Don't buy social security, don't buy pension, don't buy commercial insurance.

At present, China's laws stipulate that commercial insurance companies are not allowed to close down or go bankrupt, but can only be reorganized or taken over! If you don't believe in "now" and are afraid of what will happen in the future, predict that this future must be 200 years later! A political party can go through 60 years and be rich and strong for 200 years! China's historical regime has proved this!

So, please don't doubt commercial insurance!

Who is better, social security or commercial insurance? As the predecessors said, social security only has wide coverage and low security! Commercial insurance just makes up for the lack of social security. The more you pay, the longer the term, and the more protection you will get, such as additional accidents, serious illness, hospitalization, etc. If economic conditions permit, you can buy a variety of products.

Social security has a good reputation and is believed by the whole people, because it is a compulsory act of the state! Where's Shang Bao? There are many exemption clauses in the clause, such as: earthquake, war, suicide within two years, attempted accident instead of accident, etc. It is very doubtful.

So, your "problem" is itself a problem. You can't choose social security. Hehe, because it is compulsory, you have to buy it if you don't buy it! Of course, you have the right to choose the grade.

A building, its foundation is social security, and steel refined concrete beams are commercial insurance! Social security is stable, and commercial insurance is strengthened! If you have money, choose both; If the working class and the company have social security investment, they can consider buying a dividend-paying life insurance with an annual premium of 3,000-4,000 yuan for their children on 15; If you are a full-time housewife, you'd better do social security. After all, the security of social security is beyond doubt. Although it is very low, it is enough to guarantee the embarrassment of not letting children raise when they are old and not having money to see a doctor (not a serious illness) when they are sick.

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