The universal life insurance pension is an innovative bonus insurance launched by Alipay in August 9th. 1 yuan can start to vote; low threshold everyone can participate in, and insurance coverage in the month, then the monthly dividend; then how much does Alipay pension buy? What are the scope of Alipay's pension protection? Let's have a look.
Pension
The life insurance pension for the whole people 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.
It can be seen from the name that the guarantee period of life-long pension is life-long. Insured age: male born 28 days to 59 years old; female born 28 days to 54 years old.
There are three areas of protection, which can also be understood as the way of receiving:
Pension: from the date of receiving the pension, a fixed amount of pension will be received every year (every month) for life.
Bonus insurance: from the next month of insurance, dividends will be distributed according to the actual operating conditions every month.
One time death payment. In case of death in the past, the premium paid shall be returned at least; in case of death in the future, the amount returned shall be '20-year pensionable pension' minus' received amount '.
Universal life insurance pension breaks the limitation of fixed payment period of traditional life insurance products. One yuan can start to invest, and you can buy insurance anytime and anywhere before you get it. There is no limit on the time and frequency. If you buy a universal life-long pension and want to withdraw, you must operate it within half a month, because there is no service charge for withdrawing within 15 days.
1. Price
old-age pension
The total amount of insurance coverage of Alipay is between 1-199999 yuan, and the 1 yuan starting point is the biggest bright spot. It can increase the insured amount at any time before the date of collection. The insured person can choose the insured amount according to his own economic conditions.
2. Revenue
Open the insurance page of universal insurance, you can estimate the income through trial calculation. If the adult rate of return is converted, the current rate of universal insurance is about 3.6%, provided that dividends are not withdrawn and interest is accumulated. You can compare the current financial products on the market, and you will find that the income is not particularly high, so you can only say it is conservative. It is also unknown whether the dividend of national insurance will rise or fall due to the influence of the income of the underwriting company.
3. Security
Some experts have pointed out that Alipay's national insurance is more like the way to balance the treasure. It has little to do with the actual pension. It is far from enough to do this in the old-age care plan. It is far from enough to take the old-age security as a guarantee.
From the above point of view, Alipay's national insurance is flexible, and users can increase the insured amount at any time according to the economic situation. However, Alipay's universal insurance is a financial product. Generally speaking, the rate of return is also unknown. As an old-age insurance, there is no sound pension plan.