Takeout brother and Taobao shopkeeper's "welfare" exclusive commercial endowment insurance is coming
2022-03-02
The CBRC issued the notice on expanding the pilot scope of exclusive commercial endowment insurance, and the pilot area of exclusive commercial endowment insurance will be expanded to the whole country from March 1, 2022. On the basis of the original six pilot companies, pension insurance companies are allowed to participate in the pilot of exclusive commercial pension insurance. From March 1, the country's express riders, takeout boys, online car Hailing drivers, Taobao stores and other flexible employees can choose this exclusive commercial endowment insurance with more flexible payment method and variable payment amount. 6 pilot companies Nearly 50000 insurance policies have been underwritten On May 15, 2021, the China Banking and Insurance Regulatory Commission issued the notice on carrying out the pilot of exclusive commercial endowment insurance. From June 1, 2021, the pilot of exclusive commercial endowment insurance will be carried out in Zhejiang Province (including Ningbo) and Chongqing, and the pilot period is tentatively one year. Flexible payment methods shall be adopted for employees in new industries, new formats and various flexible employees. Insurance companies participating in the pilot include: People's Life Insurance Co., Ltd., China Life Insurance Co., Ltd., Taiping Life Insurance Co., Ltd., China Pacific Life Insurance Co., Ltd., Taikang Life Insurance Co., Ltd. and Xinhua Life Insurance Co., Ltd. The CBRC said that since the pilot of exclusive commercial endowment insurance was launched, the overall operation has been stable and the social response has been good. By the end of January 2022, six pilot companies had underwritten nearly 50000 insurance policies, with a total premium of 400 million yuan, including nearly 10000 employees in new industries and formats such as couriers and online car Hailing drivers. For the purpose of expanding the scope of the pilot, the CBRC said that more consumers can be exposed to exclusive commercial pension insurance products with strong pension functions, so as to further guide and cultivate the concept of pension financial consumption; It is conducive to promoting pilot insurance companies to deeply explore the development experience of commercial pension insurance, promote and standardize the development of the third pillar pension insurance, and better meet the people's multi-level pension security needs. The pilot expansion is reflected in two aspects: on the one hand, the pilot area is expanded from Zhejiang Province (including Ningbo) and Chongqing to the whole country; On the other hand, in addition to the original six pilot life insurance companies, pension insurance companies are allowed to participate in the pilot. Exclusive commercial pension products that have been launched include PICC Life Insurance - fushounian, China Life Insurance - guoshouxinxiangbao, Taiping Life Insurance - Taiping suisui Jinsheng, Pacific PICC Life Insurance - Taibao yishengfu, Taikang Life Insurance - Taikang Zhenxiang centenary, and Xinhua Insurance - excellent selection. Pension insurance companies have just been included in the pilot scope, and relevant products are still under development and application for approval. Gan Weimin, party secretary, chairman and CEO of Ping an endowment insurance, said in an interview yesterday, "The company will actively apply for products and strive to become the first pension insurance company to develop exclusive commercial pension insurance products; at the same time, according to the exclusive requirements, the company will constantly polish the products and create relevant terms for key customers, such as flexible employees, such as online car Hailing drivers and Taobao shopkeepers." Flexible payment method There are various ways to receive pensions Compared with the existing commercial pension products, the differences between exclusive commercial pension products are mainly reflected in: first, the payment method is more flexible; Second, adopt the income model of "guarantee + floating" to provide different investment portfolios; Third, the surrender requirements are more stringent and guide the long-term accumulation of pensions; Fourth, make it clear that you can receive a pension only when you are over 60 years old, and encourage long-term lifelong pension. The pilot document issued by the China Banking and Insurance Regulatory Commission requires that the products launched by various insurance companies have the characteristics of simple insurance, flexible payment and stable income. Consumers can receive pensions only when they reach the age of 60 and above. The product design is divided into two stages: accumulation period and receiving period, and the receiving period shall not be less than 10 years. There are various ways to receive it. It supports lifelong or fixed-term collection after reaching the age of 60, which can be received annually or monthly. According to insiders, the biggest feature of this exclusive commercial endowment insurance is that it has flexible insurance and payment methods, which can be paid monthly, annually or even one-time; In case of difficulties and lack of funds, the payment can be postponed. According to the information disclosed by six pilot life insurance companies, the exclusive commercial endowment insurance products adopt the income model of "guarantee + floating", and provide two portfolio accounts with different risk preferences for customers to choose, which are divided into steady type and aggressive type. At present, combing the information disclosed on the official websites of six companies, each portfolio account has a minimum guaranteed interest rate, the investment income above the minimum guaranteed interest rate is uncertain, and customers need to bear corresponding investment risks. The minimum guaranteed interest rate for robust accounts is between 2% - 3%, and that for aggressive accounts is between 0% - 1%. Temporary unemployment can be stopped The pension insurance account will not become invalid During the pilot period, the first person to buy exclusive commercial endowment insurance products was Mr. Liu, the express brother from Chongqing. He is 31 years old and has three years of experience in express delivery. Although he has basic social security, his income is unstable and there is great economic pressure to raise his children. He often worries about the future pension problem and always wants to add pension security for himself. After learning about this exclusive commercial pension product, Mr. Liu believes that after the pension payment, the special fund is dedicated and the starting point of insurance is low, which is very in line with his demand for supplementary pension products. The exclusive commercial pension product of PICC Life insurance purchased by him, "Fu Shou Nian", supports single payment, regular additional premium and irregular additional premium, and regular additional premium supports annual or monthly payment; The type of old-age pension is to ensure the return of the value of the account for life and a fixed period of 10 (or 15, 20, 25) years; Set up an exclusive personal account management, which is safe and transparent, and switch the required robust account management and aggressive account management according to the needs of pension. In addition to the old-age pension, the "longevity year" also provides severe disability insurance, death insurance and inheritance of wealth. People related to PICC and life insurance revealed that from the distribution of purchased customers, there are mainly couriers, online car Hailing drivers, food and beverage industry foremen, salespeople, agricultural personnel, business people, civil servants, lawyers, white-collar workers of the company, factory heads, etc. Mr. Wang, a 30-year-old online car Hailing driver, said, "my family thinks I have flexible working hours and good income. The only thing I feel anxious about is the lack of old-age security." Mr. Wang consulted a product of China Life xinxiangbao. If you choose to pay monthly and pay for 30 years, you can pay about 1000 yuan a month. After the age of 60, you can get it for life. You can choose different risk accounts according to your risk preference. If you choose a stable risk account, the minimum guaranteed interest rate is 2%, and you are expected to receive 2300 yuan per month; If you choose an aggressive account, due to risks, the minimum guaranteed interest rate is 0%, and the maximum interest rate may be 6%. It is estimated that the minimum monthly income will be 1000 yuan and the maximum monthly income will be 4600 yuan. The insurance company will announce the actual interest rate of the current year every year, and the customer can change the account once a year according to the demand at that time. "The insurance can decide how to pay according to their respective income. When the income is high, you can choose to pay more, and when the income is low, you can pay less. If you are temporarily unemployed, you can stop paying. After you find a job again, you can renew the payment, which is flexible and convenient." According to the sales introduction of an exclusive commercial endowment insurance, the policyholder can suspend payment during economic stress, and the endowment insurance account will not become invalid. (outlook new era)
Edit：Yuanqi Tang Responsible editor：Xiao Yu
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