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The products that can be insured for commercial pension insurance mainly include traditional and dividend-based products There are four types: type, universal type and investment-linked type. The following is a detailed introduction for everyone to understand together. Commercial pension insurance product information

1. Traditional pension insurance

The predetermined interest rate is generally between 2.0% and 2.4%, and the income is certain, that is, you will know when you purchase it. How much money can I receive each time? The advantage of traditional pension insurance is fixed returns, but the disadvantage is that if the inflation rate is high, there is a risk of depreciation. Therefore, traditional pension insurance is suitable for older and more conservative investors.

2. Participating pension insurance

The predetermined interest rate is guaranteed, but it is low, usually between 1.5% and 2.0%. Participating pension insurance has dividend benefits every year. Its advantage is that its income is linked to the operating profits of the insurance company, so it can theoretically withstand currency. Its disadvantage is that the annual dividend is uncertain. Therefore, participating pension insurance is also suitable for investors with more conservative financial management.

3. Universal life insurance

There is a guaranteed minimum return, and the predetermined interest rate is currently generally between 1.75% and 2.5%. The advantages are transparent accounts, convenient deposits and withdrawals, and convenient investment. The disadvantage is that it is convenient for additional investment. For people who do not have strong self-control or have poor savings habits, they may not be able to save enough for their pension in the end. Therefore, universal life insurance is suitable for people who have strong self-control, are relatively rational, and insist on long-term investment.

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4. Investment-linked insurance

Also called "fund of funds", it is a long-term investment method with Accounts with different risk types are linked to the returns of different investment varieties. There is no guaranteed return, the insurance company only charges account management fees, and the customer is responsible for all profits and losses. The advantage is that it focuses on investment and also takes into account protection. Investment types are selected by expert financial management, and different accounts can be flexibly switched to adapt to different situations in the capital market. As long as you insist on long-term investment, it is possible to achieve high returns. The disadvantage is that it has the highest investment risk among insurance products. If you cannot withstand short-term fluctuations and make blind adjustments, you may suffer huge losses.