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年金保险为养老解忧

2017-08-24 04:26:33   中国青年网

经济日报·中国经济网记者 李晨阳

▲ 养老年金险通常指投保人定期向保险公司缴纳一定保费,在退休后或按合同约定时间定期领取保险金,从而提高生活保障水平的一种理财型保险产品

▲ 目前,市场上的年金险多为定额给付型,即在投保时就已确定未来每年可领取的年金额度。保险专家建议在购买年金险时,可考虑成长型养老年金险

年迈之时,如何养老?很多人表示,不担心这个问题,因为自己有养老保险。其实,不少人所说的养老保险大都是国家基本养老保险和企业年金,而能够提供相对较好养老保障的商业养老保险尤其是养老年金险,买的人却不多。

养老年金险是什么,能提供哪些有优势的养老保障服务,我们是否可以凭此来养老?

日渐被看好

据了解,商业养老保险指以人的生命或身体为保险对象,在被保险人年老退休或保期届满时,由保险公司按合同规定支付养老金。商业养老保险属于为保障老年生活需求,提供养老金的退休养老保险类产品,一般主要指养老年金保险,当然还有护理险、防癌险等。

具体来说,养老年金险通常指投保人定期向保险公司缴纳一定的保费,在退休后或按合同约定的时间定期领取保险金,还可按月或按年获得分红,从而提高生活保障水平的一种理财型保险产品。

“以养老年金险为代表的商业养老保险,是一种市场化程度高、门槛低、灵活度强的个人商业养老方式,更多老百姓能够不受就业形式和所在单位条件限制,建立个人商业养老保险计划。”保监会相关负责人表示。

同时,在保险期间内,该产品不仅提供养老金领取,还有红利以及可选择养老金和红利累积生息等多重权益。若在合同约定的养老年金领取期间身故,保险公司将按约定领取期限内尚未领取的各期养老年金之和一次性给付身故保险金。

事实上,养老年金险一直是险企争相角逐的领地,特别是近几年,多家险企为实现业绩“开门红”,岁末年初纷纷推出相关产品。据了解,包括中国人寿、中国平安、太保寿险等多家大型保险机构争先以兼具保障、分红的养老年金险抢占市场。

此外,养老年金险也逐渐被消费者看好。业内人士指出,一方面,随着我国逐步迈入老龄化社会,通过保险产品保障老年生活,成为不少人的选择;另一方面,在保险产品费率市场化改革后,目前市场上约有20%的产品是年金保险,而险企也针对不同客户提供了“量身定制”的服务,因此相关产品也获得市场追捧。

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