|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Market Background
Pension issue is the future for a long period of time China's economic and social development is facing a major problem. China's current practice is the "wide coverage, low-security" of the social endowment insurance system, in which old-age pension system, when they retire, receive the insurance money is limited, the need for other ways to provide supplementary old-age pension. Coupled with smaller family structure, population aging and increasing health care costs, have enabled people to a growing interest on the pension.
Commercial pension insurance is a very effective way of supplementary old-age pension, social and pension insurance on the business needs of very large, Ping An Insurance Company has recently launched the "love life" bonus pension series of insurance, is also the view of the current market demand for pension products, diversification of introduced.
In addition, with the end of last year the central bank increases interest rates, and expected future interest rates faced by the market's expectations for new pension products is also growing, commercial pension insurance is increasingly being incorporated into people's consideration.
Commercial pension insurance is a special form of annuity, that is starting from a young age to pay premiums on a regular basis, from the contract starting age for a sustained, regular pension insurance. "Love life" old-age pension insurance, and can effectively meet the client's retirement needs, while, in order to provide customers a more comprehensive insurance, Ping An Insurance Company is also simultaneously launched a major disease, additional old-age pension insurance, the premium waiver insurance, insurance of major diseases, the composition of successful retirement, worry-free retirement plans, user-friendly and flexible options, be able to pension insurance and health, dividends and exempt interest such as combining the premium to meet the various needs of customers.
Five Features
"Love life" bonus offer old-age pension insurance, death and other multi-protection, has five characteristics, namely, lead to a hundred years old, retirement living without worries; three-year growth, old-age pension steadily high; live to be 88 additional HE Jin longevity; receive guaranteed to receive at least twenty years; policy may be dividends, operating results were shared.
This product has been characterized as the largest that they could claim up to 100 years old, to meet the needs of the vast majority of people's life-long pension, while receiving this product incremental type, old-age insurance premium increases once every three years, which can effectively deal with inflation. The plan ensures that receive at least 20 years of the 88-year-old can receive a birthday with the equivalent amount of insurance payments, which can effectively alleviate the longevity for future generations because of the financial burden.
In addition, this product is the dividend-based insurance, customers can participate in dividends, dividend distribution of choosing a different way to share the company's operating results, which is a traditional old-age insurance in not enjoy benefits.
In China's current economic cycle in which the interest rates, as interest rates rise, customers have the opportunity to gain more through dividends insurance benefits. Interest rates will help improve the company's overall investment rate of return. Therefore, dividend interest rates with insurance may bring more benefits to customers is the best choice to purchase insurance, the introduction of dividend-based old-age insurance, comply with the customer's financial needs in the tightening cycle.
Receive mode
针对不同客户安享退休生活的不同年龄,此产品特别设计了四种不同的养老保险金开始领取年?客户可选择????岁四个年龄中任选一个作为其养老保险金began to receive age.
To receive old-age insurance payments in the way, offer a collar and lead on to receive two different ways, customers began to receive old-age insurance prior to receiving mode can be changed.
Taking into account current due to various factors such as work pressure makes it increased the probability of suffering from serious illness, the plan before retirement to make money specifically to support their families during this critical period of life, design life, major diseases double protection.
To ensure the pension needs of our customers, reflecting the humanization of customer care, but also specially designed that even the unfortunate ill and receiving re-disease insurance, the customers in the future pension payments, birthday is also no way to receive payments will not be affected, and at the same time exempted this program during the primary risk and insurance, more than one year of additional insurance premium payable in subsequent periods, eliminating the customer's Contributions to worry about.
Appropriate population
"Love life" bonus pension insurance products insured ages ,0-55-year-old wide customers can purchase to meet the needs of customers of different ages. Particularly suitable for persons 25-45 years of age Shekuaizhongjian. Their work pressure, need to raise their children, support the elderly, the need for the room, for cars, often overlooked needs of their own retirement and old.
Ping launch of the "love life" pension insurance products and product mix that can fully meet their needs and achieve their future could easily retire, lead free, comfortable retirement purposes.
