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“步入老龄化社会已成不争事实。截至2012年底,我国60周岁以上老年人口达到1.94亿,预计到2025年将突破3亿。如何提供养老服务成为全社会亟待解决的问题。”产品创新覆盖多层次养老需求保险的一个重要功能就是解决“活得太久”带来的风险。目前,多数寿险公司都推出分红型养老险、定期返还型寿险等,而这些产品普遍买得越早越便宜。随着年龄增长,人身风险不仅加大,购买商业保险
“It is an indisputable fact that entering an aging society has reached an end.As of the end of 2012, the number of people aged over 60 in China reached 194 million and is expected to exceed 300 million by 2025. How to provide pension services has become an urgent issue for the whole society.” Innovation An important function of covering multi-level pension insurance is to address the risks of “living too long.” At present, most life insurance companies have introduced dividend-type pension insurance, regular return life insurance, etc., and these products are generally bought earlier and cheaper. As we grow older, personal risk is not only increased, but also commercial insurance is purchased