With the development of social economy, many people begin to pay attention to the problem of old-age pension. They will think of buying another commercial old-age insurance in the basic old-age insurance. Which kind of commercial old-age insurance is better this year? Compare and evaluate the commercial endowment insurance in 2019.
Which kind of commercial endowment insurance is better in 2019?
1. Traditional commercial endowment insurance is suitable for people: the main purpose is to provide for the aged by compulsory savings, and the investment and financing are relatively conservative.
2. Dividend type endowment insurance: in addition to the agreed minimum return, the return of this part of the fund is also linked to the operating performance of the insurance company, with certain uncertainty
3. Universal life insurance: universal life insurance is characterized by bottom guaranteed interest rate, no top cover, convenient access and compound interest appreciation
4. Investment linked insurance: investment linked insurance is a kind of fund, a long-term investment product, with no guaranteed bottom income, profits and losses borne by all customers, and high risk.
How to buy commercial endowment insurance in 2019?
1. The traditional type is the best choice for the general working class: before buying the commercial endowment insurance, we must consider our own economic level, and make a reasonable plan based on the actual situation, because once the insurance is covered, if there is a "cut-off", then the insurance will be abandoned. Experts suggest buying a supplementary pension from commercial endowment insurance. It's better to control about 40% of all pension expenses in the future. Because the traditional type of endowment insurance is relatively stable, it is suggested that the general economic ability can be insured for this type of endowment insurance.
2. Accident insurance mainly depends on whether the price is affordable: if it is not enough to buy only one kind of endowment insurance, experts suggest that consumers can choose some additional insurance when buying commercial endowment insurance, such as unexpected, serious illness and medical treatment. Among them, accident insurance is a relatively simple insurance product, the cost is generally not related to age, so in the selection process, price is the main reference factor. Under the same guarantee conditions, the cheaper the insurance cost, the more cost-effective.
Generally speaking, in the choice of commercial endowment insurance, it depends on its own situation. If it is low-income people, it is better to buy some savings type of commercial endowment insurance, but high-income people, then you can choose financial type of commercial endowment insurance.