Editor's note

What is the key to pension insurance? The final pension you received!

In the latestFinancial sector insurance product ratingIn the database, we randomly selected four pension insurance products that included dividends for comparison. It was found that, in the case of the same premium,Pensions are nearly 7 times different.

Contrast with the risk of heavy illness, the comparison of pension insurance is based on the premium to calculate the amount of insurance. We set, if the total premium paid for 10 years is 20,000, see how much the last insured can get.

Peking University Founder Fenghong Annual Annuity Insurance BOC Samsung's family A pension insurance Sino-British Life Insurance Xinyue Life Annuity Insurance Happiness wealth pension insurance
Same premiumInsurance amount 2,105 yuan 14,000 yuan 2,900 yuan 605 yuan
Amount received each year 201.5 yuan 1,400 yuan(Note 1) 290 yuan / 580 yuan Up to 605 yuan / minimum 949.85 yuan
Total survival gold 10,525 yuan 28,000 yuan 23,780 yuan 15,548.5 yuan
Expired insurance 21,050 yuan 7,000 yuan 20,103.3 yuan 6,050 yuan
Survival expires to receive insurance money
(survival gold + expiration insurance)
31,575 yuan 35,000 yuan 43,883 yuan 21,598.5 yuan

In the above table,redMarking: Mosthighvalue;blueMarking: Mostlowvalue.

      Note 1:"BOC Samsung Family A Pension Insurance" The pension you receive each year is1,400 yuanThe annual pension of "Peking Founder Fenghong Annual Annuity Insurance" is201.5 yuan, the difference between the two7 times."BOC Samsung Family A Pension Insurance"The most cost-effective.

Although"China-UK Life Xinyue Life Annuity Insurance"Survival expires to receive the highest insurance premium, but the insured person needs to be 88 years old and the money can be fully obtained.

Why buy old-age insurance?

Before retirement Annual payment (self-mandatory savings) 2,000 yuan Payment time 10 years Total payment 20,000 yuan
After retirement Every year the insurance company gives you 1,400 yuan Pick up time 20 years Maximum gain 35,000 yuan

Before the age of 60, we have been making money, and it is very easy to pay 2,000 yuan a year. But after we retire, we don’t make any money, and the insurance company starts to “pay”.

Someone has calculated an account, as long as the annual income of the financial management is 4.5%, it can earn more than the pension. However, no one has thought that you may not be able to grab 4.5% of the wealth management products every year; the money that may be used for financial management is deceived; more likely, the 2,000 yuan is spent on impulse consumption every year. What time is it?

Annuity insurance is actually more like a kind of compulsory savings. Give your money to a professional financial institution to take care of it. Spend a small amount of money every year. Finally, when you retire, you will receive money every month or every year, so that even if you retire. After that, you can still have income, even if you no longer make money, you can remain economically independent!

Four pension insurance competitions

Take the 30-year-old man's premium of about 20,000 for 10 years as an example, and make the following comparison.Financial sector insurance product ratingOnly review the old insurance main insurance, excluding dividend insurance or universal insurance account!

Insurance age Cover period Payment period Hesitation period Insurance
collection method
Insurance Survival gold Death gold Expired insurance dividend Dividend method Premium exemption One time
Right of collection
Policy loan Deduction
Pay off
automatic
Payment
Same premium
Corresponding amount
Cumulative payment
Total premium
Survival expires to receive insurance money
(do not calculate dividends)
Recommendation index comparison
Peking University Founder Fenghong Annual Annuity Insurance 7 days - 55 years old To 80 years old 5 years, 10 years, 20 years 10 Year collar After the policy takes effect Amount received each year 210.5 yuan Terms and conditions Those who have paid premiums and cash value Received when you are 80 years old 21,050 yuan
(10 times the amount of insurance)
Have Cumulative interest Insured person's death or high disability waiver premium no Cash value *70% Have Have 2105 20000 31575 5.08
10% of the insured amount will be paid for each policy year after the policy takes effect
Pick up time 50 years
(30 years old insured to the security period of 80 years old)
total 10,525 yuan
BOC Samsung's family A pension insurance 28 days - 70 years old To 88 years old 趸交, 3 years, 5 years, 10 years, 15 years, 20 years, 25 years 10 Year collar/month collar Conventional collection day
(Insurance and insurance company agree to receive pension time)
Amount received each year 1,400 yuan It is agreed to receive 10% of the annual insurance coverage for each policy in the future.Receive 20 years Received before:The premiums paid and the cash value are greater.
After receiving the date:According to the total amount received for 20 years, the amount of the received amount will be deducted.
Received at the age of 88 7,000 yuan
(50% insured amount)
Have Cumulative interest Insured's highly disability waiver premium no Cash value *80% Have Have 14000 19963.8 35000 7.26
Pick up time 20 years
total 28,000 yuan
Sino-British Life Insurance Xinyue Life Annuity Insurance 30 days - 60 years old To 88 years old 趸交, 3, 5, 10 years; 15 years 10 Year collar After the policy takes effect
The third year
60 years old After 60 years old Total: 23,780 yuan The insurance policy will be paid annually from the third year to the end of the year after the policy takes effect.10%
60 to 88 years of age, the annual insured amount20%
Those who have paid premiums and cash value Received at the age of 88 20,103.3 yuan
(returning the premium paid)
Have Cash collection no no Cash value *80% no Have 2900 20103.3 43883 6.25
Amount received each year 290 yuan 580 yuan
Pick up time 26 years 28 years
total 7,540 yuan 16,240 yuan
Happiness wealth pension insurance 30 days - 60 years old To 88 years old 趸交, 3 years, 5 years, 10 years, 15 years, 20 years 15 Year collar Conventional collection day
(Insurance and insurance company agree to receive pension time)
Amount received each year Year 1: 605 yuan
Year 2: 605 yuan + (605 * 3%) = 623.15 yuan
Year 3: 605 yuan + (605 * 3%) * 2 = 641.3 yuan
Year 4: 605 yuan + (605 * 3%) * 3 = 659.45 yuan
......
20th year: 605 yuan + (605 * 3%) * 19 = 949.85 yuan
20 years from the date of the agreed pension collection to the age of 88
Receive 100% of the insured amount in the first year, and receive the previous year + basic insurance amount of 3% in the second year
Received before:The death pays 130% of the accumulated premium and the larger of the cash value
After receiving the date:The death pays 10 times the amount of insurance.
Received at the age of 88 6,050 yuan
(10 times the amount of insurance)
Have Cumulative interest no Have Cash value *70% Have no 605 20000 21598.5 4.68
Pick up time 20 years
total 15548.5 yuan

Swipe left and right to view details

Xiaobian Review

According toFinancial sector insurance product rating The system scores,Recommended The highest is "BOC Samsung's family A pension insurance", the score: 7.26.Financial sector insurance product rating Contrast pension insurance isNot included A universal insurance account or a bonus account with a bonus insurance, justComparison of main risks.

The ultimate goal of purchasing pension insurance is to ensure that life after retirement is guaranteed. In the four old-age insurance, the same is about 20,000 yuan in premiums. The "BOC Samsung Family A Pension Insurance" has the highest insured amount. This result: If you and the insurance company agree, 60 years old (after retirement) ) Start to adopt pensions, which is the highest among the pensions received each year.

Detailed explanation of the above four products

Xiaobian Review

According toFinancial sector insurance product rating Expert team introduction: The four products in this comparison all have dividends. Refers toMain insurance dividendIt is not matched with a universal insurance account. Pension insurance with a universal insurance account seems to get higher returns, but the risk is great. Because the pension with the universal insurance isNo guarantee of incomeof.

Contact information

      Special planning:Financial sector insurance channel

      e-mail:Baoxian@jrj.com.cn

      contact number:010-8336 3000 to 3394

User message