1. After finding a job, you can ask the new company to pay endowment insurance. As long as you have paid 15 years, you can receive a monthly pension when you reach retirement age;
2. General social endowment insurance cannot be withdrawn in advance; Under special circumstances, the withdrawal can only be paid by individuals, and the rest will enter the social pooling fund.
What should I do after the interruption of endowment insurance?
1. You can choose to supplement or renew social security. If you have time requirements, you can generally pay social security-related expenses for 3-5 years;
2. The minimum payment period of endowment insurance is 180 months, i.e. 15 years. You can give more, and then you can get more;
3. The payment period of endowment insurance can be calculated cumulatively, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal premium is normal);
4. Endowment insurance can be supplemented or not, as long as the payment is at least 15 years, and the medical insurance has a buffer period of 3 months from the date of termination, and the regular payment of relevant benefits will not be affected, otherwise it is necessary to re-accumulate the payment period and not enjoy medical reimbursement.
How to buy personal endowment insurance is the most cost-effective
1. Buy as soon as possible while you are young: buying personal endowment insurance is not the most cost-effective way. In fact, it is more scientific to buy at the right age, neither too early nor too late. Middle-aged people, 30 to 40 years old to buy the most appropriate. After all, it can also guarantee the highest interest rate and fight inflation well.
2. Choose products with faster return time: When purchasing financial insurance, especially personal pension insurance, you should choose insurance products with faster return time. Many commercial financial insurance can be used as personal endowment insurance. For example, whole life insurance, which is well-known in the market, locked in the rate of return early. Many products choose to pay for three years, and the fastest individual insurance can achieve four years of return, and the return rate is very fast;
3. Choose products with higher expected returns: the key is to look at the individual needs of the insured. With the increase of interest rate, you can choose a product with higher expected return, such as life insurance with visible return, but it is difficult to exceed 3.5% in the end, or an annuity insurance product. After increasing the universal account, the expected income will be higher.
4. Choice of insurance: Suppose you retire at the age of 60 and start to receive a pension. Choosing an annuity insurance additional universal account before the age of 40 has the highest expected income; 40-45 years old, choose to increase the amount of life insurance, the income is certain, and the income level is relatively high. Over 45 years old, choose commercial endowment insurance. 45 years old, 20 thousand in three years. At the age of 60, he receives 5926 yuan a year, which is equivalent to receiving 494 yuan a month for life.
Legal basis: Article 16 of the Social Insurance Law of People's Republic of China (PRC).
Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.
Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.