Universal pension 2020 is calculated from the corresponding date when the first policy of the insured reaches 60 years old and the insured reaches 55 years old. Until the insured is alive, the insurance company will automatically pay the pension to the agreed bank card or Alipay balance account.

First of all, in publicity, the national endowment insurance has three main selling points:

1, 1 yuan investment, and general dividend insurance can be added at any time. Most of them are bought from 1000 yuan, but this product lowers the threshold to 1 yuan and can increase the insured amount at any time. You can buy more if you have money, and buy less if you don't have money. It's very human.

2. Retirement annuity The condition for receiving retirement annuity is to pay premiums normally and reach retirement age (60 years old for men and 55 years old for women), and then receive pensions on a monthly or annual basis as needed.

3, stable value-added, guaranteed bottom+dividend The so-called guaranteed bottom is the retirement annuity mentioned above, and dividend is the extra income generated by the operation of this product. National insurance dividends can be divided every month, which is a very good experience. Of course, the dividend amount is not fixed, and in theory, there may be a situation in which the dividend amount of the month is zero.

In addition, if he dies before reaching the retirement age stipulated in the product, the insured can get at least 100% of the paid premium. Although Alipay universal insurance has the advantages of low threshold, simple procedures and flexible insurance, as dividend insurance, the income is the most important.

Second, how to make the income of Alipay National Insurance as high as possible?

1, the same amount, in the form of one-time wholesale, is higher than the monthly and weekly returns.

2. Buy as early as possible. At the same time, the investment of 10000 premium, in the state of wholesale payment, 25 years old earns about 48% more than 40 years old.

3. Dividends during the period cannot be withdrawn. Only when the dividend income is not extracted can the dividend be calculated according to compound interest, and finally the amount on the product promotion page can be reached.

Try to live to be over 80 years old. Similar annuity dividend insurance adheres to the principle that the longer you live, the more cost-effective, and the more money you get. According to "Statistical Bulletin on Health Development in China in 20 17" published by National Health Commission, the average life expectancy in China in 20 17 is 76.7 years, and living above 80 years is victory.

Third, Alipay National Insurance is actually a kind of dividend insurance, which earns you long-term income. Similar to the social security pension insurance mechanism, but there is great uncertainty in terms of income. Insurance investment should focus on health protection. First of all, we must guard against the financial crisis caused by major diseases.