Hello! Commercial endowment insurance is a supplement to social endowment insurance. If you want to live a happy and carefree old age, you need to effectively combine social security, personal savings and commercial endowment insurance in a certain proportion. It is very necessary for married people to choose a suitable commercial endowment insurance for themselves. As for how to buy suitable old-age insurance products for yourself and your husband, please pay attention to compare and choose according to your existing security system and the actual family income.
How can a 79-year-old man buy suitable old-age insurance for himself and his husband?
1. For the most important insurance liability, that is, pension payment, the payment period should be as long as possible.
2. The distribution of cash flow should be reasonable. The income of endowment insurance mainly lies in the compound interest effect brought by its long-term investment. If you receive a large amount of insurance money too early, it will lead to insufficient account accumulation when you really need old-age care.
3. Flexible payment. Before insurance, you should choose the appropriate payment period according to your income level and financial planning.
4. Premium exemption. The premium exemption function is very important.
5. Ensure the purchasing power of funds. When choosing endowment insurance, you should choose insurance products with dividends, which can ensure a long-term and stable payment, and to a certain extent, the pension saved when you are young can still have the purchasing power of that year through dividends.
In short, I remind you that buying a good old-age insurance is inseparable from the support of professional insurers. If you want to buy suitable commercial endowment insurance products for yourself and your husband, I suggest that you can compare them freely according to your own security needs and economic ability.