At present, the most popular pension insurance is everyone's choice of pension, today I will talk about the difference between the three insurances, how to choose to maximize the benefits.
*From the official website of Huize Insurance.
Let's take a look at the insurance conditions first.
Issue age: A C: 7 days old - 65 years old;Section B: 7 days old - 60 years old.
Duration of coverage: Section A B: Guaranteed up to age 106;Section C: Guaranteed for 20 years after the date on which the pension begins.
Payment period: 3 years, 5 years, 10 years, 15 years, 20 years.
Pick up time: Female: 55 60 65 70;Men: 60 65 70 collar.
Method: annual and monthly payment.
Guaranteed Payment: Section A: 20 years;Section B: Premiums Paid;Section C: 15 years.
Pension: Annual Pension: 100% of the basic sum insured;Monthly collar: 845% of the basic sum assured.
*From the official website of Huize Insurance.
And in terms of death benefits:
Paragraph A before the date of commencement of pension (exclusive): the premium paid and the cash value, whichever is greater;During the period of guarantee: payment of unpaid pension: after the period of guarantee: no liability for death.
Paragraph B before the date of pension commencement (exclusive) premiums paid and cash value, whichever is greater: after the date of pension commencement: premiums paid minus pensions received, 0, whichever is greater.
Paragraph C before the date of commencement of pension (exclusive): the premium paid and the cash value, whichever is greater;During the guaranteed period: the unpaid pension payable, the accumulated premiums paid minus the accumulated pension, 0, whichever is the maximum, after the guaranteed period, no liability for death.
*From the official website of Huize Insurance.
Finally, it's time for the birthday payment.
Section A: Age 90: 100% of the basic sum assured;Age 100: 200% of the basic sum assured.
Section B: Age 90: 150% of the basic sum assured;Age 100: 200% of the basic sum assured.
Section C: Maturity: 15 times the basic sum assured.
*From the official website of Huize Insurance.
If the purpose of buying pension insurance is to cover the economic risks caused by longevity, it is recommended that you choose a or B pension insurance. For example, if your family has longevity genes, and the elders in your family are all ten years old or even centenarians, it is still necessary for such people to choose two products that are guaranteed to be 106 years old. Of course, it is also very good for some friends to consider buying Model C, and they can also receive 15 times the basic sum insured at the end of the term. This large amount of money is more convenient for everyone to plan whether to give it to their children or as their own follow-up pension.