What kind of insurance can a 45 year old farmer buy?

If you have a unit, you can participate in the insurance in the form of a unit. Otherwise, you can only refer to rural endowment insurance.

Apply at the local rural pension insurance management center (village office), and the procedures include ID card, household registration booklet, premium, etc.

As a rural area, you can participate in the rural endowment insurance in the pilot area, and its payment is based on the net income of local farmers last year, divided into 5 grades, 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, in principle, it is more to pay, and the more you can receive in the future.

Both their contributions and receipts will increase with the improvement of their standard of living.

At least 15 years of payment are required, and if the payment period is less than 15 years, you can apply for supplementary payment;

At the same time, the state also stipulates that the retirement age is 60 years old, and the retirement age is 60 years old, and it is paid monthly to life.

It is also carried out according to the principle of paying more and getting less, which is only a pension subsidy, and other ways need to be taken to assist in solving the pension problem.

Its pension is composed of a basic pension + a personal account. The state subsidy for the basic pension is 55 yuan, and the personal account pension = (total personal payment + interest) 139 months, the personal account is determined according to the grade of the payment, so the specific amount of the monthly payment is determined according to the amount of the payment.

Attend local rural medical care first.

If you have money, health and health, you can buy any commercial insurance:

Accident insurance, critical illness insurance, hospitalization medical insurance, accident medical insurance, pension insurance, and so on can be bought.

You can buy insurance LZ, as long as you have enough money.

Rural medical insurance is a welfare benefit of the state, which can be consulted and handled by the village committee. (similar to social security for people in the city).

Commercial insurance, medical insurance, accident insurance, and endowment insurance can all be done at this age, but each insurance company is different, and the scope of protection is different.

Hello, Chinese Shou Suzhou Wang Zhonghua answers for you.

Accident insurance. Pension insurance.

Critical illness insurance.

Summary. Hello, I am very happy to answer for you that 45-year-old farmers can buy pension insurance need to pay for 15 years, and people under the age of 45 must pay for more than 15 years, and for 45 59-year-olds, there is no longer a minimum payment period, only annual payment is required, and you can receive a monthly pension at the age of 60. The national new rural social endowment insurance divides the annual payment standard into 5 levels, namely:

100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan. Retaining the two grades of 600 yuan and 900 yuan, which are higher than the national standard, is to encourage more payment and more income, and to lay the foundation for gradually narrowing the treatment gap between various pension insurance systems. Examples:

An insured person who chooses to pay 900 yuan annually can receive pension insurance benefits of 194 yuan per month when he is 60 years old, according to the static calculation of the current method, and the payment for 15 years; After paying for 30 years, you can receive 353 yuan of pension insurance benefits per month; After paying for 44 years, you can receive 558 yuan per month for pension insurance.

Can a 45-year-old farmer buy pension insurance.

Hello, I am very happy to answer for you that 45-year-old farmers can buy pension insurance need to pay for 15 years, and people under the age of 45 must pay for more than 15 years, and for 45 59-year-olds, there is no longer a minimum payment period, only annual payment is required, and you can receive a monthly pension at the age of 60. The national new rural social endowment insurance divides the annual payment standard into 5 levels, namely: 100 yuan, 200 yuan, 300 yuan, 400 yuan, and 500 yuan.

Retaining the two grades of 600 yuan and 900 yuan, which are higher than the national standard, is to encourage more payment and more income, and to lay the foundation for gradually narrowing the treatment gap between various pension insurance systems. For example, an insured person who chooses to pay 900 yuan annually can receive 194 yuan per month according to the static calculation of the current method according to the current method, and the payment for 15 years can receive pension insurance benefits of 194 yuan per month; After paying for 30 years, you can receive 353 yuan of pension insurance benefits per month; After paying for 44 years, you can receive 558 yuan per month for pension insurance.

I am a farmer, 45 years old, can I still buy pension insurance at the Human Resources and Social Security Bureau?

Hello, I'm glad to be able to answer for you, 45 years old, or can buy pension insurance at the Human Resources and Social Security Bureau, I hope mine can help you.

What kind of insurance is suitable for 45-year-old ordinary people to buy should be analyzed on a case-by-case basis.

1. Accident insurance: Accident risks are everywhere, if you are in the stage of "old and young", once you are in danger, it will be a heavy blow to yourself and your family, and it will cause a certain economic burden. Therefore, it is necessary to buy a suitable accident insurance to avoid risks.

If you regularly use various means of transportation, you should choose a comprehensive accident insurance; If you are the breadwinner of the family, the sum insured should be set at about 10 times your annual income.

2. Health insurance: Disease has become a major killer of human beings, 45 years old belongs to the stage of struggle, it is more likely to suffer from diseases due to stress, irregular work and rest, etc., so it is necessary to buy a health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have average economic conditions, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance.

3. Pension insurance: If accident and health protection have been improved, 45-year-old people should buy pension insurance as soon as possible if they want to make their quality of life more secure, so as to avoid the dilemma of having nothing to rely on.

Test your anti-risk index, experts will interpret it for you for free!

The average 45-year-old can consider purchasing the following insurance:

1.Basic social security: including social security for urban workers, social security for urban and rural residents, insurance for 45 years old, retirement age of 5 to 15 years, payment of Li Min's basic social security is too late, and the retirement age has not been paid for 15 years, which can be extended or supplemented;

2.Million Medical Insurance: It can cover inpatient medical expenses, outpatient surgery medical expenses, special outpatient medical expenses, and outpatient and emergency medical expenses before and after hospitalization. Premiums are cheap, the amount of coverage is high, but the deductibles are high, which can be used to cover the risk of serious illness;

3.Small medical insurance: For example, outpatient and emergency insurance is a small medical insurance, which can be used to deal with the risk of minor illnesses;

4.Critical illness insurance: It mainly protects against serious diseases such as malignant tumors and paralysis.

Although 45-year-olds can have some physical problems, they are still more likely to pass health notifications than 50- or 60-year-olds. The older a person is, the higher the likelihood of a serious illness, so you can consider taking out critical illness insurance;

5.Cancer prevention insurance: It can mainly protect malignant tumors, and the health notice is more relaxed than that of serious illness insurance;

6.Comprehensive Accident Insurance: It mainly covers sudden death, death or disability in traffic accidents, death or total disability of notifiable infectious diseases;

7.The survival or death of the life insurer is the condition for the payment of insurance money, and it has the function of property directional inheritance and savings;

8.Commercial endowment insurance: such as pension insurance, the annuity can be paid after the insured survives safely to the age of annuity payment;

9.Most of the inclusive commercial supplementary medical insurance can be purchased as long as there is local chain medical insurance, which can be used as a supplement to basic medical insurance.

Hello! I don't know what the health of the elderly is, so I can only give you general advice here, hoping to provide some help.

Under normal circumstances, as far as commercial insurance and social insurance are concerned, it is recommended that you first improve the appropriate NCMS and NCMS for the elderly at the township rural insurance office in your hometown, which are the most basic types of social security.

Then, according to the actual situation, you can give them a suitable commercial insurance as a supplement, it is not recommended to buy commercial pension insurance, the underwriting rate is too high, it is not cost-effective, it is recommended to choose the appropriate accident insurance and health care insurance as a supplement.

Here, it is recommended that you can combine the actual situation of the elderly and compare and choose specific suitable insurance products on (), hoping to provide you with some help.

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

Hello. I don't know if you are a child or yourself, but you have to buy insurance according to your family situation.

It is recommended that there is a guarantee at the age of 50, that is, to buy critical illness insurance, now there is no need for a physical examination at the age of 50, and a physical examination is required at the age of 51, so try to buy it as early as possible when there is no birthday at the age of 50, and there are few physical examinations at the age of 51.

Why buy critical illness insurance, because the pension insurance itself is relatively old at the age of 50, and the insurance is a long-term and stable income, so if you buy pension insurance, you can see the greatest benefits at the age of 70, so if you can not take the 20 years of time, it is good to buy pension insurance, because it will benefit you very much in the future.

Critical illness insurance is a function of protection, if you are younger, you can use it as a supplement for the elderly in good physical condition in the future, but at the age of 50 is a guarantee, it is a guarantee for the family, and it is also a guarantee for yourself to ease the burden on the family, there is a critical illness protection, at the age of 50, the longest payment period is 10 years, and it is best to choose to pay for a long time, because there is an exemption function, if it is a critical illness protection, do not take the money, for the future is to leave yourself a sum of money, For normalcy, there is a protection against critical illness.

Accident insurance is a must-have because it is cheap and the protection is high.

So to see if it is a critical illness or a dividend pension, you can discuss it with your family.

Life, Ping An, and Pacific are the top three in the country, so you can choose among them, and don't buy term life insurance, you must have whole life insurance. Also, don't buy universal insurance.

Generally, in rural areas, there seems to be cooperative medical care and some other guarantees, so you must buy them.

If you have any other questions, please contact us in detail, or send a message to me.

I use my expertise for your questions and would be happy to help.

Li Yang, Senior Business Director of Pacific Life Dalian Branch.

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