Given type Sadayasu rated way Sanding selected to receive old-age insurance Insurance Tips

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

In selecting pension insurance products, expert advice, prior achieve "Sanding": given type, will be insured, will receive mode, you can buy a suitable pension insurance products.

Types of pension insurance will
Currently on the market have a traditional pension insurance type, dividend-based, universal insurance, investment and even insurance, consumers can choose according to their own circumstances.

Traditional old-age insurance is to determine the target interest rate, so in the future at what time, how much money is insured when the collar can be really known, this type of money management style is suitable for conservative risk-averse crowd.

Dividend pension insurance generally have insurance at the end of the target interest rate, but are often lower than traditional insurance. Concern is the dividend interest rate risk beyond the scheduled benefits are uncertain dividends. Cash dividends are divided into two types of dividends and the sum insured dividends, cash dividends at an annual direct cash, the amount accumulated dividends from the perspective of a long-term protection to the more obvious.

Most also have guaranteed universal insurance proceeds are generally about 2% -2.5%, some of them on a regular basis with the bank interest on one-year link. Instability of income groups is more suitable.

Vote with all types of insurance products, investment risk is the highest class, of course, the risks and benefits as in, is also the most likely to receive a higher income category. It has no end of income insurance, the insurance company is only charging account management fees, profit and loss by the customer all the conceited. Insurance company for the customer to set up a combination of different styles of financial accounts, together with a proportion of its funds invested in the risk of different financial products. Cast even stronger risk investment, suitable for risk awareness strong, higher-income populations.

Old-age pension insurance amounts will <br> consumers in determining the amount of pension insurance want to view their own pension planning, measurement needs, estimated their own income.
Old-age pension plan is to decide on their own rely on old-age pension: There is no social security pensions, there is no return on investment in fixed assets (such as rent), there is no dividend, there are no children and maintenance. Then give your pension in the proportion of these revenues to determine a location.
Pension needs of different people is not the same, you can do first a measure of this. Estimates based on three main factors: life expectancy estimates,

The current standard of living, inflation forecasts. If you are ready to retire at the age of 60, if the 1000 a month to spend the money, according to average life expectancy of 80 years to calculate, you will need: 1000 × 12 × 20 = 24 million pension. If you take into consideration inflation, it will be more. This would require the insured amount of anti-introduced.

Income determines how much consumers can bear the old-age insurance. In general, high-income earners may rely mainly on commercial pension insurance; in low-income families may rely mainly on old-age social pension insurance, commercial old-age insurance as a supplement.

Given way <br> pensioners in the choice of consumers should also be determined to obtain the age, receive mode, and receive life.
Age pensioners can be free to contract with insurance companies, most people are related to bridging the retirement age for men 60-year-old, female 55 years old, so that immediately after retirement of pensioners, their lives will not be large fluctuations.

The way they receive and the period is divided into wholesale collar collar. Wholesale insurance lead is to a certain number of years a one-time payment of insurance premiums due a large sum, this approach well suited to the second business to achieve a wish or a life expectancy less optimistic people. Year period is divided into collar on the collar and collar, most products receive that year, the general insurance companies will ensure that customers receive at least 10 years, survival after 10 years can continue to receive.

Recipients are also concerned about the length of the main points of the provisions of different products to receive the maximum number of years is different, and some of the provisions of up to 20 years, received some of the provisions of 104-year-old, while others can continue to survive as long as the collar down. In this fully demonstrates the long life of old-age insurance solve the risk of relying on savings, property unsustainable.