As China enters a longevity society, people's average life expectancy continues to increase, and the issue of old-age care has attracted increasing attention. According to the World Bank, China's average life expectancy has increased from 43 years in 1960 to 77 years in 2019, indicating the advent of a long-lived society in China. However, this change also brings new challenges, one of which is the low replacement rate of pensions.
According to official data, as of 2021, China's pension replacement rate is only 436%, which is much lower than in many developed countries. This means that pensions cover only a fraction of earned income, and older people may face financial stress and hardship. In the context of the challenges faced by the pension system, the purchase of pension insurance has become a wise choice.
Recently, the news that Fuduoduo No. 1 pension insurance in the market is about to be removed from the shelves, which makes investors pay more attention to the choice of pension security. In this context, Fuman No. 3 Pension Insurance is highly regarded, and its stable income and reliable protection bring more choices to policyholders.
Fuman No. 3 is suitable for a wide range of people, covering all ages from 30 days old to 65 years old. Compared to other products, Fuman Man No. 3 has a low insurance threshold, and this product offers a variety of payment period options, up to 20 years, to meet the needs of customers who want to pay for a long time.
In terms of death liability, if the insured dies before the pension is paid, Fu Man Man No. 3 will pay according to the greater of the premium paid and the cash value; In the event of death after the start of the pension payment, the remaining guaranteed payment will be paid in a lump sum.
According to our comparative analysis of 40-year-old men, 5-year-old payment, annual premium payment of 100,000 yuan, and 60-year-old starting to receive it, we can clearly see the difference in the performance of Fumanman No. 3 and Fuduoduo No. 1 in the field of pension insurance.
First of all, in terms of annuity collection, the annual amount of Fuman No. 3 is 53,300 yuan, while the annual amount of Fuduoduo No. 1 is 52,100 yuan. With the increase of age, the annuity advantage of Fuman No. 3 has gradually emerged, and by the age of 90, the cumulative difference has reached 37,200 yuan, which shows the advantages of Fuman No. 3 in providing stable pension income.
As China enters a long-lived society, people are paying more and more attention to the issue of old-age care. The data shows that China's average life expectancy is increasing, but the pension replacement rate is low, which means that the elderly may face financial pressure. In this context, the purchase of pension insurance has become a wise choice.
Recently, the Fuduoduo No. 1 pension insurance on the market is about to be taken off the shelves, which makes people's demand for old-age security more urgent. Fuman No. 3 Pension Insurance is highly regarded for its loose insurance threshold, stable income and reliable protection. In contrast, Fuman Man No. 3 not only offers a longer age range, but also offers flexible coverage options and guaranteed coverage options, providing more options and protection for policyholders. To sum up, considering the importance of old-age security and the changes in the market, I strongly recommend everyone to purchase Fuman No. 3 Pension Insurance to ensure the quality of life and economic security of the elderly in the future.