How much does commercial endowment insurance pay a year?

One-year payment standard of commercial endowment insurance

1. The minimum payment of commercial endowment insurance varies from company to company. For example, the minimum payment is 2000 yuan, starting from 800 yuan.

2. Commercial endowment insurance, saving more and collecting more, saving less and collecting less. It all depends on a person's economic strength. Different from social security pension insurance, because social security pension insurance stipulates that future collection should be linked to the average social wage at that time. However, commercial endowment insurance is not linked to the average social wage, and the essence of commercial endowment insurance is the same as saving money.

3. Appropriate commercial endowment insurance planning, it is generally recommended to take out 20% of the annual income for planning according to the family situation, and it is not recommended to exceed 30%. Because too little will not play the role of providing for the aged, too much will affect the planning of other lives.

Is it necessary to insure social security for commercial endowment insurance? In fact, there is a difference between commercial endowment insurance and social security.

The purpose and nature of insurance are different.

Social insurance is a compulsory social security and social policy of the state, which is enforced by the state through legal means. Whether enterprises or individuals are willing or not, as long as they are within the scope prescribed by law, they must participate in social insurance. The provisions on the collection and payment of social insurance premiums or taxes are mandatory.

Commercial insurance is based on equality, mutual benefit and voluntary signing. Insurers can voluntarily choose the types of insurance, agree on the amount of insurance, and decide the standard and level of protection according to the risks they face. Insurance companies have no right to force people to buy insurance.

Insurance difference

The object of social insurance is social workers, whose purpose is to ensure their basic life when they are old, weak, sick and disabled, that is, to meet the minimum living guarantee. Commercial insurance aims at obtaining certain economic compensation. It can make people get the same quality of life when they retire.

The relationship between rights and obligations is different.

Social insurance emphasizes that workers must fulfill their social insurance obligations and pay social insurance premiums in order to get social insurance benefits and rights, and emphasizes the rights and obligations of both the state and workers. Commercial insurance embodies the responsibilities, rights and obligations of both parties to the contract. The insurance amount of commercial insurance is determined by the insurance amount.

Different degrees of treatment

There is no direct relationship between the cost borne by social insurance individuals and the treatment they enjoy. The implementation of social insurance is beneficial to low-income people and has obvious social assistance nature. Commercial insurance is different. The more premium the insured pays, the more insurance he enjoys and the higher the degree of protection he enjoys.

Autonomy and flexibility are different.

Social insurance is affected and restricted in terms of payment and payment due to job changes. Commercial insurance is not affected by work or other changes in payment or payment methods.

Commercial endowment insurance can provide people with higher living security, and those who do not enjoy basic social endowment insurance can buy commercial endowment insurance. Consumers can choose the pension they need when they are old according to their own needs. Compared with the basic old-age insurance, commercial old-age insurance will not increase the burden on the country, on the contrary, it can reduce the social old-age pressure for the country; Moreover, the commercial endowment insurance covers a wider range, including all those who participate in social security and those who do not.