Old-age insurance should be made sooner Planning Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Three kinds of life insurance products, retirement planning ---

"Life is a former two policies should be to accident and ill health policy, the first three you should buy the old-age insurance policy." This is a lot of insurance experts in order to purchase the insurance proposal. In With the most basic protection, for the next 30 years after the pension plan of life for many people finance and investment motives.

Experts believe that functions can be achieved old-age insurance products have a personal commercial pension insurance, endowment insurance and investment-linked insurance and other three categories.

Most personal pension insurance products with a bonus feature, you can withstand a part of the impact of inflation. As a safe and love life, China Life's Hong-shou annuities, pension and other Pacific red formosa.

Ping An was launched last week to a lifetime pension, for example, choose the amount of 100,000 yuan insurance, 20-year period of payments, you can start from the age of 60 receive 900 yuan per month as the cost of living increase every three years, a certain percentage, 88-year-old can also receive 100,000 yuan birthday gold.

Endowment insurance is a kind of strong fixed-income savings and means of protection life insurance. Wynn co-existence, such as Taikang Life Insurance, Ping An Endowment Wynn's life insurance, Xinhua Life's a happy well-being reconciled and so on.

Xinhua's happy with the well-being, for example, choose the amount of 50,000 yuan insurance, 10-year payments, then life can be once every three years to receive 4,500 yuan and the total dividend 9% of the sum insured, 66 years old when the first payment to receive 50,000 yuan birthday and cumulative annual dividend coverage, while enjoying the death security payments.

And investment-linked insurance is a stronger means of investment-oriented insurance, there is a financial management specialist Valet mean, there is no security at the end of earnings, need for a strong risk-bearing capacity, suitable for long-term investment.

As Skandia Life introduced robust life, you can only invest the same month as saving a few hundred million, and according to their tolerance for risk and capital market conditions, choice of four different types of investment accounts. Accumulated over decades, the investment account funds would be considerable.

At a recent exhibition held in the capital of finance, there are more than 170,000 Beijing residents have shown strong demand for financial planning. According to relevant statistics, in recent years, insurance companies, pension insurance business showed strong growth trend.

Experts suggest that consumers select commercial insurance in the development of pension plans, to note four points:

First of all, grasp the amount. Purchase of commercial pension insurance, supplementary pensions should be obtained by accounting for all future pension costs of 25% -40% is appropriate.

Second, the emphasis on support functions.

Third, the emphasis on preservation. Try to make pension income to meet the prevailing level of consumption.

Fourth, the insured as soon as possible. Skandia Life made the president of winter Luk: 30-year-old pension plan would surely be 20-year-old began to pay more. Taking an overview of each company's pension plan products, but also most of the customer lock the target age 25-45 years, because the younger the insured and the cheaper the price. Once more than 50 years of age, the premium would be very expensive.