Apart from social security, what kind of insurance can get money immediately every month after buying it?

Buying commercial service social endowment insurance can be like endowment insurance, and the elderly can get money every month. How much is the pension a month? The monthly insurance premium of each beneficiary shall not be lower than that of 20 yuan.

Employees pay endowment insurance at 8% of their salary. Take an ordinary college student who is going to work in advance in 2022 as an example. Assuming a monthly salary and bonus of 3,000 yuan, according to the old law, social endowment insurance will be immediately credited to personal accounts in addition to the payment base of 240 yuan 8, and the payment base of 90 yuan 3 of personal social security paid by enterprises will also be credited to their personal accounts. In addition, 57 yuan is a part of social planning.

However, if the fees paid by me do not change according to the new payment ratio, the 660 yuan paid by the enterprise will be reduced by 90 yuan every month and 108 yuan a year as a part of social overall planning. If the annualized interest rate of social security pension is calculated by 1.5, he will start working at the age of 22 and retire at the age of 60 for 38 years. The reduced pension insurance may total 54,777.48 yuan. According to the pension standard, my pension insurance may be reduced by 456+0.20 yuan per month after retirement. Note: All social security requirements and calculation methods are subject to Shanghai social security.

Annuity insurance, endowment insurance, timely commercial insurance and life insurance can all serve the elderly at different levels and belong to the social endowment insurance category of commercial services. Business service social endowment insurance can also be used as compulsory deposit to help young people nip in the bud and prevent blind consumption when they are young.

Commercial service social endowment insurance is a long-term life insurance with the main purpose of obtaining endowment insurance money. It is a unique way of annuity insurance, also known as retirement pension commercial insurance, and it is a supplement to social development social pension insurance. Beneficiaries of for-profit social endowment insurance can gradually receive endowment insurance from a certain age after paying a certain premium. In that way, although the income of the beneficiary will be reduced after retirement, the living standard before retirement can still be maintained due to the assistance of endowment insurance.

Commercial service social endowment insurance, if there is no unique provision, the insured pays the insurance premium at the same interval and the same amount, and the annual interest rate remains unchanged throughout the payment period, and the interest-bearing frequency is the same as the payment frequency.

In China, the legal retirement age stipulated by law is 55 for women and 60 for men, and social security pensions are received according to these two age groups. In contrast, the collection time of social endowment insurance for commercial services is much more convenient, which gives a variety of choices of collection time, which can be changed first and then gradually collected. The starting and ending time of dividend insurance is generally concentrated in the four age groups of beneficiaries, 50, 55, 60 and 65, sooner or later.

If you want to master the old-age insurance, you can look at this article, "Are you old, relying on your children to provide for the elderly or relying on yourself?" When buying social endowment insurance, you can consult dad insurance, which is a third-party insurance platform. Dad insurance will choose the best social endowment insurance for customers and buy the best commercial insurance with the least money.