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Retirement Benefits Lump-sum & Retirement Pension

The benefit for receiving retirement benefit as annuity

The most efficient allocation of retirement asset through annuity
To secure financial resources for life after retirement through real estate or other cashable assets, continuous investment and performance management are required. Real estate may be difficult to be used to as resources since it is not easy to find ways to cash it. Retirement assets including retirement benefit should be invested safely and stably because its loss may lead to poverty in old age.
Annuity is the efficient method of asset allocation that solves issues which may arise after retirement considering that the buyer can decide when to start and secure income reflecting inflation.
Economically independent life after retirement
Annuity may give you more confident and elegant life after retirement as it provides you stable income throughout lifetime and make you free from inheritance and asset problems.
Competitive Income Source against long life risk
If you choose whole life annuity, you can have money throughout lifetime. The whole life annuity is a really advantageous income source in the society where people are living longer and longer.

Notice!

If you want to receive retirement benefit as annuity when you retire, submit
a request form to transfer your pension asset into annuity to the pension service provider.

Types of Annuity

I can decide how to receive annuity depending on my plan

There are different types of annuities depending on how and until when to receive money: annuity certain, whole life annuity, inheriting annuity, etc. The type of annuity and timing are better to be decided considering the age when the national pension begins to be paid and its amount. You need income before the national pension starts after retirement.

  • 1. What is a life annuity?
    What is a life annuity(level amounts)?
    It pays you level annuity payments, from various annuity options that best suits your retirement, until your death.
    What is a life annuity(non-level amounts)?
    It pays you different amount of annuity payments during a certain period than non-certain period :
    this option still pays benefits until your death
    • 10 year guarantee plan

      10 year guarantee (type 1): It pays you double amount of basic annuity for 5 years from the start of pension payments.

      10 year guarantee (type 2): It pays you double amount of basic annuity for 5 years after 5 years from pension payments.

    • 30 year guarantee plan

      30 year guarantee (type 1): It pays you 1.5 times amount of basic annuity for 20 years after
      10 years from pension payments.

      30 year guarantee (type 2): It pays you 1.5 times amount of basic annuity for 15 years after
      15 years from pension payments.

      30 year guarantee (type 3): It pays you 1.5 times amount of basic annuity for 20 years after
      10 years from pension payments.

  • 2. What is an inheritance annuity?

    It pays you interests from the accumulated funds until cancellation of policy or your death. So your family can inherit the death benefit or you can get the surrender value after cancellation of policy.

  • 3. What is a certain annuity?

    It pays you a specified level of income for a predetermined time period.