IBK Pension Insurance Product Ranks High for Refund Rates

IBK Pension Insurance's newly launched 'IBK Digital 5-Year Solid Pension Insurance' has secured a top position in refund rates among online pension insurance products, according to the insurance comparison platform Insurance Da-mo-a. The product, released on the third of this month, is designed as a digital-only offering, accessible via the company's website.

This pension insurance provides a guaranteed fixed interest rate of 3.90% (pre-tax, annually compounded) for the initial five years. Following this period, the interest rate adjusts to the publicly announced rate, which fluctuates monthly. The direct subscription structure aims to lower commission fees, thereby enhancing the refund rate for policyholders.

Further benefits include 'long-term maintenance bonuses' and discounts for higher premiums. Crucially, the policy is eligible for tax exemption if it meets certain conditions, such as maintaining the contract for over 10 years, making it an attractive option for stable retirement fund planning.

To commemorate the launch, IBK Pension Insurance is currently running a promotional event on its official website, offering mobile gift certificates to new subscribers.