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　　商业养老保险也叫年金保险，通过在年轻时定期缴费，投保人在到达一定年龄后可以定期领取现金，实现老有所养。保险专家解释道：“实际上，可以把养老险看作一种风险很低、收益稳定的理财计划，现在多家保险公司的养老险产品都附加了一定的投资功能，这样投保人在约定的生活保障金外，还能获得一定的投资收益。在购买商业养老保险时，首先应该考虑保障需求缺口的大小，计算方法是退休后的财务费用减去已有的退休保障；其次要考虑缴费方式，通常有一次缴清全部保费的趸缴和按年、季或月分期缴纳等方式。”
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　　此外，在购买商业养老保险之前，购买充足的意外险、医疗险及健康险，对自身进行全面保障，非常必要。
        
            
    
        
              
        
        
        
        
        
      
        
    
        
        
    
    
        
          
        
        
        
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　　京华时报讯（记者牛颖惠）近日，人社部部长尹蔚民提出，中国将“开发老年人力资源”。这是我国确定要出台“渐进式延迟退休年龄”政策后，人社部部长又一次对老年人参与工作的政策表述。该政策同时引起市民对退休养老问题的关注，直接带动了商业养老保险产品的销售。珠江人寿专家称，应对延迟退休，商业养老保险要买需趁早。
            
        
        
        
    
        
        
        
        
        
        
        
        
        
        
    
        
        
　　全国老龄办曾发布数据表示，我国60岁以上老人的数量已达2.15亿，约占总人口的15.76%，从2015年到2035年间，老年人口将增加到4.18亿人，我国将进入急速老龄化阶段。
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