There are two kinds of endowment insurance: social insurance and commercial insurance, so there are two ways to buy it.
In the local rural old-age insurance management center (resident office), the procedures include ID card, household registration book and premium.
As a rural area, you can participate in the new rural endowment insurance in the pilot areas. Payment is based on the net income of local farmers in the previous year, which is divided into five grades. 100 yuan /200 yuan /300 yuan /400 yuan /500 yuan. In principle, the more you pay, the more you can get in the future.
Its payment and collection will increase with the improvement of living standards.
You need to pay at least 15 years. If the payment period is less than 15 years, you can apply for payment.
At the same time, the state also stipulates retirement, and the retirement age is unified as: 60 years old, and it is paid monthly for life.
It is also carried out in accordance with the principle of more work and less pay. This is just an old-age subsidy, and other ways, such as commercial old-age insurance, are needed to help solve the old-age problem.
Also, there are two solutions for rural old-age insurance to reach retirement age:
(a) the elderly can not pay (but children must be insured);
(two) or the elderly can take two ways to pay off the old-age benefits in one lump sum.
But you mentioned that your parents are under 60 years old, so you can only choose to renew your insurance. The minimum amount of sexual intercourse is 1500 yuan.
Commercial insurance can be insured by local insurance companies with ID cards.
The principle of purchasing insurance is to give priority to social security, supplemented by appropriate commercial insurance.
For example, first buy social security introduced by the state (it is best to buy it by a company), such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou, and then consider commercial insurance as a supplement.
The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.
For each of us, we should focus on medical care and health insurance. In other words, medical insurance and security products should be considered first, and then the combination of endowment insurance, children's education fund and dividend-paying investment products should be considered.
Directly speaking, with the growth of age, people's physical resistance is inversely proportional and their ability to resist related risks is relatively weak.
To tell the truth, we have been making money and spending money all our lives, so why is everyone working so hard? Future pension, medical care, children education, etc. However, you must have a healthy body. Smart people know this truth. Only by ensuring the capital to make money can you earn more money. Therefore, it is very important to buy adequate medical insurance. If health is not guaranteed, no amount of old-age insurance is realistic.
Here, I know that there are three universally recognized words in this industry, which are "brand in life", "safety talent" and "Xinhua product"
Finally, we should pay attention to the principles of insurance:
(1) Buy medical health first and then insurance. Health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.
(5) It is meaningless to buy insurance before buying children, saying that adults have no protection and children have more insurance. After all, adults are paying for children.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.