Common risks and management of middle -aged and elderly people (4) -The commercial annuity insurance

Case: Tai Tai was once an individual industrial and commercial household. Before retiring, in order to make her older life more secure, in addition to insisting on paying the social endowment insurance of urban residents, she also purchased a pension insurance for herself. Now, Tai Tai has retired and no longer does business, but she has two continuous and stable pension income: one is social security pension, and the other is the annuity of pension insurance. These two pensions are enough to satisfy her daily life expenses. With the previous savings, she feels very practical.

It is necessary to prevent financial risks at the elderly stage. There are two commonly used wealth management tools, one is the basic pension insurance of the society, and the other is commercial annuity insurance. Everyone knows a lot of social pension insurance, so I won't go into details here. Below, let's focus on annuity insurance.

Annuity insurance refers to the life insurance that pays the insurance premium based on whether the survival is as the premium insurance condition, and the interval between the insurance premium in installments does not exceed one year (including one year). To put it simply, the insured is deposited in multiple or one -time money at the moment, and then in the future time period, the designated beneficiary will receive the money in batches; Money will be appreciated to resist inflation.

In terms of pension, annuity insurance can be supplemented as social security. In addition, it can also be used for arrangements such as "Education", "Marriage Gold" and "Inheritance Gold". For example, if you want to inherit your large amount of property to your child, and you are afraid that your child will splurge after getting his hands, or if you are deceived by someone who is deceived by people, you can inherit the property in the form of annuity insurance, so that the child can only follow the agreement as agreed. Time and amount to receive this money in batches, which can reduce the risks in many inheritance.

(Edited from the Pan Xilong and Zu Qiang of the Sichuan People's Publishing House, "

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