Delay retirement hot commercial endowment insurance experts recommend 35 years to buy

Delay retirement hot commercial endowment insurance experts suggest that 35 year old began to buy Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click [I want to complain], Sina help you expose them! Recently, Yin Yumin, Minister of human resources and social development, China will develop the elderly human resources". This is our country to determine the introduction of progressive retirement age policy, the Ministry of human resources and social Minister of the elderly to participate in the work of the policy statement. At the same time, the policy has aroused the concern of the public on the issue of retirement pension, directly led to the sale of commercial endowment insurance products. The Pearl River Life experts said, to delay retirement, pension insurance business need to buy as early as possible. The national office on aging has released data, the number of people over 60 years old in China has reached 215 million, accounting for about 15.76% of the total population, from 2015 to 2035, the elderly population will increase to 418 million, China will enter a rapid aging stage. Now the basic old-age security is composed of three parts: social basic pension insurance, enterprise pension annuity and personal pension fund. Personal pension fund is the individual purchase of insurance, funds, etc.. Among them, compared to the high risk of fund investment, commercial pension insurance has a stable income and low risk core strengths. Delay retirement once implemented, this also means that many members of the public pension time will be postponed. Most people’s career is not more than 55 years old, with the age of 65 to receive social security has a gap of 10 years. If you do not want to be affected by their standard of living, which requires a commercial pension insurance supplement." Insurance industry insiders said. Commercial endowment insurance also called annuity insurance, at a young age through the periodic payment, the insured can regularly receive cash on arrival after a certain age, achieve a sense of security. Insurance experts explained: "in fact, the endowment insurance as a very low risk, stable income financial plan, now many insurance companies pension insurance products are attached to certain investment functions, such insurance guarantee payment in terms of life, but also get a return on investment. In the purchase of commercial endowment insurance, should first consider the security demand gap size is calculated after the retirement of the financial cost minus the existing retirement; secondly to consider payment, usually pay a premium payment and all the annual, quarterly or monthly installments etc.." Pearl River life insurance experts said that the premise of pension planning lies in the continuation of life. In general, from the age of 35 to the age of 45 to start, and the insurance is to buy as early as possible to benefit from the earlier, but the premium is relatively low, the burden is lighter, the accumulation of personal account interest is also more cost-effective. Most insurance companies insurance is limited for at least 50 years of age for pension insurance, medical insurance, and some in front of the insured medical needs of the elderly, will increase the probability of disease and the elderly, if it is found that the disease is likely to increase, the premium payment period is shorter, the premium will be upside down, even declinature. In addition, before the purchase of commercial pension insurance, the purchase of adequate accident insurance, medical insurance and health insurance, for their comprehensive protection, it is necessary. theory相关的主题文章: