Not long ago, Tongfang Global Life Insurance and the China Insurance and Risk Management Research Center of the School of Economics and Management of Tsinghua University released a "2023 Chinese Residents' Retirement Readiness Index Research Report", which shows that the 2023 Chinese Residents' Retirement Readiness Index will be 553, down from 2022.
The reason for this is mainly reflected in the decline of "perfection of retirement plan" and "adequacy of retirement savings".
The economic environment has not recovered as expected and the uncertainty of the future has led many people to re-examine their retirement plans, especially as the acceptance of delayed retirement is gradually rising.
Nowadays, in many second-tier cities, middle-aged and elderly people already account for a significant proportion of the employed population, and after the pilot of delayed retirement, the proportion of the employed population over 60 years old will inevitably achieve further growth to a certain extent.
Based on this general environmental trend, we would like to introduce a new online product to youXinxi annual pension insurance (paragraph C).It can be said to be of great help to improve the retirement pension plan and pension reserves!
Birthday money is set up for the elderly
This is not the first time that the concept of birthday money has appeared, but this responsibility undoubtedly plays a role in the icing on the cake.
Especially when people's average life expectancy is in an obvious trend of longevity, people reach an advanced age and want to live with more dignity, this birthday money is a confidence for everyone.
The birthday payment of paragraph C of Xinxi Year is set on the policy anniversary after the age of 86, and a lump sum payment of 2 times the basic sum assured, plus the pension of the current year, is equivalent to a total of 3 times the basic sum assured.
In the future, the average life expectancy has a great chance to break through the 90-year-old mark, and correspondingly, everyone is more likely to receive an old-age birthday pension after being insured.
The current price of the policy lasts until the age of 90
Some of the pension insurance that we have seen before is terminated at the current price of the policy after starting to receive the annuity.
The current price of the policy of paragraph C of Xinxi Nian is not only clear and visible, but also intimately accompanies everyone until the age of 90.
Related to this, on the one hand, is the death protection liability of paragraph C of Xinxi year.
In other words, if you suddenly encounter an accident after receiving a pension for 5 years or 10 years, you can at least get the cash value of the current policy and leave a sum of money for your family as comfort.
On the other hand, it lies in the flexible planning function of the C model of the Xinxi year.
In case of emergency working capital, you can also apply for a policy reduction or policy loan according to the regulations, and receive part of the cash value to resolve the crisis as soon as possible.
At the age of 90, the above functions will be terminated when the current price of the policy is terminated, and before that, everyone can have more sense of security while receiving the pension.
The total benefit level of the policy is very high
Generally speaking, the policy benefit level of Xinxi Nian C is still very influential in the market, and we will intuitively show you the strength of this product in all aspects through actual insurance cases.
· 30-year-old Mr. Wang insured Xinxi Year C, paid 200,000 yuan annually for 3 years, and received pension from the age of 65
Considering that many people may not retire at the age of 60 in the future, have a certain amount of savings in their hands, and also have work income, choosing to start receiving it from the delayed retirement age, not only connecting the time when the pension is most needed, but also increasing the pension received every year.
Since the age of 65, Mr. Wang can receive an annual pension of 110,200 yuan, with an average monthly supplement of nearly 10,000 yuan.
By the age of 80, the cumulative annual pension amount is about 3 times the total premium, and the current price of the policy is still more than 800,000.
On the policy anniversary of the 86th birthday, Mr. Wang received a one-time life allowance of $220,400.
At the age of 90, the current price of the policy is terminated, and the death liability is terminated accordingly, at which point the total premium is 5 times the total premium.
In the case of long-term holding, the surrender IRR has a chance to exceed 4%!
· 55-year-old Mr. Liu insured Xinxi Year C, paid 500,000 yuan in a single payment, and received an annuity from the age of 65
Middle-aged people approaching retirement age, the demand for old-age security is more urgent than that of young people, 55-year-old single payment of insurance Xinxi year C, 65 years old, although the transition period is short, but also can obtain enough pension confidence.
Starting from the age of 65, Mr. Liu can receive an annuity of 42,500 yuan per year, an average of about 3,500 yuan per month, and an additional 85,000 yuan on the policy anniversary of 86 years old.
In the case of long-term holding, the surrender IRR is directly approaching 5%, which is quite eye-catching!
Summary
As long as the topic of pension is still hotly discussed, the popularity of pension insurance will not be outdated. In the face of the "involution" of similar products, the design of the C model of Xinxi Nian matches the trend of retirement and pension-related policies to a greater extent, and also takes into account the situation of population aging and longevity. In addition, the ultra-low threshold of 1,000 yuan for the annual payment of Xinxi is also very friendly to young and middle-aged people who need to consider pension planning in advance, prepare without pressure, and then welcome a stress-free pension life!