There are several types of endowment insurance.

What kinds of endowment insurance are there? ? Dad also compiled an article about pensions. Interested parties can poke here to browse the monthly pension. How much can you get when you are old? 》

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.

Advantages: fixed income, low risk. Because the return of such products is calculated according to the contract and is not affected by external factors.

Disadvantages: it is difficult to resist the influence of inflation. Because the number of products purchased is fixed, if the inflation rate is relatively high, there is a risk of depreciation in the long run. The value of 10 thousand yuan of 20 1 1 is really far from today's 10 thousand yuan.

2. National endowment insurance

After deducting part of the initial cost and guarantee cost, the premium of universal life insurance enters the personal universal account to realize the stable appreciation of wealth.

Advantages: Universal insurance is characterized by guaranteed bottom, unlimited top, monthly settlement and wealth growth, which can effectively resist the impact of inflation. The account is relatively transparent, the access is relatively flexible and easy to add.

Disadvantages: the income calculation base of universal insurance is the account value of the policy, that is, the funds other than initial expenses and account management fees are deducted from the premiums paid by individuals.

3. Contact endowment insurance

Linked old-age insurance is a kind of fund and a long-term old-age insurance product. The types of account risks are different, and pension collection is linked to different types of insurance. Insurance companies only charge account management fees and all users are responsible for their own profits and losses.

Advantages: Experts choose the type of endowment insurance, and different accounts can be flexibly converted to adapt to different market conditions. If you insist on buying for a long time, you will get a lot of pension.

Disadvantages: If this kind of old-age insurance cannot withstand short-term fluctuations and is adjusted blindly, it may lose a lot. Suitable for young people, with strong risk tolerance and care for the elderly.