Friends, I'm Hui Jiajun
As parents get older, they are about to retire.
According to the data, the group of people from 1962 to 1973 will all face retirementAnd now the average number of people is more than 20 million per year!
Some parents do not have social security and do not have a plan to save money for retirement.
The burden of providing for the elderly is slowly falling on us, and many people are also anxious about it.
If you want me to say, don't be anxiousMom and Dad 50+ have no social security, in fact, there are 2 major ways to remedy it.
Today, Hui Jiajun will answer them one by one:
1. Without social security, what should I do if my parents are sick?
2. How to make a pension plan for your parents?
3. Hui Jiajun summarized
There is no social security,
What should I do if my parents are sick and hospitalized?
As we age, so do various physical ailments!
Especially if you don't have social security, the cost of hospitalization is very high.
So how to make up for it?
The only way is to pay medical insurance to parents + configure millions of medical insurance and critical illness insurance.
As children, we take the initiative to provide our parents with a medical insurance for urban residents.
This kind of insurance is paid for one year, three or four hundred yuan a year, and part of the cost of seeing a doctor and buying medicine can be reimbursed.
Medical insurance is the basic guarantee given to us by the state at the national levelThe advantage is that there are no age and health restrictions, and it is especially friendly to parents who are older or have health problems.
However, it should be noted that the reimbursement ratio of medical insurance is not high, and only the drugs in the medical insurance catalog are reimbursedMoreover, the drugs in the medical insurance list are not 100% reimbursed.
Those with more abundant funds can be allocated to parentsMillion Medical Insurance or Critical Illness Insurance.
Millions of medical insurance, Hui Jiajun recommends everyone to startPeace and peaceThis product can be guaranteed to be renewed for 20 years, which is more stable and has rich and practical additional responsibilities.
Critical illness insurance, Hui Jiajun recommends that everyone invest in itSuper Mario 9, both from a protection and premium point of view, it is very cost-effective!
After solving the problem of illness, let's talk about the pension plan!
How to make a pension plan for your parents?
If the parents do not have endowment insurance, it is not cost-effective to buy endowment insurance in social security when they are too old now.
For example, if you are about 50 years old, if you pay social security, you will have to pay less than 15 years of pension when you are 60 years old.
Moreover, there are not many pension insurances, which cannot completely solve the pension problem.
We can use increased life or annuity insurance as a pension, and we can also decide when to retire, which is a good choice for parents and ourselves!
Previously, this was the case of Hui Jiajun's customer Xiaomei, whose parents were rural people, and they usually did not have the Xi of saving money for retirement, nor did they have a pension, and their lives were very poor
Xiaomei saw it on the Internet and saidYou can increase your pension with annuity insurance, the income is high, you can receive it every month, and you can live for as long as you want, Xiaomei is very interested, so you can find us to understand.
Because Xiaomei's parents are in their 50s, she plans to pay 60,000 yuan a year for five years, hoping that this money can be received as soon as possible, and the money can cover her parents' daily expenses in the countryside.
So we combined her needs and circumstances, compared a variety of pensions, and recommended her to buyXinxi Nian Exclusive Edition (Plan 1)., its protection and income are very good, better than similar products.
The specific benefits are as follows:
This product, when Xiaomei's parents are 60 years old, can receive 1535 yuan per month, a total of 180,000 yuan, you can get it for a lifetime.
This money allows Xiaomei's parents to spend money every month even if they don't work.
When this product is received for four years, the total benefit of the policy reaches 3010,000, more than the premium paid. If you receive it at the age of 75, the total benefit is 440,000, and when you are 88 years old, you can receive 1 more8w birthday money.
If not surrendered, has been leading 90 years old, a total of 647w, which is 2 of the premium paid2 times.
After all, this is a long-term plan, and Xiaomei is worried that if her mother leaves too early, she will not receive much money in the end.
We told Mei that this policy has a death benefit, and if the insured passes away in the unfortunate way, you can receive the premium paid or the cash value.
This plan is like an investment, which allows Xiaomei's parents to have a continuous cash flow.
Write at the end
As a child,The happiest thing is that the son wants to raise and the parent is still there.
Parents have worked hard in this life, and we all hope that they can enjoy their old age in good health and health when they are old, and not too tired.
After all, the first half of their lives is already very hard, and they don't want to spend the rest of their lives still doing odd jobs to earn living expenses.
If you also want to develop a pension plan for your parents and provide a guarantee for your parents, you need to tailor a plan and obtain detailed product calculationsYou can send a private message to Hui Jiajun for 1 consultation!
What should I do if I don't buy social security when I retire?