The charging method of endowment insurance mainly depends on the specific insurance types and regional policies.

For the basic old-age insurance for urban and rural residents, the individual payment grades are diverse and may be adjusted in different regions and time periods. For example, since January 1, 224, the individual contribution grades of basic old-age insurance for urban and rural residents in some areas have been adjusted to five grades, namely, one grade is 5 to 7 yuan, the second grade is 8 to 9 yuan, the third grade is 1 to 14 yuan, the fourth grade is 15 to 19 yuan, and the fifth grade is 2 to 8 yuan. For the disadvantaged groups who meet the conditions of insurance, the minimum payment grade may be retained and remitted by the finance.

at the same time, the government gives financial subsidies to the insured, and the subsidy standards vary according to the different payment grades. If the insured person interrupts the payment for various reasons, he can pay back the payment before reaching the age of receiving the pension insurance benefits, but he does not enjoy the government's payment subsidy during the interruption period and the number of years of payment.

For the basic old-age insurance for employees with flexible employment, the payment ratio and base are usually determined according to local regulations and individual salary level. For example, in some areas, the contribution rate of endowment insurance is 2%, while the contribution base fluctuates within a certain range.

Old-age insurance is classified as follows:

1. Old-age insurance for urban and rural residents, which is a kind of social security. Those who voluntarily participate in the old-age insurance for employees can participate in the old-age insurance for urban and rural residents, and pay annually. The payment amount can be selected according to their own economic ability, as long as they are local hukou or hold a residence permit;

2. Old-age insurance for urban workers belongs to social security, which can be bought by on-the-job or flexible employees; On-the-job personnel are paid by companies and individuals in proportion;

3. Commercial annuity insurance. The payment condition of commercial annuity insurance is survival, and it can be returned at an agreed time. For example, the annuity can be collected from the fifth year of the policy or at an agreed age, and there are many options for the guarantee period, including 5 years, 1 years, 15 years, 2 years and life-long insurance. Annuity insurance chooses the method of adding a universal account, and the funds can automatically enter the universal account to compound interest and increase value, and can be randomly collected every day, which is flexible to use. There are also annuity insurance with dividends, in addition to survival, there will be dividends, but the income is uncertain;

4. Commercial pension annuity insurance, which is a form of annuity insurance, usually starts to receive a fixed amount after reaching the age, and you can choose to receive it annually or monthly. This type of old-age insurance, the insurance benefits are determined, basically there will be a guaranteed time to receive it. If it is guaranteed that it will die during the collection period, it can be given to the beneficiary;

5. whole life insurance and whole life insurance are divided into whole life insurance with fixed amount and whole life insurance with increased amount. The content of protection is that only death and high disability can be realized, but the financial management attribute of this kind of insurance can be reflected through its cash value; Whole life insurance's cash value is high. For example, the increase in whole life insurance is increasing according to a fixed amount of compound interest, and the cash value increases rapidly. You can receive the cash value as a pension by reducing insurance.

6. Invest in linked insurance. As endowment insurance, this type of insurance has a relatively high risk level. It is a means of long-term investment. The insurance company is only responsible for managing the account funds and charging a certain management fee. The income is not guaranteed and the profits and losses are self-financing.

7. Universal life insurance, which is used as endowment insurance, is similar to universal insurance. It has a guaranteed interest rate, pays a certain premium every year, and can enjoy deferred payment when it is paid for a certain number of years, but it can also be continued. When it reaches the age of pension, it can be used as a pension.

8. endowment assurance can keep alive or die, that is to say, after the expiration of Ping 'an, he can get a maturity fund to be used as a pension, and at the same time, he can pay for his death during the insurance period.

to sum up, employees should participate in the basic old-age insurance, and both the employer and the employees should 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.

Legal basis:

Article 12 of the Social Insurance Law of the People's Republic of China

The employer shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund.

employees should pay the basic old-age insurance premium according to the proportion of their salary stipulated by the state and record it in their personal accounts.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual account respectively.