Many people have a strong sense of retirement at a relatively young age and want to prepare for their retirement life in advance. In order to be safe and reliable, many people will choose the pension insurance offered by commercial insurance companies as their pension tools.
Indeed, it is a very effective way to prepare for your old age by buying pension insurance. However, buying pension insurance is different from participating in social security, you need to master a lot of skills in advance, and you also need to avoid stepping on some pitfalls.
Here, Wutong Jun will introduce to you what are the pitfalls that need to be avoided when buying pension insurance.
Many people feel that it is more troublesome to buy social security and need to pay premiums for a long time, so they will choose the pension insurance of commercial insurance companies so that they can complete the payment in a shorter time.
In fact, social security is the cornerstone of old-age care and a benefit that cannot be missed. Therefore, everyone must buy social security first, and then allocate pension insurance according to economic affordability and pension goals.
When buying insurance, many people only care about the financial management function of insurance and ignore the risk protection function. In fact, the risk protection function of insurance is the key, and the policyholder needs to give priority to allocation.
For an adult, before configuring pension insurance, he should first configure critical illness insurance, million medical insurance, accident insurance and term life insurance.
Many people have long had the intention of buying pension insurance, but they have not implemented it for a long time, thinking that it is not too late to buy it when they are about to retire. In fact, there will be a big difference between buying early and buying late for pension insurance.
The reason for this is simple: the earlier the policyholder buys, the more compound interest income can be obtained.
Take a certain pension insurance as an example, pay 100,000 yuan per year, pay the premium in 3 years, and start to receive it at the age of 60. The details are as follows:
Men who apply for insurance at the age of 30 can receive 33,678 yuan per year;
Men who apply for insurance at the age of 40 can receive 23,884 yuan per year;
Men who apply for insurance at the age of 50 can receive 16,944 yuan per year.
Therefore, people who have an old-age insurance plan must implement the plan as soon as possible.
Many policyholders mistakenly believe that the richer the protection of pension insurance, the better, such as universal accounts, life benefits, policyholder exemptions, pension communities, and so on. List of high-quality authors
In fact, the protection of pension insurance is not as abundant as possible, but the more practical the better. After all, many of the benefits are rather frivolous and have little practical value.
When screening pension insurance products, we should focus on three aspects, namely the level of income, the speed of return and the amount of pension in each period.
Here, I will take some of the pension insurance products on sale as an example to introduce the specific situation.
In the picture above, 11 sets of pension plans for 8 products are summarized for you. As you can see, there are great differences between different schemes in terms of income level, return speed and pension amount per period.
For example, a 30-year-old female policyholder pays a premium of 100,000 yuan per year for 3 years, and starts to receive it from the age of 60, for example, the amount of pension for each period is 43,200 yuan, 41,800 yuan, 37,100 yuan, 40,600 yuan, 38,200 yuan, 43,400 yuan, 42,700 yuan, 38,100 yuan, 38,179 yuan, 23,300 yuan, and 24,270 yuan.
Through the above content, I have clearly introduced the pitfalls that need to be avoided when buying pension insurance. In general, buying pension insurance is not an easy thing to do, and there are many pitfalls to avoid.