Excuse me, are there any housewives at home who don't pay any old-age insurance? You won't have a pension in the future, so how can you live when you are old?

If you don't buy endowment insurance in social security, I suggest you buy annuity insurance, which is what you usually hear. It is a kind of financial insurance, similar to the old-age insurance in social security, which is more cost-effective today when the pressure of old-age insurance is huge in social security.

The so-called wealth management insurance is different from the health insurance and freight insurance that are often heard. When an accident occurs, it will be paid. Annuity insurance is a life insurance that pays the survival insurance money in installments within the time limit agreed in the contract.

So what is the operation mode of "endowment insurance" in social security "five insurances and one gold"? As we all know, part of our monthly salary will be deducted to pay endowment insurance, and then we can get a pension after retirement. This "pension" is actually the return insurance of the old-age insurance in social security. At present, the pension account is under the unified supervision of provincial regions, and the way adopted is very simple, that is, the premiums paid by young people are paid to retirees. However, in recent years, China's aging population has intensified, and it is really difficult to enjoy high-quality pension conditions only by social pension insurance. We can first look at the relevant data compiled by the China Report online:

According to the national average, our salary after retirement is less than half of that before retirement! Before and after retirement, my income suddenly halved, but I only spent a lot of money on eating, sleeping, seeing a doctor and taking medicine. Everyone wants to enjoy their old age after retirement. He had it when he was old. How can he enjoy the pension if it is not enough?

Therefore, it is necessary to buy an annuity insurance.

While I am young and have a surplus in my hand, I will pay some money to the insurance company for investment every year, quarter or month. The insurance company will help you take care of this part of the assets. Whether it is profit or loss, the insurance company will pay you the agreed amount in installments according to the contract. When you sign the contract, you will know exactly how much money you can get by the agreed time limit. An excellent annuity product should meet the following two criteria:

1, lifetime collection: annuity insurance is to solve the "risk" of people "living too long". As consumers, what they want most is naturally how long they can receive it as long as they are alive. Therefore, lifelong collection is one of the basic requirements of excellent annuity products;

2. Determine the income: the investment is uncertain, and the rate of return is clearly defined in the contract, so that consumers can really understand how much they can get each year, which is another requirement of excellent annuity products;

If you don't know much about insurance, I suggest you contact a professional insurance brokerage company to plan an insurance plan for you, and we will choose some insurance products on the market for you from the perspective of an independent and fair third party ~ You can also click here → click My Intelligent Calculation for your protection plan ~