What is the most cost-effective pension insurance for rural people?

First, rural residents buy old-age insurance, the most cost-effective must be rural residents' old-age insurance. This basic old-age security standard is to enjoy national policies and benefits, and for some specific groups, you can also enjoy insurance premium reduction, such as five-guarantee households and low-income households. Moreover, the endowment insurance for rural residents is consistent. If the charging standards and receiving standards in different regions are the same, there is no insurance threshold, and you can choose freely according to your willingness to participate in insurance. When they reach the age of 60, they are satisfied with the cumulative payment period of rural pension of 65,438+05 years, and they will be able to receive the pension and pay it monthly.

Second, the question of how much rural old-age insurance needs to pay a year is determined according to local policies and the payment level chosen by rural residents. Regarding different regions, the scale of optional payment level is different: the minimum payment level is 100 yuan per person per year, which is increased according to the quota of 100 yuan, of which 200 yuan and 300 yuan are 100 yuan and 65,440 yuan respectively. The minimum payment standard in some areas is 200 yuan, with an increase of 1 1,000 yuan, which can be increased on the basis of the annual standard of 1 1,000 yuan, 1, 500 yuan, 2,000 yuan or even 5,000 yuan. This is related to the local economic level and the consumption level in rural areas. Rural residents can be more sensitive at the above different levels and make decisions according to their own economic level.

3. How much can rural endowment insurance receive in the future? There is a consistent accounting method for how much pension insurance can be collected in the future: monthly pension insurance = basic pension+personal account pension insurance. During this period, the basic pension is the payment level and accumulated payment period of the local government selected by the customer. The higher the level, the older and the higher the amount; Personal account pension = accumulated personal account balance/calculated months, and the calculated months for retirement at the age of 60 is 139 yuan, which is also related to the accumulated payment years and payment level. The above is a detailed introduction about what endowment insurance rural people buy is the most cost-effective. From the point of view of suitability and cost performance, rural endowment insurance equipment is the main equipment, and the payment level is low, the lowest is only 100 yuan per year. Of course, the higher the payment level, the higher the amount charged.

Fourth, it is suggested to apply for a new rural insurance for yourself first, improve your basic old-age security at an affordable price, and then match the commercial old-age insurance according to your age and economic strength. Pay attention to the following points before insurance:

1. At present, there are several kinds of insurance products with pension function on the market, such as traditional type, pension type, investment type and universal type. Moreover, the time span from purchase to collection of commercial endowment insurance may be 10 year, 20 years or even longer, so it is necessary to apply for insurance as needed.

2. The predetermined interest rate of traditional endowment insurance is fixed, and most of them are annuity products; The two types of insurance have the functions of protection and savings, as well as dividend distribution, and have good anti-inflation effect; Investment in *-type insurance does not guarantee income, but the insurance company will charge account management fees and other fees, and the policyholders will be responsible for their own profits and losses; Universal insurance generally has guaranteed income, and insurance companies also charge policy management fees, initial fees and other fees, which are suitable for long-term investment. It usually takes more than 5 years to see the return on investment.

3. Traditional and two-way insurance has clear income and less investment, which is more suitable for the pension needs of working class. Investment-linked insurance and universal insurance are more suitable for high-income people with strong risk tolerance because of their high investment and high risk.

4. The amount of pension provided by commercial old-age insurance should account for 25%-40% of the total demand for old-age security. Therefore, on the basis of social basic old-age insurance, considering the gradual improvement of living standards and prices, it is more appropriate for the insured to buy commercial old-age insurance of about 200,000 yuan.

5. The shorter the payment period of endowment insurance, the less the total premium paid. When economic conditions permit, it is more economical to shorten the payment period appropriately. If people with rural hukou want to improve the old-age security, it is suggested to give priority to the new rural insurance for themselves, coupled with commercial old-age insurance. Generally speaking, the earlier you apply, the better.

What is the process of paying social security?

1. If the employee goes to the employer for employment, the employer and the employee shall jointly pay, and the social insurance premium payable by the employee shall be withheld and remitted by the employer;

2. Employees who are not employed by employers can pay social insurance premiums directly to the social insurance premium collection agency as flexible employees, but they can only pay non-basic old-age insurance premiums and basic medical insurance premiums.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

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The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.