Legal analysis: 1. Rational allocation of social endowment insurance and commercial endowment insurance. -Generally speaking, for individuals, social endowment insurance is often the most basic, while commercial endowment insurance is a supplement to some extent. Therefore, it is suggested that it is best to improve social endowment insurance first, and then choose commercial endowment insurance. 2. Choose dividend-paying endowment insurance. 3. Buy endowment insurance. -Generally, the sooner the better, because the younger you are insured, the less you pay and the more you get. According to relevant laws and regulations, social endowment insurance is the basic guarantee. Employees can choose to pay five insurances to purchase social endowment insurance, and urban and rural residents and flexible employees can apply for urban and rural residents' endowment insurance. Accumulated payment 15 years, you can get it at retirement age. The payment of endowment insurance is divided into unit payment and flexible employment payment.

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 can pay less than 15 years when they reach the statutory retirement age. You can receive the basic pension on a monthly basis and transfer it to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding pension insurance benefits according to the regulations of the State Council.