Commercial endowment insurance suitable for the elderly

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There are three types of commercial endowment insurance suitable for the elderly:

1, traditional endowment insurance

The traditional endowment insurance is that the insured and the insurance company sign a contract, and both parties agree on the time and the corresponding amount of pension. Generally speaking, the predetermined interest rate is fixed, generally 2.0%-2.4%. Commercial endowment insurance product information

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2. Dividend endowment insurance

Dividend pension usually has a guaranteed predetermined interest rate, but this interest rate is slightly lower than that of traditional pension insurance, generally only 1.5%-2.0%. Dividend insurance not only has a fixed minimum income, but also has an uncertain dividend every year.

3. National endowment insurance

After deducting part of the initial cost and guarantee cost, the premium of universal endowment insurance goes into personal investment account, which has guaranteed income, generally at 1.75%-2.5%, and part of it is linked to the bank's one-year regular after-tax interest rate. In addition to meeting the agreed minimum income, there are uncertain "extra income".