Introduction of China Merchants Cigna Better Endowment Insurance
At present, the endowment insurance products launched by China Merchants Cigna Insurance Company mainly include: China Merchants Cigna Jinsheng Partner Pension Plan, which is mainly divided into universal type and dividend type. Let's have a look.
1, Jinsheng Partner Pension Plan (Universal)
This product starts to receive money from the fourth year of payment, and it is paid at 5% of the basic salary twice a year, that is, the basic insurance amount is *5%, and it will be paid as long as you are alive. When you are 60 years old, you will receive a pension for middle-aged and elderly people, and you will receive 25% more every year, that is, the basic insurance amount will be *25%, as long as you are alive. There can also be cash dividends, which can be withdrawn at any time and flexibly fight inflation. If you die unfortunately after taking out this insurance, you can also return all the premiums paid and the value of the universal account; Flexible withdrawal, the amount of universal account can be withdrawn at any time, and no handling fee is charged. But the account balance must be greater than 5000 yuan.
2. Jinsheng partner pension plan (dividend-sharing type)
From the third year of payment, this dividend-paying pension insurance will receive 5% of the basic salary until the age of 59; After the age of 60, the amount received each year will increase by 6 times, reaching 30%, and it will be received until the old age; The policy can be loaned up to 80%. If the insured dies unfortunately, all the premiums paid can be refunded. This dividend pension plan is characterized by early payment, long payment period, anti-inflation, cash dividend and premium exemption. If the insured dies unfortunately or suffers from serious illness as stipulated in the insurance contract, the residual premium can be exempted.
China Merchants Cigna's above two endowment insurance products are life-long protection, suitable for middle-aged and elderly people. The maximum insured age is 50 years old, and you can choose according to your own needs.
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On the Payment or Extension of Endowment Insurance
At one time, China tried to implement the "dual-track system" for the dark gray pension insurance. However, because the retirement benefits of the relevant personnel would be greatly reduced, the supporting policies have not been promulgated and the merger has not really started, so it encountered many obstacles. So what are the related issues of "payment or extension of endowment insurance", and what are the views of relevant people? Next, I will tell you in detail about this issue closely related to people's livelihood.
Self-delivery process of endowment insurance
There are two ways to pay social endowment insurance in China: individual payment and unit payment. When the general individual pays the social security fund, he can only pay two parts of social security: pension and medical insurance, while the unit can get more benefits by paying social pension insurance. Units can help individuals pay pension, medical insurance, housing provident fund, work injury insurance, unemployment insurance, maternity insurance and other insurance premiums. Let me explain to you the specific process of individual payment of social endowment insurance. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!