What is the "universal insurance-lifelong pension" in Alipay?

The "National Insurance-Lifelong Pension" in Alipay innovatively supports customers to increase their insurance coverage flexibly, taking into account the flexible needs of customers on the basis of meeting the needs of Internet customers for old-age security; It is the first monthly dividend payment method, which can improve customers' sense of participation and increase interaction with customers.

The characteristics of "national life pension" are: 1 yuan, insured at any time, and paid dividends every month.

Commercial old-age insurance is not uncommon in people's lives, but the reporter observed that most of the old-age insurance on the market at present is fixed on a regular basis, ranging from several hundred to tens of thousands per month, which is still a big expense for some wage earners.

In addition, the insurance clauses of life insurance products are usually professional, and users often have to go offline to find someone to consult before they dare to buy with confidence. Based on the scene and fragmentation characteristics of Internet consumption, "national insurance for lifelong pension" has effectively solved these pain points.

According to Wen Jiao, the person in charge of ant insurance related products, the original intention of the "universal insurance" product design is Pratt & Whitney, which breaks the traditional regular insurance method, reduces the initial insurance amount of users to 1 yuan, and does not limit the time and frequency of premium payment, so that users can insure anytime and anywhere according to their own financial situation and needs.

In addition, users are most concerned about the benefits of buying insurance. In the past, many people thought that endowment insurance was "uneconomical". In the era of high interest rate, fixed-rate pension is not as good as bank savings, but also bears the risk of inflation and depreciation.

It is understood that in order to solve this problem, "National Insurance" divides the insurance premium into two parts, one part is the pension received at a fixed ratio, and the other part is the dividend paid according to the investment income of the insurance company. For these reasons, it is simpler, more transparent and easier to understand. Products will also benefit from visualization combined with scenes.

Open the "National Insurance Lifelong Pension" insurance page and you can see an eye-catching calculator. When the user inputs the insurance amount, he can see the corresponding future accumulated pension and expected accumulated dividend.

In addition, after the purchase is successful, users can further customize the insurance plan, set the retirement pension target with the fixed investment calculator, and automatically insure by week, month and year.

Yang guang. Com-PICC and Ant Financial launched "National Insurance for Lifelong Pension"

People's Network-Candidate Case: National Insurance and Lifelong Pension