How can an individual buy old-age insurance without a unit?

Individuals without units can choose to participate in the basic old-age insurance for urban and rural residents as individuals, or they can choose to participate in the basic old-age insurance for employees as individuals. The specific way to choose can be decided according to the actual situation and needs of individuals.

I. Basic old-age insurance for urban and rural residents

Individuals without units, especially rural residents and urban residents, can choose to participate in the basic old-age insurance for urban and rural residents. This method mainly covers urban and rural residents who are not included in the basic old-age insurance for employees and provides them with basic old-age security.

The registration process usually includes the following steps:

1. Understand local policies: The basic old-age insurance policies for urban and rural residents in different regions may be different. Individuals need to know the local insurance policies, payment standards and treatment conditions first.

2. Prepare relevant materials: generally, you need to prepare identification materials such as ID cards and household registration books, as well as recent bareheaded photos.

3. Go to the designated place: bring relevant materials to the local social security department or the designated place, fill in the application form for insurance, and pay the corresponding fees.

Second, the basic endowment insurance for employees

For individuals without a unit, if they want to obtain a higher level of old-age security, they can also choose to participate in the basic old-age insurance for employees in their own name. This way requires individuals to bear all the responsibility for payment, but correspondingly, they can also enjoy the same pension benefits as employees.

The registration process is usually as follows:

1. Understand the policies and regulations: Understand the policies and regulations of basic old-age insurance for local employees, including payment standards and conditions for enjoying benefits.

2. Prepare relevant materials: prepare ID cards, recent bareheaded photos and other materials, as well as bank account information for payment.

3. Go to the social security department: bring relevant materials to the local social security department, fill in the application form for enrollment, and open a personal social security account.

4. Regular payment: according to the payment grade selected by the individual, the endowment insurance premium will be paid to the personal social security account on a regular basis.

To sum up:

Individuals without units can choose to participate in the basic old-age insurance for urban and rural residents or the basic old-age insurance for employees in their own names. According to the actual situation and needs of the individual, choose the appropriate way to participate in the insurance, and go through the insurance procedures according to the prescribed procedures. Individuals can provide a certain guarantee for their future pension life by paying endowment insurance premiums.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10 stipulates:

"Employees shall participate in the basic old-age insurance, and employers and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. "

People's Republic of China (PRC) social insurance law

Article 20 provides that:

"The state has established and improved a new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies. "