Common commercial endowment insurance in the market includes traditional endowment insurance, dividend endowment insurance and universal endowment insurance. The functions of these old-age insurances are different. Which one to buy needs to be combined with personal pension planning and economic situation, and choose the appropriate commercial pension insurance on the formal insurance platform.
Traditional endowment insurance:
Endowment insurance based on fixed rate and life table, with fixed payment, fixed interest and fixed collection, is suitable for people with conservative investment and financial management whose main purpose is compulsory savings.
Dividend endowment insurance:
Dividend-based endowment insurance is characterized by stability, safety, non-misappropriation and guaranteed collection. Dividend-based pension insurance is a product with strong ability to prevent interest rate fluctuation and resist inflation under the background of interest rate fluctuation and inflation, and it is an effective supplementary product of pension. Suitable for people who want to protect their pensions and take into account their income.
National endowment insurance:
After deducting part of the initial cost and guarantee cost, the premium will enter the personal investment account with guaranteed income, and part of it will be linked to the bank's one-year regular after-tax interest rate. In addition to meeting the agreed minimum income, there are uncertain "extra income". Suitable for rational investment and wealth management people who insist on long-term investment and have strong self-control ability.