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The characteristics of endowment insurance are as follows
1. National legislation is mandatory, and all enterprises, units and individuals must participate. Those who meet the conditions for providing for the aged can go to the social insurance department to receive a pension.

2. The source of general endowment insurance expenses is shared by the state, units and individuals, or shared by units and individuals to achieve extensive social mutual assistance.

3. Endowment insurance is social, with great influence, large number of people enjoying it for a long time and huge cost. Therefore, it is necessary to set up specialized agencies to implement unified planning and management of modernization, specialization and socialization.

Article 2 of the Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children. Endowment insurance has the following characteristics: both enterprises and individuals must participate, which is legally mandatory; Endowment insurance fund by the employer and