With the development of the aging population and the improvement of the national material living standards, people have more expectations for high-quality pension, and more and more elderly people have begun to yearn for a quality pension life of "providing for the elderly, providing peace for the elderly, and enjoying the elderly".
However, over the years, China's multi-level pension security system has been full of development and unbalanced problems, and the construction of the second and third pension pillar systems has lagged behind, making the development of high-quality pension enter a bottleneck period.
To this end, as the third pillar of the construction of the pension service system, commercial pension insurance urgently needs to give full play to its professional advantages and actively explore the effective scheme of "optimizing social pension services with insurance products" to meet the growing demand for pension.
In this context, the classic IP of the annuity insurance market, "Fu Manman", has made a strong comeback, and a new pension insurance product "Fu Man Man No. 2" pension insurance has been launched, which has attracted much attention from consumers.
It is reported that the new "Fuman No. 2" is very good in the convenience of annuity collection, on the basis of ensuring that it is received for 20 years, there is a very high pension amount, and it is also connected to the high-end pension community, and the market is full of competitiveness.
So, what are the specific insurance rules and rights of this product?Below, let's take a closer look:
The big IP of the big insurance company makes the elderly more at ease.
When it comes to "Fu Manman", I believe everyone is familiar with it, "Fu Man Man No. 2" pension insurance is a product underwritten by the big insurance company, everyone's pension insurance.
According to the information on the official website of Everybody Pension Insurance, Everybody Insurance Group is a comprehensive insurance group covering three core businesses: insurance, asset management and pension. As of the end of 2022, we have 60 provincial-level branches and more than 1,000 county-level branches in 31 provinces (autonomous regions and municipalities) across the country, providing a package of risk protection, health pension and wealth management services for more than 40 million customers, which can meet the protection needs of consumers of all ages and life scenarios.
As the leading IP of everyone's pension, the "Fumanman" series has won unanimous praise from the market since its launch, and the upgraded "Fumanman No. 2" is no exception.
First of all, the old rules, let's take a look at the product form of "Fuman No. 2".
An overview of the product form of Fuman No. 2.
The product is suitable for people from 7 days old to 65 years old, and can meet the protection needs of people of multiple agesThe minimum investment threshold is also relatively low, if the policyholder chooses to pay in a single payment, the minimum investment is 5,000 yuan, and if you choose to pay in installments, the minimum investment is 2,000 yuan, and the protection period is lifelong.
And insurance does not require health notice, supports intergenerational insurance and designation of a second policyholder, suitable for friends with complex physical conditions or who have already had a serious illness to supplement the pension, and the purchase threshold is relaxed.
In addition, the payment period of Fuman Man No. 2 is flexible, and the policyholder can choose to pay in a single payment, or he can choose to pay in installments of 3 5 10 15 20 years to reduce the pressure of payment, which is very friendly for customers with limited budgets.
TOP-level annuity collection, high leverage to achieve "old age".
As we all know, when we buy an old-age pension, we hope to create a lifelong and sustainable cash flow for old age. After retirement, the amount of annuity we receive each year directly affects the quality of our pension life.
In this regard, the "Fuman Man No. 2" that has been upgraded and returned this time can be said to have made a lot of effort, and the amount received is very high.
From the perspective of the product itself, we take Ms. Yan, a 30-year-old female customer, who pays 100,000 yuan a year for 10 years, and starts to receive an annuity at the age of 55 as an example:
Since the age of 55, Ms. Yan can receive an annual pension of 9350,000 yuan for daily expenses after retirement;
When Ms. Yan was 66 years old, she received a total pension of 102850,000 yuan, which has exceeded the premium paid, and every annuity received thereafter is an increase in the value of the policy!
This annuity can ensure that Ms. Yan receives a total of 1.87 million yuan until she is 75 years old, which is enough to ensure that Ms. Yan can live a high-quality pension life and realize "old age".
Within 20 years of the guaranteed payment, if Ms. Yan unfortunately dies, the remaining unreceived pension will be paid to the beneficiary in a lump sum;If Ms. Yan is in good health and has a smooth life, she can always receive the annuity and receive it for as long as she lives!
Under the same payment and receipt conditions, compared with the other three first-tier annuity insurance products on the market, the performance of "Fuman No. 2" is also remarkable:
It can be seen that under the same payment plan and collection method, the highest receiving level of the products in the above table is still "Fuman No. 2". If you want to pursue a higher pension, then "Fuman No. 2" is very worth considering.
Docking with the pension community, high-quality guarantee "the old have peace" and "the old have fun".
It is worth mentioning that in addition to "providing for the elderly", we also pay attention to the practical significance of the customer's pension needs of "being safe for the old and happy for the elderly", and have expanded the value-added services such as pension services, life and social networking, and health management for "Fuman No. 2".
According to the person in charge of the relevant products of the elderly, all the "urban medical care" communities of the elderly are located in the most core areas of the first and second-tier cities, with complete living facilities such as supermarkets, parks, and restaurants, and the distance between the community and the tertiary hospital is also very close. Clients have a separate living space, high-quality care, and are easily accessible to their children and old friends.
In addition, the insurance pension community is managed by the unified management of the pension community, adopting the two-level management model of 'headquarters management + pension community execution', and setting up an exclusive service research and development team to provide high-quality pension services such as medical care and recreation, therapeutic food, housing and transportation for residents, so that the pension needs of 'the elderly are safe and happy' can be implemented. The person in charge further introduced.
Written at the end: at present, "how to protect the pension of China's large-scale elderly population" has become an important issue of common concern to the whole society, and we have a pension "Fuman No. 2" pension through the combination of "high pension + pension community", leveraging the high leverage of the pension, providing a better solution for effectively preventing economic risks in the era of longevity, so that we can not only have more fixed capital flow when we retire, but also enjoy more comfortable and high-quality pension services, which is worth considering.