Women in their forties buy social security.

Middle-aged women, physical function began to decline, and the probability of suffering from major diseases greatly increased. In addition, at this time, women should also start to plan for the elderly, so it is very necessary to choose an insurance that takes into account both serious illness and old-age care. In view of the female market, many insurance companies have also designed female insurance suitable for women, including serious illness and old-age care for women. What endowment insurance is suitable for a 40-year-old woman? Insurance expert from Warburg. Com will give the answer.

I don't know how to buy endowment insurance.

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Introduction: Middle-aged women's physical function began to decline, and the probability of suffering from major diseases greatly increased. In addition, at this time, women should also start to plan for the elderly, so it is very necessary to choose an insurance that takes into account both serious illness and old-age care. In view of the female market, many insurance companies have also designed female insurance suitable for women, including serious illness and old-age care for women. What endowment insurance should middle-aged women buy? Insurance expert from Warburg. Com will give the answer.

What is the most suitable endowment insurance for middle-aged women?

Case review

Ms. Wang, 42 years old, is a working woman in Shanghai with perfect social security. The company purchased employee group accident insurance+outpatient medical care+critical illness insurance.

I want to buy a commercial endowment insurance this year. It is estimated that the annual premium will be 6000-8000, and the insurance will be 10 years. I hope to recover the principal within 15-20 years and get a supplementary pension every month in the following years, preferably for life.

Expert analysis

Commercial old-age insurance, commonly known as annuity, receives a certain amount of cash and bonus every year or month after reaching a certain age (uncertain), with a fixed collection period (such as 20 or 30 years) or for life.

The advantage lies in low risk and guaranteed income, which is a supplement to future retirement.

The disadvantages are weak personal security function, long capital occupation period, low expected income and poor anti-risk ability.

Otherwise, you can choose the form of immediate deposit and receipt or one-time collection according to actual needs.

Principles of pension scheme

1. No matter what form you reserve retirement pension, the earlier you start, the easier it is.

2. Because the accumulation time span of retirement pension is relatively long, it is necessary to constantly revise the portfolio plan.

3. Retirement pension is related to your future life, so the accumulation of pension must be earmarked for special purposes, and you must insist on long-term investment. If there are no special accidents, don't give up halfway.

It should be reminded that we should first improve the basic protection of individuals and health, and then properly consider the pension reserve.

When purchasing old-age insurance, if you have children, it is suggested that you consider taking your children as the insured and yourself as the insured, which can achieve the effect of "it runs in the family" and interpret the concept of "raising children to prevent old age" from another angle. There are many annuity products on the market, and there is no difference between good and bad, mainly depending on what kind of expectations you have. However, the dividends of all dividend insurance are not guaranteed and uncertain, depending on the operating conditions of the insurance company in that year. According to incomplete statistics, the average dividend of various dividend insurance in China in recent ten years is around 4%.

There are two main ideas of endowment insurance: one is fixed return, without any risk, but it may be affected by inflation, resulting in shrinking assets and ultimately failing to reach the expected value; The other is investment-linked insurance with certain investment nature, because the pension is not received immediately, and it can be used to realize asset appreciation in these ten or twenty years, which can theoretically outperform CPI. I hope my answer is helpful to you.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.