At present, the investment environment, investors need a stable income, be able to provide better protection, such insurance may only old-age pension insurance
Weekly financial reporters learned that China Life Insurance, American International Assurance (China), Italy, and other life insurance companies focus on the recent launch of their own personal pension insurance. Life and Italy to the information provided by the introduction of new pension insurance, improve the first products, but also to adapt and take advantage of the current market situation. How to market? The new release of the pension insurance What are the characteristics of it? To this end, the financial weekly launched a further investigation.
Old-age pension in their later years, but re-insurance premiums high
Weekly financial reporter's interview with our allies, a senior agent of Mr. Liu, he said: "Compared to other insurance products, pension products, annuities are among the first to address the issue of longevity. That is real life than life expectancy, resulting in lack of retirement costs Can not guarantee the quality of life. "
Mr. Liu said, "individual old-age pension insurance is based on the expectations of customers in their old age pensioners number, is now determined by the amount of premiums paid, and insurance companies to invest each year to enjoy dividends. Through such an arrangement, customers will be able to When he was young accumulated surplus of funds, planning for old age retirement. "
Friendly countries to the newly launched "mid-Jin" personal old-age pension, for example, assume that policy holders to choose an ordinary retirement plan, the insured from the beginning of 60 years of age to receive old-age pension to 88 years of age. "This kind of annuity products for the insured, can guarantee to receive at least 28 years, annuity-type products is a kind of innovation." Mr. Liu said.
Weekly financial reporters have also learned that the product in terms of the contract a few days ago to receive an annuity if the insured person died, unfortunately, the beneficiary will be paid an annual premium by 5 percent simple interest rate increases. "This can be an effective bulwark against inflation," Mr. Liu said.
Another on November 17 launched an annuity products - Italian Life "by heart to enjoy" pension insurance, pension payments for life to adopt a manner to guarantee payment for 20 years, providing customers with a monthly pension for life. "Survival of the concept of security into the pension insurance products, effectively ward off risks, the real customers for old age to provide high-quality protection." Sino-Italian data provided by the Life Insurance wrote.
With regard to the pension insurance adapt to the crowd, the financial weekly newspaper reporter interviewed Miss Wang, a senior insurance agent, she said: "The only adapt to the individual annuity insurance in high-end customers, as higher pension insurance premiums. In accordance with the current average rate, a 35 The old men from 60 years of age to start receiving a monthly pension of 1,000 yuan, to ensure that recipients of 20 years, he will pay an annual premium of about 10,000 yuan for the need to pay for 20 years, 10 years ahead of time if the insured can be saved every year 3000 Yuan premium, so the purchase of insurance annuities, sooner rather than later. "
Pension risk is much lower than even the vote, the Almighty
According to the weekly financial reporters learned that old-age pension insurance is not a new thing, as early as a year or two ago, the insurance companies have been launched, but the general market reaction. To occupy the leading position in the market has been the investment products, in the past two years, selling insurance universal, even for fire insurance, but are not last.
In response, president of insurance in Hong Lin Wen said: "Whatever the vote is universal or even by the capital market too much, even for a good stock market gains have gone bad for the stock market even on a sharp decline in revenue." Lin said, "On the other hand, guarantee the return of pension products, appears to be fairly stable. Will be able to pre-retirement income after retirement will be clear arrangements, the basic capital market will not be affected by the impact of investment income.".
"Now how much to pay, how much they receive in the future, clearly, the appropriate dividend against the risk of inflation, will definitely not happen in the future earnings did not achieve the level of the situation." Mr. Liu said the friendly agent.
Weekly financial reporter interviewed Mr. Gao Cengchen an insurance company in Shanghai, he said: "In the current investment environment, investors need to provide a stable income products, but also to provide a better guarantee of security, and this kind of insurance Products, now may be only old-age pension insurance. "
Highlights the demand for old-age retirement should be prepared ahead of time to do a good job
According to the authority of the State Department predicted that by 2030 the elderly population will reach 351 million, will usher in China's aging population peak. Forecasts that by 2020, China's workers and retired workers as a proportion of 2.2:1, the elderly and the maintenance factor will continue to rise in pension gap is growing.
Financial weekly interview with reporters on the issue of China Life president Jinsheng Ma Zheming, he said: "On the one hand, the pension gap is growing, on the other hand, Chinese urban residents are generally on the quality of life after retirement expectations are high, but Lack of preparation. According to the survey, most of them retired from 5 years ago began planning their own retirement, which resulted in survival is far from retirement to meet retirement demand. "
Italian Life Guangdong branch assistant vice president for financial management Dynasty Peng weekly Reporter said: "The development of the life insurance market in accordance with the general rules of completion of the first accident insurance, such as the popularity of short-term risk, then that is great risk of disease and promotion of medical insurance, and then Is the old-age insurance, such as the development of long-term risk. "
According to information provided by the Life and Italy show that people's sense of old-age and the increasing demand for a strong, old-age method is undergoing enormous changes in the business of old-age insurance market is extremely broad masses. As people continue to enhance the awareness of insurance, old-age insurance business of its increasingly prominent role in their products will also be a trend towards the diversification of development.
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