CBRC: Exclusive commercial pension insurance will normalize

The results of the seventh national census show that the proportion of population 60 and above has more than 18%of the total population, and the degree of aging of the population in my country has continued to deepen. As an important part of the third pillar of my country's endowment insurance system, since June 1 last year, the pilot of exclusive commercial pension insurance will be piloted. From March 1 this year, the pilot will be pushed to the whole country.

The relevant person in charge of the CBRC said that the document will be promoted to promote the normalized business of exclusive commercial pension insurance to encourage more eligible institutions to carry out operations.

According to the latest statistics from the CBRC, as of the end of July this year, the cumulative number of insureds for exclusive commercial pension insurance was nearly 210,000, and the cumulative premiums were 2.35 billion yuan, of which the new economy, new business staff and flexible employees insured nearly 30,000 pieces.

Since June 1, 2021, the exclusive commercial pension insurance pilot is launched in Zhejiang (including Ningbo) and Chongqing. Pilot insurance companies include 6 family insurance companies such as China Life, Life Insurance, and Xinhua Life. From March 1 this year, the pilot area has expanded to the country, and on the basis of the original six pilot insurance companies, pension insurance companies are allowed to participate in the pilot.

Zheng Bingwen, Director of the World Social Security Research Center of the Chinese Academy of Social Sciences: For a year, its coverage and its premium income exceeds the scale of the number and premium income of the 2018 delayed commercial pension insurance. Exclusive (commercial) endowment insurance, at present, from the needs of the market, everyone's evaluation is still very promising.

Relevant person in charge of the CBRC also recently stated that the pilot pilot of exclusive commercial pension insurance has achieved good results. It will introduce normalized business documents to encourage more eligible institutions to carry out operations, enrich product supply, and benefit the results of reform.

What is exclusive commercial pension insurance

Exclusive commercial pension insurance refers to: for the purpose of endowment protection, to receive personal pension insurance products with age and above. For exclusive commercial pension insurance products, the receipt time and the term of the receipt are clarified from the policy design, that is, the earliest time that can be received is that the age must reach 60 years old, and the receipt period is at least 10 years.

Simple insurement is flexible and convenient and flexible to insure in the industry

In terms of policy design, exclusive commercial pension insurance emphasizes the need to actively explore the needs of service new industries, new business employees, and various flexible employees' pension needs, and requires simple insurance, flexible payment, and stable income. Judging from the actual situation of the pilot, the profession of the insured has covered more than 30 occupations including online car drivers, courier, and housekeeping service personnel. The way to pay premiums regularly.

Lu Le is a yoga teacher in Chongqing. As a freelancer, the place where she usually works is scattered everywhere.

Traditional commercial insurance, because of the high threshold for insurance and the relatively fixed amount of renewal expenses, is a big burden for Lu Le's not stable income. The exclusive business pension insurance is the first to pilot in Chongqing, providing a new pension plan for many flexible employees like Lu Le.

Jin Yanfang, Director of the Personal Insurance Division of the Chongqing Banking Insurance Bureau: The lowest 100 yuan can be insured. The second is to reduce the initial expenses of the insurance.

After understanding the policy in detail, Lu Le opened the household with a hundred dollars.

Chongqing citizen Lu Le: The remaining money of each month will be put in our pension account. I feel that I don't know this form to store myself a pension.

Zhou Min, the group insurance department of the Chongqing Branch of the PICC: It is very flexible in paying the fee. Our insured. According to his income, he can choose to pay more and when it is added.

The flexible method of paying not only facilitates the pension planning of flexible employment, but also allows those who exist basic endowment insurance to add a pension guarantee to themselves. It is also the first batch of pilot areas. Ningbo citizen Chen Yuanang inspected exclusive commercial pension insurance products last year.

Chen Yuanang, citizen of Ningbo: After the first time I finish, I may not necessarily pay each year, or pay it on time every year. I can also choose to pay more when I have a lot of time. For example, I have paid 20,000. One point, 50,000.

According to reports, the exclusive business endowment insurance products are also very flexible in the collection method.

Li Xi, the person in charge of the Ningbo Branch of PICC Life Insurance: It is determined that it is 10 or 15 years according to their own needs, or for 20 years. Among them, after the time period is determined, we can determine that you can receive it once a year, or you get once a month once a month. Way.

In addition, under the premise of effective isolation of risks, the policy has given insurance institutions to fully exert its room to encourage pilot insurance companies to design products differentiated with different pension needs of the guarantee objects.

Yu Yong, Director of the Personal Insurance Division of the Ningbo Banking Insurance Regulatory Bureau: It is allowed to allow a part of the guarantee responsibility, that is, to increase the demand for the guarantee that they care more about different people. For example, the elderly may need some care. These are all left in the design of the entire section of the exclusive pension insurance.

Investment+floating can enjoy investment income

As an exclusive business endowment insurance, in addition to accumulating pensions, it is more important to obtain long -term benefits through the investment operation of pensions. So, what parts are the benefits of exclusive commercial pension insurance? According to reports, exclusive commercial pension insurance products will set up two accounts, which are divided into stable accounts and aggressive accounts, corresponding to different yields. And these two accounts have guaranteed revenue, and the insured can switch freely for the proportion of funds between the two accounts.

For example, if the insured insured 2,000 yuan at one time, you can choose 1,000 yuan to put it in a steady account, get the corresponding investment income after expiry, and enter the in -type account of 1,000 yuan. income.

Huang Tao, general manager of National Pension Insurance Co., Ltd.: The design of the two products of the stable and aggressive type is also a group of people who reflect different investment preferences. The benefits of investment income in the market and investment market.

Experts said that compared with the existing commercial pension insurance products in the market, exclusive commercial pension insurance products have more prominent attributes of pension, that is, locking the collection period at the age of 60 and above. It is conducive to allowing insurance consumers to obtain good returns for long -term investment.

Pension -related policies have successively introduced agencies to accelerate the layout

Recently, the national policy level has continuously introduced relevant policies for endowment protection. In addition to exclusive commercial pension insurance, related policies such as pension target funds, pension wealth management, and pension savings have also been introduced one after another. A few days ago, the "Opinions on Promoting the Development of Personal Pensions" was also officially released, and the implementation rules and supporting systems of the system are being studied and formulated.

From the launch of the Pension Target Fund, to the implementation of the pilot of exclusive commercial pension insurance products, to the launch of pension wealth management products, and the pilot pilot pilot is about to start, etc., the state continues to explore the establishment of a personal pension system, covering insurance, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks, banks. The endowment guarantee network in the fund and other fields is accelerating.

Huang Tao, general manager of National Pension Insurance Co., Ltd.: According to international standards, my country is close to a deep -aged society. In addition to basic pensions, corporate annuities and occupational annuities must make major reforms on other pension system arrangements to adapt to this old -age society and meet the needs of different groups and different people.

The personal pension system is an important part of a multi -level, multi -pillar pension insurance system. Participants of the personal pension system can choose bank wealth management, savings deposits, commercial pension insurance, public funds, etc. according to different preferences. At present, all kinds of asset management institutions have begun to lay out.

Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences: The products covering are four categories, and the three industries are bank savings products, bank wealth management products, insurance products and public funds. Products need to be completed with "foot" in competition.

The relevant person in charge of the Banking Insurance Regulatory Commission said that it is currently actively working with the Ministry of Human Resources and Social Security and the Ministry of Finance to study and formulate the implementation rules and supporting systems of the personal pension system, and strive to promote the implementation of the personal pension system as soon as possible. Relevant supporting policies have been solicited within a certain range and will soon be introduced.

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