Features of old-age insurance: Old-age insurance is a form of insurance that provides stable pension income for individuals after retirement. The insured is usually required to pay the premium within a certain period of time and receive the pension within a certain period of time when retiring.
Dividend-based characteristics: Compared with traditional endowment insurance, dividend-based endowment insurance adds an additional income distribution mechanism. According to its business performance, the insurance company will return the profits of the premiums paid by the insured to the insured in the form of dividends.
Pension income and value-added potential: Dividend pension insurance not only provides stable pension income, but also has value-added potential. Insurance companies enable policyholders to enjoy pensions and have the opportunity to obtain investment income and dividend returns through investment operation and dividend mechanism.
Flexibility: Dividend-based pension insurance usually has high flexibility, and the insured can choose the payment period, pension collection method and dividend application method according to personal circumstances and needs. This enables individuals to customize their configuration according to their retirement plans and financial goals.
Risk and uncertainty: Although the dividend-paying pension insurance has potential value-added potential, its dividend amount is based on the operating performance and investment income of the insurance company. Therefore, the amount of dividends may change with market fluctuations and the performance of insurance companies, and there are certain risks and uncertainties.
In a word, dividend-paying pension insurance is an insurance product that combines the characteristics of dividend-paying insurance and pension insurance, aiming at providing individuals with stable pension income and financial security, with high flexibility.
Before buying dividend-paying pension insurance, we should carefully understand the product characteristics, risks and benefits, and make evaluation and decision according to personal pension planning and financial needs.
That's dad's answer. If you don't know anything, please write privately.