With the aging of society are becoming increasing clear that the old-age insurance for the requirements of increasingly high. China's 153 million elderly people over the age of 60, to enjoy regular treatment only 44,000,000 people, less than one-third. Therefore, to ensure that the quality of life after retirement, the individual's pension is essential to prepare ahead of time, which should be ready to multi-channel and diversified.
People's Insurance Department of Social Security He Ping, director of the Institute recently pointed out that China's current social security system, pension insurance is facing more challenges, one of which is narrow coverage. This reporter has learned that, in the face of weak capital markets, consumers turn to how to preserve and increase assets, at the same time for the future of the retirement pension to prepare for life. And annuity products because of the return of fast, relatively lax nuclear security, many consumers choose to buy the beginning.
China Life president Wan Feng said that the future development of the domestic insurance industry should focus on pension insurance products, while sales from the current market situation, pension insurance has become a consumer hot pursuit. "We have agents in the sale of products, pension products sold the most fire." Huakang insurance agents about who is responsible for the case, told reporters.
Dividend premium to avoid inversion
As the pension insurance is a kind of economic future savings, it must consider the product's return on revenue. Life in Italy recently launched a pension product, for example, a 30-year-old male from consumers since the beginning of insurance, to pay 27,800 yuan each year, paying a total of 20 years, paid a total of 556,000 yuan. Under the contract, the policy-holders since the age of 60 can receive 3,000 yuan per month until death, and to receive protection for 20 years, when his 88-year-old can get 300,000 yuan one-time payment of the Chinese New. In addition, according to enjoy the dividends of companies is operating.
However, reporters found that under the terms of that policy holders must ensure that they can live to 88 years old, in order to receive the additional amount of 300,000 yuan. From the World Health Assembly announced the statistics, China's male life expectancy is 71 years old. If the product contains no bonus features, in accordance with the standard life expectancy, the men will receive a total insured amount of 720,000 yuan annual income of only 1.47 percent. Experts said that the annuity products due to the large time span, and preserve and increase assets from the point of view, the insured should choose a bonus feature of the product, you can ward off inflation, lower than the premium income to avoid the situation upside down.
Concerned about the purchase of the three major indexes
Annuity products on the market today and a large variety of ways to purchase consumers become concerned about. Huakang insurance agency experts said that the public can be concerned about several aspects of the indicators. First, the insurance companies to provide the level of interest rates, higher interest rates to consumers the higher the profit. Secondly, attention should be paid the additional cost of insurance rate and the age deduction, the cost of additional rate policy holders to pay premiums to be deducted from the ratio of insurance companies operating costs, the additional cost of lower input costs deducted from the insured, the lower . The third book from the planning point of view the amount of termination degrees.
Buying tips
1. And the capability to. Streaming and appropriate allocation of their assets.
2. Insured dispersed, when you have no way to determine what an insurance company annuity of the best products, coupled with the different time and age, income needs to change, so can choose to spread insurance in order to ensure the highest value .
3. Insurance products to have sufficient funds to the value of time in order to guarantee the future of the proceeds. That is, that is, payment collar-type products due to the lack of capital accumulation, the lower the value of cash products, usually for a long time before this return.
4. Emphasis on survival pension insurance payments, insurance companies set the death insurance is not high, which is equivalent to the insured to pay premiums or the policy's cash value, so do not count on old-age pension insurance is too high to provide the Protection of the deceased.
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