Ping An Insurance paid 35,000 yuan a year for three consecutive years, and received 5,000 yuan a month after the age of 60. Is it a live calculation?

Ping An Insurance has paid 35,000 yuan a year for three consecutive years, and it is still very cost-effective to receive 5,000 yuan a month after the age of 60. But in the final analysis, the planning of endowment insurance is not cost-effective, mainly based on personal needs and personal abilities.

The principle of basic old-age insurance is "wide coverage and low security", which can only maintain the basic living standard; Enterprise annuity can't meet the differentiated pension needs of different enterprises and different employees. Therefore, personal commercial pension insurance has become an indispensable part of pension planning.

Commercial endowment insurance is a long-term personal insurance with the main purpose of obtaining pension. It is a special form of annuity insurance, also known as endowment insurance. When consumers choose commercial endowment insurance, they need to keep in mind the following three tips in order to choose a product that suits them.

Tip 1: security and stability are king.

Pension actually includes many aspects, such as unexpected risks faced by parents, medical expenses and daily living expenses. Therefore, when choosing commercial endowment insurance, the first thing to consider is safety and stability, followed by maintaining and increasing value. For the elderly, the most important thing is to maintain daily expenses through regular and stable income, and to have some savings to deal with risks.

Trick 2: Be comprehensive.

With the growth of parents' age and the deterioration of physical function, the greatest risks mainly come from diseases and accidental injuries. The resulting medical expenses are likely to devour parents' pensions and undermine pension planning. Therefore, comprehensive security is an important factor to be considered when purchasing commercial endowment insurance.

When purchasing commercial endowment insurance, it is suggested to choose corresponding additional risks or product combinations to avoid the risks caused by major diseases and accidental injuries.

Trick 3: Pension investment must be measured.

Commercial pension insurance is an indispensable part of pension planning, but the more investment, the better. Insurance for parents should be based on the actual situation of the family. Before insurance, it is necessary to analyze the income level, daily expenses and social security of the family, and then reasonably calculate the expenses that can be used for insurance.

If the pension investment is too high, it may affect the daily expenses of the family, and even lead to the inability to renew the insurance, which runs counter to the original intention of "supporting the elderly".

Extended data:

Commercial insurance is still necessary, especially for those who have no job or social security. Insurance means taking precautions before they happen, and can't wait until things happen. In fact, buying commercial insurance mainly depends on the time and scope of protection, the amount and method of payment, and the amount insured.

Some people think that choosing an insurance company is also very important, especially when buying from a regular insurance company. Whether it is big or small, the difference is not big. The emphasis is on the content of insurance. People who buy commercial insurance are older on average, which means that the older they are, the more they know how to buy commercial insurance, because the older they are, the more they will find physical problems and pay more and more attention to health.

People's Daily-People's Daily: Three Options for Commercial Endowment Insurance