What endowment insurance is suitable for 48 years old?

Basic endowment insurance for employees, endowment insurance for urban and rural residents and commercial endowment insurance:

1. Basic old-age insurance for employees: The basic old-age insurance for employees is a widely covered old-age insurance system, aiming at providing retirement pensions for employees. Those with flexible employment status can participate in the basic old-age insurance for employees. Men who retire at the age of 60 can extend their payment for three years and enjoy pension benefits; However, women are generally not insured at the age of 48, and they only have seven years to retire at the age of 55, which cannot meet the requirement of cumulative payment 15 years.

2. Endowment insurance for urban and rural residents: Endowment insurance for urban and rural residents is an endowment insurance system designed for urban and rural unemployed people. Compared with the basic old-age insurance for employees, the payment grades of urban and rural residents' old-age insurance are more diversified and the choice is more flexible, which can be chosen according to the actual situation of individuals. For people with poor economic conditions, the economic pressure of endowment insurance for urban and rural residents is less.

3. Commercial endowment insurance: Commercial endowment insurance is an endowment insurance product provided by insurance companies or fund companies. Compared with the first two kinds of endowment insurance, commercial endowment insurance has higher payment standard and treatment level, and it also needs to bear higher economic pressure. If the economic conditions are good and you want to get a higher level of security, commercial endowment insurance is a good choice.