Recently, civil servants have begun to fill out the "Personal Matters Report Form for Leading Cadres", which is what we often call "civil servant property declaration".
How to declare these properties reasonably and legally? Including whether to declare the insurance you bought yourself, etc. It is also a matter of concern to everyone.
So today I will talk to you about the matters about the declaration of civil servant property.
Which levels of civil servants need to be declared
According to the "Report of Personal Matters for Leading Cadres" issued in 2017, the civil servants who need to be declared are mainly divided into 6 categories;
includes non-leaders at the level of chief clerk or above, as well as the heads of state-owned enterprises, central enterprises and institutions that we often call for, etc., all need to declare property.
The specific application details of the clerk and cadre level can be made according to the notice from the local province and city.
Which projects need to be actively applied for
According to Article 4 of the "Report on Personal Matters of Leading Cadres 2020", civil servants need to actively apply for voluntary declaration, including:
. My salary and various bonuses, allowances, subsidies, etc.;
. My income from engaging in lectures, writing, consultation, manuscript review, calligraphy and painting, etc.;
. The situation of the real estate of the person, the spouse, and the spouse who lives together is the right of income or the co-owner;
. The situation of the person, the spouse, the children who live together invest or hold stocks in other ways;
. The situation of the person, the spouse, the children who live together invest or hold funds in other ways;
. The situation of the person, the spouse, the children who live together invest or hold investment insurance in other ways;
. The situation of the spouse, children and their spouse doing business;
. The situation of deposits of children living together in the country (outdoor);
. The situation of investments of children living together in the country (outdoor) in the country (outdoor) in the country (outdoor) in the country (outdoor) in the country (outdoor) in the whole is personal income and labor income, investment with family, deposits and corporate situations.
Some of the points that are easy to fill in are also necessary to pay attention to:
For example, children under the age of 18, regardless of whether they are financially independent or leave their parents' lives, are uniformly counted as "children living together";
The amounts that need to be filled in in the report are all in "10,000 yuan" as the order digits, and must be kept to the two decimal places
Regarding the real estate, even the property of the spouse's pre-marital property needs to be filled in.
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If you want to know more about the operation guidelines for filling out the report, you can jump to read the "Personal Matters Report Form for Leading Cadres" How to fill in? One picture to understand
Which insurances you have bought need to be declared?
In item 4, Article 6 of the report, it is necessary to declare the situation of investing in person, spouse, and children living together or holding investment insurance in other ways.
The scope of investment insurance is defined, including two categories: personal insurance investment type and property insurance investment type; the former personal insurance investment type mainly includes four categories of products:
. Both insurance
can be simply understood as, that is, we can definitely get this money back, survive healthily until the expiration date, and there will be a refund of the maturity fee; the person is no longer there during the period of protection, and will make a claim for death insurance premium.
is often paired with critical illness insurance and accident insurance. The best way to distinguish is to open the paper (order) policy in your hand, and the xx company xxx both insurance terms will be indicated in the contract.
. Annuity insurance
Annuity insurance generally refers to the initial payment of premiums in one-time or installment periods, and the annuity will be repaid within a certain number of years or directly stipulated that it will start to receive it at the age of 60 or 70. It is common in children's education fund planning and supplementary pensions for adults.
For example, this short-term annuity insurance that is covered for 10 years will return 2% of the premium paid from the third year (for example, pay 100,000 for 2000). You can still get the basic insurance amount back until the 10th year of healthy survival.
. Investment-linked insurance
Investment-linked insurance is referred to as investment-linked insurance. As the name suggests, it integrates insurance and investment functions and will set up a separate investment account. but does not promise return on investment. is equivalent to an insurance company using its own investment advantages to operate our account. The investment returns and losses are borne by the consumers;
will also divide levels according to different risk tolerance, such as guaranteed income, development account type or fund account, etc. is more suitable for people with high risk tolerance.
mainly provides insurance for death due to accident or disease, total disability insurance, etc.
. The universal
The "universal" thing about universal is that its premium addition, coverage adjustment or policy value is flexible, and it has the basic protection function of life insurance , that is, if a death or complete disability occurs, the corresponding insurance will be paid;
At the same time, will set a guaranteed interest rate , such as 1.75% or 3.0%, which can also be understood as a guaranteed product. Regardless of the future economic development, the minimum will be given to us according to the guaranteed interest rate.
is commonly used to sell together with annuity insurance and increased lifetime life insurance. For example, the returned annuity can be put into a universal account for secondary value-added. Planning for children's education funds, marriage funds or pension supplements in their later years are all good choices. The four types of personal insurance investment types above
need to declare property. If you are not sure whether the product you bought meets the scope, you can open the policy to see the name of the insurance clause, or you can find us through the QR code below for assistance;
At the same time, you should also pay attention when filling in. For example, some products have main insurance and additional insurance, and they need to be filled in separately according to the policy number.
Which insurances do not need to be declared
After understanding the insurance products that need to be declared, we can reverse the insurance products that do not need to be declared, that is, insurance products that do not belong to the above types:
Such as term life insurance , lifetime life insurance, critical illness insurance, medical insurance and accident insurance, etc., they do not need to be declared;
Insurance basically takes our life and health as the protection target, rather than focusing on the types of investment.
. Life insurance does not need to be declared for life insurance
If any friends will also be confused, isn’t life insurance also used as one of the products used for asset inheritance? Special increase in lifetime life insurance can also be used for pension planning, asset preservation, etc., so why don’t you need to declare it?
First of all, when the life insurance contract does not have a claim, the property belongs to the policyholder, which reflects the cash value ;
When unfortunately death or total disability occurs, in the case of a designated beneficiary, the insurance metal paid is in the exclusive property of the beneficiary and is not in the joint property and inheritance of the couple;
Another case of the designated beneficiary, the insurance premium is inherited in a targeted manner, its source and ownership are very clear, and it comes with an asset purification function.
Therefore, life insurance, including lifetime life insurance and increased life insurance, does not require property reporting, so it is understandable.
However, the report is classified according to the insurance terms. If the term name is xxx lifetime insurance (dividend type) also needs to be declared.
and increase the lifetime life insurance has strong liquidity. For example, if you need money in the future, you can choose to reduce the insurance and receive a certain amount, and stop as you use it;
can also use the policy loan function, which can reach a maximum of 80% of the cash value, and it can be credited in 2-3 days;
Finally, you can also consider for refunding and directly get the cash value back, but the loss of refunding the insurance in the early stage is large, and it is generally not recommended to give priority.
Therefore, when civil servants or friends in the system want to consider increasing pension supplements in their later years, and the method of receiving funds is more flexible than annuity insurance, and they do not want to declare property, increasing the amount of life insurance is a good consideration.
Related reading: Year-end inventory|How good is the increase in lifetime life insurance
The last tip: Civil servants who have bought term life insurance or lifetime life insurance, remember to designate the beneficiary, otherwise once an insurance is incurred, the claim compensation will be handled according to the inheritance.
. Insurance products for parents who are insured do not need to be declared
In the insurance filling guide for the required declaration, in addition to defining the scope of the insurance declaration, there is another clear point of view: should fill in the policyholder's policyholder's insurance policy, the spouse and children living together.
also reversed back and concluded that if the policyholder of this policy is not the above three categories, it is not necessary to declare it.
For example, when some civil servants buy insurance and do not want to declare property:
that is, parents can be the insured as the policyholder, to hold or enjoy the rights of this policy;
can also choose to provide intergenerational insurance products, let parents, father-in-law (in-law) be the insured and their own children be the insured. In both cases,
, I, spouse and children are not insured, so they do not fall within the scope of property declaration.
The last murmur
In general, among the projects for civil servant property declaration, insurance is mainly concentrated investment products, such as the term life insurance, lifetime life insurance, critical illness insurance, medical insurance and accident insurance that we usually configure, do not need to be declared;
Finally, I would like to remind all civil servants: remember to declare these projects on time and incompletely. If there is any misreport and concealment of the incident, you may be subject to disciplinary sanctions.
Friends who want to know more about insurance can follow my VX official account: Dr. T teaches you how to buy insurance
