Dividend insurance provides protection for later years

According to the UN regulations, more than 60% of the elderly population in a country or a region, or more than 7% of the elderly population above 65, marks the entry of an aging country or region. The relevant person in charge of the life branch said that the resident population in 2008 was 95.44 million, the average life expectancy was 74.5, and the population above 65 accounted for 7.9%. The problem of aging is earlier and more serious. It can be said that it is “not getting rich first”.

The reporter learned in the interview that after the implementation of the new accounting standards, starting from the insurance company's operating interests, the companies that used to sell investment-linked insurance and universal insurance in the past gradually turned into sales dividend insurance. Luo Wei, general manager of the personal business sales department of Life Insurance Branch, said that the dividend insurance that takes into account investment and security functions will become the main product of the insurance market in the second half of the year and even next year.

At the beginning of September, Life Insurance launched a new pension insurance product “ ”, which combines pension payment and dividend income into one. It can only receive pension after the appointment expires, and the special funds will be invested in special old-age care, which can improve the “old age” for the people. Guarantee.

According to reports, "" has a wide range of insurance coverage, from 30 days to 64 weeks of birth can be insured. The payment method is flexible. You can choose one-time delivery, 5 years, 10 years or 20 years. You can choose 50, 55, 60 or 65. The collection method can be either annual or monthly. In addition, the product provides protection against illness and accidental death.

According to the statistics of the Insurance Regulatory Bureau, in the first half of 2010, 80% of the original insurance premiums of each product of the life insurance company came from dividend-paying products. Life Insurance Financial advisors of branch companies believe that a comprehensive pension insurance should consist of 30% social pension insurance, 30% enterprise annuity and 40% personal wealth management.