If there is a unit, even if it has been paid for 15 years, but the employees have not retired, the enterprise will continue to pay until retirement; Individuals can stop or continue to pay social security pension insurance. According to the local policy, it is better to continue to hand it in. Endowment insurance follows the principle of paying more and getting more. The higher the payment base, the longer the service period and the more retirement pensions.
Although the social security base is constantly changing, it is more and more year by year, but it is cost-effective to buy old-age insurance at one's own expense, because the more pensions you pay, the more pensions you get, so you can buy them with confidence, without worrying about getting old or the living expenses when you lose your labor force.
How to buy endowment insurance is the most cost-effective.
1, the insured amount is about 200,000 yuan: the pension provided by commercial pension insurance should account for 25%-40% of the total demand for old-age security. Therefore, it is suggested that consumers buy about 200,000 yuan of commercial endowment insurance on the basis of having basic social endowment insurance;
2. The payment period should be shortened appropriately: in addition to one-time payment, commercial endowment insurance can be divided into three years, five years, 10 years and 20 years. Experts suggest that consumers should shorten the payment period appropriately, so that the total premium required will be much lower;
3. The age of collection can be agreed with the insurance company: at present, it is generally limited to 50 years old, 55 years old, 60 years old and 65 years old in the market; Collection methods are divided into one-time collection, annual income and monthly income; The pension period of each insurance company is different.