In the wave of China's aging society, with the extension of people's life expectancy, how to ensure the quality of life after retirement has become a topic of great concern. The low replacement rate of pensions makes it difficult for traditional pension methods to cope with the rapid growth of pension demand, so commercial pension insurance has gradually emerged, and Xinxi Nian Nian Pension Insurance C has attracted much attention as a new pension planning product.
China's overall pension replacement rate is only 40%, which is quite different from international standards, which makes people face many challenges in living a decent and reassuring life in old age. Xinxi Nian Nian Pension Insurance C came into being, with a series of advantages such as safety and stability, mandatory savings, and continuous cash flow, to provide individuals with more reliable pension options. Compared with the constraints of traditional pension methods, this product provides individuals with more flexible and sustainable financial security.
In terms of meeting individual needs, Xinxi Nian Nian Pension Insurance C pays more attention to accurate matching. By providing a variety of options to meet the needs of different groups of people, the problem of pension replacement rate can be solved in commercial pension insurance. The features of the product will be fully analyzed in the following content to help individuals better plan for retirement.
Flexible financial response to longevity risks, Xinxi Nian Nian Pension Insurance C cash value up to 90 years old
Compared with its pension products, Xinxi Annuity Insurance Part C takes into account the actual situation of different life stages, and the cash value of its policy lasts until the age of 90 and the current price has been relatively high.
If you have a need and meet the conditions before this, you can apply for a policy reduction or policy loan to receive part of the current price to resist some unexpected risks and unexpected needs. There is no restriction on the use of this money, and it can be used not only for children's education, marriage, but also for medical expenses.
After the age of 90, a large annual pension can also ensure that customers can enjoy their old age and cope with longevity risks.
The examples around you will take you to understand how to use the C section of Xinxi Nian Pension Insurance
In order to give you a more intuitive understanding of the use of Xinxi Nian Nian Pension Insurance C in the whole life cycle, let's take an example!
Mr. Tong, a 35-year-old middle-level manager of a small and micro enterprise, has deep concerns about his retirement life in his middle age under the influence of topics such as delayed retirement and pension shortages. So after being introduced, Mr. Tong insured himself with Xinxi annual pension insurance C pension insurance C, paid in 3 years, paid 100,000 yuan per year, received at the age of 65, and made a supplementary reserve for the elderly in advance.
Since the age of 65, Mr. Tong can receive a pension of 47,100 yuan per year from the insurance company, and the longer he lives, the more he receives, and the longer he lives
In the 40th policy year, the total survival benefit (current price + claim) reached 9650,000, which is more than 3 times the insured amount, and the corresponding IRR (internal rate of return is not real rate of return) at this time has 3289%;
In the 70th policy year, the total survival benefit of the policy (current price + claim) reached 20250,000, and the corresponding IRR at this time has 4205%!
Finally, with more than 200 million people over 65 years old, there is an urgent need for innovative solutions for the elderly. In this context, Xinxi Nian Nian Pension Insurance C provides a more reliable and comprehensive old-age security for the majority of middle-aged and elderly people by setting a generous amount of insurance and a creative "life expectancy" function.
The issue of pension is related to the future happiness of every family and individual, so it is very important to choose the right pension insurance product. With a new design concept and strong protection performance, Xinxi Nian Nian Pension Insurance provides a more comprehensive and safe choice for pension planning. In the future, with the growing demand for social pension, it is believed that such innovative products will bring security and convenience to more people's later life.
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