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  • 中国人保寿险正式启动专属商业养老保险试点

  • 2021-07-12
  • 根据《中国银保监会办公厅关于开展专属商业养老保险试点的通知》,自2021年6月1日起,在浙江省(含宁波市)和重庆市开展专属商业养老保险试点。试点期限暂定一年。作为中国银保监会批准的试点公司,中国人保寿险于7月12日正式启动“人保寿险福寿年年专属商业养老保险产品”(简称“福寿年年”)试点销售。

    中国银保监会开展专属商业养老保险试点工作,主要是为了贯彻落实党中央、国务院关于规范发展第三支柱养老保险的重要部署,推动商业养老保险加快发展,更好地服务多层次、多支柱养老保险体系建设,积极满足人民群众多样化养老保障需求。

    第七次全国人口普查主要数据显示,我国60岁及以上人口为26402万人,占18.70%(其中,65岁及以上人口为19064万人,占13.50%)。与2010年相比,60岁及以上人口的比重上升5.44个百分点,老龄化程度进一步加深,如何养老与每个人都息息相关。

    2020年11月,《中共中央关于制定国民经济和社会发展第十四个五年规划和二〇三五年远景目标的建议》对外发布。《建议》提出要实施积极应对人口老龄化国家战略。12月,国务院常务会议部署促进人身保险扩面提质稳健发展的措施,明确指出按照统一规范要求,将商业养老保险纳入养老保障第三支柱加快建设;强化商业养老保险保障功能,支持开发投保简便、交费灵活、收益稳健的养老保险,积极发展年金化领取的保险产品。

    通常来讲,现代养老体系的三大支柱分别是基本养老保险金,企业年金和个人商业养老保险金。从世界各国的发展经验来看,养老体系建设绝不仅仅是政府的事,需要政府、企业和个人共同参与,才能发挥作用。相较于第一、第二支柱,商业养老保险是更为市场化的养老方式,承担着提高养老金替代率和弥补养老资金缺口的重要使命。个人购买商业养老保险产品可以实现养老资金的稳健增值和终身领取,有效化解投资风险和长寿风险,为个人及家庭提供长期的养老保障。

    专属商业养老保险是第三支柱养老保险的组成部分。开展专属商业养老保险试点,是保险业坚持以人民为中心的发展思想,深化金融供给侧结构性改革,稳步推进养老金融发展的重要举措。有利于丰富第三支柱养老保险产品供给,巩固多层次、多支柱养老保险体系;有利于培育“长期投资长期回报、价值投资创造价值、稳健投资合理回报”的成熟理念;有利于支持资本市场健康发展,满足基础设施建设和科技创新发展需要。

    据悉,“福寿年年”是一款以养老保障为目的并采取账户式管理的养老年金保险产品。它缴费灵活,支持趸交、定期追加保费和不定期追加保费,定期追加保费支持年交或月交;养老年金领取类型为保证返还账户价值终身领取、固定期限10(或15、20、25)年领取;专属设立个人账户管理,账户安全透明,并根据养老金需要切换所需的稳健型账户管理和进取型账户管理。除养老年金外,“福寿年年”还提供重度失能保险金、身故保险金保障,呵护养老体现关爱,传承财富延续保障。

    有业内专家指出,“福寿年年”是一款专为中国百姓设计的专属养老规划保险产品,不同需求的消费者都可以投保。以工薪阶层为例,“福寿年年”可以提供安全、持续的养老保障,设立以进取型管理账户为主或双账户切换的方式,通过定额定时缴费、固定领取提升未来养老品质。对于自由职业者,“福寿年年”则可以提供最基本的养老保障需要,设立以稳健型管理账户为主或双账户切换的方式,通过长期缴费或追加保费、养老金终身领取解决养老问题。

    人保寿险相关负责人表示,推出“福寿年年”开展试点销售,是人保寿险贯彻党中央、国务院相关部署、紧跟银保监会、人保集团工作要求,积极服务多层次、多支柱养老保险体系建设的具体体现。未来,人保寿险将不断提升更加优质的服务和先进的运营理念,切实把试点工作做好,担负起应有的责任担当。同时,人保寿险将认真落实人保集团卓越保险战略,继续研发多样化的养老、健康保险产品,借助“保险+科技+服务”,助力健康中国战略和养老保险第三支柱建设,更好地满足人民群众对养老、健康保障的需求,做有温度的人民保险。


    (温馨提示:以上产品介绍内容仅供参考。关于产品中免责条款、保单风险、犹豫期内容等合同重大事项,请您浏览中国人保寿险公司网站www.picclife.com查询完整条款。投保人在犹豫期后解除合同会遭受一定的损失。)


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