1. Long-term savings: Endowment insurance products belong to long-term savings insurance, which requires the insured to pay premiums for a long time in order to obtain certain protection and return on investment. This saving method can help the insured to establish a long-term saving plan and improve the stability and sustainability of financial planning;

2. Pension collection: The main purpose of pension insurance products is to provide pensions for the insured after retirement. During the insurance period, the insured needs to pay the premium according to the contract and receive the pension according to the agreed conditions after retirement;

3. Steady investment: the funds for endowment insurance products are mainly used to invest in long-term and stable financial assets, such as bonds, stocks and funds. This investment method is relatively stable, which can ensure the stability and sustainability of pension;

4. Insurance protection: In addition to providing pensions, endowment insurance products can also provide certain insurance protection, such as death insurance and accidental injury insurance, to protect the risks of policyholders and their families;

5. Tax preference: By insuring endowment insurance products, you can get certain tax preference policies, such as tax exemption or tax reduction. This can provide additional economic benefits for the insured.

The conditions for pension qualification certification mainly include:

1. Age condition: According to national regulations, under normal circumstances, women can apply for a pension at the age of 60 and men can apply for a pension at the age of 65;

2. Social security payment conditions: individuals need to pay social security fees to meet the conditions of pension qualification certification. The specific payment time and amount requirements depend on the local social security policy;

3. Payment period: individuals need to meet certain payment period requirements before retirement, usually more than 15 years;

4. Retirement conditions: individuals need to submit retirement applications to social insurance agencies when they retire, and they can only receive pensions after being approved by the social security department.

To sum up, there may be differences in the certification conditions of pension qualifications in different regions and countries, and the specific certification conditions need to follow local regulations. At the same time, individuals should pay attention to the payment time, amount and payment method when paying social security fees to ensure the certification of individual pension eligibility and pension collection.

Legal basis:

Article 10 of People's Republic of China (PRC) Social Insurance Law

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

Article 16

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.