With the increasing aging of China's population, the problem of old-age care has become a problem that needs to be solved urgently. In this context, pension insurance has also received more and more attention from friends, among which the more popular is that everyone chooses the pension, but it has a total of three plans, and friends who don't know how to choose can continue to watch.
*From the official website of Huize Insurance.
There are three plans: A, B and C, and the insurance rules of these three are basically the same.
Coverage age: 7 days to 65 years old (Section B to 60 years old).
Who to insure: Spouse, parents, children, supporting the second insured.
Payment time: summer 3 5 10 15 20 years.
Occupational restrictions: Categories 1-6, no health notification restrictions.
The minimum investment amount: 5000 for summer payment, 2000 for regular payment.
The three types of pension are different from the one they receive.
paragraph A. Duration of Coverage: Lifetime.
Age: Male 60 65 70 years old;Female 55 60 65 70 years old.
Guaranteed coverage: 20 years.
Birthday Pension: 90 years old: 1 times the annuity, 100 years old: 2 times the annuity.
Current price lasts: Guaranteed at the end of the redemption period.
Section B. Duration of Coverage: Lifetime.
Age: Male 60 65 70 years old;Female 55 60 65 70 years old.
Guaranteed Payment: Premium paid.
Birthday Payment: 90 years old: 15 times the pension, 100 years old: 2 times the pension.
Current Price Lasts: When you start to claim it.
Section C. Duration of coverage: 20th year after collection.
Age: Male 60 65 70 years old;Female 55 60 65 70 years old.
Guaranteed Payment: The maximum premium for 15 years.
Birthday Payment: At the end of the period: 15 times the annuity.
Current price continues: at the end of the protection period.
*From the official website of Huize Insurance.
In general, the highest pension is section B, but it has less guaranteed receipt and a short duration of the current priceThe highest guaranteed receipt is Section A, and the pension is in the middle of the three plans;Paragraph C is different from the previous two paragraphs, it is not a lifelong pension, and it can only be received for 20 years. Taking the age of 80 as the watershed, the final ranking before the age of 80 is c a b, and after the age of 80 it is b a.
In other words, if you don't care about the guaranteed income, you can choose paragraph B. After receiving it for more than 20 years, Everybody Choice B is the highest of the three plans. If you are relatively conservative and value guaranteed returns, you can choose paragraph A and be steady. If you only make a phased investment, or only do a 20-year payment plan, then paragraph C is the most suitable and the total return is the highest.
*From the official website of Huize Insurance.