I really want to get into a pension insurance, my own family non- let me into the social security, my friends highly recommended me into the commercial insurance, I really do not know into which one i

I really want to get into a pension insurance, my own family non- let me into the social security, my friends highly recommended me into the commercial insurance, I really do not know into which one is good! Suggestion: Buy social security first, and then buy a commercial insurance as a supplement if you can afford it!

As for the reason, you asked the difference, because the answer is too complicated, I only briefly said the most critical, the most important difference:

1, social security is the state to promote and preside over the insurance system, basically is to say is the nature of the popularity of the tube, regardless of the package, the basic old age should be able to satisfy the life; and commercial pensions is a strong complement to social security pensions, and would like to the old times eat and drink spicy, you Just save a little more, want to be good enough, you save a little less, it all depends on what kind of pension life you want and how much money you can afford the monthly/yearly payments There is a relationship between the 2, the disadvantages of social security is: in fact, the money you pay now will soon be sent to the old people who are now receiving a pension, and you need to receive the old age of young people need to be paid at the time of the pension (this is the black hole of the social security, there is a difference in the middle of the amount of money), and the amount of money is not enough to meet the needs of the elderly. In case there is a change in society, which of course is not a big risk, then 。。。。。。! Commercial insurance is your earmarked, will not be given to any other person to use! 3, let's say, you especially long life, buy social security is very cost-effective, because you have been able to receive, receive a lot of; commercial insurance on the deposit of the money you pay plus interest, you want to quickly receive the end of the that is .....! But if you don't live long, social security contributes to other people who do, because social security doesn't return the premiums you pay, it's standard mutual aid behavior! But commercial insurance is sure to return your benefits, even if it is returned to your beneficiaries, descendants, spouses, because it is your money! 4, commercial insurance specifically there are many types of payment methods, collection methods, liability, etc. are different, to be designed for each individual; it is recommended that before you buy a little more understanding, and find a few more insurance companies to understand the salesman, don't be fooled by him. To everything subject to the contract! Always believe: what suits you, flexible and variable is good!