养老年金保险

确实是个孩子谥

NO.1简介

关于养老保险，它是年金保险中的一种。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。按给付保险金的限期不同，分为三种，在这里重点介绍养老保险：

(1) 终身年金保险，亦称“养老年金保险”，或“养老金保险”。一般投保人是单位或团体，被保险人是该单位或团体的在职人员。按保险合同规定，投保人汇总交付保险费，直到被保险人到达规定退休年龄；保险人对已退休的被保险人按期或一次给付保险金，当被保险人死亡或已一次给付全部保险金，保险终止。

Life annuity insurance, also known as "pension annuity insurance", or "pension insurance".General policy-holder is unit or group, insurant is the on-the-job personnel of this unit or group.Press insurance contract regulation, policy-holder aggregates consign insurance premium, arrive until insurant sets emeritus age;Underwriter is right already retired insurant on schedule or give pay insurance gold, die when insurant or already gave pay all insurance gold, insurance terminates.

(2) 定期年金保险

(3) 联合年金保险



NO.2特点

1、年金保险以年金保险的被保险人的生存为支付条件。在年金受领者死亡时，保险人立即终止支付。

2、“未雨绸缪”——人们在年轻时节约闲散资金缴纳保费，年老之后就可以按期领取固定数额的保险金。

3、投保年金保险对于年金购买者来说是非常安全可靠的。因为，保险公司必须按照法律规定提取责任准备金。

1. Annuity insurance takes the survival of the insured as the payment condition.The insurer immediately terminates payments upon the death of the annuity recipient.

2. "Save for a rainy day" -- people save idle money to pay premiums when they are young, and then receive a fixed amount of insurance when they are old.

3. Annuity insurance is very safe and reliable for annuity buyers.Because, insurance company must draw liability reserve in accordance with the law.





NO.3个人养老保险

这是一种主要的个人年金保险产品。一般说来，保险公司对个人养老金保险可能会有如下承诺：

1、被保险人从约定养老年龄(比如50周岁或者60周岁)开始领取养老金，可按月领也可按年领，或一次性领取。对于按年领或按月领者，养老金保证一定年限(比如10年)给付，如果在这一年限内死亡，受益人可继续领取养老金至年限期满。

the insured from the agreement endowment age (for example 50 one full year of life or 60 one full year of life) begin to get pension, can also get by the month by the year, or one-time get.In the case of annual or monthly payments, the benefits are guaranteed for a certain number of years (say 10 years), and if the beneficiary dies within that period, the benefits continue to be received until the end of that period.

2、如果养老金领取一定年限后被保险人仍然生存，保险公司每年给付按一定比例递增的养老金，一直给付，直至死亡。

if the insured is still living after the pension is received a certain number of years, the insurance company gives to pay the pension that increases by a certain proportion every year, gives to pay all the time, until death.

3、交费期内因意外伤害事故或因病死亡，保险公司给付死亡保险金，保险合同终止。

pay the cost because of accident injury accident or die because of illness, insurance company gives pay death insurance money, insurance contract terminates.



NO.4分类
按交费方式

1.趸交年金。

2.期交年金。
按给付开始时间

1.即期年金。

2.延期年金。
按被保险人不同

1.个人年金。被保险人为独立的一人，是以个人生存为给付条件的年金保险。

Personal annuity.Insured person is independent one person, it is the annuity insurance that gives pay condition with individual survival.

2.联合年金。

3.最后生存者年金。最后生存者年金是指以两个或两个以上被保险人中至少尚有一个生存作为年金给付条件，且给付金额不发生变化的年金保险。这种年金的给付持续到最后一个生存者死亡为止。

The last survivor annuity refers to the annuity insurance with the condition that at least one of the two or more insurees still survives, and the payment amount does not change.Payment in this annuity continues until the death of the last survivor.

4.联合及生存者年金。



按给付方式

1.终身年金。终身年金是指年金受领人在一生中可以一直领取约定的年金，直到死亡为止的年金保险。

Life annuity.A lifetime annuity is an annuity that allows the recipient to receive the agreed annuity throughout his or her life until death.

2.最低保证年金。最低保证年金是为了防止年金受领人过早死亡、丧失领取年金权利而产生的一种年金保险。

Minimum guaranteed annuity.Minimum assures annuity is to prevent annuity to receive a person to die prematurely, lose a kind of annuity insurance that gets annuity right and produces.

3.定期生存年金。定期生存年金是一种以被保险人在规定期间内生存为给付条件的年金保险。

Term life annuity.Term life annuity is a kind of annuity insurance that pays on the condition that the insured lives within a specified period.
按给付额

1.定额年金。定额年金是指每次按固定数额给付年金的年金保险。这种年金的给付额是固定的，不随投资收益水平的变动而变动。

A fixed annuity.A fixed annuity is an annuity that pays a fixed amount each time.The payout is fixed and does not fluctuate with the level of investment income.

2.变额年金。变额年金属于创新型寿险产品，通常变额年金也具有投资分立账户，变额年金的保险年金给付额，随投资分立账户的资产收益变化而不同。

Variable annuity.Variable annuity is an innovative life insurance product. Usually, variable annuity also has a separate investment account. The payment amount of the variable annuity varies with the asset income of the separate investment account.





NO.5意义

深入剖析——年金保险并不是真正意义上的保险，而是人们通过寿险公司进行的一项投资，它代表年金合同持有人同寿险公司之间的契约关系。

In essence, annuity insurance is not insurance in the real sense, but an investment made by people through the life insurance company. It represents the contractual relationship between annuity contract holders and the life insurance company.



NO.6实例



















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作者：小卒过河赛大狙