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Data:2009-12-12 2:34
In the rate hike cycle, old-age insurance under the public on how to add? In response, Ping An Life Insurance Company of experts in Nanjing said that the public can choose dividend class pension insurance, in order to resist raising interest rates risk.
Experts suggest: Supplementary Pension Insurance Business
The expert said that in order to prepare for retirement, there are a variety of ways to choose from, but because the basic pension plan to pursue the principal requirement is safe, moderate earnings, against inflation, there are certain mandatory principles and will therefore need to be pension plans and separated from other investments. In general, in addition to the basic old-age insurance, people can add their own needs according to a certain degree of commercial pension insurance. He suggested that members of the public to buy commercial pension insurance, supplementary pensions received by all future pension costs account for 25% -40% most appropriate.
In choosing to develop old-age pension plan, we should first focus on security features that make their living after retirement still able to have a stable income; second, we should focus on preservation, that is for their own future depends on whether the pension plan to meet at the time consumption level; third as soon as possible for insurance, because the younger, lower the price of insurance. Present time when all life insurance companies have a lot of old-age insurance products to choose from, but at the moment are mostly old-age insurance on the market a few years ago launched a fixed interest rate products, with little to fight inflation through dividends.
Case Referrals: Dividend-type "love life"
Ping the recent launch of the "love life" retirement plan, not only provides life, serious illness double protection, and pension increments to receive the first increase in dividend feature, you can double protect against inflation. Members of the public with 35-year-old Mr. Lin, for example, if you select "loved life," old-age pension (Dividend) Ping An additional 100,000 yuan + life ahead of critical-illness insurance pay 100,000 yuan + additional exempt Ping critical-illness insurance premiums (B), So, Mr. Lin can be started from the age of 60, 900 yuan monthly pension. Meanwhile, the pension will increase every three years, 0.6% of the amount of pension to ensure that recipients of 20 years. To 88 years of age, it can receive 100,000 yuan birthday gold. There are heavy on pre-retirement illness, death of double protection, and enjoy the dividends, interests such as premium waiver. To enjoy these safeguards, Mr. Lin is a monthly premium of 988 yuan.
