Is Alipay pension reliable? Can Alipay pension buy?
Sihai network: · for all people; life pension is jointly launched by Chinese life insurance and ant gold clothing. In August 9th, it was an innovative bonus insurance and a life insurance on Alipay. What about Alipay's pension? Is Alipay a reliable pension? Is universal insurance worth buying?
Is Alipay universal pension guaranteed reliable?
1. In terms of safety
The life insurance pension for the whole people is backed by Alipay in the Internet security. Chinese insurance is guaranteed in the insurance market. The two companies are the leading force in their respective collection, and there will be no safety problems.
2. In terms of products
Alipay's life insurance pension for the whole people, which is insured at 1 yuan, can be insured at any time. It can receive dividends in the next month, and it can receive pensions every month at the age of retirement. It is a product with considerable income and easy to understand.
3. Is it worth buying
Alipay life insurance pension is a bonus product. Although it has old-age security, there is no pension plan. If it is purely intended to be purchased as an endowment insurance, it is still not recommended. If it feels that its income is considerable, it will be feasible to insure it as a financial product.
What about Alipay endowment insurance?
There are mainly two kinds of Alipay's endowment insurance products, one is the latest universal insurance ·, one is the life pension, the other is the annual life pension and its upgraded version. Next, we will briefly introduce the next two products.
1. National Insurance & lifetime pension
This is the main product of Alipay's endowment insurance, which belongs to the bonus pension insurance. The underwriting company is the Chinese insurance company. The product insurance method is very flexible, and it is 1 yuan to start investment, and it can increase or reduce the insurance amount at any time before the date of collection. The income is composed of fixed pension + bonus.
2. Annual payment and lifetime pension
It is also a product of PICC, which can be purchased from 1000 yuan and paid for 10 years. It can receive 62% - 197% of the annual premium every year. This product is very similar to the universal life insurance, but the insurance and receiving methods of the universal life insurance are more flexible.
Compared with social security, there is no pension planning for these two products. If you want pension security, you should pay social security. This type of pension insurance can be invested as a financial product.