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年金保险为养老解忧

2017-08-24 04:26:33   中国青年网

投保多注意

面对琳琅满目的养老年金险,究竟该如何挑选?

其实,由于和其他保险产品不同,年金保险从购买到领取,时间跨度可能相隔10年、20年甚至更长时间,且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。因此,保险专家建议在购买年金险时,可考虑成长型养老年金险。此类保险在保证资金安全增值的同时,无论在年金积累期或是年金领取期,都以分红形式不断增加年金领取额度,可充分抵御通货膨胀的风险。

从养老年金险领取方式来看,还包括定额、定时和趸领3种领取方式。趸领是指被保险人约定领取时间,把所有的养老金一次性全部提走的方式;定额领取则是在单位时间确定领取额度,直至被保险人将保险金全部领取完毕;定时则是被保险人在约定领取时间,根据保险金的总量确定领取额度。消费者在投保之前要仔细阅读条款,选择适合自己的领取方式。

值得注意的是,养老年金保险只是保障老年生活经济收入的一部分,但老年人很容易产生较大医疗支出,年金险在这方面的保障功能尚不完善,所以消费者在购买年金保险时最好搭配一些意外、医疗保险,方能更好地抵御风险。

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