household registration book, and your own one-inch bareheaded color** to the local social security agency. There are dedicated windows there.

The first thing you do when you arrive at the window is to see which level of pension insurance you want to pay, and the national pension insurance is divided into 100 yuan to 1000 yuan per person per year. After the age of 60, the amount of pension insurance for each stall is also different, and after choosing a good stall, fill in the "New Rural Social Pension Insurance Payment Schedule" and write your information clearly. In addition to the amount you pay, the state will also give you a corresponding subsidy.

Once you have filled out the form, the staff will issue you a special receipt. The amount is clearly written on it.

In this way, the whole process is over, every year you have to come here to pay your own pension insurance, and when you are 60 years old, you can lead to the corresponding pension insurance, the state requires that you must pay enough for 15 years, if you pay less than 15 years, you must pay enough for 15 years.

There is no most cost-effective bargain only suitable for yourself, which needs to be determined according to your age, economic situation, and some of your own circumstances.

Q: Which is better, Ping An's pension insurance or social security?

The question of which is better, Ping An's endowment insurance or social security, is better for social security, because social security contains a wide range of content, and it itself includes endowment insurance. The main content of social security: endowment insurance:

Endowment insurance is a social insurance system in which workers receive certain economic compensation and material help and services from the society after reaching the statutory retirement age; Recently, Li Jinghu, deputy secretary-general of the China Medical Insurance Research Association and deputy director of the Social Security Research Institute of the Ministry of Human Resources and Social Security, said that private medical institutions are treated equally, and are included in the designated scope of basic medical insurance according to certain conditions. The basic medical insurance system for urban workers is a social insurance system established to ensure the basic medical needs of employees based on the affordability of finance, enterprises and individuals. Workers' Compensation Insurance:

Work-related injury insurance is also known as occupational injury insurance. After a worker is injured in an accident due to work reasons and in the course of work, or suffers an occupational disease caused by exposure to occupational hazards such as dust, radiation, and toxic substances, the State and society shall provide necessary material assistance to the injured or disabled person, as well as the relatives of the deceased person who supported him before his death; Unemployment insurance: Unemployment insurance is a system that is enforced by the state through legislation, established by the society in a centralized manner, and provides material assistance to workers who temporarily interrupt their lives due to unemployment; Maternity Insurance:

Maternity insurance is based on the physiological characteristics of childbirth behavior, according to the law of maternity insurance, when the number of working women leaks due to the birth of children, resulting in the temporary suspension of work, loss of normal income**, by the state or society to provide material assistance. Maternity insurance benefits include maternity allowance and maternity medical services.

Legal Analysis:1Ping An Xinxiang Insurance (Participating)Ping An Xinxiang Insurance (Participating) mainly provides 150,000 yuan of death insurance and 100,000 yuan of maturity survival insurance, and can also enjoy dividends.

It has a term of 20 years, 30 years, "up to 55 years old", "up to 60 years old" and "up to 65 years old". The annual premium range is about 10,000 yuan.

2.Ping An Happy Pension Savings Plan.

The pension provided by Ping An Happy Pension Savings Plan has two guaranteed payment periods: "guaranteed for 20 years" and "guaranteed for 30 years", and if the insured is still alive after the guaranteed payment period, he can continue to receive it for life, which is guaranteed for life. The annual premium range is between 10,000 and 10,000 yuan. 3.

Ping An Fortune Linked InsurancePing An Fortune Linked Insurance is a lifelong investment-linked life insurance plan that also provides critical illness and accident protection. The insurance period is lifelong, and the annual premium range is between 10,000 yuan. 4.

Wisdom Vitality Health Insurance PlanWisdom Vitality Health Insurance Plan provides Death Benefit, Accident Benefit, Critical Illness Benefit, Accidental Medical Treatment, and Premium Waiver. It can protect the whole life, and the annual premium range is mainly between 240,000 yuan. 5.

Ping An Fortune Life Annuity Insurance (Participating)Ping An Fortune Life Annuity Insurance (Participating) provides death insurance, survival insurance, accumulated survival insurance and dividends. The insurance period is lifelong, and the annual premium range is between 10,000 yuan. 6.

Ping An Goldlito Insurance (Participating)Ping An Goldlito Insurance (Participating) provides sickness and accidental death benefit, including death benefit, accidental death benefit, maturity survival benefit and bonus dividend. The insurance period is 6 years, and the annual premium is generally about 10,000 yuan. 7.

Ping An Jinbaopen Insurance (Participulation)Ping An Jinbaobo Insurance (Participus) provides accidental death benefit and death benefit for blind diseases, death benefit and maturity survival benefit, as well as dividend. The insurance period is 10 years and 15 years, and the annual premium is basically about 10,000 yuan. 8.

Ping An Lifetime Worry-Free Annuity Insurance (Participating)Ping An Lifetime Worry-Free Annuity Insurance (Participating) provides death benefits, survival insurance benefits, accumulated survival insurance benefits and dividends. Lifetime protection and annual premium range are between 10,000 yuan.

Legal basis: Social Insurance Law of the People's Republic of China Article 16 Individuals who participate in basic old-age insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive a basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.