If you want to know more about financial insurance, Dad recommends reading: 202 1 Hot Financial Insurance Evaluation, which has the highest income? ”》
What about Alipay's universal education fund? Let's have a look!
The universal old-age insurance allows women to be insured from 28 days to 53 years old, while men are insured from 28 days to 58 years old. The insurance threshold is relatively low, and the monthly payment is around 50 yuan. You can choose to pay the fee to the starting year, that is, women are 55 years old and men are 60 years old.
In terms of annuity collection, you can receive 100% of the basic insurance amount every year under the annual payment method. If monthly payment is selected, the insurance company will pay 8.45% of the basic insurance amount every month.
In terms of death protection, if the insured dies before the age of 80, the paid premium and cash value will be returned; The insured dies at or after the age of 80, and there is no liability for compensation.
The product content of universal endowment insurance is relatively simple, but the sparrow is small and complete.
For example, Dad:
Xiao Hao (male) was born in June. At the age of 26, I began to invest RMB 1 000 per month in September. When I was 60, I invested RMB 420,000 in total.
Xiao Hao can receive a pension of 35,665,438 yuan +0.09 yuan every month and 42,733.08 yuan every year from the age of 60. At the age of 80, Xiao Hao received an annuity of 85466 1.6 yuan. Live as long as you can, and the income is good.
Dad's summary
Alipay's universal insurance threshold is relatively low, insurance is convenient, and it is still a better product. Want to know more about pension products, please consult your father, and he will give you professional advice!