I want to buy an insurance with a 20-year income of 5000 yuan, but I didn't invest in social security. My friend wants me to buy an old-age insurance in Ping An Insurance? I want to know? Am I suitabl

I want to buy an insurance with a 20-year income of 5000 yuan, but I didn't invest in social security. My friend wants me to buy an old-age insurance in Ping An Insurance? I want to know? Am I suitable for buying? Hello. Several viewpoints: First, we need to know what problems life insurance solves. Passing on risks, although insurance can't avoid the arrival of risks, it can partially or completely resist the cash shortage of families caused by risks or provide a source of follow-up life for families. Risk and tomorrow never know who will come first. Such as accidents and major diseases. Young, in the climbing period of wealth and career, doing a good job of comprehensive protection reflects the return to family and parents. Pension. Although this seems to be a distant topic, even for some people, it may not be possible to avoid risks and go to the stage of providing for the elderly. But this is basically an inevitable result. There are three sources of old age. One is how much you accumulated when you were young. Second, how much filial piety children have; The third is pension. In fact, analyzing these methods, we will find that the latter two methods are not reliable. First, because children's future stress and living standards are knowledge-seeking, they don't want to increase their burden; Second, because of the social security pension, with the pressure of inflation, using it to support the elderly has become inadequate and it is difficult to maintain the current living standard. Therefore, saving money for the elderly has become a directional and reliable way. How to save it? If you put it in the bank, the interest rate will be unstable, the money will shrink and will be realized at any time. There is no guarantee that the pension money can be earmarked and praised. Then insurance solves the above problems. Second, the most basic function of insurance is to protect and transfer risks, followed by pension and savings investment. That is, after passing on the uncertain risks such as accident risk, critical illness insurance and medical expense reimbursement, the storage of pension is considered. Third, according to the different goals, social status and liabilities in different periods of life, we should consider improving social status appropriately to ensure family cash flow and reflect our sense of responsibility to the family. What is suitable for others may not be suitable for you, but it should be tailored to your own situation. Details QQ or telephone.