[Reporter Korea's financial newspaper gimmingyeong] As we enter the aging society and insurance company also launched one after another the old product to prepare the '100 three times. In particular, pension savings products of insurers finds that many customers can also receive tax benefits when year-end tax settlement.
Pension savings insurance is a policy-type financial instruments that grant the tax credit to the extent of 13.2% per year ₩ 4,000,000. The comprehensive income of 40 million won or less, and only if the total wages earned income is 55 million won or less can receive a tax credit of 16.5%.
But the banks also yield some products off of pension savings products on a long-term low interest rates are shown to be noted that not all consumers need the attention of bank deposit interest rates.
Pension savings insurance is converted to positive from negative annual rate of return should be kept generally at least 5 years in function of protection-type insurance products, plus the pension savings. This is because the initial expense ratio sizes.
Pension savings products 191 annual average return of more than five years elapsed from the point of sale, according to the disclosure of the Life Insurance Association was found to be 2.85%. Since its launch, the average annual return on the highest product △ Samsung Life pension savings Gold annuity (fixed rate type _ Batch 50) is 6.97%, △ Samsung Life pension savings Gold annuity (fixed rate type) 6.59%, △ DGB life pension savings Lucky life annuity 6.04%, △ Agricultural life Triple pension deduction 5.21%, △ Samsung life annuity pension savings gold (disclosure rate _ batch-type) such as the 4.56% recorded.
On the other hand △ retirement savings annuity Free High Dream Ⅱ 0.11% of Hanwha Life, △ KDB Life Insurance pension earned pension savings freedom Ⅳ 1.09%, △ oriental life annuity pension savings guardian angel Double Power 1.33%, including posted a lower return. In particular, though, even though seven years have passed product launches became the case of oriental life and showed poor aspects, such as not leaving the three years immediately preceding the 1% rate of return.
Recently AIA Life has launched a '(no) THE best variable annuity insurance Prestige II' that can operate flexibly to changing market funds in accordance with a variety of fund line-up of 26 species.
This product warranty costs a minimum pension reserve is characterized by bond funds do not have the obligation to transfer content requirement can not occur without an active investment rather than no minimum pension guarantee reserve. Got to choose freely available and can be picked up to seven diversification of the 26 kinds of domestic and foreign funds, risk management according to changing market conditions, the fund replacement possible without fees up to 12 times the annual maximum rating.
Kim, Ji - Hyun AIA Life Actuarial product team leader, said that "customers' 'I hope to minimize the longevity risks coming abruptly to find out the merchandise obsolescence through a safe and profitable two rabbits' (no) THE great prestige variable annuity insurance II.
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