181538347-11-2养老年金保险

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什么个人养老年金保险



年金保险是指投保人或被保险人一次或按期交纳保险费，保险人以被保险人生存为条件，按年、半年、季或月给付保险金，直至被保险人死亡或保险合同期满。是人身保险的一种，保障被保险人在年老或丧失劳动能力时能获得经济收益。

Annuity insurance refers to that the applicant or the insured pays the insurance premium once or on schedule. The insurer pays the insurance benefits by year, half a year, quarter or month on the condition of the insured's life, until the death of the insured or the expiration of the insurance contract. It is a kind of life insurance to ensure that the insured can obtain economic benefits when they are old or lose the ability to work.

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# Space Day of China #

为什么要买个人养老年金保险



1.保障老年人的基本生活需求：很多人对老年人的生活没有规划。如果国家不实行养老金储蓄，那么许多人晚年将没有收入来源。

2.提供稳定可靠的生活来源：不同地区、不同层次的养老保险缴费情况一般是不同的，但基本上退休后可以拿到基本生活费，连温饱都拿不到。

3.抗通胀能力：养老金的发放与当地上一年的平均工资有关。现在各地的平均工资每年都在增加，所以养老金会逐年增加，这在一定程度上可以抵御通货膨胀



1. To protect the basic living needs of the elderly: many people have no plan for the elderly life. If the state does not enforce pension savings, then many people will have no source of income in their later years.

2. Provide a stable and reliable source of living: the payment of endowment insurance in different regions and at different levels is normally different, but basically you can get the basic living expenses after retirement, not even food and clothing.

3. Can resist inflation: the payment of pension is related to the local average wage of the previous year. Now the average wage of each region is increasing every year, so the pension will increase year by year, which can resist inflation to a certain extent.

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个人养老年金保险的特点

1、安全性：

　　年金保险的本质是一种保险产品，因此安全性是其他资产管理方式无法比拟的。作为保险产品，年金保险的有效性在合同有效期内，不会因为保险公司发生问题受到影响，国家及监管机构出台了一系列政策、措施，保障每一张保单的安全性。

2、稳健性：

　　传统型年金保险每年需要缴纳的保费和领取到的金额都是以明细的形式写进合同里的，并且投保后，可以通过保险合同能直观了解到未来可以领取的回报。而分红型的年金保险，除了和传统型年金保险一样的固定回报外，还会有分红回报，而且固定回报也是持续稳定的。所以年金保险的回报稳定、不会延迟的特点十分有益于要对资产进行长期规划的家庭。

3、可操作性强

　　个人养老年金保险，适合任何一种人群投保。不需要学习专业的知识和技能，也不需要自己费时费力的操作，只要按时缴纳保费，完全可以当个“甩手掌柜”，因为保险公司有专业人士会对资产进行积累、打理。

1. Safety:

The essence of annuity insurance is an insurance product, so its security is incomparable with other asset management methods. As an insurance product, the effectiveness of annuity insurance will not be affected by the problems of insurance companies within the validity period of the contract. The state and regulatory agencies have issued a series of policies and measures to ensure the safety of each policy.

2. Robustness:

The traditional annuity insurance needs to pay the annual premium and get the amount are written into the contract in the form of details, and after insurance, you can intuitively understand the future return through the insurance contract. In addition to the same fixed return as the traditional annuity insurance, there will also be dividend return, and the fixed return is also stable. Therefore, the characteristics of stable return and no delay of annuity insurance are very beneficial to families who want to plan their assets for a long time.

3. Strong operability

Personal pension insurance is suitable for any kind of people. You don't need to learn professional knowledge and skills, and you don't need time-consuming and laborious operation. As long as you pay the premium on time, you can be a "shake hands shopkeeper", because there are professionals in the insurance company who will accumulate and manage the assets.

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案例介绍

案例描述：

       2017年3月10日姜海山在中国人寿保险公司为自己投保了“国寿福禄满堂养老年金保险”，保费为10000元，保额为13010元 。保险公司与当天电脑核保通过了投保申请，同时出具了保单和发票。保单生效日为3月11日,双方约定应交保费对应日为每年的3月10日。

     交费年限为20年，采用年交交费方式，以银行转账方式交纳保险费。

     中国人寿保险公司续期收费员于2018年3月9日查询了2018年3月1日至2018年3月31日到期的保单 ,并进行通知续期缴费

Case description:

    On March 10, 2017, Jiang Haishan insured "Guoshou Fulu full house pension insurance" for himself in China Life Insurance Company, with the premium of 10000 yuan and the insured amount of 13010 yuan. Insurance companies and the day of computer underwriting through the application, while issuing a policy and invoice. The effective date of the policy is March 11, and the corresponding date of premium payable is March 10 of each year as agreed by both parties.

      The payment period is 20 years. The insurance premium is paid by bank transfer.

    The renewal fee collector of China Life Insurance Company inquired about the policies due from March 1, 2018 to March 31, 2018 on March 9, 2018, and made the renewal payment notice

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作者：StinkingNumberTen