We are facing an unprecedented crisis of providing for the aged. Let me teach you a trick to nip in the bud! ?

China has the earliest retirement age in the world. Except some African countries, most of them are around 65 years old. With the continuous development of social economy and the continuous extension of life expectancy, it is the general trend to extend the retirement age. Not long ago, the news about "China will enter an aging society in 2022" also made headlines in major media. The report issued by China Development Foundation predicts that in 2022, China will enter an aging society from an aging society, and the population over 65 will account for 14% of the total population. In other words, by 2050, the number of elderly people over 65 in China will reach 380 million. For us, the risk of future retirement lies in the lack of pension. Therefore, it is very necessary to buy a retirement annuity.

So what is a retirement annuity?

Retirement annuity insurance is personal deferred annuity insurance, which starts to pay annuity when the annuity beneficiary reaches retirement age. If the annuity recipient dies before reaching retirement age, the insurance company will still refund the accumulated insurance premium (with or without interest) or the equivalent cash value, whichever is the greater. During the accumulation period, the annuity recipient can terminate the insurance contract and receive the surrender money. When the annuity is due, the annuity recipient can choose the annuity payment method, which can be divided into one-time payment or installment payment.

From the definition, we can know that this is a kind of annuity, and it is more used after retirement. So what can he promise us and what are the benefits? We sum up the following three points.

1, strong operability: you only need to pay on time every year after insurance, and basically you don't need to do anything else. It is more suitable for people who don't like to worry about managing funds, and you can also get good income. After the payment, other things can be entrusted to the insurance company.

2. Compulsory saving function: Young people can form a good habit of saving pensions for a long time by buying annuity insurance. If they buy retirement annuity insurance with dividend function, its additional function will resist the risk of inflation to some extent.

3. Clear return: According to your own requirements, you can calculate the amount of personal purchase and payment time limit by how many retirement annuities you want to receive from the insurance company every month after retirement. After the deadline, you can get the money every month. This is the biggest advantage that annuity insurance is different from other wealth management products. Ordinary wealth management products are unlikely to accurately estimate the benefits in the next few decades. To sum up, there are many types of insurance on the market at present, and the retirement annuity in annuity insurance is only one of them. Consumers can choose different insurance according to their actual needs. But when you buy, you must pay attention to the amount, payment method and payment method. If you are considering retirement annuity insurance, you must know how to pay and how to get it.

What are the payment methods of retirement annuity insurance?

Retirement annuity insurance payment methods are mainly divided into one-time payment or installment payment. As the name implies, one-time payment means that the insurance company pays all the insurance benefits to the recipient in one lump sum, while installment payment means that the recipient can receive a certain amount of insurance benefits every other agreed period. The recipient can decide which method to choose when receiving the insurance money. It is important to note that if the annuity recipient fails to reach the designated retirement age when he dies, the insurance company will refund the premium or cash value paid by the insured, and during the premium payment period, the annuity recipient has the right to terminate the retirement annuity insurance contract and receive the surrender money. What are the ways to receive retirement annuity insurance annuity? There are usually three ways to receive retirement annuity insurance annuity: fixed payment, fixed payment and one-time payment. Annual income is more common. Under normal circumstances, annuity insurance is paid annually, but it is not absolute. Consumers can choose the appropriate payment method according to their actual needs.

Finally, let's summarize the matters needing attention in purchasing retirement annuity insurance. First of all, the payment method can be "tailored" according to the requirements of the payee. In addition, annuity insurance has three ways: fixed collection, fixed collection and one-time wholesale collection. Secondly, retirement annuity insurance is based on the survival of the insured. In order to prevent the insured from losing his pension due to his short life, many retirement annuity insurances promise'' 10 or 20 years'', and those who die before the age of collection can pay the unpaid amount to the designated beneficiary. Some annuity insurance products, which focus on the function of providing for the aged, receive a large amount of money every year, and also have a guaranteed collection period. Finally, we should carefully choose to buy pay-as-you-go retirement annuity insurance products. The collection time of annuity insurance is flexible, and the initial collection time is usually concentrated in the age group of the insured aged 50-65. Medium. However, due to the lack of capital accumulation time, the cash value of products is not high, and it usually takes a long time to return to the capital. If you still have questions about retirement annuity insurance, you can search for "Baibaojun" on Baidu, where the most professional nursing staff can provide you with professional services.